davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-18
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CASHCALL, INC. (KY)

I took out an outrageous high interest loan with Cash Call Online to get into a home so my family was no longer homeless. I was making regular payments ... .so much so that at XXXX point I should have been done with the loan. The loan was at some point sold to another company XXXX XXXX XXXX XXXX. The times the loan started coming out of my account started changing which effected other bills. Between that and another bill ( furnace was n't working properly which shot up electric bill ) I ended up losing the place I was renting. The new company contacted me about signing new documents and getting payments taken out of bank. I tried to explain to them I should have more than paid but their records were n't showing that and he just needed me to electronically sign these papers. I asked him to mail them because I did n't have access to internet any longer and expained the payments were still coming out of my account. Never heard another word from them. But the payments kept messing up my bank account and severely over drawing it. The bank manager suggested I put a Block on the next payment and then close the account. Which I did ... .The new company miraculously called asking where their payments were. I explained that they should be done, what was going on, including losing residence and overdrawn account. He said their was nothing they could do that I needed to sign those papers and set up payments or they would report to Credit Bureau and or take me to court. I heard nothing more from them and stopped receiving email correspondence until today. XXXX Out of no where a lady from a XXXX number calls and starts in on me about a loan I took out that I need to pay over XXXX from XXXX XXXX. ( Mind you I am at a completely different address, with a different phone number that is not under my name, neither of which I gave them due to not having a way to contact them. They do n't provide numbers to call ... they just call you from random numbers or send emails. ) I try to explain to her I 've never even heard of that company and she returns with fact they were once named Cash Call. So I listen. She offers a settlement of XXXX but tells me I have to give her credit card or debit card info to have it drawn out Friday to secure the offer with them. Everything sounding so fishy I just told her I did n't have my card on me that she would need to call back. I 've been doing my research. I am not the only XXXX going through this nightmare. I am afraid to just give my info over the phone to them, especially after all I have lost already. I need help/advice how to proceed without losing even more. Please and Thank you
Consumer complaint received 2016-08-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AVANTE (FL)

This was a workman 's comp case. Under Florida law they can not come after me for a balance owed. Workman 's comp paid them. I contacted Avant about 6 months ago and they were suppose to take this off my credit report.
Consumer complaint received 2022-03-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update this completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XX/XX/2018 I called and sent Transunion and XXXX to remove accounts that I did not apply for with was XXXX, XXXX and XXXX. I spoke with a US Rep XXXX was handling my request. In the midst of our phone call, as she was confirming these account that needed to be removed, the call was disconnected. I called back and waited 20 minutes to get another US Rep on the phone I sent out an affidavit and it was notarized with these accounts on there. This time a spoke with a young Man and I explained to him what happened and how the first US Rep was looking into these account and they was about to do dispute. He told me that he couldn't help me because these account was verified and they was mines. I told him that I sent an affidavit in to validate this information with XXXX, XXXX and XXXX and to provide me with copies of any documentation associated with this account bearing my signature. He told me that they investigation these accounts and they are mines and he can not help me anymore. I have these three accounts on my credit that need to be off my report because Transunion did not do they Job and the US Rep di not help me at all. Couple of Days later I received a credit report from Transunion and they stated on there that these account was verified and I know these accounts wasn't verified because they did not sent any of the information that I requested from them. I did not apply for none of these account. I am just asking them to send me proof of what I asked them to.
Consumer complaint received 2019-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (SC)

My mortgage ( SPS account XXXX ) was transferred from XXXX XXXX to SPS Servicing. For years, my mortgage has been withdrawn on the XXXX of the month. SPS sent me about a dozen notices- too many in my opinion because it just confuses information that should be given succinctly in one- saying that my ACH would continue. I called to verify that my ACH would continue and was told it would. SPS withdrew my payment on the XXXX instead of the XXXX. This caused undue financial hardship for me, since I was not expecting a large payment to come out of my bank account on the XXXX. 
When I called SPS to rectify the situation, XXXX XXXX said I could change it but that SPS took it out on the same day as the prior servicer. That is not true, and although I had my bank data, she did not care. How many mortgages are pushed forward like this by SPS trying to get better cash flow? Thank you.
Consumer complaint received 2018-06-19
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (TX)

I have already disputed this debt direct with XXXX XXXX XXXX, for over 18 months on multiple occasions with several different debt collectors they have even collected {$1500.00} in good faith payments without validating the debt through one of 6 collection agency they have transferred the information to and each time I  request validation I receive the same 3 forms with incomplete information from what was requested and when I respond that the information is insufficient to validate the debt, it gets transferred to another agency. 

Attached are only a few of the letters that I have submitted to different collection agencies employed by XXXX and at time it had been multiple agencies attempting to collect the exact same debt at the same time. I feel harassed and so does my alleged cosigner as he receives the same calls and letters, this needs to be removed from collections as they can not and have not proven that this is a valid debt that they own despite multiple attempts to validate and offers to settle this debt.
Consumer complaint received 2017-03-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation (FL)

This claim regards labwork that was covered 100 % by XXXX.I sent in an appeal to XXXX. I did not find out about this balance until XX/XX/2016. I immeditaely addressed this by sending un an appeal.I contacte myXXXX XXXX office and requestsed that they submit a corrected addendum if XXXX codes to correct this bill by XXXX. I am still wainting on a response. XXXX covers all pre-screening and preventative lab work. I am not responsible. Please remove from collections. Thank you XXXX
Consumer complaint received 2016-06-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc. (FL)

Live in apartment complex " XXXX XXXX '' for close to 7 years. Payments for rent always on time however, it was an unsafe living situation, Report made o housing authority for leaking roof and rampant growing mold. Had just XXXX and management continued to refuse to fix mold problem. Had to move due to health issues. Now the apartment complex is still charging {$1800.00} for broken lease.
Consumer complaint received 2023-03-14
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. (MI)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 

I have a public record from your court appearing on my credit report. Ive disputed the item with the credit bureaus XXXX, Equifax, and XXXX all of which confirmed that the public record was verified by you. Please provide the procedure in which you verify records with the credit bureaus. 

XXXX. XXXX  XXXX Bankruptcy Im not sure what Legal Authority you have to disclose this. When I contacted the court, I was notified that they do not check, verify, furnish, allow, or share any public information with you. Youll need first- hand knowledge because theyre the primary creditor! Remove the report and update it with a new one. 

I have previously disputed this item with you XXXX XXXX Bankruptcy case and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter, therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Specialized Loan Servicing Holdings LLC (CA)

-- -- - XXXX, XXXX, XX/XX/2020 Payment Histories Missing On My Credit Report -- -- Specialized Loan Servicing ( SLS ) has made the mistake to put my account under forbearance in XXXX 2020, without my authorization or knowledge ( As a matter of fact, I have automatic payment setup. In each month 's XXXX, the monthly mortgage was paid in full ). 

I have noticed this issue ( my account was marked as " forbearance '' ) in XX/XX/2020 on my credit report ( when I tried to get a new home loan from another new bank ), I have contacted them immediately and asked them to fix this error and provide me a letter ( details please see below asks ). The " forbearance '' issue itself seemed to be fixed by now. However, on my credit report, the payment histories for XXXX, XXXX, XX/XX/2020 were all missing. My new bank will not be able to approve my new loan because of these issues of missing payment histories. 

I have contacted Specialized Loan Servicing more than 20 times since XX/XX/XXXX by phone to ask SLS to do 2 things : ( 1 ) report my XXXX, XXXX, XX/XX/2020 payment histories to XXXX, XXXX, XXXX  to fix the missing data issue. 

( 2 ) Provide me a letter with shows my account has never been under forbearance and my payment histories for all past 12 months.

However, after waiting for more than 3 weeks, and countless emails / phone calls / talks with multiple supervisors, I have not been able to get either one of the above 2 things.

Without this issue fixed, My new bank can not process my new loan application, therefore I will need SLS 's help immediately to get this fixed.
Consumer complaint received 2024-03-05
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. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure the accuracy Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

In XXXX there was a wire transfer from my bank to a XXXX XXXX that was not authorized by myself. Scammers hacked into my account. I contacted my bank to stop the wire transfer, it did not happen. Filed a complaint with my bank they denied my claim. Claim # XXXX
Consumer complaint received 2020-11-07
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. (FL)

IVE ATTACHED XXXX PAYMENT HISTORYS FOR ACCOUNTS THAT WERE CLOSED/CHARGED OFF BY XXXX. THESE ACCOUNTS HAVE CAUSED A SNOW-BALL CATASTROPHIC PLUNGE TO MY SCORE OF XXXX! MY ATTACHED CREDIT PAYMENT HISTORY WILL CLEARLY DEMONSTRATE HEALTHLY CONSUMER ACTIVITY PRIOR/LEADING TO THE 2020 PANDEMIC. MY UNUSUAL PAYMENT ACTIVITY IS SOLELY DUE TO COVID 'S PANDEMIC IN WHICH I'VE STRESSED TO XXXX. IM LABLED AS A HIGH-RISK CONSUMER WHICH IS INCORRECT & FALSE. XXXX UNWILLINGNESS TO TAKE THE TIME TO PHYSICALLY REVIEW MY CREDIT HISTORY INORDER TO MAKE AN ACCURATE AND SOUND CREDIT DECISION PER REQUEST HAS LEFT ME CONFUSED THIS ENTIRE YEAR. HAS CAUSED A BIGGER ISSUE IN REGARDS TO MY CREDIT SCORE. I NEVER KNEW XXXX CREDIT SCORES WERE EVEN POSSIBLE! XXXX CONSUMER REPORTING IN 2020 HAS MISREPRESENTED MY TRUE CONSUMER IDENTITY. I UNDERSTAND FINANCIAL INSTITUTIONS HAVE RULES AND GUIDELINES. I TAKE FULL FINANCIAL RESPONSIBILITY FOR MY ACTIONS. I'M LEFT CONFUSED, NOT ONE XXXX REP TOOK THE TIME TO LOOK INTO MY CREDIT HISTORY TO ACCURATELY GAIN A BETTER UNDERSTANDING & PERSPECTIVE ON WHO I AM AS A XXXX VETERAN CONSUMER. POSITIVE REPORTING CLEARLY DISPLAYED IN MY CONSUMER CREDIT REPORT PRIOR TO 2020. IVE INFORMED XXXX OF MY HARDSHIP '' AT LEAST 6 TIMES A MONTH. BUT IM CONSTANTLY DENIED ASSISTANCE DO TO " NOT QUALIFIED '' TO RECIEVE NOR PARTICIPATE IN ANY XXXX AID RELIEF PROGRAMS. BUT, REP REQUEST PAYMENT FOR PAST DUE ACCOUNT. C'MON. MY ENTIRE CREDIT HISTORY HAS BEEN DESTROYED ALL IN 10 MONTHS. ECONOMY DOWN ( SLOWLY PICKING BACK UP NOW ), ZERO AID RELIEF THIS ENTIRE PANDEMIC, WIPED OUT CHECKING & SAVING TO SUPPORT MY XXXX KIDS AS A SINGLE DAD. I COULD CARE LESS ABOUT MY CHECKINGS ANDS SAVINGS ACCT. ITS MY CREDIT I TAKE PRIDE IN. WITH A CURRENT XXXX CREDIT SCORE, THATS AN INACCURATE AND COMPLETE MISREPRESENTATION OF MY TRUE CONSUMER ID. ALSO, LENDERS REFUSE TO GRANT ANY FINANCIAL REQUEST. MY XXXX TODDLERS AND I HAVE BEEN THROUGH LIFE CHANGING EVENTS AND SEVERELY PENALIZED DUE TO CONSUMER REPORTING INACCURACIES. I'VE PLEADED WITH XXXX, PLEASE BASE ANY/ALL CREDIT DECISIONS PRIOR TO 2020 WHICH WAS DISREGARDED. AND CONSEQUENTLY, I NOW HAVE " ZERO '' RESOURCES DUE TO INACCURACIES LISTED ON 2020 CREDIT REPORT. AS A XXXX XXXX XXXX VET BATTLING MENTAL HEALTH, AND 11 GOOD YRS BANKING WITH XXXX. WOULD HAVE NEVER IMAGINE XXXX WOULD CLOSE THERE DOORS ON ME AND MY FAMILY DURING NATIONAL DISASTER
Consumer complaint received 2023-03-14
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. 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. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (IL)

I had this account back in 2014 and it was closed but it still reflexing my late payments on my XXXX, XXXX, XXXX  report. This shell card was used onced. And i fell on hard times financial. This late payment is over 6 years old, can we please remove it, i'm trying to qualify for a home for my family. Thank you
Consumer complaint received 2020-11-10
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America deducted {$230.00} from my California XXXX card on XXXX XXXX. I contacted the bank and that's when the lies started. I called the bank at least 3 times a week and was told its Ca XXXX who took the money, when all along Bank of America took the funds. Ever associate told me the same lie. One even gave me a couple so called confirmation numbers of the transaction between the XXXX and Bank of America/debit card. All the while this is a lie. Finally a " supervisor '' told me i had to talk with claims. So for another 10 days i would call and eventually put on hold. Shortest tine i waited was 3 hours 45 minutes. TWICE a day. Finally XXXX XXXX 2020 i got through to claims. She was rude and treated me/it like it was a fraud charge i was trying to pull off. Told me i would have to wait 10 business days. I shouldn't have to wait at all. Bank of America took my money so why do i have to wait for any investigation? Ive lost my cell phone because i couldn't pay the bill. I can't pay my full rent amount yet so eviction is looming. I would appreciate bring 4 treated with some respect by bank of America and compensated for my lost cell service and rent late fees. Thank you
Consumer complaint received 2020-11-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (MD)

I am the victim of a scam using XXXX. I contacted navy federal who I used XXXX to send the money to what ended up being a scam. I have a phone log with the representative of the company. Once the {$1000.00} was sent the scammer was gone and the phone calls and emails went unanswered. XXXX said there is nothing they can do although they are aware of these types of scams. The representative gave me his name email and phone number. I felt comfortable because I thought it was backed by my bank and in the banks app. Neither Navy Federal or XXXX offer any protection. Banks are not doing anything to help victims of these scams. I was trying to purchase a dog for my son. Please help me!
Consumer complaint received 2019-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MD)

XXXX XXXX XXXX reported me 30 days late for XXXX and XXXX. I had made payment arrangements with them for hardship to take money from checking account. Because of this my score dropped 40 points. They assured me this will not happen. That is why I made the payments arrangements. They have me on a 12 month payment plan. They need to update all 3 reports and take the delinquent status off!!!
Consumer complaint received 2019-06-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (MA)

General revenue services has been harassing me since XXXX. Two to 5 phone calls per day Monday through Saturday. 
Previously mentioned wage garnishment. 
I don't owe this debt- it has since been removed from my credit. 
Calls and sends letters to my father on the other side of the country. 
Has recently started calling my work- notably XXXX XXXX from the company. 
Their phone is XXXX XXXX XXXX, but they call from other numbers from local numbers and non-local.
Consumer complaint received 2018-04-22
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. (KS)

I just speeded both of this with Equifax as well as XXXX   they're showing for folio management company that is still as I open collection amount with a XXXX balance I've requested them to remove it because it was paid in full and satisfied now they're telling me that the company responded back saying this company this is a correct amount and it will stay in your credit report if it's paid in full and no longer active it should no longer be reported on my credit to hurt my credit in order to obtain other items cuz it's showing as an open collection or if it shows other clothes collection is still needs to be removed from my collection credit report for both XXXX and Equifax
Consumer complaint received 2019-04-22
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. (CA)

ten student loans from ( US DEPT OF EDU ) are reporting under my equifax credit reprt, i have been disputing for the longest tim e, i keep telling them these are not mine, and they are not helpful, the student loan belong to someone else, but not mine, i will be attaching my police report and the FTC report that i had provided equifax as well, please have them remove these inaccurate and fraud accounts from my credit file thank you for your help XXXX