davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Messerli & Kramer P.A. (MN)

I am asking that Messerli & Kramer send me a letter that confirms my debt of {$2600.00} ( which includes interest ) has been settled in full with the payment of {$2400.00} on XX/XX/XXXX. I have not yet received a document from you with these XXXX numbers explicitly stated. 

On XX/XX/XXXX a letter was sent from the Messerli & Kramer office confirming a settlement arrangement for a debt ( for which they had a judgment ). The settlement arrangement was at 90 % of the total debt ( including interest ) and was made earlier that day over the phone with their agent, XXXX XXXX The settlement was for {$2400.00} and XXXX XXXX confirmed that ( XXXX ) a satisfaction of judgment with the court would be sent, and ( XXXX ) a written confirmation would be sent stating that the payment of {$2400.00} was made and that payment settles the entire debt ( {$2600.00} ), as per our agreement. As of XX/XX/XXXX, I have not received the second part of this agreement. 

On XX/XX/XXXX they sent me a letter claiming that I have a remaining balance of {$260.00}. In the meantime, I had multiple recorded conversations with their agents on XX/XX/XXXX, XXXX and XXXX, where all agents spoken to confirmed the debt was settled. The letter sent on XXXX XXXX, XXXX was in direct violation of the FDCPA ( section 808.1 - Unfair Practices ). They were trying to collect on the remainder of the amount that we already agreed had been settled. 

On XX/XX/XXXX, they sent me a letter stating they filed a satisfaction of judgment with the court. This letter did not list the interest on the debt and simply stated that the original debt was satisfied for {$2100.00}. 

On XX/XX/XXXX, their agent, XXXX XXXX, hung upon me when I requested this letter be sent. 

I am requesting a confirmation from Messerli & Kramer that states that I paid {$2400.00} and that this settles the debt amount of {$2600.00} ( as per our agreement on XX/XX/XXXX ).
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (CA)

On XX/XX/2024 my primary checking account was frozen and placed on restricted access. I placed two phone calls to the support line that told me that they couldnt do anything and that the security fraud team was going to review it and that I just have to wait.

I called again in the morning and was told that there was nothing I could do and that I just had to wait. I asked to speak to the supervisor but was told that there was no supervisor and that she was the last line of support I could speak to. I asked to speak directly to the security fraud team but said they dont contact the public and dont have a phone number. After that I was given no more information and she hung up on me. I wasnt done talking and was hung up on. 

This is my primary account and I need to pay my bills and my rent. Its very frustrating and the lack of customer service is appalling.
Consumer complaint received 2019-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

I called the Chase Sapphire credit card number before I applied. I asked if the annual fee would be waived and whether I could submit the salary of the job I will be starting in XX/XX/XXXX. They read me a statement about the information you can include for salary and it specified that you can include income you expect to receive. Then they transferred me to someone who said the annual fee was waived the first year. 

I signed up later that day for a credit card and got approved. Today, they charged me the annual fee. When I called, they said they had no way of looking up who I spoke to on the phone, said that the waiver of the annual fee was a promotion that ended in XX/XX/XXXX and refused to waive the annual fee the first year.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Knight Adjustment Bureau (UT)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

I tried reaching out to these creditors to provide proof of debt and non of them responded and its been over XXXX  days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KNIGHT ADJUSTMENT BUREAU, XXXX XXXX XXXX KNIGHT ADJUSTMENT BUREAU, XXXX XXXX : KNIGHT ADJUSTMENT BUREAU, XXXX XXXX XXXX KNIGHT ADJUSTMENT BUREAU XXXX XXXX XXXX XXXX KNIGHT ADJUSTMENT BUREAU XXXX XXXX XXXX XXXX KNIGHT ADJUSTMENT BUREAU XXXX XXXX XXXX XXXX KNIGHT ADJUSTMENT BUREAU, XXXX XXXX XXXX KNIGHT ADJUSTMENT BUREAU, XXXX XXXX XXXX KNIGHT ADJUSTMENT BUREAU, XXXXXXXX XXXX XXXX KNIGHT ADJUSTMENT BUREAU, XXXX XXXX : KNIGHT ADJUSTMENT BUREAU, XXXX XXXX : KNIGHT ADJUSTMENT BUREAU XXXX XXXX
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AK)

I have submitted two disputes with Equifax about a collection that is on my report from XXXX XXXX in XXXX AK on an account for XXXX XXXX XXXX who works out of the regional hospital. The debt is my daughters and not mine but cornerstone tied me to it anyway. The debt of {$120.00} belongs to my daughter XXXX XXXX. This was also on XXXX but after disputing it and their investigation, XXXX  removed it. XXXX  XXXX told us the bill was paid. XXXX was also covered by XXXX  XXXX XXXX XXXX, but they were never billed in this matter. We have not been able to contact XXXX XXXX as his phone just rings or goes to a fax machine. When we have contacted XXXX we are just told " you owe it you have to pay it ''. Equifax on both disputes came back with " verified by debtor '' who is XXXX. XXXX has a reputation in the community for collecting on debts already paid and Equifax should not just take their word on a debt before posting it to someone's report. This needs to be removed from my report.
Consumer complaint received 2018-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On or about XX/XX/XXXX I started an investigation of unauthorized inquires on my XXXX and Transunion credit reports. These companies investigated accounts instead. Additionally Transunion DELETED and account I never ask them to investigate. This is a ridiculously gross violation of FCRA. Removing a legitimate account from credit file is illegal and damaging to say the least. Both companies are in violation of the FCRA in that they exceeded the 30 days to investigate my concerns. 
The items are below : XXXX INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXXXXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXXXXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXXXXXX XX/XX/XXXX not mine Transunion INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXXXXXX XX/XX/XXXX unauthorized XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized
Consumer complaint received 2024-03-28
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (GA)

Comenity/Ulta is purposely messing with my funds and livelihood. On a monthly basis I schedule my payment 3 days prior to it being due. Every month I get a returned check fee from them and my back which is an extra {$70.00} per month in fees. They take over a week to withdraw my payments when I have other monthly bills that come out like clockwork. 

Comenity is the only card I constantly have issues with and I know they do this on purpose to constantly charge me added fees. Not only have they hurt me financially but they keep decreasing my limit and it has also affected my score. You can see that my history shows clearly I submit payment timely before the due date and every month they make me out to be as if I don't pay my bills and then cause me to incur fees. This has got to be stopped and they should be investigated and shut down. I can't wait until I no longer have to deal with this card company. Never again!
Consumer complaint received 2019-07-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SECURITY FINANCE CORP (TX)

OnXX/XX/2019 I called the two companies that owned by Security Finance Companies and the companies are Continental Credit and Security Finance and both are located in XXXX, OK. I called Security Finance to make my monthly payment of {$130.00} and this company refused to take my payment. I then called the sister company of XXXX XXXX to also make my payment of {$95.00} and each of the payments for each of this companies have been paid early or right on the XXXX. of each month up until this month which is XX/XX/2019. I also contacted these companies corporate office in XXXX, SC and they also refuse to help me make payments.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNIVERSAL COLLECTION SYSTEMS, INC (GA)

Hello, I checked my credit report again today only to find out I still have two fraudulent derogatory accounts from Universal Collections Systems. One is admittedly a duplicate and the other has a date of XXXX which shows that Universal Collections is attempting to re-age an alleged old debt that I have not had the chance to investigate which puts them in breach of the Fair Credit Reporting Act. By placing fraudulent information on my credit report, Universal Collections Systems has caused much hardship in my life. They have also taken away my right under the Fair Credit Reporting Act that allows the consumer the right to dispute and investigate an alleged collection prior to reporting to the credit bureaus. Clearly Universal Collections Systems does not abide by reporting laws as they claim to have allegedly sent one correspondence in XXXX to an invalid address and then just decided to add these fraudulent accounts to my credit report 3 years later in XX/XX/XXXX.
Consumer complaint received 2019-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

This is regarding my loan with Lakeview Loan Servicing, who manages my mortgage and escrow. 

After trying to resolve my issue by phone several times, I provided documentation to Lakeview on XX/XX/2019 including my receipt for taxes paid last year to XXXX County, and this year 's tax assessment from XXXX County for our projected taxes for this year. We live in XXXX County inside city limits for XXXX XXXX, Texas. The confusion is because " City of XXXX XXXX '' is listed on both the XXXX County tax assessment and the XXXX County receipt for the taxes we paid last. The reason for this is because the city uses XXXX County to collect their taxes. Therefore, XXXX County does not collect any XXXX XXXX city taxes, even though they show a line for City of XXXX XXXX at approximately {$2000.00}. As I have explained to Lakeview multiple times, they are counting this approx. {$2000.00} twice when they estimate our Escrow. Several of Lakeview 's personnel including management have agreed with me on the phone, but then explain that it will have to be escalated with their tax department. They usually tell me to wait 2 to 3 business days to hear back on a resolution, but then they don't call me back. They have been promising this for over a month now. Still no resolution. When I call back, I have to start all over with the person on the line and explain it again as they try to interpret the ever-growing amount of notes on their screen. 

Please refer to tax appraisal Lakeview has on file. The total amount shown on the XXXX County assessment is {$8100.00}, which includes a line for {$1800.00} for the city of XXXX XXXX. However, that {$1800.00} is not to be collected by XXXX County,  but XXXX County instead since the city uses them to collect this ( the majority of the city of XXXX XXXX lies in XXXX County, except for a sliver in the neighboring counties ). {$8100.00} is our total estimated property taxes for this year, except for {$510.00} for public improvements as shown on the XXXX County receipt I have provided Lakeview. Again, they will see that there is a city of XXXX XXXX amount collected by XXXX County, but they should not count this twice.
Consumer complaint received 2021-04-19
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

So I'm a XXXX XXXX XXXX that receives the XXXX bill XXXX military pays for my schooling ) ''. I received a notice on my phone that I had a *Collection alert * from CONSERVE ( XX/XX/2021 ) on my XXXX  App. I was surprise to see that when I know the military pays for my schooling. At the time I was trying to purchase a house so I was like I'll just pay it. ( XX/XX/2021 ) After paying for the collection on ( XXXX ) I received a notification that the account was paid in full. Now as of today ( XX/XX/2021 ) I still have that same collection on my credit report. I called CONSERVE and ask them how long it will take for them to take the collection off my credit, there response was you have to contact the credit bureau now that you have PAID us. Please help me solve this problem.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

ON XX/XX/2018, I SETTLED MY DEBT WITH XXXX   XXXX/XXXX. THE DEBT WAS SETTLED WITH XXXX  XXXX   XXXX, XXXX, AND I RECEIVED THE LETTER ON XX/XX/2018 STATING THE DEBT WAS SATISFIED, AND I IMMEDIATELY FILED A DISPUTE WITH ALL 3 CREDIT BUREAUS. EXPERIAN WAS THE ONLY ONE THAT DID NOT REMOVE THE SATISFIED DEBT, EVEN AFTER I PROVIDED THEM WITH THE LETTER STATING THE DEBT WAS SETTLED.
Consumer complaint received 2019-07-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CO)

I had been a person that had my mortgage with Ditech. I had contacted them in XXXX because of a hardship and asked for a forbearance. The date was on XX/XX/2019. I spoke with XXXX at XXXX XXXX   the called lasted until XXXX. I told him about the hardship and he told me they could help me, but it wouldn't be before XX/XX/XXXX. Before XX/XX/XXXX, I received a statement from XXXX XXXX saying, they now hold my mortgage. I did call XXXX the day I received the statement. The gentlemen said, they couldn't do anything for me for 60 days. I had been promised by Ditech, that the forbearance would be given to me. They didn't tell me they were filing bankruptcy and they were going to hang me out to dry. I have never had to do this type of thing before, so I pray I have all the information that you need, to check into the mess! Please can you help me!!!??
Consumer complaint received 2016-05-10
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Nelnet, Inc. (ME)

My student loan had been discharged XXXX/XXXX/2010. Nelnet claims I did not contact that last year and so without warning since XX/XX/XXXX they have been taking {$150.00} from my XXXX check which I am barely living on. Said I have to re-apply. I did and have also shown proof of emails where I have tried to contact them in past XXXX yrs. I sent everything they needed in the packet. I have called several times each time they have my wrong address. Each time I give them the correct one, although the mail gets to the right address. I have XXXX of which I have been working very had to stay off XXXX medications but these people keep sending letters saying I forgot this and that when I have copies of everything I sent them. I volunteer at XXXX XXXX XXXX and they helping me but I just got another letter from them saying they ca n't process till they have section XXXX from the Doctor which was sent in the packet. I called and it is because the doctor did not write XXXX , he wrote XXXX . This is ridiculous.
Consumer complaint received 2015-06-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (FL)

Enhanced Recovery Company-XXXX, FLThey put a collection on my credit report, never notified me and gave the opportunity to dispute and ask for validation. This lowered my credit score XXXX points. I found this out when I applied for an auto loan.
Consumer complaint received 2020-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

My identity has been compromised inwhich resulted in unknown and unauthorized accounts reporting on my credit file inwhich I have no knowledge of, therefore I'm demanding that these accounts be blocked and removed immediately from my credit file, if not then the 3 major reporting agencies shall show just cause via a Method of Verification and if this can not be honored then the following accounts shall be removed. 

1 ) XXXX  XXXX XXXX 2 ) XXXX XXXX {$710.00} 3 ) XXXX XXXX {$580.00} 4 ) XXXX XXXX XXXX {$540.00} 5 ) XXXX XXXX XXXX {$530.00} 6 ) XXXX XXXX XXXX {$270.00}
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (TX)

REMOVE / DELETE all XXXX / XXXX XXXX ( XX/XX/XXXX / XX/XX/year> ) XXXX XXXX US BANK ( XX/XX/year> ) Remove all of the LISTED INQUIRIES below. 

REMOVE NON-MAILABLE ADDRESSES : XXXX XXXX XXXX XXXX, GA XXXX THIS ADDRESS IN PARTICULAR WAS NEVER AUTHORIZED/ NO AFFILIATION / NEVER USED OR SUBMITTED BY ME Remove non mailable address XXXX XXXX XXXX XXXX, GA XXXX XXXX MAILABLE ADDRESS are not permitted. 

I DID NOT AUTHORIZE OR CONSENT. XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Equifax and XXXX are reporting collections on the XXXX and XXXX  XXXX XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 13 and 14 of the attached credit report. ) I never even qualified for these loans because I am a convicted felon. ( Please see the attached court document. ) These accounts are being reported on my credit report in error. This incorrect reporting is harming my credit score and these line items needs to be removed.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I sent your " EXPERIAN '' a " POLICE REPORT '' in XX/XX/XXXX stating this XXXX XXXX accounts didn't belong to me. Experian deleted XXXX XXXX accounts off my credit report. One year later 'Experian '' put the XXXX XXXX accounts back on my report claiming that XXXX XXXX told them they belong to me. I went to court on XX/XX/XXXX before a " JUDGE '' I PROVED these accounts with XXXX XXXX DO NOT BELONG TO ME!! THE JUDGE DISMISSED THE CASE. I HAVE SUPPLIED SEVERAL COPIES OF THE STAMPED COURT DOCUMENT TO EXPERIAN. 

Experian is stating they will not accepted a certified stamped signed document from a 'FEDERAL JUDGE '.
Consumer complaint received 2019-07-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (MD)

XXXX XXXX XXXX sued me for a medical bill that was unpaid. The attorney & XXXX, ( the collection agency ) was the conduit of information as I did attempt to contact XXXX in XXXX Maryland to get resolution. I had insurance at the time of my hospital stay but there was a misunderstanding of where or how the billing was submitted. The bill for about {$1300.00} was denied and that's what the lawsuit was for. In the meantime I missed all their attempts to contact me until they sent a process server who served me with court papers. I had insurance with XXXX and they attempted to process the bill once they had my correct insurance member ID. They currently have pending judgement on my credit even though this has since been dismissed. I sent a certified letter to have this removed from my credit report and it has not been removed yet. Letter was sent to XXXX - XXXX XXXX, XXXX. XXXX XXXX, XXXX DE XXXX.