davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-18
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (TX)

On XX/XX/19 XXXX aka XXXX XXXX XXXX called a relative and asked for me. This company has never tried contacting me first. My mother stated the name of the person was " XXXX '', she blocked them and advised me of the call. I tried contacting them same day, some answering machine came on. Fast forward to XX/XX/19, I receive a call at my job ( where they don't have permission to call ) from a woman named XXXX XXXX on behalf of XXXX. XXXX stated that she was going to attempt to connect with with their " lawyers '' but the lawyer was " busy '', she then basically stated that they ( XXXX ) are threatening to sue me for a debt I allegedly owe. I asked her what the debt was and why she was contacting me and not XXXX, she then stated that they were hired to process the paperwork. I then stated at that time to send whatever they needed to, to my home address. XXXX then stated she would have we served at my home address and hung up. Today on XX/XX/19 I get another call from them at XXXX am CST. This alleged debt has never been verified from this company stating they're going to sue me. Please advise them to have the ORIGINAL CREDITOR send verification of debt to the address they have on file and to have XXXX stop harassing me on my work phone!
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

To Whom It May Concern, I need assistance from your agency in order to help me with Chexsystems and the reporting that they do. I have been disputing a lot of inquiries, addresses and phone numbers. These issues need to be resolved correctly with their removal and they shouldn't continue to reappear. These items that I have listed needs to be removed : XXXX XXXX XXXX XXXX, NJ XXXX - is not my correct address -Remove ( XXXX ) XXXX is not my phone number XXXXremove ( XXXX ) XXXX is not my phone number - remove ( XXXX ) XXXX is not my phone number - remove ( XXXX ) XXXX is not my phone number - remove ( XXXX ) XXXX is not my phone number - remove Inquiries - Disputing as I did not give the financial institutions permission to pull my report : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  -5/15/2020 Thank you
Consumer complaint received 2019-04-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

we got approved for a trial modification in XX/XX/XXXX for XXXX -XXXX- & XXXX XXXX we made all 3 payments by XXXX XXXX   and they kept XXXX payment in the unapplied funds never applied to our last trial payment so there for they said we defaulted! then we were told it will be fixed and we will resume with our modification! they lied XXXX XXXX payment was just applied on XX/XX/XXXX to our old amount! now they want to foreclose on us! they committed fraud and lied to us! help please
Consumer complaint received 2019-04-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (FL)

As of XX/XX/2019, I, XXXX XXXX, received false information from XXXX XXXX   XXXX/Compliance Admin CWF through the CFPB portal response from previous complaint XXXX. She stated that she sent a Validation letter in response admitting that she received it on XX/XX/19. I have yet to receive any documentation from her office. Also, the date noted above show that it is past the 30 day time period which may be another violation. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given her way more than 30 days to remedy the situation, which is a very reasonable period. I have received no reply from her, though I did send confirmation via certified mail # XXXX XXXX XXXX XXXX XXXX that her office did receive my letter on XX/XX/2019 at XXXX XXXX. As of XX/XX/19 the agency, has failed to respond in a timely and a 30-day non-response letter will be sent. 
Secondly, even if she may have sent a request to deletion of the tradelines from all credit reporting agencies pending investigation, by law she would have to respond to the consumer which is me, XXXX XXXX, and have yet to received any of this documentation as well. 

Because I have not received any validation letter as she misstated, the agency may be in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from her agency by filing a claim in small claims court. I intend to follow up if I do not hear back from you within 15 days. 

If possible can she please explain the reason as to why she stated she sent a validation letter when in fact she did not.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please correct the information on my credit report Im not late on this account open sky. This account is closed. Please update everything and a positive way there a derogatory late marks on my credit report that should not be the ones in the green. You can just leave them if does does not reply once some accounts disregarded for each company, please update my statuses to green to paid. Thank you. The information thats is negative is not accurate.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I am really new at all this credit stuff but I am going through a really bad divorce. I am almost certain that account have been opened in my name the I never filled out application for credit. I never to freeze my credit files until I can go over what is and is not mine. The following addresses are not correct and do not belong to me possibly my soon to be Ex-husband. I an not associated with the addresses below. My only address is XXXX XXXX XXXX, XXXX OH XXXX. Please delete the following fraudulent addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2019-04-18
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. (NC)

The credit reporting agencies sent a response. The agencies wanted information that the XXXX County Sheriff or XXXX XXXX Police do not remember. I will be sending a copy of my divers license. This was an international incident and XXXX should have all information concerning the problem that was theft but may not have been ID theft even though my card was used in an illegal transaction. However, this information that was placed on my report has cause more harm as long as it is on my report. The reporting companies need to know if the information is true before placing negative marks on my credit report. Because it is in good standing does not make mark or information mine.
Consumer complaint received 2019-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (FL)

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XXXX to XX/XX/2017. 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 2020-06-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I filled out an online application through Bank of America for a Home Equity Line of Credit. At no point in the process does it stipulate that they have changed their policy. Their new policy requires Bank of America to be the first lien holder in order to apply for a Home Equity Line of Credit. 

I went through the entire application and BoA made a hard pull against my credit for no reason. If they had listed that information anywhere on their site, I obviously wouldn't have completed the application and had them do a hard pull against my credit. 

No feedback was given aside from information stating the application was denied. I had to call into their support line to talk to someone who explained the reason the application was denied.
Consumer complaint received 2019-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

My checking account with TD Bank in XXXX XXXX, FL had a fraud withdraw with a branch in XXXX, NY. They issued a {$1300.00} withdraw with a fake " out of state '' drivers license without asking for a second ID. I reported the incident in less than 48 hours when reviewing my account online. We sent a signed fraud application and police report ( claim number ) from the local branch to the TD Bank fraud department and was informed the process would take 10 business days. I called the TD Bank fraud department today, 12 business days later for an update and they could not provide any updated information nor the assigned investigator for this claim.
Consumer complaint received 2019-02-06
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NE)

We took out a loan in XX/XX/2006 with Beneficial Financial in the amount of {$10000.00}. We were paying on the loan and they went under. We received paperwork in the mail stating that they were in a lawsuit we were owed back money and no longer paying on the loan. Fast forward 12-13 years and we are selling our house. To our surprise, we have a lien on our house. This company is out of business and we have NO way of getting in touch with them. No letters stating our loan was transferred, no other debt collection process happened. 

Reconveyance of the Deed of Trust, dated XX/XX/2006, filed XX/XX/2006, in Instrument No. XXXX, to XXXX XXXX XXXX XXXX   XXXX, Trustee and Beneficial XXXX XXXX XXXX, Beneficiary, stating that it secures a debt in the principal amount of {$24000.00}. 

PLEASE HELP?! We would like to rectify this by either paying what is due ( if there is anthying small ) and getting a release of mortgage.
Consumer complaint received 2019-04-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TSC Accounts Receivable Solutions (CA)

RE : Intent to file lawsuit, HIPAA Privacy Violation Please be advised I have requested validation { not verification } of an item reported to credit bureaus by TSC A/R solutions. I have received a response that clearly violates my rights according to HIPAA.

TSC A/R Solutions did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against TSC A/R solutions should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureaus responsible for reporting this violation.
Consumer complaint received 2019-04-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Management Control, Inc. (WI)

I moved out of a apartment complex in XXXX of 2013, giving the manager there a 60 day notice. The apartment complex had numerous managers in the short time I lived there, so I have no idea if the manager at the time got my notice or if it was the same manager 2 months later. I moved out in the begining of XX/XX/2013. My girlfriend and I cleaned the apartment very well, in fact while I was waiting at the new apartment for people to come with our things, she finished up cleaning and vacuuming and made sure the apartment was in good shape. Five months later I get contacted by collection agency that I owe {$2700.00} for unpaid rent and cleanup of old apartment. I was floored. Talked to both the real estate company and collection agency to no avail. Thought by now they would give up. A couple of things here. One, this debt is untrue and so old that I have no idea why it is still be sought by them. Secondly, since this time I am on Social Security XXXX and can not work. There is no way I can ever pay this amount even in small payments I can hardly make it as it is.
Consumer complaint received 2023-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC (CT)

Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.It has been more than 7 months and I have never been given any information of the results of my request. I dont recall informations and I have never given permissiion to furnish any of the details on this account information. Account information disputed by consumer, meets FCRA requirements. I am requesting that this accounts referenced to the attached letters be removed from my credit report as soon as possible.
Consumer complaint received 2019-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

Good Morning, I know there is a lawsuit against Navient. I graduated from XXXX ( XXXX  XXXX-XXXX XXXX  ), XXXX XXXX College ( XXXX-XXXX  ), and XXXX University ( XXXX in XXXX XXXX  ). I have served over ten years in XXXX XXXX XXXX XXXX XXXX XXXX, and I am being denied the {$18000.00} loan forgiveness because I had to combine my loans because I could not afford XXXX per month student loan payments. I have also been rejected for XXXX loan forgiveness ( I worked as a XXXX XXXX XXXX, etc. ), as well as public employee loan forgiveness. I am being denied three types of loan forgiveness programs because I had to combine my loans to ensure that I did not default on those loans because I would not be able to afford to pay them and was being a responsible adult. 

I upload all the documentation from Senator XXXX XXXX reply as well as the XXXX XXXX loan forgiveness denial letter from Sallie Mae. Sallie Mae transferred my loans to Navient. I now work at the XXXX XXXX XXXX XXXX in XXXX, New York which is another XXXX XXXX XXXX working with XXXX XXXX XXXX
Consumer complaint received 2019-04-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I called to close my checking account on XX/XX/XXXX. I was told I would receive a check in the mail. I had not received the check so I called to follow up on XX/XX/XXXX. I was advised by the representative to call back on XX/XX/XXXX to reissue if I did not receive over the weekend. I called back XX/XX/XXXX to request reissue, which was granted. I had not received anything by XX/XX/XXXX, so I called again to inquire. I was told that I should receive by XX/XX/XXXX, and that the bank did not receive anything back from the post office, so the issue is likely with the delivery. I checked with the post office and they have not received anything. Also to note, I have never had issues with any mail correspondence for this address. 

I was advised that if I don't receive by XX/XX/XXXX that another check will be mailed, which concerns me because something clearly isn't working in that process.
Consumer complaint received 2023-02-24
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

On XXXX XXXX, 2019 I logged into my EXPERIAN account to unlock my 800+ credit report so I could complete a home improvement purchase. When I got into my account and clicked on unlock report, it did unlock, and then I saw there was a FREEZE on it also. I do not understand what or why that was there. Then I tried to UNfreeze my report and when it asked me for a pin # which I could not find and when I clicked I did not have it, the page said I need to WRITE by MAIL to them to unfreeze. That is and will be unacceptable to me. Again I had a business transaction going in my home and this outfit is " holding me up ''. I then tried to call a real human to get assistance and I tried a couple of numbers and got an identical robo voice with no assistance. The next day I tried to login and wow, I would use my username and password and get onto their site and the only page that would show was one wanting my credit card for {$19.00} a month. 
That made me contact you. Now I feel as thought I am being EXTORTED for money to unfreeze my report. And, please recall that these LOCKs etc. were suggested by these credit outfits because they got hacked and released personal information. What I want is my report unfrozen and to never have this happen to anyone else again. Please fix!
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (CA)

I am unaware of this debt I did not have the opportunity to dispute this debt I did not receive proper notification if in fact you believe i received proper notification please send me the certified mail with the receipt with my signature on it stating that I received it.
Consumer complaint received 2019-04-18
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Performant Financial Corporation (IL)

After resigning from a college sorority, XXXX XXXX XXXX at XXXX State University, the sorority notified me of {$2300.00} in penalties for events such as social receptions they say I missed without notification, which was untrue and I never agreed to pay. XXXX XXXX of XXXX, IN started contacting me. I sent the attached letter on XX/XX/XXXX demanding proof that I had agreed to pay, which they never sent, along with a notice to stop contacting me by phone. The XXXX tracking confirmation is attached.

XXXX XXXX has continued attempt to contact me by phone. The first call after my certified letter notification not to contact me came on XX/XX/XXXX and has continued.
Consumer complaint received 2024-03-02
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. (GA)

Companys are misusing my credit report without my consent I believe they r stealing my information and selling to others I need theses items dispute and remove totally off my credit report under false information without any proof provided by me thats was unauthorized by me Like inquirys and any debt collections XXXX XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX
Consumer complaint received 2023-09-11
Product: Credit reporting 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: Experian Information Solutions Inc. (ME)

I applied for a Mortgage back in early XX/XX/2023, was given an approval, the Pre-Approval letter expired XX/XX/2023. The offer I had made back in XXXX on the house was accepted XX/XX/2023. When my mortgage broker pulled my Credit Scores, Experian did not have a score for me. They lost my car loan. I have called them several times since then, and my loan officer on the car loan called them. As of XX/XX/2023, I still am not showing a credit score with Experian
Consumer complaint received 2020-12-23
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: CITIBANK, N.A. (NJ)

I discovered a hard credit inquiry on my XXXX  credit report on XX/XX/2020 during a routine check with my credit consultant. On XX/XX/XXXX there was a request for my personal credit profile. I then called the headquarters of CBNA to speak to a agent to discuss the matter, it was stated to me that there was no information to provide me with that proves a application request for credit.
Consumer complaint received 2024-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX, XXXX XXXX XXXX : {$540.00} XXXX XXXX XXXX  Balance : {$340.00} XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX Balance : {$0.00}