davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

I closed the loan in XXXX and mailed a check that was converted to an ACH payment on XXXX and taken out of my checking account. The coupon that came with the loan paper work was mailed with the check. I mailed a 2Nd check with the coupon and it was converted to an ACH PAYMENT that was taken out on XX/XX/XXXX. The 3rd check was converted to an ACH and taken out of my account on XX/XX/XXXX. The loan finally showed up on their web site and I was able to monitor it. I made at least 8 calls to SLS trying to get this taken care of and to get them to find my {$3600.00}. And was promised 2 phone calls from supervisors and have not received 1 call as of yet! Today I received via mail a check for {$2400.00} stating SLS doesnt service this loan. Please help me get this straight. Im not making a 4th payment ( XXXX payment ) until this is resolved. I still have {$1200.00} missing!
Consumer complaint received 2022-07-23
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX # 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 instruction
Consumer complaint received 2022-07-23
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. (GA)

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

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

XXXX XXXX XXXX Section XXXX A. Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2020-07-27
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC. (OH)

These are some reports I would like to remove from my report both XXXX  and XXXX. Im a poor hardworking XXXX  and my car got stolen back in XXXX with all my documents and valuables and I suffered a major loss. Kindly I want assistance in removing all this stuff from my reopening and cleaning it as Im really XXXX  and due to these collections I can not get a place to rent or a 1BR apt . I really appreciate your assistance and cooperation in removing these items from my report and closing my account.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Vital Solutions, Inc. (NY)

Today XX/XX/2020 I have reviewed my credit and found that XXXX XXXX reflects a balance due of {$1200.00} although I had settled this account back on XX/XX/2020. XXXX hired Vital Recovery Services , LLC and we settled this debt on XX/XX/2020 at {$850.00}.
Consumer complaint received 2020-07-30
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. (FL)

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a which was highly embarrassing and has negatively impacted my lifestyle.
Consumer complaint received 2022-03-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (FL)

I have an old XXXX account that was closed after not paying on it for some time. It was taken off my credit report too. 

A new company bought the bad debt and is trying to collect on it. I sent a letter. I also believe I spoke to someone before. The phone calls stopped but I am still getting a bill for this even though I refuse to pay on something that is extremely old and not even on my credit report. 

I just want to the bills stop from coming in. I wrote to them nicely last time about it, but I dont think they are going to stop. 

Is this considered harassment or not? Are the entitled to send me a bill that is clearly outdated.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports : 1. XXXX XXXXBalance $ XXXX-Date Opened : XX/XX/2020 XXXX. XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/2020 2020
Consumer complaint received 2020-07-30
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. (FL)

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a which was highly embarrassing and has negatively impacted my lifestyle.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2022-06-17
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. (FL)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION (NY)

Simple Bank announced it was closing and all accounts would transfer to its parent, BBVA USA, on XX/XX/2021 and provided instructions on how to access the new BBVA account starting on that date. 

I followed the instructions on XX/XX/XXXX and received a message stating " Your account is locked '' and a phone number I could call. 

On XX/XX/XXXX and XXXX I called that number for a total of 12 times and every time I've reached a customer service representative, the call has been disconnected within 5 seconds. 

I've received no other communication from BBVA and am unable to access my funds or reach a representative.
Consumer complaint received 2024-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (OK)

XX/XX/XXXX I used the federal student aid loan simulator to determine if i would save any money on my monthly payment using the new SAVE program. My payment was estimated at $ XXXX/month, which I determined would not help me. So I did not enroll in the program or submit any further information. 

My student loan servicer then enrolled me in the SAVE plan ( without my consent ) and increased my monthly payments from {$87.00} a month to {$300.00} a month on XX/XX/XXXX. Shortly thereafter I lodged a complaint with Aidvantage stating that I never requested this change. I made the {$300.00} payment in both XXXX and XX/XX/XXXX. 

XX/XX/XXXX I received notification that I was placed back onto the Graduated extended plan and my monthly payment would be {$160.00}, with my next payment being due XX/XX/XXXX. 

XX/XX/XXXX I received another document saying that my interest rate reduction for auto pay would be suspended during forbearance, which my loans were then placed in. 

Between XX/XX/XXXX and XX/XX/XXXX I received three different documents saying my autopay amount was changing ( to a different amount each time ). 

XX/XX/XXXX I paid off one loan account in the amount of {$1300.00}. This reduced my total loan amount to {$21000.00}. 

My account now ( as of XX/XX/XXXX ) sits at {$21000.00}. I have spoken with six different people at aidvantage to no avail. I was told by one agent that i " applied for the SAVE program '' and they were unable to provide documentation. Another agent then told me they have no record of me submitting an application through them so I " must have accidentally applied through Federal Student Aid. '' I know for a fact I did not. The department of education specifically named Aidvantage in a press release on XX/XX/XXXX, stating that anyone placed in forbearance due to servicer billing issues will not gain interest during the time of the forbearance. My account has now gained {$330.00} in interest despite my attempts to fix the issue with my servicer. They said they were going to " research my account '' and that I would heard something back by XX/XX/XXXX. I never heard back. I was then told yet again my account would be researched, and the response I received was a generic document explaining how interest is calculated on student loans. Additionally, the interest was accrued at a higher rate ( XXXX % per loan ) due to my " unenrollment from auto pay. '' I never unenrolled from autopay, the servicer did that for their own gain while I was in forbearance. My accounts have always been enrolled in autopay. 

My forbearance is now over, and I have made my required payment. However, I want the appropriate amount of insurance removed and my student loan servicer to be held accountable to guidelines set forth by the department of education due to their mistakes.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I file XXXX XXXX XXXX XXXX XX/XX/year> and was XXXX XX/XX/year>. At the time, I had an account with XXXX XXXX XXXX located in XXXX, XXXX Up until the time of filing XXXX all my payments were paid on-time. Every creditor that I listed on my XXXX schedule has been updated on my credit report as " IXXXX XXXX XXXX '' except for XXXX XXXX XXXX. They continue to illegally report my XXXX account with them as a XXXX with an outstanding balance of over {$10000.00}. I have disputed this account several times over the past year with all XXXX of the major creditors but XXXX XXXX XXXX keeps verifying this account as accurate. Additionally, I continue to be denied credit because of the " XXXX  '' that is reporting on my credit report. At this point, I am ready to file a lawsuit for damages. This is my FINAL attempt to hopefully resolve this matter as the credit bureaus and the creditor are obligated to report correct and accurate information on m y credit profile.
Consumer complaint received 2022-07-23
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. (NC)

I am writing to dispute the following information that appears on my consumer Credit report : I have recently been informed that there are negative information and collection accounts reported by the following creditors or agencies in a file you maintain under my social security number. Upon receiving a copy of my credit report, I see the following entries listing charge off and owed amounts : 1. ACCOUNT NAME NOT LISTED XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date Opened : XXXX XXXX. Inquiry : XXXX XXXX XXXX Date Opened : XX/XX/XXXX 2019
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

I am currently being charged twice on a dispute I made in XXXX. It is now XXXX. The Dispute was reversed before it was resolved, and I went to dispute it again. A provisional credit was added to my account after the first credit was reversed back to the bank. Now the bank is trying to take two credits of {$630.00} when the first credit had already been reveresed back to the bank. You have already taken {$630.00} from my account on XX/XX/XXXX, and the second charge is supposed to come out on XX/XX/XXXX for a total of over {$1200.00}. This needs to be fixed. 

Lastly, I faxed all documents of proof to XXXX. I also received a letter stating payment would be taken XX/XX/XXXX, but I did not receive a letter stating payment would be taken XX/XX/XXXX. 

Once again, at most I owe {$630.00} which was already paid to the bank, while I am appealing this decision.
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

I have had my American Express Platinum card since XX/XX/XXXX. I never made a late payment. 
IN XX/XX/XXXX, I encountered fraud in my account. I called American Express to dispute two charges and was told I wasn't responsible for the balance that is being disputed, In XX/XX/XXXX, American Express closed my account. I called American Express Platinum customer service and they directed me to an office in Arizona, I was told to pay the balance that I disputed ( even though I was told not to, as they were investigating the fraudulent charges ) and they would reinstate my account, as they made an error. So I subsequently paid the {$1900.00} disputed balance in full ( even though I didn't make the charges ) so that I can have the card reinstated. American Express did not re-open my account and I was never credited for the fraudulent charges. I have called and sent them letters to re-open my account as I had points I never used, and I am still not credited for the fraudulent charges that I ended up paying for in addition to late fees that I was charged. Since I had the account since XX/XX/XXXX with excellent payment history, by closing this account with such a long history my credit score subsequently went down by 30 points in one day! And American Express Platinum also reported me 60 days late and charged me with two late fees, that also made my credit score decrease! Derogatory items stay on your credit for 10 years. Now my credit score is XXXX to XXXX for all three credit bureaus.
Consumer complaint received 2020-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HANCOCK WHITNEY BANK (LA)

I received a Sba grant and the branch officer wouldnt let me access my account making me wait at the branch about an hour and a half and my fianc asked her to hurry up because it was hot and my vehicle and the officer said that she would make it that I wont be able to access my account and money so I called her supervisor numerous times and they were telling me that my money is in the account and that its nothing that the bank officer can do about closing the account or even accessing the account.
Consumer complaint received 2020-07-29
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. (CO)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$15000.00}, {$0.00}, {$0.00}, {$1900.00}, {$5200.00}, {$5200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 



-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.
Consumer complaint received 2020-07-30
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 — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (NJ)

1 ) I submitted a dispute with TD bank and indicated I had both Audio and a transcript of the audio with them that shows they did not have a correct email address for me.

2 ) Because I was enrolled in electronic statments, notifications emails " bounced back '' when they tried to contact me.

3 ) I submitted a disupte and asked for a way to submit both the audio and the transcript to prove the point.

4 ) TD bank did not respond and instead just rejected my dispute. 

I have attached all document and the audio related tot he dispute. This resulted in a 30,60,90 and 120 day late on my account and this is extremely derogatory for my credit report. TD bank did not try to resolve the issue with me and they should have that responsiblity if they want to be allowed in consumer banking. You will find TD bank provides no email address nor method to provide files related to disuputes and they should.
Consumer complaint received 2022-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (GA)

I don't owe anything to CREDIT COLL with account number XXXX. They should have confirmed this from the Original Creditor since I have made my payment to them. Investigate this account thoroughly and make the necessary corrections or just remove the account automatically. 

CREDIT COLL ( Original Creditor : XXXX ) XXXX Balance : {$60.00}
Consumer complaint received 2022-07-23
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. (AZ)

The credit reporting system is dependent upon my consumer report displaying fair and accurate information. On XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXXXXXX XXXX XXXX XX/XX/XXXX - XXXX added a derogatory mark on my credit report per TransUnion. This information is completely inaccurate, also is a violation and unfair to me because I was never notified when the inaccurate information was furnished and I was never notified when during the agencies initial investigation that they were going to report the information. This grave error by TransUnion has undermined my confidence in the companys procedures. This company is a powerless elaborate mechanisms and this mishap that this company has caused has ruined my reputation and adversely affected my credit worthiness. This company assumed this role and was not given expressed permission by me the consumer, or a competent court of jurisdiction, so not only did this company fail in the initial investigation of this information. They also assumed this role, and assumed this inaccurate information was valid. Which is a violation of my consumer rights. according to the FCRA XXXX, XXXX XXXX FIN, XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2020-07-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC (NJ)

My prior mortgage provider - XXXX - sold the note to Selene Finance. I called them to see if they would be open to a refinance. The agent straight out said - Selene does not refinance. How ids that even possible?