davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (MD)

In order to get an understanding of the balance of my student loans, on XX/XX/XXXX I contacted Navient in regards to my consolidations loans that were completed on XX/XX/XXXX and that are currently with XXXX. The young lady could only provide Information on the most recent consolidation and was not able to see details of the older consolidation loans from XXXX and I was informed that I should contact XXXX. I contacted XXXX whom were not able to tell me what loans were included in the consolidation because they have the loan after the consolidation ; I was then routed to review and contact NSLD whom did not attempt to assist me at all with getting detailed information about my consolidation. I have also contacted XXXX XXXX in which I still have not received a response to date. 
On XX/XX/XXXX, I sent an email request to Navient that I would like an audit completed to provide me with the details of each of my loan consolidations. The response from Navient on XX/XX/XXXX is that I can review my loans with NSLD. ; again the problem this is that it will not show me the details and the amounts for the accumulated consolidation balance. 
When I initially, did the consolidation with Salliemae/Navient it was an attempt to bundle my loans in one place even after I had applied for forbearance and forgiveness through their agencyit did not as if anything had changed even while I was making payments. Also, while reviewing my information from NSLD, XXXX and Navient I noticed that loans that were supposed to have been consolidated during the XXXX application had not been included and that the most recent consolidation seem to include loans that should have already been accounted for. 
Taking a closer look at my students and Navients process, it seems that loans that were supposed to be included in a forgiveness process and consolidation agreement were not but also appears that some have been re-consolidated. This is not my first attempt at trying to get answers from Navient, back in XXXX when attempting to return to school but wanted to be clear on my student loan balances and received the same brush-off from Navient with no results. 
I am again requesting a full detailed audit of all of my student loans, this also is to include what specific loans contributed to each of my consolidation loan ( s ) because the forgiveness and consolidation initially began with Navient/Salliemae.
Consumer complaint received 2022-01-29
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. (FL)

This debt was sold from XXXX XXXX XXXX XXXX XXXX XXXX I know this because I called XXXX  to make the payment, who sent me to XXXX. This debt was paid in full to XXXX XXXX on XX/XX/2001 despite NEVER receiving any communications from them. This is not an OPEN account with XXXX XXXX. I have disputed this account on multiple occasions because XXXX XXXX and XXXX refuse to report accurate information and delete the accounts as agreed. NONE OF THE INFORMATION MATCHES ACROSS AGENCIES. If the agencies are properly validating these accounts then shouldnt they all be getting the same information? Yet all 3 National Credit Reporting Agencies ( Transunion, XXXX, XXXX ) continue to ignore my disputes and mark it as verified as accurate. When, in reality, they can not even accurately or legally validate the account. I want these accounts removed from my credit report immediately in accordance with FCRA regulations. XXXX XXXX has illegally added this account as a NEW and OPEN account on my report. Inconsistencies include : Account Type, Account Status, Account Numbers, Date Last Active, Date Last Payment, Date Last Reported, Date Open, Payment Status, Credit limit, and comments. Transunion and XXXX have missing information. These accounts have negatively affected my ability to get a credit card, a loan, a mortgage, and they are negatively affecting my military security clearance.
Consumer complaint received 2022-01-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I opened a dispute to the credit bureau regards a debt reflected in my credit report " XXXX '' under the collection company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX few days later I received a phone call from that collection company asking to pay off that debt. I told them the same that I stated to XXXX, I haven't heard from this company either about the debt, that I have a health insurance that pay most part of my bills and I always pay my copays on time. I mention this company was violating my HIPPA rights. I also asked copy of all the documents that this collection company claims I am in debt including the document they said I signed to waive my HIPPA rights. I provided them my email. I never received the promised email with all that information.
Consumer complaint received 2016-08-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (VT)

I continuously receive calls at home, work, and on my cell from Midland Credit Management ( MCM ) for a debt that they can not verify is mine. They call from XXXX at least XXXX10 times a day including Sundays. I have told them that the debt they have listed is not mine or was paid a long time ago. It 's from 2007 on my credit report. They can not provide me proper proof that this is a valid debt.
Consumer complaint received 2019-05-10
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. ()

After reviewing my most recent credit report since my identity been compromised due to the lost/ theft of my id, I noticed a series of unknown inquires on my credit report, and I would like these inquiries removed immediately on the pure basis they are unknown and unauthorized by me. I understand the credit reporting agencies go to explanation that inquiries stay on your credit report for 2 yrs, I understand that, however that is not my argument. My argument is that I did not authorize these inquires by any means and again please remove the following inquiries. 

1 ) XXXX XXXX 2 ) XXXX  XXXX 3 ) XXXX credit XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX  XXXX 6 ) XXXX XXXX  XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX XXXX 9 ) XXXX XXXX XXXX 10 ) XXXX XXXX XXXX XXXX 11 ) XXXX XXXX XXXX 12 ) XXXX XXXX XXXX 13 ) XXXX XXXX XXXX
Consumer complaint received 2020-02-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (TX)

this company, changes variations of its names, dings my credit, pulls it off, dings it again, sells the debt, pings my credit, over and over ... I have made complaint, had it removed, only for them to come back do it again, this company Commonwealth and XXXX appear to be in this together
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Dispute with Experian information regarding late payments on a mortgage company. Documentation was provided showing bank statements of payments for XXXX, XXXX, and XX/XX/XXXX. 

The company, XXXX, offically closed it doors on XX/XX/XXXX. Despite XXXX being closed on XX/XX/XXXX, XXXX, Experian was still able to verify the information as accurate. All employees were laidoff from the company based on news articles.
Consumer complaint received 2015-04-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC (RI)

Electric company ( XXXX XXXX ) turned account over to debt collection agency for refusal to pay portion of my bill that resulted from utility theft/charges being placed on my account that I was not responsible for.
Consumer complaint received 2019-10-04
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. (TN)

I'm relocating to LA and looking to purchasing a condo. I checked my credit score just to see what was on my report because I haven't checked it in a minute. While checking my report I saw a couple of items that are not mine. This is fraud so I have taken the liberty of reporting it to the police as well and FTC. XXXX  XXXX, XXXX XXXX, XXXX XXXX and XXXX.
Consumer complaint received 2015-12-28
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

Dear Sir/Madam, I am writing in hopes to resolve a particular dispute with Scottrade Bank and their affiliates collectively referred to as Scottrade. 

Scottrade maintains that I should file arbitration against them for the purposes of resolving a customer dispute, however, neither Scottrade Bank nor Scottrade Brokerage have confirmed the existence of a valid arbitration agreement and has refused to answer any of my inquiries for details. 

I am writing this letter to address a very specific issue. Specifically, I would like a copy of the full " consumer contracts '' that were formerly signed in order to open a Scottrade Bank and Scottrade Brokerage account. 

Please be advised that I previously requested this information from Scottrade Bank and Scottrade Brokerage but was not supplied with an original account agreement. I signed up for the accounts in XX/XX/XXXX, however, Scottrade Bank and Scottrade Brokerage provided me with an unsigned copy of a " consumer contract '' that had numerous revisions from the XX/XX/XXXX version of the contract. 

The contracts Scottrade Bank and Scottrade Brokerage use have " tracking numbers '' in the bottom left margin of the page that indicate the year and date. Therefore, I am kindly requesting Scottrade Bank and Scottrade Brokerage provide me with the corresponding and original XX/XX/XXXX version of the sign contract and not a XX/XX/XXXX version that is materially different.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

While looking at my credit reports I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. Transunion has XXXX, ACC #  XXXX Balance of {$300000.00} as Date Opened : XX/XX/XXXX, however XXXX  has the following info claiming to be accurate, Date Opened : XX/XX/XXXX, and XXXX is not reporting it at all. 

TransUnion has : XXXX XXXX Account # XXXX Balance of {$640.00}, as Date Opened : XX/XX/XXXX, Balance Owed {$8.00}, and Payment Amount {$8.00} ; however XXXX  has the following info claiming to be accurate : Date Opened XX/XX/XXXX, Balance Owed {$17.00}, and Payment Amount {$9.00}, and XXXX  is not reporting it at all. 

TransUnion has : XXXX XXXX XXXX Account # XXXX Balance of {$100.00}, as Date Opened : XX/XX/XXXX ; however, XXXX  has the following info claiming to be accurate : Date Opened XX/XX/XXXX, and XXXX  is not reporting it at all. 

TransUnion has : XXXX XXXX Account # XXXX Balance of {$190.00}, as Date Opened : XX/XX/XXXX ; however, XXXX has the following info claiming to be accurate : Date Opened XX/XX/XXXX, and XXXX  is not reporting it at all. 

TransUnion has : XXXX XXXX Account # XXXX Balance of {$20000.00}, as Date Opened : XX/XX/XXXX ; however, XXXX has the following info claiming to be accurate : Balance of {$19000.00}, and XXXX  is not reporting it at all. 

If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another? 
This is not possible and because of this inconsistency, please delete the following accounts from my credit profile immediately. 

XXXX, ACC # XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXccount # XXXX I also asked if they would update my personal information in their system, they have not done so. 

I asked for them to remove the fraud and security alert from my credit report and they have not completed that!
Consumer complaint received 2019-10-04
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)

victim of id theft these are the accounts that are not mine XXXX XXXX balance XXXX opened XX/XX/XXXX XXXX XXXX balance XXXX opened XXXX XXXX XXXX/XXXX XXXX balance XXXX opened XXXX XXXX XXXX  XXXX XXXX balance XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX balance XXXX opened XXXX XXXX XXXX  XXXX a balance XXXX opened XX/XX/XXXX
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

I attempted to create an online account with Equifax to manage my credit freeze. The Knowledge-Based Authentication ( KBA ) questions were impossible to answer correctly because some either referred to data unrelated to me, or used data far too old for me to recall. After calling Eqiufax, I was told that because I was unable to answer the KBA questions, I was permanently prohibited from setting up an online account despite the fact that the Equifax agent successfully confirmed my ID by phone.
Consumer complaint received 2024-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CA)

XXXX XXXX XXXX they refused to send statements. XX/XX/XXXX mortgage doubled w/o notice they refused to tell me why. Attorney said not legal. They then I became successor. XX/XX/XXXX and XXXX they did not send statements. Emailed XXXX on XXXX. Rcvd Mailed copy XXXX XXXX .March they informed me I was no longer successor XXXX refused to take Ap pymnt. XXXX the man said we can take your payment but can not communicate abt anything. I have over XXXX in escrow as well as when escrow changes ( due to real estate fraud ) now I dont know where all my money will go. I have been paying since XXXX. Husband passed XXXX father in law XX/XX/XXXX. By XX/XX/XXXX it has been a nightmare game with them. Including they claim to have rcvd assumptions packet then weeks later closed saying I never emailed it in. Making me guess what the new payment is no one ever tells you the same or correct info. No one. This is in my father in laws name. I am the only one making payments. They send surplus to est of father in law. Late XXXX they put surplus into escrow. Now where does my money go? Why do I have to fight to make a payment or get statements
Consumer complaint received 2019-04-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

PLEASE REMOVE ANY ACCOUNT THAT IS LINKED TO MY PERSONAL INFORMATION SOMEONE ELSE IS USING MY PERSONAL INFORMATION TO MAKE ACCOUNTS WITHOUT MY AUTHORIZATION THANK YOU PLEASE NOTIFY XXXX ABOUT THIS PROBLEM TO UPDATE THIS INFORMATION WHY YOU ARE HARMFUL AND DO NOT LET ME TAKE ACCOUNT WITH OTHER BANKS.
Consumer complaint received 2020-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (GA)

I refinanced my home in XXXX ( closing scheduled as of XX/XX/XXXX ; loan originated on XX/XX/XXXX ) with Cardinal Financial Services. The home appraised, as submitted to Cardinal for the refinance process, at {$260000.00}. The total mortgage on the refinance was {$190000.00}. They promptly transferred the loan, seemingly internally, to Cardinal Financial. They begin charging PMI, despite there being much more than 20 % equity in the home. I have been unable to get this charge removed, despite requests made in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX My husband called today using a recorded line, and they again simply said that they will " send us the paperwork '' which never arrives. I have paid, at this point, thousands of dollars of PMI erroneously that is owed back to me. It is my understanding that charging PMI on a loan with more than 80 % equity in the house ( in some cases 77 %, but we meet even that criteria ) is illegal under the 1998 Homeowners Protection Act. At this time I need to pursue this beyond the company 's capability to respond.
Consumer complaint received 2020-02-12
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. (NY)

Equifax continuously reports account # XXXX XXXX XXXX XXXX XXXX as accurate & updated. 

However account still reflects inaccuracies. 

Equifax currently reports that last payments was received in XX/XX/XXXX. A violation. 

However, this account was last paid in XX/XX/XXXX, of which my bank statements reflects. Please update or remove Account immediately.
Consumer complaint received 2019-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (ID)

Please see attached documentation pertinent to the dispute with the bank regarding the credit card. I must add that besides not disputing the transaction ; the bank also negatively reported the charge to my credit report.
Consumer complaint received 2020-02-12
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/XXXX, I went to Belk. As I was leaving a lady asked me about a promotion for opening a belk card, I let her know I already had a belk card. She said that she could get me a better card by applying with her. She asked me to put in my income to see if I could get a higher limit. We discussed the advantages of the new card including additional rewards. I thought she was enhancing my card that I had already not applying for a whole new card. She then handed me a piece of paper with a new limit and lower credit amount. I was very confused by the whole process. I then got a new card in the mail that had less benefits than one the one I already had. I have a mastercard that I can use anywhere and the card I got was just a card to use in Belk. The whole interaction was offputting. I called the store to complain as it was misleading what was going on.
Consumer complaint received 2019-10-04
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. (NY)

XXXX had input a Hard Credit Inquiry on my credit report, which I did not authorize. Moreover, I specifically requested that the phone conversation be recorded and they will not pull my credit. After I discovered a first hard inquiry on my credit report from XXXX, I contacted them by phone and spent an hour being transferred to different people, and via email in effort to remove the hard inquiry from my account. Got a response by email that my request has been submitted. Checked my credit report again two weeks later, and found a second (! ) hard inquiry from XXXX on my credit report. The credit bureaus ( XXXX, Equifax ) claim they can not remove an unauthorized inquiry from my account.
Consumer complaint received 2020-02-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CHOICE CAPITAL FUND (FL)

In XX/XX/XXXX, I applied and was approved for a {$200.00} loan. Looking into the loan further, I noticed the interest rate is 660.01 % or a ( 1 ) time payment of {$61.00} and then ( 9 ) payments of {$120.00} for a total of {$1100.00}. Somehow this seems extremely high and should be illegal. Pay XXXX in interest for a {$200.00} loan is quite high to say the least. Is this really legal. 

Thank You XXXX XXXX
Consumer complaint received 2020-02-12
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. (AR)

I received a call from a student loan company several times a couple of days ago. They continued to ask me about the student loan account. I have never even went to school to have student loans. I pulled my own credit report and saw a various fraudulent accounts that did not belong to me. Please delete these accounts from my credit report. 

XXXX XXXX XXXX   XXXX {$5400.00} XXXX XXXX {$7100.00} US DEPT OF ED/XXXX/XXXX XXXX {$10000.00} XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXX {$7300.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$26000.00} US DEPT OF ED/XXXX/XXXX XXXX {$11000.00} XXXX XXXX   XXXX {$21000.00} XXXX XXXX XXXX   XXXX {$7300.00} XXXX XXXX XXXX {$12000.00} XXXX/XXXX   XXXX {$4000.00}
Consumer complaint received 2015-05-19
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

This company is charging me XXXX which is n't the correct loan price. My loan amount was XXXX. I have paid XXXX. On my credit report Green tree Servicing LLC, PO Box XXXX, XXXX XXXX, SD. XXXX. ( XXXX ) is reporting my loan as new to keep it open. this loan have been a charge - off on XXXX with an account paid in full. This account was opened XXXX.