davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

Regarding the XXXX XXXX XXXX XXXX program, FedLoan Servicing sent me ( and thousands of other borrowers ) erroneous letters labeled " PSLF Application Results '' that contain this line : " The charts above display the total number of eligible and qualifying payments you have made ( out of the required XXXX ) on your eligible loans for XXXX and XXXX, including any periods we have assessed as eligible or qualifying under the Limited PSLF Waiver. '' This information is incorrect and misleading, as the Department of Education has not yet applied the XXXX XXXX XXXX payments to most borrowers ' accounts. 

Since I just reconsolidated my loans to get the highest payment count on all my loans, my qualifying payment counts went from around XXXX and XXXX to XXXX. I also have at least XXXX to XXXX old payments that should qualify under the XXXX XXXX XXXX. 

I understand that it's taking some time for the Dept of Ed to apply the waiver to so many accounts, however, it is incorrect and distressing to borrowers to get letters from their loan servicer saying that the waiver payments have already been applied.
Consumer complaint received 2018-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have credit card with Bank Of America. They closed my account because of late payments. I was responible customer, but acter my car accident I didn't was able to work almost one year. In that period of time I miss those late payments.
Consumer complaint received 2022-07-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

Since XX/XX/XXXX, I have contacted SantanderXXXX to catch up on payments I got behind on as a result of multiple tax levies post divorce. I received no response to at least monthly, sometimes several monthly, emails, until XX/XX/XXXX. I was given a modification packet, which I completed and returned. No response was received. I requested a status, got no replies, and in XX/XX/XXXX, was later given another package, which I completed and returned. Again, no response was received. In XX/XX/XXXX, I submitted the package through the portal, and was given a request to update. I updated all documents as requested. I complied with requests for updated profit and loss statements showing each employees income on XX/XX/XXXX. 
I called Santander XX/XX/XXXX, after receiving 2 letters dated 2 weeks prior to the postmark date, both of which had 14 day deadlines. I was allegedly sent a loan modification denial on XX/XX/XXXX, stating that my income, which is well over {$120000.00} per year, would not allow for a modification because the payment amount would be higher than it already was. I was emailed a copy of the denial on XX/XX/XXXX, and filed an appeal. It was sent via portal, email and USPS. No one has confirmed my appeal, and no one is responding to requests for an update. 

It is now 27 months after I requested information, and no resolution. Had Santander provided me with modification documents in XX/XX/XXXX as requested, not only would I have been far less in deficit, I would have been able to refinance in the last year, getting out of this horrible bank and taking advantage of a far better interest rate. 

I intend to do whatever I need to in order to keep my home, as they are now threatening to foreclose. They have failed to do anything they are supposed to under the federal guidelines, and unfortunately, it seems to be a pattern. No one acts until I threaten to file complaints with the appropriate authorities, so I am now forced to file. 
I have attached email chains to this document for review showing my constant attempts to contact them.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX has not resolved my concernXXXX XXXX is required by California law to mail me the Notice of Intention to Dispose of Motor Vehicle, which based on the tracking number that XXXX provided in the " Notice of Intention to Dispose of Motor Vehicle '', that I am just seeing as of yesterday, XX/XX/2020, it was never delivered to my address. XXXX tracking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is an alleged debt that I am not claiming.
Consumer complaint received 2018-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (ME)

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Tel : XXXX Alleged Debt Owed : {$600.00} Original Creditor : $ XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On the dates XXXX XXXX I was sent payment from my mother of a total of {$15000.00}. On XX/XX/XXXX I received an email from capital one who I bank with saying my account has been restricted with no access to my funds. This is my only bank account I have and I cant pay my bills or do anything until this is solved. Ive called multiple times to the customer protection team but they dont give me any answers and tell me just to wait for a response that they dont have a timetable on. They gave me another number to call for updates but it just goes to voicemail
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated.
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc. (DE)

A year ago, I got a Self Lender credit builder account and made all of my payments on time and paid off. Instead of getting the fund back at the end of the term, they offered me a credit card which I accepted to build my credit further. 

My funds of {$450.00} was transferred to the secure credit card. My credit card was in good standing until XX/XX/2021, when I lost my job and was going through hardship. 

They decided to close the account because because I was making payments. I understand that and was fine with it. 

The problem is that, they decided to keep my {$450.00} as charge off. They are not giving me the option to pay it off in full and then have it returned to me. That was my money. Its unfair that they get to keep it without if working with me. I also had to pay {XXXX} In fees.
Consumer complaint received 2020-07-31
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP (CA)

US Bank Home Mortgage refuses to report my home loan on my credit report for no reason. Ive paid on time for the whole 4 years Ive had the loan and want them to report it correctly like they do for everyone else. They are damaging my credit by not reporting my 4 years of on time payments. They say the home was in bankruptcy but it never was and they refuse to fix this. They are kicking someone who is down by damaging my credit when Ive done nothing but be a perfect customer l. They shouldnt be allowed to discriminatorily decide who to report and who not to when Ive done nothing but be a perfect customer to them. They are a horrible company I cant wait to run away from
Consumer complaint received 2022-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

I purchased my home in XX/XX/XXXX and it is now XXXX and my mortgage statement is still showing I have 29 more years to pay off my mortgage. In XXXX I file a XXXX  XXXX due to job lose, but I was still paying my monthly mortgage payment with XXXX XXXX. My mortgage was later purchased my XXXX XXXX in XXXX that reset my mortgage again to 30 years some years later after questioning them, the service of my mortgage was purchased by Rushmore mortgage again being reset to 30 years. I purchased my home for $ XXXX and my balance as of today is $ XXXX. These have refused to report my mortgage to any credit bureaus, I know that I'm being rip off. I know my house should just about be paid off and I had one remod during my bankruptcy but never had a refinance done.
Consumer complaint received 2019-08-20
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. (FL)

XXXX XXXX, XXXX SOC SEC # XXXX   DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE:XX/XX/XXXXThis serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.Recently, I've been denied in my application for (mortgage, car loan, credit card, health insurance, employment) in XX/XX/XXXXUpon closer look, this was due to inaccurate information on credit report; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows;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 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My information was sold and bought illegally because I was a victim of the XXXX XXXX. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-25
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: Bread Financial Holdings, Inc. (TX)

I have been a victim of identity theft and I have continued to reach out to XXXX and they still have not removed these accounts from my report! I filed a police report, filed an FTC report, Submitted all documents to them and still have not removed it from my credit report. They are reporting incorrect and false information. Please have them remove these accounts from my credit report. Thank you.
Consumer complaint received 2022-03-09
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)

It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US BKPT CT FL XXXX XXXX Docket # : XXXX Source : XXXX File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : XXXX  XXXX BANKRUPTCY DISCHARGED *** XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-03-09
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. (LA)

I previously sent my complaint TransUnion about blocking or removing all the information that is erroneous and fraudulent. They failed to organize a proper investigation to confirm and validate the items and unauthorized inquiries since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$9900.00} XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$830.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$620.00} XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-03-09
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. (OH)

XX/XX/2022, submitted a letter, XXXX XXXX XXXX Bankruptcy Court, regarding an entry appearing on my XXXX Credit Reporting Account. 

XX/XX/2022, received a letter from XXXX XXXX XXXX Bankruptcy Court, confirming that the U.S. Bankruptcy Court doew not report case information to the credit reporting agencies XX/XX/2022, submitted a follow-up letter to the XXXX Credit Reporting Agency , in which XXXX reported as being verified with the bankruptcy court, which prompted me to contact the Bankruptcy Court XXXX
Consumer complaint received 2022-03-09
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. (OH)

XX/XX/2022, submitted a letter, XXXX XXXX XXXX Bankruptcy Court, regarding an entry appearing on my XXXX Credit Reporting Account. 

XX/XX/2022, received a letter from XXXX XXXX XXXX Bankruptcy Court, confirming that the U.S. Bankruptcy Court doew not report case information to the credit reporting agencies XX/XX/2022, submitted a follow-up letter to the XXXX Credit Reporting Agency , in which XXXX reported as being verified with the bankruptcy court, which prompted me to contact the Bankruptcy Court ,
Consumer complaint received 2022-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX IS REPORTING ON MY EXPERIAN. AND MY XXXX CREDIT FILE THAT I OWE THEM MONEY THAT I DONT. I HAVE PREVIOUSLY ASKED THEM FOR A VALIDATION OF THE DEBT IN WRITING, WHICH I AM STILL PATIENTLY WAITING FOR. I AM ON XXXX, WHICH MEANS MY INCOME IF FEDERALLY PROTECTED. THE OLD XXXX  ACCOUNT WHICH IS NOT MINE TO BEGIN WITH AND IS TRYING TO BE REAGED BY XXXX XXXXXXXX IS THE ONLY THING I CAN THINK OF, WHICH WAS OVER 2 YEARS AGO. I WANT THEM TO STOP BOTHERING ME, WHICH IM ENTITALLED TO ASK FOR.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (IL)

This communication shall serve as my FIFTH REQUEST for the SOURCE DATA of EVERY ITEM listed in my LexisNexis Accurint Comprehensive Report and LexisNexis Accurint for Collections Contact and Locate Report. In your cover letters, you state " In order to correct inaccurate data, you must go back to that source to clear the official record. '' Seeing that roughly 85 % of the information contained in the reports is completely wrong, I need the source data to get working on it. I do not understand why this has been so difficult for you to complete my request. As of the date of this communication, I have received two copies of both Accurint reports with NO source data. And, the reports you have sent to me have the tops cut off so I can not see all information. Please provide the reports to me on appropriately sized paper so that I can clearly see ALL INFORMATION. Would you please take responsibility for this matter and see to it that I receive COMPLETE COPIES OF THE REPORTS and the SOURSE DATA for EVERY ITEM contained in the reports? For verification purposes, I have included a copy of my identification and social security card. Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible.
Consumer complaint received 2022-03-09
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: ID Analytics, Inc. (FL)

The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPTEDXXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX 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 2018-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (ME)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Tel : XXXX Original Creditor : XXXX XXXX Alleged amount owed {$2800.00}
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (WA)

ComenitycbXXXX allowed a person named XXXX XXXX to open up a credit card in her name with my social. This was not by accident. She opened up two credit cards ( XXXX and ComenityXXXX ) but Comenitycb will not remove it from my credit report and continue to report it as delinquent. I have given them all the information and am told something different each time I call. Because they allowed her to open up the card, her name and address are now being reported on my credit report which is how I got the information on this person. On XX/XX/XXXX XXXX opened up a credit card under my social. On XX/XX/XXXX she maxed out the card {$1000.00} and never made payments. I found this woman on social media and found a post that she made of the actual receipt. I do not live in Wisconsin nor have I ever visited.
Consumer complaint received 2022-12-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (DC)

I applied for store credit at XXXX XXXX XXXX on or about XX/XX/22 and was denied. The credit was offered through Synchrony Bank. The reasons that they gave for my denial of credit was that they could not verify my identity. I believe that the real reason is that I am black. 

My reasons for believing this are simple. First, in order for them to view my credit file, I had to unfreeze my file using my personal password and second, they pointed me to a verification service where I had to scan both the front and back of my XXXX. XXXX XXXX, State ( DC ) issued driver license, which should have been all I needed and more than enough to verify I am who I say I am. 

In their letter, they state that they checked data sources that may include, public records, phone directories, or social security databases. Additionally, they state that their customer service agent might have asked me questions to verify my identity. Therefore, I have no other reason to believe that this was not an algorithm or machine decision, but a human XXXX and XXXX based on my race. If there is another reason, I would love to hear it. 

I was denied credit despite the fact that I have an excellent credit rating that was only verifiable because I unfroze my XXXX and XXXX credit files. My records show a credit score over 750, a 100 % on-time payment history, and 30 % or less credit card utilization. 

Finally, I have taken great care in protecting my credit and personal information. I have monitoring services through XXXX and XXXX, both of which notified me after this process that my email and password had been compromised. 

This has been a nightmare process and they should be put on notice so that it doesn't happen to anyone else.