davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (NY)

I XXXX XXXX am in a very difficult financial situation, and I have consulted with a bankruptcy attorney to get direction. It is my decision to avoid filing bankruptcy unless absolutely necessary. Therefore, I am taking an approach that I would consider a Chapter XXXX or Chapter XXXX alternative. Accordingly, I am no longer going to make monthly payments on my excessive credit card debt. I know that over the next 180-days my accounts will reach the legal standard where they will charge-off. Therefore, I want to put on notice with my various creditors the following criteria : 1 ) I request a fully cease and desist from all calls to my home number or cell number immediately. 
2 ) Upon transfer of my accounts either to a debt collector or a debt buyer, I still demand my rights under the Fair Debt Collection Practices Act be enforced, and that the cease and desist request be honored upon transfer. 
3 ) I demand all settlement offers be send through the US Postal Service or to my email address stipulated in the CFPB complaint. 
Please adhere to my request under my right with the Fair Debt Collection Practices Act. 
XXXX XXXX
Consumer complaint received 2015-04-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC (OH)

Union Pacific Financial did an escrow analysis and they calculated my taxes about {$820.00} more per year. I have called them several times to get this issue resolved. Faxed the County auditor 's page that shows my property tax amount XXXX and finally after speaking with several people they are finally reviewing my request for an adjustment. My payment went from {$1000.00} to {$1500.00} because of their negligence to accurately review the amount for the escrow. There customer service representative are rude and do n't care about helping the client and getting the issue resolved. I have to call almost on a daily basis to make sure this issue is resolved and they calculate my monthly payment correctly.
Consumer complaint received 2020-02-22
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Nelnet, Inc. (VA)

I was XXXX when my credit score was negatively affected by this. I sent the proper document that I was getting in a XXXX XXXX. In addition, they mailed the bill to the wrong address. Also, the agency did manage bring the accounts back as an XXXX/XXXX   status, my credit report is still not updated and the credit score has not increased. What can be done to expedite this process for fairly correct my status?
Consumer complaint received 2016-11-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (MT)

1. I have a loan through Freedom Mortgage that is 3 years old. In XXXX I put XXXX on my loan balance which took the debt ratio below 63 %. When I originally secured my loan I was told that when my balance/ debt ration was below 78 % the PMI would automatically be dropped from my loan payments. I contacted Freedom mortgage and they told me I had to have an appraisal done through THEIR company. When I I received the appraisal estimate it was {$780.00}! I paid {$500.00} for my original appraisal when securing my loan three years ago!!! I asked if I could contact the original appraisal company and get the original one updated they denied my request. This has been dragging on since XXXX. It is extremely difficult to EVER TALK to a Person who make decisions if you are lucky enough to get a real person. In their phone system they initially identify me by my phone number linked to my loan number but am required to re-enter them both in XXXX more times before talking to someone!!! Then they open a ticket and send you a letter in 10 days. This has happened twice and two other times I was promised a call deadline to discuss the situation but never received al call!!! 
This has drug out for 4 months of additional {$99.00} PMI payments!! {$400.00}!!! 
I have NEVER been late for a payment and have a very HIGH credit score.
Consumer complaint received 2020-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

Experian CRA, has not been willing to delete inaccurate, incomplete, unverifiable information from my credit file. I have mailed in several dispute letters via USPS Certified mail with Return receipts, requesting that they provide proper documentation regarding the inaccurate items on my credit file according to FCRA 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ). There were and still are tons of inaccurate unverified information listed in my Experian Credit file, such as unverified personal information including my name spelling, home addresses, telephone numbers, even my Social Security number!! ( See attached file ) They removed several items on XX/XX/XXXX, yet they left tons of more unverifiable information on my report. They tend to ignore my requests for the physical documentation that the law requires them to send to me as the consumer. I was a victim of identity theft in XX/XX/XXXX, and Experian was made aware of this issue and still left the fraudulent accounts in my credit file. They only added a " Personal Statement '' to my credit file that has proved not to be effective because they are continuously accepting and adding more and more inaccurate, unverifiable information to my credit file. I know my rights as a consumer and will soon be seeking legal counsel regarding this situation if this it isn't remedied in a prompt, timely manner. I recently re-disputed the same information I am referencing today ( XX/XX/XXXX ), and I am just worried that nothing will be rectified this time either. I have been denied for credit several times due to this situation, which has caused me so much mental anguish and distress, because this reflects poorly on my financial portfolio.
Consumer complaint received 2020-02-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (NY)

I XXXX XXXX am in a very difficult financial situation, and I have consulted with a bankruptcy attorney to get direction. It is my decision to avoid filing bankruptcy unless absolutely necessary. Therefore, I am taking an approach that I would consider a Chapter XXXX  or Chapter XXXX alternative. Accordingly, I am no longer going to make monthly payments on my excessive credit card debt. I know that over the next 180-days my accounts will reach the legal standard where they will charge-off. Therefore, I want to put on notice with my various creditors the following criteria : 1 ) I request a fully cease and desist from all calls to my home number or cell number immediately. 
2 ) Upon transfer of my accounts either to a debt collector or a debt buyer, I still demand my rights under the Fair Debt Collection Practices Act be enforced, and that the cease and desist request be honored upon transfer. 
3 ) I demand all settlement offers be send through the US Postal Service  or to my email address stipulated in the CFPB complaint. 
Please adhere to my request under my right with the Fair Debt Collection Practices Act. 
XXXX XXXX
Consumer complaint received 2020-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (IL)

I signed up for a 10 % promo offer for cash back on my next XXXX purchase. I then used that card to purchase a {$100.00} XXXX gift card, under the impression that the promo offer would apply to that order. Instead, the 10 % was applied to a coffee for {$2.00} two days later. I called Chase twice to ask for a credit in the amount of {$9.00} ( the difference in reward values between the two purchases ). Not only where they unable to credit my account, but they were unable to offer an explanation, or allow me to escalate the issue/submit feedback. Very odd, and feeling somewhat slighted. I know it's an inconsequential amount of money, and I've already wasted more time on this than I care to admit, but I feel compelled to voice my complaint. Chase should be better than this.
Consumer complaint received 2020-02-22
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. (NY)

I have an account reporting negative activity on my credit report that is currently older then 7 years old since any activity on the account. The balance on the account is approximately 4100. However most of this is just interest and I was young and stupid and couldn't keep up with high interest rates. Accounts in collections should only stay on credit reports for 7 years, and im getting information that this negative account will not come off for another 3 years. Seems the lenders are taking advantage here
Consumer complaint received 2020-02-22
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. (NY)

I have an account reporting negative activity on my credit report that is currently older then 7 years old since any activity on the account. The balance on the account is approximately 4100. However most of this is just interest and I was young and stupid and couldn't keep up with high interest rates. Accounts in collections should only stay on credit reports for 7 years, and im getting information that this negative account will not come off for another 3 years. Seems the lenders are taking advantage here
Consumer complaint received 2020-02-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe (NY)

I XXXX XXXX am in a very difficult financial situation, and I have consulted with a bankruptcy attorney to get direction. It is my decision to avoid filing bankruptcy unless absolutely necessary. Therefore, I am taking an approach that I would consider a Chapter XXXX or Chapter XXXX alternative. Accordingly, I am no longer going to make monthly payments on my excessive credit card debt. I know that over the next 180-days my accounts will reach the legal standard where they will charge-off. Therefore, I want to put on notice with my various creditors the following criteria : 1 ) I request a fully cease and desist from all calls to my home number or cell number immediately. 
2 ) Upon transfer of my accounts either to a debt collector or a debt buyer, I still demand my rights under the Fair Debt Collection Practices Act be enforced, and that the cease and desist request be honored upon transfer. 
3 ) I demand all settlement offers be send through the US Postal Service  or to my email address stipulated in the CFPB complaint. 
Please adhere to my request under my right with the Fair Debt Collection Practices Act. 
XXXX XXXX
Consumer complaint received 2020-02-22
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. (NJ)

Method of Verification On multiple occasions I requested verification from the bureaus to which they have responded with verified ( attachment ). I have now requested for Method of Verification ( attachments ) which I am entitled to according to the FAIR CREDIT REPORTING ACT, paragraph 7 section 611.
Consumer complaint received 2022-10-15
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. (NY)

I didnt authorize these car dealerships to put all these hard inquires on my credit report! The hard inquires are as listed. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX ( Opened XXXX. XXXX, XXXX, XXXX XXXX {$1700.00} ), XXXX XXXX ( XXXX XXXX. XXXX, XXXX, XXXX XXXX {$6000.00} ), XXXX XXXX ( XXXX XXXX. XXXX, XXXX, Highest Balance {$1700.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$3500.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$3500.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$4100.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$2000.00} ), XXXX XXXX ( Opened XXXX. XXXX, XXXX, XXXX XXXX {$5000.00} ), XXXX XXXX ( XXXX XXXX. XXXX, XXXX, XXXX XXXX {$4500.00} ), XXXX XXXX ( XXXX XXXX. XXXX, XXXX, XXXX XXXX {$1000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

XX/XX/XXXX mortgage sold to Specialized Loan Servicing XX/XX/XXXX mailed payment {$1900.00} for due date XX/XX/XXXX XX/XX/XXXX coupon arrived stated {$0.00} due date XX/XX/XXXX XX/XX/XXXX mailed payment {$1900.00} for due date XX/XX/XXXX XX/XX/XXXX mailed payment {$1900.00} for due date XX/XX/XXXX XX/XX/XXXX mailed payment {$1900.00} for due date XX/XX/XXXX XX/XX/XXXX mailed payment {$1900.00} for due date XX/XX/XXXX.

XX/XX/XXXX started getting harrassing phone calls for missing XX/XX/XXXX Payment.

XX/XX/XXXX spoke to XXXX, he saw i was up to date on payments, saw payments went into Escrow account, which i did not have set up, but that is why i was showing no payment and getting late fees. opened tickets resolved XX/XX/XXXX.

XXXX realized no coupon arrived called XXXX, saw same problem money in Escrow account, but i was up to date with payments. opened another ticket.my account was flagged as being delinquent and my credit score taking bad hits. another late charge XX/XX/XXXX asked for Supv as 3 times before never called back. XXXX called saw agent errors their part need to research. She saw a lot of documentation and needed to read would call back on XX/XX/XXXX XX/XX/XXXX no call back from XXXX, i called and still no call backs No coupon received to this date for payment due XX/XX/XXXX and was " mailed '' on XX/XX/XXXX. They are a Debt Collector and delibertly trying to get my account to default and blame me when they messed up the account from day 1 but telling the system to put my payments into escrow and not towards my payments. They are totally trying to destroy my credit and charge extra fees just to make a profit. They do not care to fix the problem they started but want to take over your home.
Consumer complaint received 2022-12-01
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. (WA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 2022-07-24
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. (PA)

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions.
Consumer complaint received 2015-04-12
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had my credit card number changed XXXX over the last year by the issuer for fraud prevention. The automatic payments I had on the old card numbers were apparently going through, with no alert or issue, even though those old card numbers were supposed to be inactive. The issuer never issued a statement of any kind on these charges. The oldest number was changed in XX/XX/XXXX. On XX/XX/XXXX the issuer moved XXXX of these charges to my current account with the note " MOVE DEBT FROM FRAUD ACT '' for a total of {$1400.00}. I have no way of knowing if the vendor, date or a way to verify these charges. I called the issuer and they refuse to take these charges off even though they can not give me a statement as to who billed and when. They simply label the charge " MOVE DEBT FROM FRAUD ACT ''.
Consumer complaint received 2024-02-12
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: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-04-17
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 have contacted TransUnion LLC, XXXX and XXXX in reference to these fraudulent account ( s ) : XXXX XXXX XXXX in the amount : {$34000.00} open date : XX/XX/XXXX and XXXX XXXX XXXX in the amount : {$26000.00} open date : XX/XX/XXXX. I have been contact with all agencies and creditors listed. Was told to file a Identity Theft Report which I did and sent to the above listed agencies and creditors along with my request. Only to receive the same response over and over again.
Consumer complaint received 2020-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aqua Finance, Inc. (FL)

I had a company contacting my mother called Aqua Finance in regards to a payment. When they asked for her, I informed them that she unfortunately passed. Then they said she owed a payment and I stated she passed thats why it wasnt made. I told them Im on a fixed income and can not pay this loan. Then they said that they are looking for the co-signer and I inquired as to whom that was. They asked for me. I said to them, that I never co-signed anything with my mother. I asked for a copy of the documents to see a signature. I asked could I have smaller payments until we can resolve this situation because I am not responsible for this account and they have not provided any documents yet. Nor would they reduce to affordable payments until it can be proven I was not obligated to this account.
Consumer complaint received 2020-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (ME)

Request that my loan servicing company corrects the number of Qualifying Payments for Public Service Loan Forgiveness.

I am writing to you for help with a discrepancy in documentation I see regarding the number of qualifying payments for Public Service Loan Forgiveness I made on my student loans. My loan servicing company is Fed Loan Servicing.

The problem : My number of qualifying payments for PSLF should be 78 on each of my six loans. I consolidated these loans.

I submitted PSLF employment certification forms documenting qualifying employment with multiple employers. I made regular student loan payments.

Fed Loan Servicing records are incomplete, missing several qualifying payments on five of my six loans. Attached are documents showing the following errors : Loan sequence 1 shows 75 qualifying payments.

Loan sequence 2 shows 75 qualifying payments.

Loan sequence 3 shows 75 qualifying payments.

Loan sequence 4 shows 77 qualifying payments.

Loan sequence 5 is correct ( 78 qualifying payments ).

Loan sequence 6 shows 72 qualifying payments. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-02-22
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. (VA)

I don't recognize this inquiries, i never applied for this. I believe that i was victim of Identity Theft, somebody used my personal information and applied for this companies.
Consumer complaint received 2016-02-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (NC)

My XXXX account is reflecting inaccurate information based on the company not removing and deleting this account as paid in full. Originally this company known as Central Financial Control also known as Syndicated Office Systems issued a settled in full letter instead of a paid in full letter. This has affected my XXXX information in a negative manner. The Fair Credit Reporting Act has been violated. Statutes that have been legally compromise are as followed : 607- Compliance Procedures Title B- Accuracy of report. 611- Procedure in Case of Disputed Accuracy Title A-Reinvestigations of Disputed Information. 617- Civil Liability for negligent non-compliance.
Consumer complaint received 2019-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I made a eligible purchase using my Delta Platinum card over 8 weeks ago and met the minimum spend requirement for sign up bonus. I haven't got the delta miles bonus yet and have not been able to transfer membership reward points to other partners.