davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Supreme Lending (AZ)

I AM IN THE PROCESS OF A HOME PURCHASE AND APPLIED FOR A HOME LOAN WITH XXXX XXXX XXXX. I JUST RECEIVED A CALL FROM XXXX XXXX FROM SUPREME LENDING XXXX AND XXXX STATING THAT I NEEDED TO PROVIDE ALL MY INFORMATION AGAIN BECAUSE I WAS IN THE PROCESS OF FINANCING AND NEEDED TO VERIFY ALL DOCUMENTS AGAIN AND WOULD NOT CLOSE ON TIME IF I DID NOT PROVIDE. I INFORMED HIM I HAD ALREADY PROVIDED ALL TO MY LOAN OFFICER AND HE SAID YES BUT WE ARE STILL MISSING A LOT OF INFORMATION AND NEED TO PROVIDE MORE DOCUMENTS. AFTER I HANG UP I CALLED MY LOAN OFFICER FROM XXXX XXXX  NOT KNOWING THE OTHER PERSON WAS NOT FROM THE SAME COMPANY BUT RATHER HAD A SIMILAR NAME AND ALREADY GAVE HIM ALL MY INFORMATION OVER THE PHONE AGAIN IN ORDER TO AVOID DELAYS AS HE SAID. I HAVE BEEN A VICTIM OF FRAUD AND THIS PERSON XXXX XXXX FROM SUPREME LENDING NOW HAS ALL MY PERSONAL TO INCLUDE SOCIAL SECURITY, DOB AND WORK HISTORY. I COULD NOT FIND ANYTHING ON THE NATIONAL REGISTRY FOR XXXX XXXX SO HE MAY NOT EVEN BE REGISTER AS A LOAN OFFICER BUT HE SAID HE IS AND WORKS FOR SUPREME LENDING IN XXXX. SINCERELY XXXX AND XXXX XXXX
Consumer complaint received 2020-12-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: OUT TECH, INC. (PA)

Hello, and I hope all is well. XX/XX/2020, letters were sent to addressed issues : While reviewing the credit profile to XXXX/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is due to repeated visits to practices within the healthcare system. Financial assistance was not offered during times of service. While receiving treatments for compromised issues, protocols are in place to ensure the debt will not accumulate. XXXX XXXX XXXX hired a third-party Bureaus of Accounts Management to report multiple items on the credit profile. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Consumer complaint received 2021-10-20
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: EQUIFAX, INC. (TX)

I have been trying to get the credit bureaus to validate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. Please have them delete these unauthorized inquiries. 

XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX Complete Department Stores Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX  Finance Companies - non specific Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2021-10-20
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. (TX)

I have been trying to get the credit bureaus to validate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. Please have them delete these unauthorized inquiries. 

XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX Complete Department Stores Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX  Finance Companies - non specific Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2020-12-15
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: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-10-20
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: EQUIFAX, INC. (GA)

I received my credit report on XXXX XXXX from all three credit bureaus. I noticed there were credit inquiries from companies that I had no knowledge of. I contacted XXXX, Equifax, and XXXX to notify them of the credit inquiries that I had no knowledge of and they advised me to contact the actual companies and told me the inquiries could not be removed because they are factual data. The following information is displayed on my credit report as inquiries and I have no knowledge of these companies. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax- 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (HI)

Navient Solutions , LLC - Incorrectly processed my loan payments on multiple dates. 
*most recently that I found, were on XX/XX/2019 and XX/XX/2019 * {$490.00} and {$690.00} - Incorrectly calculated interest fees prior to faulty processing of payments. 
- Haven't fixed these payments after multiple complaints and escalations over the phone.
Consumer complaint received 2019-08-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

Lanier Collection agency continues to report on my credit {$210.00} for agency XXXX XXXX    XXXX, the original creditor. The latest being submitted on XX/XX/XXXX. I first included this bill collection in my XX/XX/XXXX Chapter XXXX Bankruptcy filing. When modification was necessary to add additional bills was granted by the courts, this same bill was resubmitted in the new Chapter XXXX filing in XX/XX/XXXX. However, Lanier Collection agency constantly report this bill collection like it is a new collection. Numerous times I've disputed this collection with XXXX   after I realized what was happening, but Lanier Collection agency keep reporting this same collection to my credit report.
Consumer complaint received 2018-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

In XX/XX/XXXX I applied to have my student loans discharged due to the fact that I am XXXX percent XXXX veteran XXXX acting on Behalf of the DOE sent me a letter dated XXXX XX/XX/XXXX acknowledging receipt of my application along with the list of student loans that I had that were eligible for discharge. 

On XX/XX/XXXX I received a letter from XXXX which stated that all of my loans were discharged listing the the same loans that were in the letter dated XXXX XX/XX/XXXX On XX/XX/XXXX I received a letter from NAVIENT which stated that my loans were discharged. However the list of loans in the letter were different to the list of Loans That XXXX had advised me were XXXX. I contacted Navient on XX/XX/XXXX about the discrepancy. Navient informed me in writing that : The XXXX loans I had on file reflecting in an ln-School Deferment is currently being processed, and awaiting discharge from the Guarantor of the loan. 
On XXXX XXXX I contacted NAVIENT to find out about the status of the loans that were showing in school deferment that should have been discharged. They responded that : As of today 's date which was XXXX XX/XX/XXXX we have not received the funds from the Department of Education to pay in full your Federal Consolidation Loans XXXX and XXXX, due to yourTotal and Permanent XXXX Claim. I contacted XXXX on XXXX XX/XX/XXXX and notified them what I was told by NAVIENT. XXXX Responded on XXXX XX/XX/XXXX, stating : The Total and Permanent XXXX Servicer only handles processing the application. Once it is approved, your loan holder is responsible for discharging the Federal Student Loans, reporting to the credit bureaus, and issuing any eligible refunds for paymentsmade on or after XX/XX/XXXX. 
For specific questions regarding the discharge, please contact your loan holder, Navient XXXX. XXXX. I am getting pushed around by NAVIENT and these loans are on my credit report is affecting my credit to income ratio due and credit score due to the fact I am trying to refinance my VA XXXX loan.
Consumer complaint received 2020-12-15
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-10-20
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. (TX)

I have been trying to get the credit bureaus to valdate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. 
Please have them delete these unauthorized inquiries. 

XXXX XXXXXXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX  Automobile Dealers, Used Inquiry date : XX/XX/2020 XXXX/XXXX  XXXX XXXX Dealers, XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXXe XXXX XXXX XXXX : XX/XX/2020 XX/XX/XXXX
Consumer complaint received 2019-08-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2019, Bank of America made the decision to close my account for a undisclosed reason. I gave my account information out to someone over text message. They were asking to pay off my debt, and I was willing to give them that account information, now I think they have something to do with this. The company didnt disclose why they closed the account though, and that really got on my nerves.
Consumer complaint received 2023-07-21
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: EQUIFAX, INC. (MD)

This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine.

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : XXXX out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.
Consumer complaint received 2022-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

This is directed to XXXX XXXX in reference to CFPB complaint # XXXX I understand banking terminology can be very difficult so let me teach you about terminology. 
First off, an XXXX transfers are transfers from bank to bank, external transfers. 
XXXX XXXX XXXXXXXX Another source XXXX transfers include external funds transfers, person-to-person payments, bill payments and direct deposits from employers and government benefit programs. Business-to-business payments are another one. ( nerdwallet.com ). 

You wrote, " Records confirm the deposit of {$5000.00}, made on XX/XX/XXXX, was an external transfer from an account held by you at XXXX XXXX. '' Again, external transfers are what an XXXX transfer is. I am astounded that they allowed you to spew this gibberish and nonsense. 

Im happy to send a demand letter for what I am owed. Since you directly explained what an XXXX transfer is, said that I did that, and then said that I was not eligible for the bonus. 

I would highly recommend you speak to someone in your department that is competent and banking regulations and terminology. As of now, US Bank is in breach of contract which would warrant legal action.
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (WA)

I received a email from you saying that Experian has responded. Well the information they respond with is not only incorrect but it extremely confusing to figure out. I previously submitted a complaint XXXX. I still cant log onto their website and can not change pw or username. Its broken. Cant call they dont answer the phone after many attempts, more than original complaint. Seems to me they are doing a good job of dodging the issue by saying the current issue is dated in 2015.
Consumer complaint received 2021-10-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

I received a alert my credit score dropped. When I called they would not remove from my credit report even if I paid it. I believe it was a simple mistake that it was my xwifes and not to my adress and I was never called and they had my number. They then use a tactic that if I pay they mark it as closed but it stays on my report for 7 years. They told me thats the LAW. Its not the law. Law states all mistakes must be removed.
Consumer complaint received 2021-05-05
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: EQUIFAX, INC. (MA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

this account belongs to my ex husband XXXX XXXX. this item does not belong to me and this company refuses to cooperate, even though I have provided documentation via XXXX county court district to prove this account does not belong to me over the course of several disputes.
Consumer complaint received 2021-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XXXX, Merchant had Charge back {$2500.00} to a customer whom job we had completed. Merchant said there was nothing they can do and we had proof that we did the job on XXXX. We spoke to the customer also in which she said she did not call back to get charge back. How can a card company charge back without informing us what was going on. Instead right away they proceed with chargeback in which I did not know until yesterday. Nobody had call us nothing. My money is not a toy you give and you take back. The job was completed the customer was happy there was no reason for the chargeback.
Consumer complaint received 2021-10-20
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. (TX)

I have been trying to get the credit bureaus to valdate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. 
Please have them delete these unauthorized inquiries. 

XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX/XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/2020 XXXX/XXXX  XXXX Automobile Dealers, Used Inquiry date : XX/XX/2020 XXXX XXXX XXXXXXXX Mortgage Reporters Inquiry date : XX/XX/2020 XXXX
Consumer complaint received 2020-06-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

After paying the amount requested by the mortgage company every month on either the website or pay by phone, I was told that I did not pay the full amount due and that I needed to make my account whole. I spoke with several customer service agents regarding this, and no one could tell me why I was short on payments. I spoke with a manager who said it seemed that I was approximately {$95.00} short, and that once I paid that my account would be up to date. I paid that amount, but upon next monthly payment I was told I was short again. I spoke with another customer service agent, their manager, and asked to have the next manager in the chain of command call me. They promised I would receive a call with in an hour, one month later, I still have not received that call. I also opened two separate help tickets with their online system. One was never responded to, and the other was closed with no information as to why I am short or how it has been resolved.
Consumer complaint received 2020-11-05
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. (NY)

DATE : XX/XX/2013 AMOUNT : {$3100.00} ACTION TAKEN : ASKED FOR APPLICATION ON FILE FOR THE ALLEGED DATE THAT MATCHED MY IDENTIFICATION AND AUTHENTIC CONTRACT.
Consumer complaint received 2022-06-14
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-12-15
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: Experian Information Solutions Inc. (MI)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2020-01-31
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: Experian Information Solutions Inc. (AR)

I have tried to purchase a vehicle any times. Every single time I get denied and I just don't understand why. This last time I asked the car salesman to show me a copy of my report. I wish I would of took a look at my report months back. There are several collection accounts and a loan on my report that if not mine. Please remove these accounts from report.
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

A letter was sent to Transunion Credit Bureau to revise my credit report information on the phone application XXXX XXXX  sponsored by XXXX XXXX. I received no response. XXXX XXXX was emailed directly and failed to respond.
Consumer complaint received 2022-06-14
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.