davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Management Control, Inc. (TX)

In XX/XX/XXXX, I open an account with XXXX XXXX a light company. In XX/XX/XXXX i was aware that my contract was over, so i switch light company because to my knowledge I was done with them, and i need something to cheaper. My husband and i were working at the time, my husband was just going to start his new job. So anyways after i switch light company thinking my contract was over. I never got a called, nor a later from them ever again. But now is XX/XX/XXXX and the last week of XXXX i received a called from Credit Management control company. Saying that i owe money, but i wasnt sure if it was my account because this had my old last name. The rep said she would look into and call me back, but i NEVER got a called back. Just recently i notice the put this on my credit as a collection, so as soon as i saw that i gave them a called. Ive spoke to a rep, that was completely rude after i ask if i get a deletion letter if i paid them off. Which if is my account Ill take full responsibility and pay for it, but i NEED this delete it off my credit. I ask to speak to a manager, same thing he was rude and disrespectful. Would not help ONE bit.. i called again and same thing spoke to a supervisor and again he was rude and even threaten to hang up on me. Was giving me false information that is up to the credit bureaus to delete this account after i pay it, which is a lie. I know is up to them to delete it, because they are the ones reporting. This company is very unfair and treats people very rudely. Ill take full responsibility and pay for the account if is mines. But all i ask if for them to get deleted of my credit. The way the spoke to me was very wrong. It can really mess with someones mental health, the way the abuse their power is very wrong, and it should not be permitted for a company to talk to anyone the way this company does.. and another thing they said they have send me letters so i can know about this matter and is a lie because even if they send it to my old address, i have not gottten anything because i had all my mail forward to my new address and i get everything else to my new adress BUT this. How come? Because they have send me anything. They just lie.. its not fair to us..
Consumer complaint received 2022-03-06
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. (NY)

There are 3 XXXX accounts reporting on my credit report all 3 opened XX/XX/XXXX Club XXXX XXXXXX/XX/XXXXXXXX XXXX, XXXX ONE SAYS STATUS CLOSED XX/XX/XXXX THE OTHERS REPORTING OPENED AND RUINING MY CREDIT I RECENTLY PAID THE 3RD PARTY CREDITOR OVER {$4000.00} TO BRING MY ACCOUNT UP TO DATE BUT ITS STILL REPORTING NEGATIVE. I DONT KNOW WHY IF IT WAS CLOSED AND PAID XXXX WHY ARE THEY STILL COMING AFTER ME. 
ALSO DIFFERENT NAMES AND ADDRESS AND FRAUDULENT ACCOUNTS ON MY REPORT
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

Navient also does not allow borrowers like myself to autopay more on their loans. I have complained to them before but have never received a response. You can only pay the minimum amount which also benefits them over time.
Consumer complaint received 2016-05-10
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America completed a loan modification ( under the National Mortgage Settlement agreement - NMS ) on our XXXX mortgage around XXXX XXXX ( loan XXXX ). When we began the process of modifying the XXXX loan, we consistently inquired verbally and by email about modifying the XXXX loan ( XXXX ) which was and still remains with Bank of America. Our concern was that we would still be under water if the XXXX remained on the property. This worried us and was a key point that was communicated many times during the XXXX loan mod process ( we have emails on record ). We were told repeatedly by BofA employees that the XXXX would be extinguished after the XXXX loan was modified. Our recent research shows that under the NMS, BofA would have to extinguish their XXXX lien if the XXXX was successfully modified. We were pushed off repeatedly through the trial period with the same excuse that the XXXX would be addressed after the XXXX was completed. After our trial period, a BofA employee told us verbally that the second lien had been " sold '' and that they could no longer honor any extinguishment. Since then we have discovered that this was a lie. BofA has always held the note on the XXXX but failed repeatedly to take any actions to extinguish or modify the XXXX. In fact, they were completely unresponsive to our requests saying that the XXXX had been re-assigned/sold to their Servicer, XXXX XXXX XXXX ( XXXX ). XXXX has always denied that they 've ever owned the XXXX but that the note has always been held by BofA. We remained in this limbo until today! This type of unfair practice has caused us tremendous financial stress as the XXXX lien has occupied all of the equity in our home since XX/XX/XXXX and limited our financial options for survival. BofA 's tactics eventually forced us to file for bankruptcy in XX/XX/XXXX a few months after our XXXX was modified. Firstly, I strongly believe that BofA acted illegally under the terms of the NMS agreement. Secondly, I believe BofA used unfair, predatory business practices by initially telling me they would extinguish the XXXX and then misleading me into thinking they sold it. A BofA representative told me by phone today that he apologized and that the information he had given me last week about the ownership of the XXXX loan was incorrect, he confirmed that his research showed that BofA has always owned the second. I have no words to describe how violated I feel. Please help.
Consumer complaint received 2020-12-15
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. (LA)

I recently sent out a validation of debt letter one XXXX XXXX to Experian for reporting inaccurate information from this company that I have no knowledge of thats saying I owe them and that company which is XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-05-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL (MD)

XXXX XXXX called my spouse on XX/XX/XXXX about my Walmart Credit Card debt. He disclosed how much I owed and this person is not an authorized person on my account. I feel this is illegal and my information should not be shared. 

The numbet he called from XXXX.
Consumer complaint received 2020-06-04
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX {$27000.00} XXXX {$980.00} XXXX {$590.00} XXXX {$890.00} XXXX {$590.00} CHAPTERXXXXBANKRUPTCYDISCHARGEXXXX
Consumer complaint received 2023-06-12
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (NY)

In XX/XX/XXXX received documentation from XXXX XXXX   regarding the amount of qualifying payments I had made in my Public Service Loan Forgiveness Program. The qualifying payments ( total and remaining ) and estimated eligibility dates listed were different than documentation I received in XX/XX/XXXX. I have called XXXX XXXX four times over the course of 14 months. Every time they tell me my review will need more time. After attending a student loan debt seminar, I learned that this was the next logical step in the process of having my issue resolved.
Consumer complaint received 2020-07-30
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. (CA)

I had a mortgage with XXXX  XXXX XXXX that was late and I used a federal home loan modification program to refinance with XXXX XXXX XXXX XXXX. I have never been late with the XXXX XXXX XXXX XXXX mortgage. My XXXX  report shows that I have been on time but Equifax and XXXX  show that I have been late. I have disputed this various times with the credit bureaus and bank. They say that the late payments are valid even though they are not. This serious delinquency has prevented me from qualifying for a personal line of credit and credit card even though I have been on time since I refinanced 5 years ago.
Consumer complaint received 2018-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK (IL)

I am currently in the stages of disputing 2 ATM transactions- third party ATM. The 1at incident the ATM machine went into collaboration a phase and no monies dispensed i waited and tried it again I received my money. Yet my account showed 2 withdrawals when in actuality I only received money from one transaction. I called TCFs customer service number and was told the transaction should fall of as it is in pending status. The transaction did not fall of and I called back opened a dispute. I received a provisional credit a few days later and a letter from TCF about a week after they which stated TCF is investigating this dispute and you will hear from us by XX/XX/XXXX. A few weeks after opening the dispute I had the same issue. I called TCF and this time even while the transaction was in Pending status the representative opened a dispute. FIRST fact 2 identical issues 2 different processes. 
On XX/XX/XXXX I called for an update on my 2nd dispute. I have not received any communication nor have I received a credit. I am not rich and depend on my money to survive. On XX/XX/XXXX around XXXX central I spoke to a representative in the customer service department who called the dispute team and told me on a recorded line ( TCF pulled the actual call and confirmed their own representative said that ) you will receive your provisional credit today and if you do not call us back. I have not received the credit and called at around XXXX central time and was told that I will not be receiving anything and the prior representative provided me inaccurate information. Not one team lead would escalate not one had any compassion nor any remorse for the actions of their own wrong doing. I could not find a corporate phone number or a corporate email for an escalation / office of the president. Please tell me which honorable, customer based, loyal, company would not provide this information to the public or have it listed on the web? 
What made me write this review is that today the initial provisional credit has been deducted making my account negative that exact amount. I called the customer service number and was informed that a letter was mailed on XX/XX/XXXX but wait I was on the phone with several representatives XX/XX/XXXX no one advised me of any such finding. Letter from TCF dated XX/XX/XXXX, envelope stamped XX/XX/XXXX, and received at the USPS XX/XX/XXXX. I have the proof in my hands. 
I forewarn other hardworking individuals to avoid TCF at all costs- this is not a legit financial institution. This bank discriminates against customers and has no skills to work with the public or be trusted with money. You have been warned- watch out!
Consumer complaint received 2022-03-06
Product: Mortgage — FHA mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Fifth Third Bank not reporting my mortgage payment history to credit bureaus even though I am making monthly Pmts on time this has caused damage to my credit score! And has been going on for years! This mortgage was not included in XXXX bankruptcy the mortgage was reinstated! I have been making on time pmts since but this is not being reported to major credit bureaus 1972 fcra act started this incorrect and inaccurate and must be corrected!
Consumer complaint received 2021-06-07
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. (CA)

I disputed invalid information on my credit report. not only did the credit bureau not provide physical proof for the accounts I disputed. they removed accounts that I did not dispute. I didn't ask for verification I asked for Validation. meaning ACTUAL paperwork. it has been over the 45 days for the investigation process and it has been closed. they haven't provided this information. no physical signatures, applications, etc.
Consumer complaint received 2022-06-19
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: Experian Information Solutions Inc. (PA)

Acct. name - XXXX XXXX XXXX, acct. # XXXX - acct. type - open date XX/XX/2018, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights.

15 U.S.C. 1681 SECTION 602 A. 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 an account without my written consent. 

Acct. name XXXX XXXX XXXX  acct. # XXXX - acct. type - open date XX/XX/2018, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights.

15 U.S.C. 1681 SECTION 602 A. 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 an account without my written consent.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have been disputing this account since XX/XX/XXXX. I first requested that XXXX XXXX XXXX to validate the debt and the simply sent a statement with a balance of {$140.00} which is not the balance that is reporting on my credit report nor is it sufficient proof that the debt belongs to me. I then took a closer look at the accounts reporting on my credit and it appears that XXXX XXXX has re-aged this debt the account reflects an inaccurate date of last activity it's reporting : XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( Equifax ). On Equifax the account is reporting a past due balance on a collection account which is an error from my understanding a collection account is a past due account so I don't understand why there is a balance of {$440.00}. There is also a late payment of 120 days reporting which is also an error and collection account is a past due account and should not report late payment history. Equifax is also reporting a date of last payment of XX/XX/XXXX which is not reporting to XXXX or XXXX.
Consumer complaint received 2018-05-18
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)

On XX/XX/XXXX i applied for a credit card with XXXX under the impression they serve the military members and was denied based only on a out of state mailing address, their website clearly stated i was eligible as retired military serviceman and i can prove my status anytime upon request however i was denied, no where did it state my mailing address had to be within texas furthermore the website after taking in my address and information clearly stated i was eligible and only after that did i proceed. This is not a mistake on my part but because of XXXX faulty/incorrect membership criteria is misleading and the misleading information will cause my credit score to drop causing my to pay higher interest rates this is not fair to the consumer.
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ECMC GROUP, INC. (OH)

ECMC is reporting negative information on all 3 credit bureaus. I have not made a payment in over 20 years and they will not remove themselves from my report resulting in me being turned down for mortgage and car loans. They put false information saying i made a payment in order to keep the information on my reports. There is a statute of limitations for reporting and after 7 years they are required to remove that information. I have disputed with all 3 bureaus only to receive a report back that ECMC claims all information is correct and it is not. I want them removed from reports immediately. I am prepared to hire an attorney.
Consumer complaint received 2018-05-18
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. (TX)

First, I have since my drivers license and my Social Security card to each credit bureau. There is a name on my credit report by the name of XXXX XXXX that should be delete it I have no association with that name. I have verified who I am what account should be deleted but the police report that was submitted to each credit bureau. However, My credit report still shows that I have delinquent or miss payment accounts. I know that this is XXXX XXXX  activity because I have submitted the police report and my drivers license and my Social Security number to confirm that I have no dealings opening up those accounts. The only accounts I should have open or from my credit report still shows that I have delinquent or missed payment accounts. I know that this is torture night activity because I have submitted the police report and my drivers license and my Social Security number to confirm that I have no dealings opening up those fraudulent accounts. I wish to have removed from my credit report that I have serious delinquent accounts and missed payments. The only open accounts are my student loans, one credit card Thats it!
Consumer complaint received 2022-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

on friday XXXX i deposited my paycheck in the amount of {$3300.00} into my chase checking account. the receipt should that {$500.00} was available right away and the rest would be available saturday XXXX i transfer {$500.00} to my savings account and setup my 2 chase credit cards to be paid on saturday and sunday. extremely early on saturday morning chase woke me up with a text that my account was overdrawn. it appears there auto teller some how messed up and the they reversed my entire deposit. you should note that the bank was open on saturday and they did not reach out to me regarding this. furthermore they canceled one of my autopayments to there Credit card and that account will incur both a late charge and interest due to there error and or issue with processing my deposit. why did they not call me? if the check was destroyed due to a malfunction with there lobby auto teller i could have brought them a new check since i own the company that wrote the check. You should further note that i have other checks pending on this account that i mailed friday as they told me the funds would be fully credited on saturday. once all the payments clear i will still have a postitive balance of over {$1100.00} us dollars.
Consumer complaint received 2018-12-18
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: AMERICAN EXPRESS COMPANY (NY)

XXXX  has been non-compliant with removing the unverified account AMERICAN EXPRESS Date opened XX/XX/2006 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that AMERICAN EXPRESS was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-12-18
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: DISCOVER BANK (NY)

Equifax has been non-compliant with removing the unverified account DISCOVER BANK Date opened XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.