davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

I recently went online and established credit freezes with XXXX and XXXX without the slightest difficulty. Experian, instead, rejected my request on the basis of improper responses to ID questions -- e.g., former and current addresses, mortgages, etc. -- that had absolutely nothing to do with me or my identity.
Consumer complaint received 2018-10-31
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

XXXX Account Number XXXX Balance {$1300.00} XXXX Account Number XXXX Balance {$6100.00} U S DEPT OF ED/XXXX/XXXX Account Number XXXX Balance {$6500.00} U S DEPT OF ED/XXXX/XXXX Account Number XXXX Balance {$4500.00}
Consumer complaint received 2018-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

So in XXXX a credit card from XXXX XXXX was opened in my name. In XXXX I was XXXX years old, also when I contacted XXXX XXXX in regards to it, they had my incorrect birthday on file in which they would not let me verify the account because of that. Secondly, I was never notified of this debt in the amount of {$1300.00} at all, there was a levy placed on my entire checking account on XX/XX/XXXX in which they took all of my money out of it. This account was fraudulently opened in my name and I am unsure how to go about rectifying this matter. I have XXXX small children and bills to pay and they have taken all of my money for this fraud act against me, it is unfair. The debt is over 11 years old, why are they coming now?
Consumer complaint received 2018-10-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC ()

There are two debt collections on my credit report that are incorrect. The company XXXX XXXX, apparently, is attempting to collect a debt owed by me to XXXX. When I first saw this on my credit report I called XXXX and asked them if I had opened an account with them, they told me that I had not. I live in XXXX and was in the US for medical treatment by the VA and needed a phone to be in contact for medical appointments and opened an account with XXXX. I filed a complaint with XXXX XXXX stating that I had no knowledge of the debt to XXXX. The complaint was evaluated and stated that I did owe XXXX, as noted on the attached screenshots of my credit report. The last reported use of my account with XXXX is XX/XX/2018 and XX/XX/2018. As stated previously I live in XXXX and no longer need to purchase minutes from XXXX and, therefore, I do not understand why XXXX XXXX is reporting that I did use my account with XXXX or for whatever reason, they are using to report that I do have a debt with XXXX. Thank You for your time in this matter, XXXX XXXX
Consumer complaint received 2022-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My Transunion credit report report has a collections remark on my account as of XX/XX/XXXX XXXX. This belongs to my son who has the same name as me, he is XXXX My son has indicated he uses XXXX XXXX XXXX frequently, evem a few weeks ago. They have not told him there's a balance due. 
Apparently XXXX XXXX XXXX employed XXXX XXXX to collect the debt. They sent our name to Transunion with a birth date that does not match either my sons or mine. However it had a birth year that matched mine, XXXX. Transunion must have taken this incorrect information and with it showing a birth year of XXXX  which matches mine took it upon themselves to put the collections on my report. I called both XXXX XXXX  and Transunion. XXXX XXXX was no help. However they told me they sent our name with a different birthday to Transunion. 
Transunion opened a dispute which may take 30 days. This is clearly a mistake with the collections agency and Transunion. Please help to resolve this matter as soon as possible.
Consumer complaint received 2017-06-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (IL)

This is a followup to case XXXX which Sallie Mae responded to and you closed without input from me. Their response was misleading and downright false. I replied with this feedback, thinking it would reopen the case. I have now learned that I must submit a new complaint, which is somewhat confounding. I have consolidated my loan with another company since Sallie Mae engages in dishonest practices. Here is the content of my feedback to the initial complaint : " I have verified with XXXX XXXX from Sallie Mae 's legal department that NO FIXED RATE OPTION WAS GIVEN DURING MY APPLICATION PROCESS. XXXX XXXX claims that my school ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) was the reason that I did n't have the option, that the school only allows them to offer Variable Rate Loans. According to XXXX XXXX at XXXX, this is false. Logic also dictates that this is completely false. The school has no control over my private loan. I have no idea why XXXX XXXX would tell me such a fabrication but I 've contacted my state rep and Senators and plan to introduce legislation to outlaw this type of corruption and banks taking advantage of students. To repeat : XXXX XXXX from Sallie Mae 's legal department confirmed to me in a telephone conversation on XXXX XXXX, 2017 that I was never offered a fixed rate and said the reason was because my school ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) does not allow Sallie Mae to give students fixed rate loans. XXXX XXXX with the Financial Aid dept at XXXX disputed this in a phone call on the same date. " We have no control over it. It 's a private loan. That does not make any sense '' was her exact quote. I have attached screen caps from a new loan application for XXXX to show that the type of loan ( fixed rate or variable rate ) is never offered. Thank you. ''
Consumer complaint received 2023-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accourdance with the Fair Credit Reporting Act XXXX XXXX ( XXXX XXXX XXXX  ) account # XXXX and XXXX, account # XXXX, XXXX, have violated my rights. 

15 U.S.C 1681 section 602A Sates I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumerreporting agency can not furnish an account without my WRITTEN instructions. 

15 U.S.C 1666B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason or purpose.
Consumer complaint received 2022-03-30
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. (CT)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2018-10-31
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Bank closed my savings account without my consent and without any notice plus I did not get my funds from my account. I have emailed, called and sent XXXX to their Customer Service XXXX profile @ XXXX and they will not reopen my account and restore my funds and history for that account. I have opened another complaint about this issue XXXX-XXXX and Capital One Representative XXXX XXXX would not restore my savings account or funds. The reason I am opening this complaint is because my issue is never escalated to any other employee but XXXX XXXX. She must have noted in my account to forward all my complaints to her because Capital One has thousands of employees and every complaint or call I make regarding this account, it is ALWAYS forwarded to her. I am requesting escalation of my complaint to be reviewed by XXXX XXXX 's Management. My savings account should have never been closed without any notice. I was receiving my account mailings from Capital One and this was handled very underhanded and corruptly plus XXXX XXXX is making sure that no one in Capital One 's Leadership is aware of what she has done to my account. Please assist me getting my savings account restored. 
Thank-you
Consumer complaint received 2023-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/2023 I noticed an account that is not mine on my credit report for transunion and XXXX. I contacted both and disputed the account as well as sent them an ID theft report. They some how verified the account. I need these fraudulent accounts removed from my report immediately
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accourdance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX  ) account # XXXX and XXXX, account # XXXX, XXXX, have violated my rights. 

15 U.S.C 1681 section 602A Sates I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumerreporting agency can not furnish an account without my WRITTEN instructions.

15 U.S.C 1666B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason or purpose.
Consumer complaint received 2019-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

My mortgage used to be with Seterus. A new company acquired my mortgage. The company is Mr. Cooper. My old mortgage payment was {$1000.00} per month. When I received a bill from the new company the mortgage was now {$2500.00} a month. The new company showed charges for acquiring my mortgage such as an appraisal, lender expenses ( XXXX ) and a late fee of {$170.00}. I received a letter from the stating no late fees would be assessed for 60 days. This seems excessive for a late fee any way. I have tried to call the company but am always on hold for about 30-45 minutes before I get frustrated and hang up. I received a letter stating nothing would change with the mortgage payment. I don't understand how they can do this. I didn't ask them to buy my mortgage. Please help
Consumer complaint received 2018-10-31
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. (MO)

I disputed the Bankruptcy reported on all three credit reports. Both XXXX and XXXX  ( see attached ) removed it. Equifax removed it and then placed it back on the file one week later saying that it was verified through the 3rd party company XXXX ( see attached ). I spoke with a representative at XXXX who confirmed that they have not verified this info with Equifax as my file is suppressed and frozen with XXXX. I asked Equifax several times to provide the method of verification and the response is always XXXX.
Consumer complaint received 2023-03-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2022-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (GA)

This account was supposed to been removed with another account after it was charged off with a XXXX balance, account was then transferred to a collections agency and I have been harassed about this and my financial credit has been messed up because of this derogatory account.
Consumer complaint received 2019-03-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (TX)

On more than one occasion my payment cleared my bank and was not credited toward my loan. This caused payments to fall behind. I would catch up and then another payment would not be applied. I have provided the company with the bank statements showing the payment clearing in hopes they would correct the account-to date they have yet to do so. I make bimonthly payments every month to complete a full payment and the account continues to show past due with an unbelievable about of late fees and interest due. I would not be past due if the missing payments had been applied. Unfortunately, I am not in a position to pay the additional fees and payments again but have and will continue to make my $ XXXX monthly payment ( payment is {$570.00} XXXX. I contacted the company lasts month to discuss the possibility of adjusting the due date to bring me current in hopes of saving money in fees, I was told that since they were a second change lender that would not be an option.
Consumer complaint received 2018-10-31
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Lendmark Financial Services (NC)

Greetings, This is my forth loan with lendmark financial. They used my car title as collateral for the loan, but always try not to use the words " title loan '' as it is illegal in NC. So ... on my forth loan the transmission went out on my XXXX   XXXX XXXX. I simply can not afford to fix it, pay them {$160.00} a month, and pay for full coverage on my XXXX income. I have never been late not one time and do not plan on it as I understand the importance of good credit, but they are leaving me no choice. I have tried to remedy the situation by speaking with them several times ( at the XXXX, NC Branch ) even asked to do a voluntary repo, but they do not want to cooperate at all. I asked if they could re-fi to help lower the payment, have spoken with credit counselors, advisors, reading over the NC Laws and gotten legal opinions. I am completely stressed over the whole thing. I need a remedy to this mess I have gotten myself into, that will not leave leave flat broke or credit unworthy. 

Thank you for your time.
Consumer complaint received 2018-10-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (UT)

In Spring/XX/XX/2018 I switched from XXXX to XXXX. When I made the switch, I contacted XXXX about porting my number to XXXX. They told me that the switch would be fine and all I needed to worry about was sending my old device back ; they never mentioned anything about additional funds owed. I received their shipping box and sent my old device back.
Consumer complaint received 2018-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've been reporting about some accounts appear to be old and inactive longer than 7 years on my credit file. This goes against the Fair Credit Reporting Act. The dates are wrong & may be manipulated in order to keep on my file longer which is illegal. 
I am disputing the following credit entries by : XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX ( incorrect data and many years old ), XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX ( many duplicate accounts ), XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX was paid in full and XXXX XXXX XXXX was an account agreed to be removed many years ago and now its back on my credit file under a different name.

Please remove any information including inquiries regarding the inaccuracy mentioned above. Please review all of my supporting documents including letters to XXXX XXXX XXXX since the debt that they claimed I owed so long ago was false and now under a different name XXXX XXXX XXXX  with a new starting year. I do not owe this debt. XXXX XXXX XXXX has removed this info at one time. I previous settlement was made in a payment out of frustration. The creditor at the time agreed the balance was settled but the remaining balance was transferred to XXXX XXXX and now transferred again to XXXX XXXX XXXX or XXXX. It was also transferred over to XXXX XXXX XXXX, XXXX, and XXXX XXXX  at one point many years ago. All of the creditors have been in violation in accordance of the Fair Debt Collection Practices Act and have been corrected 8 years ago. These false accounts have denied me recent credit and loans.
Consumer complaint received 2022-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I called Experian Information Solutions , Inc. about the deletion of unauthorized hard inquiries on my consumer report in XX/XX/XXXX. They directed me to call the creditors to have them request that the inquiries be removed from my consumer report. I called the creditors but was not able to reach anyone that could help me. 

On XX/XX/XXXX, I sent XXXX letters to Experian Information Solutions , Inc. at XXXX XXXX XXXX XXXX, TX XXXX to demand deletion of each inquiry reported on my consumer report where my consumer report was obtained without my authorization or permissible purpose under the FCRA. I requested the following inquiries be deleted ( letters attached ) : 1. XX/XX/XXXX, XXXX XXXX 2. XX/XX/XXXX, XXXX XXXX 3. XX/XX/XXXX, XXXX XXXX 4. XX/XX/XXXX, XXXX XXXX 5. XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX 6. XX/XX/XXXX, XXXX XXXX XXXX XXXX 7. XX/XX/XXXX, XXXX XXXX XXXX Experian Information Solutions , Inc. has not adhered to my request to promptly delete the unauthorized inquiry or if they conclude that the inquiry listed is verified, I request details of their method of verification.
Consumer complaint received 2022-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

HAVE PLACED A CREDIT FREEZE ON PROFILE AND ACCOUNTS CONTINUE TO BE OPENED IN MY NAME. HAVE REPORTED IT TO XXXX XXXX, XXXX, XXXX AND NOW XXXX XXXX. WITH ONLY XXXX XXXX REPORTING INQUIRY AND ACCOUNT AS FRAUDULENT AND NOT ON MY CREDIT REPORT. THE OTHER COMPANIES ARE STILL REPORTING AS IF OPENED AN ACCOUNT THAT WENT BAD.
Consumer complaint received 2018-10-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

Specialized loan servicing has been charging late fees to my account making it harder to make my monthly payment as I'm on a fixed income. My account has late fees in the amount of {$150.00}. I'd like them to waive those fees so that my account could be in good standing. I send my payments before the beginning of the month and they are " early '' as I sent the XX/XX/XXXX payment at the end of XX/XX/XXXX for example and the servicer receives it before the due date which is the first of every month. However, for years I have been charged late fees and they say I am making my payments late. I don't believe I have ever missed a payment as I would known since my income is very limited. They also said that there was a payment increase and my payments were short. That this happened in XX/XX/XXXX. None of this was explained during all of my calls to the servicer. I am just barely finding out with my Housing Counselor 's help. Please reach out to my servicer and help me resolve these issues. I want my account to be in good standing. My income is only {$1400.00} a month since my husband passed away in XX/XX/XXXX, and if the servicer would have explained this before, the late fees would not have accumulated. I appreciate your help in this matter.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

There is one account reporting on my credit report incorrectly, the account number for the account is XXXX. Date the account was opened XXXX XXXX this account must be removed from my credit report immediately.
Consumer complaint received 2018-10-31
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: ENCORE CAPITAL GROUP INC. (TX)

I am showing an account reported by XXXX XXXX on my credit bureaus. I have tried to get this removed numerous times without any luck. They are currently reporting as a collection that was included in a chapter XXXX Bankruptcy XX/XX/2012. The original creditor shows XXXX XXXX XXXX. I have never had an account with them nor have I filed a bankruptcy. This information is incorrect and I would like this removed as it is hurting my creditworthiness and my ability to purchase my home.