davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CT)

Midland Credit Management is saying I owe XXXX for a old XXXX XXXX account from XXXX. This debt was bought in XXXX by Asset Acceptance and went though the court system. It was paid in XXXX and the court issued a " Satisfaction of Judgment '' on XX/XX/XXXX. I've called Midland 3 times and was transferred to multiple associates and told to call back to speak with other departments. I will be mailing them a copy of the judgement even though I shouldn't have to do this but this is still Midland coming after me a debt that is not owed.
Consumer complaint received 2022-07-09
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
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: EQUIFAX, INC. (MD)

I have previously disputed XXXX  XXXX through CFPB Account # XXXX for not reporting on my credit reports as an ( Authorized User ) on Acct # XXXX. XXXX XXXX responded back stating that they have requested Equifax and XXXX to report the account in which they have done BUT STILL ISN'T REPORTING THE CREDIT AGE OF XXXX. I have the right to have the age reported by law in which I am intitled under the FCRA ACT.. 
Equifax XXXX XXXX are " ONLY '' reporting my XXXX XXXX Account & credit age of XXXX. 
XXXX isn't reporting the account AT ALL.. Which was disputed THROUGH AGAIN CFPB # XXXX to add acct # XXXX to my credit report but instead of adding the account it was DELETED during the dispute WHY?. 
XXXX XXXX sent back a letter ON XXXX XXXX stating that they asked XXXX to add my account back as a Authorize User on my credit report which XXXX stated that I was ineligible & refused. 
XXXX XXXX stated that I needed also for the primary card holder to contact them about the account add in which my son XXXX XXXX did and upgraded my permissions. XXXX XXXX stated as well that I would have to contact XXXX and update them on what's going on. 
I then called XXXX about the decision that they stated to XXXX XXXX I spoke with XXXX from the dispute department, reading to her the notification email in which I received from XXXX XXXX about the account add. XXXX stated that the complaint would be expedited to their maintenance department for reinstatement because I never disputed for a removal if you read the dispute. I ONLY asked for an update. I spoke with XXXX on XX/XX/24 she said it will take 3 days for the maintenance department to contact me back on this matter for reinstatement.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I inquired about an apartment on XXXX  on XX/XX/XXXX, that same day i received a text message from a woman named XXXX XXXX through the phone number XXXX, she said she would meet me at XXXX XXXX the next day, i included the text message in the attachments. she asked me to check my credit score through 2 different websites which i did, XXXX, it also has an app attached to it named XXXX, i checked my credit score and took a screen shot of the score, my name, birthdate and current address. She also asked me to use the website transunion.com to check my score, i did and i screen shotted my credit score. I went to the residence the next morning XX/XX/XXXX, she did not show up, i called the number on the rental building, a man answered and said that apartment had already been rented and that i had been scammed. i called the police and they told me to reach out to this website. i contacted transunion.com, they told me to lock my credit account, i could not reach XXXX, they are unavailable on sundays. i attached text messages, and the XXXX ad.
Consumer complaint received 2022-07-09
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX, DEPT OF ED/XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX XXXX  Account # XXXX, U.S. DEPARTMENT OF EDUCATION Account # XXXX, XXXX Account XXXX XXXX XXXX, US DEPARTMENT OF EDUCATION Account # XXXX  XXXX, US DEPARTMENT OF EDUCATION Account # xxxxxx XXXX, XXXX  Account XXXX XXXX XXXX, XXXX XXXX XXXX Account # xxxxxxxxx XXXX, XXXX XXXX XXXX Account XXXX xxxxxxx XXXX, XXXX XXXX XXXX Account XXXX xxxxxxxx XXXX, XXXX XXXX XXXX Account XXXX xxxxxx XXXX, XXXX XXXX XXXX Account XXXX xxxxxxxx XXXX, DEPT OF EDXXXX  Account XXXX xxxxxx XXXX, DEPT OF EDXXXX Account # xxxx XXXX, DEPT OF ED/XXXX  Account # xxxx XXXX, DEPT OF EDXXXX  Account # xxxxx XXXX, DEPT OF EDXXXX  Account XXXX xxxxx XXXX, XXXX XXXX XXXX Account # xxxxx XXXX, XXXX XXXX XXXX Account # xxxxx XXXX, DEPT OF ED/XXXX Account # XXXX XXXX US DEPT OF EDUCATION Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX & XXXX Account # XXXX, XXXX & XXXX Account # XXXX, XXXX XXXX XXXX/ XXXX  Account # XXXX, DEPT OF ED / XXXX Account # XXXX, DEPT OF ED / XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2019-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

In XXXX my then wife and myself modified our mortgage under the HEMP plan. In XXXX my wife and I were divorced. In the divorce decree I recieved our house. My ex-wife also signed a notorized quit claim dead. In XX/XX/XXXX I modified my mortgage again under my name only. My mortgage provider at the time was the XXXX XXXX XXXX. I signed all agreements and provided a copy of my divorce decree and quit claim deed. My modification was approved in XXXX. I am now coming up on the end of my modification time line ( XXXX of XXXX ). In XX/XX/XXXX I am scheduled to have {$6000.00} dollars applied to my home loan for completng the Hemp program. My current mortgage provider now tells me I will not recieve the {$6000.00} dollars because the ( Dod Frank document ) is only signed by myself and does not include both my ex-wifes signature and mine. I have explained to my current mortgage company Select Portfolio Services that I did the current modification under my own name because I am divorced. The Select portfolio supervisor ( XXXX XXXX ) is telling me they will not pay the {$6000.00} dollars because I must have both signatures on the current Dod Frank form. I have explained to Select Portfolio Services over and over again that I am divorced, the house is mine and I did the modification under my own name. He is saying no matter what I must have both signatures on the current Dod Frank appication or they will not pay the {$6000.00} dollars. I feel this is incorrect and the supervisor XXXX XXXX is refusing to take care of the situation due to him being extremely stubborn.
Consumer complaint received 2018-09-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (ME)

On various dates, I was not given credit for performing the service 's swipes in the app. The app would malfunction, or credit was given for a different day, or no credit was given at all. The app, does not provide a record of these credits for more than the past 7 days, so dates are unavailable. 

Additionally, I was required to do these actions after requesting that my account be closed. Failure to perform these actions in the app results in the forfeiture of a {$1.00} credit each day.
Consumer complaint received 2018-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (LA)

In XX/XX/XXXX I applied for a XXXX XXXX XXXX Credit card through chase bank - I as approved for an {$18000.00} credit limit - I got an activated the card and charged about {$10000.00} on it in XXXX - I made a {$4800.00} payment in XXXX - I also charged a new approx {$4000.00} charge in XXXX - I went to usethe card the other day and it was declined - I called chase bank and was told chase closed the account but they could not disclose the reason to me - now this iis negatively affecting my credit report by having a new account that was closed with a balance on it and also caused me to have to apply for new card at a different bank which also negatively affected my credit score - all payments were up to date and i was never behind nor ever over the limit - in addition I am XXXX  XXXX with XXXX and this will affect that account as well - card number is XXXX
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (IL)

Hi chase did a fraud of XXXX on my account and they dont want to refund me the XXXX and its already been over 2 months and i really need this money that they stole from me
Consumer complaint received 2018-09-04
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. (FL)

I didn't authorize theses company to pull my credit report XXXX XXXX, XXXX, XXXX, XXXX_XXXX   XXXX XXXX, & XXXX card. I have filled numerous grievance about the matter but to no avail. I even send the paperwork to all three ( 3 ) reporting agencies, their reply is that the information reported is correct ; yet when I asked for proof that it's me requesting theses credits they reply it matches my credit filled, so all these inquired into my report has lowered my credit score and the agencies refused to remove theses inquired, even when I submitted the request I sent to theses company to remove their inquires for credit, because I didn't request credit from their companies
Consumer complaint received 2022-07-09
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, DEPT OF ED/XXXX Account # XXXX, XXXX XXXX  XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX, XXXX  Account # XXXX, U.S. DEPARTMENT OF EDUCATION Account # XXXX, XXXX Account XXXX XXXX XXXX, US DEPARTMENT OF EDUCATION Account # xxxxxx XXXX, US DEPARTMENT OF EDUCATION Account # xxxxxx XXXX, XXXX Account XXXX XXXX XXXX, XXXX XXXX XXXX Account # xxxxxxxxx XXXX, XXXX XXXX XXXX  Account XXXX xxxxxxx XXXX, XXXX XXXX XXXX Account XXXX xxxxxxxx XXXX, XXXXXXXX XXXX XXXX Account XXXX xxxxxx XXXX, XXXX XXXX XXXX Account XXXX xxxxxxxx XXXX, DEPT OF ED/XXXX  Account XXXX xxxxxx XXXX, DEPT OF ED/XXXX  Account # xxxx XXXX, DEPT OF EDXXXX  Account # xxxx XXXX, DEPT OF ED/XXXX Account # xxxxx XXXX, DEPT OF ED/XXXX Account XXXX xxxxx XXXX, XXXX XXXX XXXX Account # xxxxx XXXX, XXXX XXXX XXXX Account # xxxxx XXXX, DEPT OF EDXXXX Account # XXXX XXXX US DEPT OF EDUCATION Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX & XXXX Account # XXXX, XXXX & XXXX Account # XXXX, XXXXXXXX XXXX XXXX XXXX Account # XXXX, DEPT OF ED / XXXX Account # XXXX, DEPT OF ED / XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-09-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

While reviewing my statements for securing some pay-off figures with the Lender, Santander Bank, I have just discovered that an annual {$50.00} fee has been added into the balance of the loan principal amount due, thereby increasing the ending balance figure. This inflated balance figure is subject to ongoing interest expense ; which has occurred for the duration of my HELOC account with this Bank. This practice has been happening since the loan rewrite in XX/XX/2014. 

The expense of an annual {$50.00} fee and aggregate interest ( a variable figure ) was rolled into the loan amount, which increased my costs to a non-calculated amount. This increase in interest for the inflated amount has benefited Santander for the past four years.

I have notified Santander, with the intent of paying off one portion of this structured loan, but now the amount due, as shown on their statements, has been inflated by the practice described above.
Consumer complaint received 2024-03-05
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: EQUIFAX, INC. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX Balance : {$690.00} ; XXXX  XXXX Balance : {$8700.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2018-09-04
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. (AZ)

Both my wife and I have student loans which are being handled by Navient. Neither of our loans were being handled by Navient initially, but were purchased after some years, mine about 2 years ago. My previous loan holder was XXXX. What is happening is either misallocation of funds or something worse. When XXXX sold my student loan debt to Navient I had prepaid my balance by over two years ; meaning my due date was not officially for over two years. I was still making my payments, in fact I like to make two equal payments each month to reduce interest and to level out my cash resources as my student loan payment is my largest monthly bill. Upon purchasing my debt, Navient did not grant me the two years prepaid status I had achieved at great sacrifice. When I called Navient upon how I could ask them to give me that prepaid status I was given vague instructions on how to send a letter to someplace I'm not sure even exists, the online form certainly does not exist. I have called the company on multiple occasions so far and each time they " add back '' a couple of months prepaid status. But that status should advance with each full monthly payment I make, but it does not. In four months and with four full monthly payments made, plus an additional amount adding up to at least on extra payment, I have a due date of the end of this month. This even wouldn't be the end of the world, even though having that prepaid status gave me a great deal of relief in these uncertain financial times, but their system will not let me make partial payments if they are not the minimum due! My minimum payment is just under $ XXXX. I like to pay between {$800.00} and {$1000.00} TWICE a month depending upon cashflow. Their system will not let me pay that way if I have a due date of the current month because they say it has to be at least as much as the minimum payment due and their system can not recognize that I am actually usually overpaying by $ XXXX. So not only are my overpayments not continuing to advance my due date. Not having my due date advanced does not allow me to take control of my debt and pay it off the fastest, least interest accrued method available to me. But it does not benefit them for me to pay off my loans quickly and I am getting very sick of spending my time on the phone with a representative who does not have the authority or the know-how to fix my problem and often difficult to understand. The problem is the web site and likely dubious legal practices in allocating my funds that Navient is already being sued for.
Consumer complaint received 2018-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

Credit file dispute with Equifax ( Confirmation # XXXX ) was submitted onXX/XX/2018 in regards to a wrong address listed on my report of XXXX XXXX XXXX XXXX, PA XXXX. Sent all requested information via XXXX on the date of the dispute as requested. I have never resided at this address at any time in my adult life. Received mailed notice that the address was deleted and the address is still showing on my credit file as of XX/XX/2018. Submitted second dispute today ( Confirmation # XXXX ) requesting that I send requested documentation a second time. Duplicitous request and first dispute was never updated as stated in received dispute results letter.
Consumer complaint received 2022-03-11
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. (PA)

Hi, my XXXX XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I reported the theft of my identity to the identity theft affidavit. Please remove these items as soon as possible.
Consumer complaint received 2018-09-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: F.H. Cann & Associates, Inc. (CA)

I took out an education loan for my son while he was attending the XXXX XXXX XXXX XXXX. The loan went into default. I was sent an email from the U.S. Department of Education on XX/XX/XXXX regarding my XXXX XXXX XXXX " The U.S. Department of Education recently recalled your defaulted student loan account from XXXX XXXX XXXX 

You can now make payment arrangements without paying additional collection costs, but you must call us before XX/XX/XXXX. '' This was the only communication that I received from them regarding this matter. I didn't get a letter nor was a message left on my phone. I didn't get this email until today, XX/XX/XXXX. 

However, they quickly sent this to collections with F.H. Cann. I received a letter dated XX/XX/XXXX which I didn't received in the mail XX/XX/XXXX. 

This could have been avoided if the U.S. Department of Education had given me reasonable time to contact them. Nor was I ever informed about the XXXX XXXX XXXX XXXX XXXX. I worked in public service for the County of XXXX for 31 years. I retired in XX/XX/XXXX. My husband had health complications which continues to today. In addition, the former servicer for my loan refused to send any documentation I asked for in writing. His response was " Because we don't send anything in writing. '' I am disputing the additional costs that have been tacked on to this loan in the amount of {$1900.00} for legal costs plus any part of this loan which should have been forgiven under the XXXX XXXX XXXX XXXX XXXX. I can resonably make $ XXXX payments for balance.
Consumer complaint received 2018-09-04
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. (AL)

I placed a credit freeze for myself and my wife through Experian and the other 2 major bureaus XX/XX/2017. In a review to ensure my freeze is still valid, I tried logging into each bureau. Experian does not recognize me or my spouse. I have tried for 2 days to contact them via phone, which you can not get a human to answer and social media. No response. The login information I have recorded is correct. I paid {$10.00} per person and now have no idea if a freeze is in place or not.