davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-13
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. (TX)

There are 2 medical bills that are on all 3 of my credit bureaus that are not mine. I noticed the bills this weekend on XX/XX/2018. I was referred to the Consumer Financial Protecon Bureau and demand you to delete this misleading information in order that it show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.
Consumer complaint received 2022-10-05
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. (AZ)

I submitted a dispute for this collections on XX/XX/XXXX through the Equifax online portal. This debt is not mine I am a victim of identify theft. The dispute results returned from Equifax on XX/XX/XXXX did not address the issue of theft. Instead they wrote to say that the dispute has been validated as accurate and the balance was updated from {$400.00} to {$410.00}. This collections account has been removed from all other agencies except Equifax. 
But I am unable to submit another dispute as the item online shows as dispute not available. 

XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX for a balance of {$410.00}
Consumer complaint received 2020-07-14
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. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2021-02-27
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (OH)

To Whom It May Concern : Id like to file an official complaint against Sallie Mae regarding harassing telephone calls and emails. My wife is a cosigner on three student loans our son received. I pay the monthly bill and my wife has authorized me to speak with Sallie Mae regarding the account. 
In late XX/XX/XXXX ( XX/XX/XXXX ), I mailed my XXXX monthly payment to Sallie Mae in the amount of {$320.00}. Starting on XXXX XXXX and daily through XXXX XXXX, we received emails from Sallie Mae implying our payment was overdue. During the week of XXXX XXXX, I received a phone call from Sallie Mae regarding this matter. 
So, whats the issue? My electronic bank records indicate my XXXX payment of {$320.00} cleared my XXXX account on XX/XX/XXXX. Despite this, we continued to get both collection emails and telephone calls weeks after my payment was received, and at least a week after it cleared my bank. 
I previously called Sallie Mae in XXXX to double check that the payment was being sent to the correct post office box and that the correct information was being included on the check. The representative I spoke with told me I was using the correct address and the information I put on the check was correct. 
These events that occurred throughout XXXX have been consistent for at least six months. My wife and I honestly dont know if this is incompetence on Sallie Maes part or an orchestrated attempt to try to get us enrolled in automatic payment, which we choose not to do.

We also dont know how to stop Sallie Maes harassing collection attempts that are being made in error.
Consumer complaint received 2020-07-14
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. (NY)

XXXX XXXX Account ending in XXXX has not been updated from the creditor for months the last time they were updated was XX/XX/2020 because of my credit disputes, This company has not been updating my correct balance and payment history for months before this non update was happening my XXXX XXXX account would update on the XXXX of Every Month and it had stopped, I reached out to the XXXX XXXX XXXX XXXX ( The Creditor for this Acct ) to no Avail My payments and balances are not being reported to the 3 credit Bureaus like they once were
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX Account ending in XXXX has not been updated from the creditor for months the last time they were updated was XX/XX/2020 because of my credit disputes, This company has not been updating my correct balance and payment history for months before this non update was happening my XXXX XXXX account would update on the XXXX of Every Month and it had stopped, I reached out to the XXXX XXXX XXXX XXXX ( The Creditor for this Acct ) to no Avail My payments and balances are not being reported to the 3 credit Bureaus like they once were
Consumer complaint received 2020-06-27
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: Experian Information Solutions Inc. (FL)

SOMEONE STOLE MY IDENTITY AND USE MY SOCIAL SECURITY NUMBER AND SUMMITED SEVERAL FRAUDULENT APPLICATION I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS.  On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2018-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

On XX/XX/XXXX I paid my mortgage to SLS online as I usually do but paid a minimal amount thinking I was at another account site. I immediately realized what I had done and went back to the SLS site and paid an amount that would make it so I had paid a full mortgage amount. 

When I looked at my banking account SLS had taken the larger amount that I paid ( to balance out the first payment ) and then also took a full mortgage payment out of my account. When I called and asked how did they get into my account to take the mortgage payment ( I have signed no authorization for access to my account ) they stated I had made the payment - which is not so. They immediately offered to return the larger payment ( the payment I made to balance out the first and make a full payment ) ; they never mentioned the first payment I made and it did not come out of my account. The representative I spoke to said the payment would be mailed out XX/XX/XXXX. 

I called back when I realized I had not gotten a confirmation number or reference number for the reimbursement of my money only to be told by the SLS representative that they do not give confirmation numbers or reference numbers for tracking interactions ( this I consider a problem and a way to not acknowledge issues ). What this representative did give me was the " teller '' number of the first person I spoke to - number XXXX. But this representative gave me XX/XX/XXXX ( not 11 like the first person said ) for the return of my money. 

XX/XX/XXXX not trusting the integrity of this company and especially after finding there were 782 complaints against them at your site, I called to verify the check had been mailed out. Now I was told by a representative ( XXXX ) the check would not be mailed until XX/XX/XXXX. This transaction of theirs has cost me ck fee because it caused an overdraft of my account. I not only want my money returned but I also want the check fees that were charged to me because of this. 

I do not understand how this company can have so many complaints and still exist. There are many complaints online but I don't know if these people know the correct channels to file a complaint. I believe if they did you would receive many, many more.
Consumer complaint received 2020-07-14
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX   XXXX {$430.00} DEPTEDXXXX XXXX {$3500.00} XXXX XXXX XXXXXXXX {$1700.00} XXXX   XXXX  XXXX {$14000.00} XXXX XXXXXXXX {$1600.00}
Consumer complaint received 2020-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX   XXXX {$430.00} DEPTEDXXXX XXXX {$3500.00} XXXX XXXX XXXXXXXX {$1700.00} XXXX   XXXX XXXX {$14000.00} XXXX XXXX {$1600.00}
Consumer complaint received 2020-07-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (MD)

I am trying to use a financial app called XXXX, and my bank, PNC, will not allow me to connect my account to the financial management institution/app, XXXX. Please urge PNC bank to reconsider allowing this!
Consumer complaint received 2019-05-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (IN)

I sent a partial mortgage payment of {$800.00} electronically through my XXXX XXXX   account, that was accepted by Franklin American Mortgage Company on XX/XX/19. They still have not credited the money to my account or returned the money to me. They say that they can not locate my money because it was a partial payment. I have gotten a Proof of Payment from my bank and faxed, emailed, and sent by mail to them. They confirmed that they got the form but have stated that they need more information than that. I even spoke with XXXX XXXX and Franklin American Mortgage at the same time ( 3 way call ). Nothing was resolved. I have been given no answers. Now I am behind on my payments.
Consumer complaint received 2020-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY :
Consumer complaint received 2019-05-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PlusFour, Inc (NY)

Scheduled XXXX  appts w/an Dr that took my insurance in Nevada.A few days later I fled a XXXX XXXX XXXX ( police involved ) did not think to cancel appts. Drove from XXXX to XXXX with my XXXX, 2 dogs and the clothes on our backs. In XX/XX/XXXX I received a letter from XXXX XXXX XXXX.Spoke to them and mailed correspondence disputing the collection on XX/XX/XXXX. They closed account and said they would not seek further action on XX/XX/XXXX. The following year I requested a credit report from XXXX. Found a Plus Four Collection for the same acct. I called XXXX XXXX and they said they could do nothing about it as it was not them reporting to the credit agencies, it was Plus Four Inc who had forwarded the acct to them for collection. I called Plus Four and they refused to discuss it with me AT ALL as they were not licensed to collect in NYS. I disputed w/ XXXX - they removed from credit report. A few weeks ago I was told by my bank that XXXX was reporting the debt from PLus Four. Filed a dispute. They contacted Plus Four and were told that it was an active collection so it is not being removed from my XXXX report. This has affected the interest rate on home equity and auto loans. I again contacted Plus Four today, XX/XX/XXXX, and they again refused to talk to me. So I am stuck with XXXX XXXX saying it's a closed file but they can not assist in removing from credit reports as it is Plus Four that is reporting it and Plus Four is refusing any communication. They would not even provide me with an email or fax #.
Consumer complaint received 2019-05-15
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Caneel Capital, LLC (MO)

Approximate 7 years ago, I did a XXXX XXXX XXXXs deal instead of going into foreclosure. My concern was that both the first and second mortgage would be paid for and I would be free an clear of the property. I was reassured by the real estate and mortgage company that both mortgages would be paid and I could walk away from the home. 

Now, I have found that I have an outstanding judgement from the second mortgage company, and they are now garnishing my wages. The only reason I found this out was due to me getting an W2 job ( I have always worked as XXXX ). I found the case online, the process server didnt serve me but a ficticious roommate, I never had a roommate and I dont know the person named that received my summons to court. I have never received paperwork from either the law firm or the second mortgage company requesting payment. 

I do know that the home was sold to another family, and no Foreclosure legal process ever happened, nor did a judge remove the second mortgage from title. 


This {$30000.00} second mortgage is now $ XXXXthat I must pay off for them to release the judgment.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (AZ)

XX/XX/2024 I wrote Citibank in regard to the furnishing of my private information. My credit reports from XXXX, XXXX and XXXX all reflect private transaction history. 

The definitions in 15 US 1681a ( d ) ( 2 ) ( a ) ( i ) Consumer Report - Exclusions, says that a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. 

Usage amounts, credit limit and transaction history are still reflecting on my reports.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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  Balance Owed : {$320.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$800.00} XXXX XXXX XXXX Owed : {$550.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 2019-05-15
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: Experian Information Solutions Inc. (IN)

XXXX XXXX XXXX XXXX, XXXX, XXXX CR XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XX/XX/XXXX CFPB And XXXX XXXX XXXX. XXXX Via Online report Re : Three false reports on my credit per attachments showing all of these were reported in XXXX, more than 9 years ago and thus must be removed from my credit immediately Dear CFPB : The first attachment is my Experian Credit Report. It is five pages long and shows three false accounts, as of XX/XX/XXXX. Luckily each of these is over 9 years old,  so I do not have to show that they are false, because they are all demonstrably over 7 years old. These 3 false and inaccurate reports are circled and are XXXX XXXX, XXXX XXXX, and XXXX  XXXX. 

The second exhibit is marked Ex. B and is two pages long and this attachment shows that all of these accounts, including XXXX XXXXXXXX were reporting in XXXX, very close to the exact same amounts claimed to be owed today, over nine years later, as being either the last month with an amount NOT being past due or as being already in collections at that time. 

Here is a summary of Exhibits A and B : In XXXX XXXX claimed ALREADY owed {$10000.00} ; now XXXX claims {$15000.00}. 
In XXXX XXXX XXXX claimed {$3900.00} and now claims {$6900.00} In XXXX XXXX XXXX claimed {$920.00} and now claims {$930.00}. 
These are all the same decade old claims.The only differences are " collection costs '' or interest claims. The VAST majority of the amounts appearing on my credit in XXXX are 10 years old or more in each of these cases. 

So, the request here is simple : please confirm that the above referenced reports from XXXX, XXXX XXXX and XXXX XXXX are removed from my Experian, XXXXXXXX XXXX, XXXX, XXXX and/or other credit reports and furnish me with a letter stating the same. If I do not hear back by XXXX, I will assume that these creditors do not intend to remove these false reports -- which wouldn't even have to be false as they are over 9 years old. Thank you for your kind attention. 

Cordially, XXXX XXXX
Consumer complaint received 2024-03-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: TRUIST FINANCIAL CORPORATION (MD)

I signed up for a 15-year mortgage back in XXXX and my Maturity date for this loan was XX/XX/XXXX. I spoke to XXXX who work for the company last XX/XX/XXXX about this matter and stayed on the phone about XXXX hours concerning this matter. She said to me that XX/XX/XXXX would be my last payment and that she would have them fix this. I have been getting statements stating that I owe XXXX or less then when my Maturity date comes my loan jumps back up to XXXX this is insane. I have requested the original copy of the loan, and no one can seem to get it to me. This loan should have been paid off XX/XX/XXXX. Please help me get this straight because every time I call Truist no one can help me.
Consumer complaint received 2021-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

I have got multiple offers from American Express but after filling up applications and applying I have got denial and they were asking additional informations in order to issue a card. Additional informations questions suppose to be included in the application 's questioner and not asking them separately after the application submission.
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

I received a statement to which I didn't recognize a charge. I spoke to Macys in regards to this matter. They advised me to fill out the attached document which was faxed back to them. 
They also informed me that I would not have to pay while it is under investigation. They said they will advise me of the outcome. I made sure all my information was updated. Since I was advised not to make payments on this until it is resolved I did not make payments and never heard from them so thought it was taken care of. If they came back showing that I owed the money I would have paid them. 

In the beginning of XX/XX/2020 I went to apply for a refinance, I noticed that Macys is reporting my account as past due and delinquent. I have never been contacted by Macys or heard from them in regards to this matter.
Consumer complaint received 2020-06-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (TN)

On XX/XX/2020, I requested copies of the promissory notes for my loans serviced by Firstmark Services. I received a message dated XX/XX/2020, that I can expect to receive the copies via email within the next 30 days. I had not received them within that time frame. I then followed up by phone with Firstmark on XX/XX/2020. The request was apparently resubmitted. I still have not received these documents to understand the terms of the loan.
Consumer complaint received 2019-05-15
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NY)

According to a prior complaint submitted about Midland Credit Management through the CFBP, Midland responded telling me to reach out to them at ( XXXX ) XXXX ext. XXXX. I called and XXXX, a manager, refused to talk to me about my account. The company lied in their response to the prior credit and now they refuse to talk to me about my account