davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-18
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. (NC)

XX/XX/XXXX. Who is the credit provider for this account? 
XXXX XXXX XXXX XXXX party didnt ask could they use XXXX XXXX party did not ask could they use XXXX XXXX XXXX XXXX party did not ask could they use XXXX, XXXX party did not ask could they use XX/XX/XXXX. 
XXXX XXXX XXXX lease not mines XXXX XXXX lease not mines XXXX XXXX lease not mines XXXX XXXX XXXX XXXX lease not mines XXXX XXXX - party did not ask could they use XXXX XXXX- party did not ask could they use XXXX XXXX XXXX didnt ask for use of matters XXXX XXXX - party didnt ask could they use NONE OF THE ABOVE Nonconsential use of credit party did not ask me if I wanted them to use my identity to do any matters sai d every body does it, they all break the law, what was the comment about them using it would like same debited from their accounts.
Consumer complaint received 2019-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MA)

Recieved debt collection letter from Southwest Credit from XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX. The letter stated that I owed a debt principal for a XXXX I count which I do not have. I called them and gave them a peice of my mind.
Consumer complaint received 2019-07-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION (PA)

After falling behind in my payments, Regional Acceptance Corporation hacked into my telephone contacts and social media contacts. They contacted multiple contacts including ex husband and current boyfriend 's family and advised them that I was not making my payments and that they needed to contact me and have me call the office.
Consumer complaint received 2019-01-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I opened a checking account with Citizens bank with a promotion to receive {$400.00} after having a direct deposit of {$1000.00} or more. I made this direct deposit on XX/XX/XXXX and its been over a month with no bonus yet.
Consumer complaint received 2019-09-29
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: Experian Information Solutions Inc. (IL)

There is a card reporting on my Experian credit report for XXXX  XXXX XXXX in the amount of {$9300.00}. I have NEVER applied for a XXXX XXXX XXXX Card. I've told XXXX XXXX XXXX, Experian and now the Credit Collection Company that this is NOT my card. I was a victim of Identity Theft. This is still showing up on my credit report and NO ONE has reached out to me to resolve this issue. I have sent over 10 letters to both XXXX XXXX XXXX, Experian and the Credit Collection Agency XXXX XXXX XXXX. This needs to be removed IMMEDIATELY from my credit report. I am a senior citizen and hardly speak any English. Every time I have to call or dispute something I have to have a neighbor help me. This is against the FTC rules to report incorrect information on someones credit.
Consumer complaint received 2019-07-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (CA)

I have a copy of admission form, This form I did not sign or legally agree to. The signature on the original admissions form was signed without my permission, consent or knowledge. XXXX XXXX had a family member sign on my behalf without my consent or knowledge, in doing so, they took my rights away of being informed as a consumer! At the times of medical procedure I was of sound body and mind and able to make my own decisions and was denied this right. This document should be nulled and debt should not be legally collected on. I would like all debt, interest and all derogatory reports added to my credit bureau removed. 

Thank you, XXXX XXXX
Consumer complaint received 2019-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (RI)

On XX/XX/XXXX I was opening mail concerning a credit card I applied for at XXXX. They reported that I did not qualify for the lowest interest, and stated it was based on my credit score and credit report. 

In the body of the letter I received it stated that under federal law, you have the right to obtain a copy of your credit report without charge for 60 days after you receive this notice. To obtain your free report, contact : Equifax Credit Information Services , Inc., XXXX XXXX XXXX, XXXX, GA XXXX, XXXX http : //www.equifax.com. 

I then called the phone number to request a copy of my free report. I spoke to XXXX, and was then asked a lot of questions : my full name, my ss #, my address, my home mortgage holder and amount of my mortgage, my car loan provider and the amount I pay, my other credit card cards. 

At this time I felt I was providing information to a scammer to use against me to get my identify for fraud. 

I then asked to speak to her supervisor. After a lengthy wait I spoke to Supervisor with first name as XXXX. She said that they have to ask me these questions to ascertain whether I am the rightful holder of the credit information. I asked them how may ways do I have to confirm who I am am. Send me my report and I will report any reporting errors. I then stated that I feel this is unreasonable and unnecessary since I do not think that you asked XXXX XXXX for all this information about me BUT you sent them a report on me. 

When I asked where the supervisor where she was located, she announced the XXXX. When I told her that this smacks as your company trying to get my information to steal my identify and that I do not feel secure answering anymore questions. 

I then asked for her supervisor and she said that her supervisor would tell me the same thing. 

I then told her I would report this company to the XXXX XXXX XXXX and the Consumer Finance Agency. 

I then stated I would like her to hang up so that I can take the survey they asked me to take at the beginning of the call to tell them about my experience and to tell them how dissatisfied I was. She then wished me a good day and hung up. Then a voice next came on the call said to take the survey, press 1, which I did the connection was severed. 

I believe this company and its operation is fraudulent and as I see from many other same complaints, it should be investigated for misuse of information, not providing what they profess to provide and action taken against them to rescind their license to be credit reporting agency and the public be informed that it is not an authorized credit reporting agency. 

I also request that an investigation be made into their call collection information such as the one I experienced and whether it leads to identify theft. 

I will be following up with my congressman on this complaint.
Consumer complaint received 2019-07-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (NC)

I started the process to refinance my current mortgage. The closing lawyer attempted to obtain the payoff statement, but they would not provide that statement for 4 business as they claimed they are behind. The lawyer informed me I could obtain the information sooner. I called and spoke to a representative on XX/XX/XXXX who said she could request I receive the payoff statement in 24 hours if she requested an expedite through a supervisor. I called back on XX/XX/XXXX, my closing date on the refinance, to determine the payoff amount as I had not yet received the payoff statement. I was told that it had not yet been generated, but still could be done today. I asked to speak to a supervisor and was told that one was not available and could call me within 24 hours. They also told me that there was no one within the company that could help me with this inquiry.
Consumer complaint received 2019-07-18
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. (CA)

XXXX ; Experian and XXXX are reporting incorrectly ( 90 ) plus days late on the XXXX XXXX XXXX XXXX account numbers XXXX and XXXX. ( Please see pages 1 and 2 of the attached credit report. ) I have made multiple consecutive payments on these accounts  and therefore they should not be reporting any lates. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful. Please delete these late payments from these trade line items on my credit report.
Consumer complaint received 2019-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (AZ)

New home constructed XXXX, purchased in XX/XX/XXXX. Lender calculated property taxes into PITI. Loan then bought from lender by AmeriHome. XX/XX/XXXX, AmeriHome sent ltr increasing Escrow tax  deduction w/o explanation to be eff XX/XX/XXXX. My research disclosed XXXX County, AZ documents that property was to be assessed for tax years XXXX & XXXX as 'Vacant Land '. I sent 3 email msgs to AmeriHome w/county document. AmeriHome did not accept county document or my challenge. XX/XX/XXXX, ltr to AmeriHome asking for answer to email msgs & decision. XX/XX/XXXX, lady called from AmeriHome tax dept saying they had document from XXXX County that taxes due XX/XX/XXXX exceeded {$2200.00}. She declined to provide copy of document & said she'd call back in 2-3 days - no call or ltr to date. Called County Treasurer & told no ltr was sent to AmeriHome & allegation of {$2200.00} taxes due in XX/XX/XXXX is false! He told me taxes are NOT assessed by Assessor until late XX/XX/XXXX of current taxable yr. The assessed value is then sent to Treasurer for review & evaluation. Treasurer ofc then applies County formula for taxing B/4 being sent to pty responsible for payment - ( 1st half in XXXX, 2nd half in upcoming XXXX ). Reaffirmed that my property was to be assessed as Vacant Land until XXXX tax year.
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I reviewed my credit report and saw that XXXX had a entry on my credit report. I do not have any dealings with XXXX. I called XXXX but was put on hold for more than an hour. No one answered. This is an invalid entry. I have nothing to do with XXXX. I want this removed from my credit report. I made an inquiry but I did not open an account with them.
Consumer complaint received 2019-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (DC)

I was told one month ago that my debit card was to be deactivated following exposure to a breach at a retailer. 

I was told they were sending a new card. It never arrived. I called in to the bank on three further occasions and was told on all of those occasions a new card would be issued. So far I have not received one. 

Further, when I called the bank the last time, I was told that there was nothing wrong with my card and it would not be shut off. 

2 days later, my card was shut off and since they do not have physical branches in my vicinity, I have been completely shut off from my accounts. 

I do not have a way to pay for food, travel or anything else until this is resolved. 

They have since offered to send me a new card in 3 business days, however I have prepaid for a vacation with my family in XXXX 1 day from now, and to attend a friends wedding, and stand to lose a significant amount of money as a result of the bank 's error. 

I have asked repeatedly over the last few days to be connected with a manager and have been directed in circles between different people and departments and have not been able to speak to one. 

I missed a full day of work trying to resolve this
Consumer complaint received 2023-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates (CA)

Background, I had a small business telephone account with XXXX XXXX XXXX. I had XXXX XXXX XXXX XXXX XXXX on the account. Account number is ( was ) XXXX. Subsequent to my XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I cancelled the service with XXXX XXXX XXXX that same XXXX. 
In XX/XX/XXXX, I received a bill from XXXX XXXX XXXX. I called and after more than XXXX XXXX mostly on hold, it was discovered that the phone service stopped but the XXXX service continued, including the service on my XXXX XXXX XXXX 
I was told that it was corrected, and they apologized. 
Then in May I received another bill, the same amount {$71.00}. I called again. The same thing, mostly on hold this time for more than XXXX XXXXXXXX XXXX and transferred around to many different individuals. Same result, Iwas assured that it was corrected, and they apologized. I never received written confirmation to the adjustment or corrections that were made for any of the time I spent on the phone with XXXX XXXX XXXX personnel. 
XXXX XXXX, I received a notice in the mail from Prince Parker & Associates XXXX Inc a debt collection agency. The reference # XXXX dated XX/XX/XXXX. 
I called the number to dispute the charge. The person related they do not have any of the records from XXXX XXXX XXXX and could not address the dispute. I was then told " just pay the {$71.00}, it is a such a small amount and not waste any more time trying to make it go away ''. 
I can only say that in good conscience, I tried to handle this matter properly. And it is true that after the many hours I have spent, worth far more that the {$71.00} it seems foolish. But I did my best to amicably end the partnership with XXXX XXXX XXXX. Shame on XXXX XXXX XXXX for continuing to remind me of the grief we have. 
Each time I have contacted XXXX XXXX XXXX  and after the conclusion of each of the numerous contacts with the tens of XXXX XXXX XXXX XXXX, I was asked if I would leave a positive response to the service provided. I am sure, if the right people know how matters such as mine are being handled at XXXX XXXX XXXX they would address it and at the least would certainly follow up with written confirmation of handling matters instead of things coming to this. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is not an error. I am sending my formal notice that this information is a result of identity theft. All this information has been reported to the FTC and is currently under investigation. Please delete these fraudulent inquiries.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

As of XX/XX/24 there is inaccurate information reporting to Transunion, XXXX, and XXXX. My name identifiers are missing and inaccurate across all three reports. The law prohibits the reporting of information that is inaccurate. There are numerous accounts across the credit reports showing these inaccuracies.
Consumer complaint received 2019-09-29
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. (GA)

I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX - XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

My two student loans were consolidated under XXXX XXXX XXXX in XXXX of XXXX at a combined total of {$41000.00}. Several times I inquired about how payments are applied and my balance. At XXXX point, XXXX XXXX, XXXX, I had paid a total of $ XXXX.Of this amount, {$230.00} has applied to late fees, {$15000.00} has applied to interest and the remainder of {$2600.00} has applied to the principal balance of the loan bringing it down the balance only {$39000.00}. Incredible, so after 7 years at that point, I'd only paid off less than {$3000.00} of the principal. Doesn't add up. 

I inquired about extra payments I made and received this statement, " We are unable to apply funds to the principal balance unless the late fees and the unpaid interest is satisfied. Therefore, if you are making extra payments or payments above and beyond the minimum monthly payment we can not designate for those funds to be applied directly to principal unless the above information has been satisfied. '' Very confusing statement as if I do not have any late fees or unpaid interest after making payment, anything extra should go directly towards the principal. I made extra payments often. Never the case. Most late fees came from issues with the site and payment processing. 

In XXXX XXXX, my loans were transferred to Navient by XXXX. I'm having a similar issue with payment calculations. As of today according to Navient, XX/XX/XXXX, I still owe {$44000.00} over the next 13 years until XXXX on top of nearly the $ 25,000+ I've paid between XXXX and Navient. To add insult to injury, Navient marked my first two payments late even though I was never notified of the due dates or anything of that after they were transferred. I received an email stating I'd receive information and the next communication I received was an overdue notice. 

This is unacceptable and unfair to the consumer because there is little we can do to rectify the situation. It doesn't take a genius to see what's happening as payments are applied in a fashion to keep the consumer in debt.
Consumer complaint received 2018-12-17
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. (GA)

I submitted disputes to the credit bureaus XX/XX/2018 I have not received responses as of this day. If they were sent please resend. This violates the CFPB regulations.
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (MD)

XX/XX/XXXX PHH Mortgage report both me and my wife delinquent for the month of XX/XX/XXXX. I reached out to them and asked that they issue a retraction to all 30 major credit reporting agencies. 

On XX/XX/XXXX I received an email from XXXX stating that they have completed their investigation and sided with PHH based on their recommendation not to change the status.. I tried to explain that the month of XX/XX/XXXX isn't completed and that they can not stated that I am 30 days delinquent. I was then told that there's nothing more I can do. 

PHH is a subsidiary of Ocwen Financial. They have been previously sued for this same XXXX XXXX demand letters.
Consumer complaint received 2019-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

MY MOM HAD PUT A CHECK INTO MY ACCOUNT AND I DIDNT KNOW UNTIL THE BANK CALLED ME AND TOLD ME THAT THE CHECK WAS NOT REAL SO I ASKED THE BANK WHAT SHOULD I TEY TOLD ME TO FILE A POLICE REPORT AND I SHOULD BE FINE AND THATS WHAT I DID AND THAT WAS NOT TRUE THE CLOSED MY ACCOUNT AND THEY REPORTED IT TO EARLY WARNINGS SYSTEMS I GOT LIED TOT HE WHOLE WAY AROUND
Consumer complaint received 2019-09-29
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. (GA)

I was shocked when I reviewed my credit report and found a late payment on the dates below : XX/XX/2019 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I called and was told that I didn't have a balance on my account so I'm not sure how this late payment could have been recorded. 


COMPANY INFORMATION XXXX ACCOUNT NUMBER XXXX****
Consumer complaint received 2019-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (AZ)

After the banking crisis of XX/XX/XXXX thru XX/XX/XXXX, we were foreclosed on our home and getting ready to be sued by many credit card creditors. We advised them all that we would be forced to leave our home and file bankruptcy. Each of the creditors on our credit cards wrote the debt off in charge-offs to use their term including XXXX, Citibank, and XXXX XXXX. By cashing in 401K 's and other retirement investments, we were able to save our home from bankruptcy. In XX/XX/XXXX, we qualified for re-fi under HARP.

In XX/XX/XXXX, we received a letter from XXXX XXXX XXXX out of XXXX, AZ they were hired by a debt collection firm, XXXX XXXX from Ohio to collect debt from the charge-off to Citibank. Apparently, they assumed we knew what they were talking about but in the meantime, we were sued in XXXX County Courts to discharge a debt of approx. {$750.00} which ballooned to {$2500.00} plus costs to discharge this lien. We got a letter from our bank XXXX, my wife 's earnings were going to be garnisheed for this debt. In the next 2-3 years, we scrimped and saved and paid off this debt. On XX/XX/XXXX a release of lien was recorded stating this debt was completely satisfied. I do not know the total we paid but it was more than {$2500.00}. 
Since last year, we stated getting calls to call their office over a debt not paid by us and we should call immediately or legal action may be taken against. These folks have called me daily minimum and usually 3 or 4 times a day. In the duration, we were called as early as XXXX XXXX plus later than XXXX XXXX. On one of the first calls taken, I asked the source of the debt hey we calling on and they explained it was the same Citi-Bank card paid off in XX/XX/XXXX. I told the person we paid that card off in full on XX/XX/XXXX and offered to send them a copy of the filing but they took only the Case file # XXXX but they told me it was not necessary to send to them. They asked how much I paid around {$4400.00} in the balance owed plus fees The calls have never stopped and became onerous.