davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MA)

My Identity was compromised because of the Equifax Breach. 
Charges were made to an existing account ( I closed it ), a new credit card was established ( I notified XXXX ), a XXXX Cellphone service was established ( I contacted XXXX immediately ), and my mailing address was moved via the United States Postal Service. 
" THEY '' have all my information including my Social Security information. 
THE USPS has yet to resume mail delivery or give me definitive answers as to when and if my mail was recovered/will resume. I notified them as soon as I received the notice from the USPS stating it had been moved on XXXX/XXXX/XXXX and the notice they sent me was XXXX/XXXX/XXXX. Equifax was supposed to freeze and place alerts on all three credit services. It does not appear that this was done. 
Equifax and the USPS has been a nightmare. No one gives you definitive answers and the USPS has  the fraudulent address and even though I contacted the Inspector General 's office, the local police where the mail is going ( I only know the town and state ) no one is acting upon it. The US Inspector 's office brushed it off and the local police has not returned SEVERAL calls and emails. 
EQUIFAX is the source and they are impossible to work with. I tried to find CORPORATE telephone numbers and it is impossible. 
It is too bad they DID NOT protect our information as well as they are PROTECTING THEIR CORPORATE EXECUTIVES contact information. 
This is a disgrace. Both the United States Postal Service and EQUIFAX needs to be held accountable and consumers need to know how destructive this breach is to a person. Please contact me and publish this email. 
Thank you
Consumer complaint received 2018-01-02
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: Commonwealth Financial Systems, Inc. (FL)

I have recently disputed several accounts ( see attached documentation ) that Commonwealth Financial Systems , Inc. is continuing to reflect on my credit reports. On XX/XX/XXXX, I submitted a complaint to your bureau ( see attached documentation ) regarding the reportings of this company. My case was closed due to their response. After this complaint was filed, I received documentation from them dated XX/XX/XXXX ( see attached ). This documentation DOES NOT SUBSTANTIATE ANY ACCURATE REPORTINGS. 

In my previous requests, I specifically asked Commonwealth to provide me with copies of any papers that show I agreed to pay what they say I allegedly owe them that bore my signature. The paperwork they sent does not reflect my signature on anything. I also asked for copies of all documents sent to me regarding this account. Again, to no avail. The statements sent are dated for XX/XX/XXXX ; however, their letter is dated XX/XX/XXXX. How then are they providing accurate information that is verifiable. Lastly, I requested that they as a 3rd party collection company, prove that the statute of limitations has not expired on the accounts ; again, they sent nothing to prove this. I am requesting as well a copy of any documentation this company has with my signature whereby I granted XXXX XXXX XXXX to share any of my personal information or records with this company if I am indeed the owner of these alleged accounts. 

It is apparent that this company is not able to produce any supporting documentation that meets the criteria for reporting entries per Fair Debt Collections Practices Act. 

DELETE these erroneous accounts from my reports.
Consumer complaint received 2018-01-02
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)

on XX/XX/XXXX I took out a loan with XXXX XXXX XXXX XXXX and paid a payment in XX/XX/XXXX but could n't make another. It was put into collections and I called and asked if I paid off settlement amount would the negative item be removed from my credit report and they said yes no problem. So I made a settlement amount and it is still listed on my report which I have done several disputes and called them to get it removed and every time I call they say a different story from yes it will be taken off but give it 60 days. That did n't happen and then called again and was told they do n't do that. I have fought with this creditor and credit bureaus and gotten no where. This account was paid and I only did that after I was told it would be removed. I have nothing else I can do and I am tired of fighting this is my last option. The payment status says paid in full but I want it removed like they told me to get the payment
Consumer complaint received 2017-07-12
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. (NJ)

On my credit report under 'regular inquiries ' via ( XXXX XXXX, experience and XXXX ) there is an inquiry showing the company XXXX XXXX  with the date : XXXX/XXXX/2017. This inquiry is fraudulent and I would like this inquiry removed from all credit reporting agencies.
Consumer complaint received 2017-07-12
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. (NJ)

On my credit report under 'regular inquiries ' via ( Trans union, XXXX and XXXX ) there is an inquiry showing the company XXXX XXXX with the date : X/XX/2017. This inquiry is fraudulent and I would like this inquiry removed from all credit reporting agencies.
Consumer complaint received 2022-09-09
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am submitting this complaint in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors/agencies that are reporting this information on my report and because of this I am now asking you for more information regarding these particular accounts in question : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX-Late/Closed Late Dates XXXX
Consumer complaint received 2018-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Ive submitted a dispute 5 times to the credit bureaus. They have a company XXXX XXXX showing a late payment for XX/XX/XXXX & XX/XX/XXXX. Ive submitted the dispute in the mail twice with a letter from the company showing it was never paid late. I submitted a dispute twice online. I also faxed in my dispute. Each dispute was denied even though I submitted documentation from XXXX XXXX showing the account was never paid late and the credit bureau still wont remove the late payments. This is preventing me from buying a home for my family.
Consumer complaint received 2018-01-02
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LoanCare, LLC (CA)

LoanCare took a double payment for my mortgage back in XX/XX/XXXX. They then lost the payment and reported me late in XX/XX/XXXX. I opened an investigation and results were inconclusive and left me showing a late payment ever since. I have since resolved the matter on my own, to my own satisfaction, by applying for a modification to being the account current and make the payments more affordable. 

XXXX XXXX, the person handling the matter through loancare agreed to remove all delinquent payments from my credit report. Most were removed, but not all.
Consumer complaint received 2021-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

My mortgage with SLS was paid in full on XX/XX/2021. 

According to their own policy, My Escrow account should have been refunded to me after 15 days. 

It has now been 20 days and my escrow account has not been returned. 

Due to gross mismanagement of my account and recent abuses I have suffered from SLS I have reason to believe my escrow account will not be returned.
Consumer complaint received 2018-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

in XXXX on XXXX XXXX on the corner of XXXX XXXX i think, can i ask you something chase banks used too print a new febit card on the spot if i lost mine so past time they like corporate law what coroorate its a bank? so they give me an XXXX XXXX yr old atm card but thing is, if theur printers print atm cards i dont think they get as a bank its still my XXXX money and if im im a store long story short can yiu ask XXXX   do i not look cia.gov cause no i know im not a chase private client, its ok i am with XXXX. my email XXXX  is XXXXXXXXXXXX so ond my buddies had the samr situation and they printed him 2 new debit cards in two days both in XXXX. intelligence identification protection act. im gon na change banks obviousky but instead og printig me a new debit like withh my friend goes we sent iy on XX/XX/XXXX si w/the holidsys XXXX thd holidays guy said hd special XXXX it two days to me.
Consumer complaint received 2017-12-30
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. (GA)

filed a bankruptcy XXXX XXXX XXXX ReAffirmed 2 mortgages XXXX Trans Union and XXXX Missing Payment history- previous payment history from my credit profile from both XXXX XXXX and XXXX XXXX have been removed. 
No current reporting for payments- XXXX XXXX XXXX XXXX refuse to report all payments made from date of reaffirmation which is XXXX XXXX to present All Previous on time payment histories from items included in bankruptcy have been removed XXXX and XXXX XXXX balances not accurate
Consumer complaint received 2017-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (TN)

I 'm first unsure about the dates because this has been an ongoing ordeal dealing with Beneficial. About 5 years ago I had a loss in income which cut my salary down to a point I could barely support my family. I have XXXX children and I was seeking modification of a home loan at which I was paying and to this day is still paying at an interest rate of 12.12 percent. When I refinanced with Beneficial about 9 years ago I was very naive about the process and the in and outs of the home mortgage industry. I felt at the time I was uneducated in the process and struggling to understand the benefits and process. I know now that that the person that was working with me was thoroughly taking advantage of me. I spent time trying to consolidate my bills and to try to make just one payment to one company. The person gave me no money for the equity in my house but paid all the credit cards I had at the time off ( which totaled about {$4000.00} ). I had pretty good credit and I do n't understand why my interest rate is so high. Throughout this ordeal I found that I was unable to make my mortgage payment once in two different years and I resumed the payments once I was able to. I asked for modification of the loan each time and asked for help on more than one occasion and the company refused to offer any assistance. I did find on my statement that this company has created some account ( Outstanding Deferred Interest Balance ) and doubled my monthly mortgage each time. There was no discussion with me when this account was created. Along with that my mortgage payment has increased each year based on what is owed on my home insurance which is built in. Each year I get a letter telling me my escrow does n't have enough to cover my insurance principal. The letter tells me if I pay a certain amount my mortgage payment will not change. Well I paid the extra money this year and my mortgage payment still went up. This company has n't been very fair with me over the last 9 years although I have paid in good faith even though I now know I was taken advantage of. I tried to refinance my home mortgage last year and found that I 'm in such a hole with the way they have set me up that I was told that in order to refinance that I would have to bring {$20000.00} to the table to be able to refinance. I desperately need help dealing with Beneficial.
Consumer complaint received 2018-01-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (NC)

In XXXX 2017 i purchased a phone for my girlfriend at the time through XXXX. On XX/XX/XXXX I found out she transferred to XXXX and she said XXXX paid XXXX off for her business and turns out we owed XXXX like XXXX dollars for the phone because XXXX technically didnt buy her out. I was really unaware of all of this until it was too late. I had been paying XXXX monthly for her not knowing we owed XXXX. I received the collection letter and I immediately jumped into action and started making payments on the debt. I only owe about 100 dollars now and should be taken care of this month and Id really appreciate if I could be forgiven for this misunderstanding and if I could have the derogatory remark taken off my credit report. If you see my credit report you can see Im very responsible and that this never happens. I have 100 % payment history.
Consumer complaint received 2017-07-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MA)

For the billing period  of  XX/XX/XXXX  we had sent an electronic payment on  XX/XX/XXXX  and the funds were received and deposited by Ally Financial on  XX/XX/XXXX . They claim that the account number was left off the electronic payment and they did n't know where to apply the payment, so they issued a refund check and mailed it back to our address on   XX/XX/XXXX  making it 30 days late. upon receiving the  the check we immediately sent another payment and called to pay over the phone s o 2 pa yments were made. I have tried disputing this situation on  XXXX   XXXX  and it was denied. I even talked to Ally and was told to write a letter and fax it with bank statements showing that the funds were withdrawn before the 30 day late period. They received everything with proof that they received the funds in time and still denied removing the 30 day late payment on my credit report. We were just about to start the process of buying our first house when this happened and because of that 30 day late m y credit score h as dropped severely.
Consumer complaint received 2018-01-02
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SECURITY FINANCE CORP (OK)

XXXX XXXX XXXX has called me at work multiple times. Each time I have asked them not to call me at work, as my employer is not allowing this type of communication. I have told them to file against me in court, however, they state that they will not and continue to call my work.
Consumer complaint received 2017-07-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc (MO)

I was on contacted on  XXXX   XXXX  at  XXXX    XXXX   from a representative for  Professional Credit Management  (  XXXX  )  XXXX   XXXX , AR about a medical debt. I informed  PCM  that I am not responsible for said debt, that I have a court order from my divorce settlement stating any prior and future medical bills for the children are the responsibility of my exhusband. It was then tha t PCM  told me they do not pay attention to or obey court orders and I was responsible and would be reported to the  XXXX  credit bureaus as deliquent and sued for the debt.   XXXX  I was not aware that debt collectors could pick and choose which laws and court orders they had to obey.
Consumer complaint received 2021-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I had to pay it late. I need the late fee to be reversed. I am still suffering because of covid. You won't help me with payments, but you can at least waive the late fee. I paid the bill.
Consumer complaint received 2024-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (NJ)

My credit report is showing that I owe a collection debt from a utility company in Texas that I never signed up for. I've also never lived in Texas. The utility accounts were opened on XX/XX/year> and the amounts are for {$320.00} & {$510.00}. Credit Systems International is the debt collector and the utility company is called XXXX XXXX XXXX.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2017-09-13
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. (PA)

I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2022-02-14
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. (NC)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CCB. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 
CCBXXXX XXXX XXXX : {$0.00} CCBXXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2018-01-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CURO Intermediate Holdings (TX)

I made a payment to speedy cash. I was aware that I owed them money.However they withdrew the entire amount that I owed them without my permission. I was making payments to the company. When I called them to complain they refused to reimburse the amount. I had to contact my banking institution and report it as fraud. I would like to sue speedy cash for violating its terms with the fcra. I was having a financial crisis.
Consumer complaint received 2018-01-02
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. (ME)

After numourous attempts of dispuit negative information on my credit reports. They have failed to provide me, proof of contracts and proof of my consent of inquiries and negative credit reporting on my report under Fair credit Reporting and Fair Credit Act laws. XXXX has also went as far as, telling me, I can not dispute negative items cause they were already disputed, yet, they have provided me with no proof of permission I have given for inquries, and, proof that, I have contracts with, and, have given these companies permission to report on my credit report, under Fair Credit Reporting and Fair Credit Act laws.
Consumer complaint received 2017-07-12
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (NJ)

Navient, with no permission from me, placed my loans into a " Courtesy Hold Period '' at which time no automatic payments ( controlled by Navient ) were received yet interest was accrued to the benefit of Navient.
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In XX/XX/XXXX, I asked Navient if my loans were income based, in order to understand if I qualified for XXXX XXXX student loan forgiveness, as I am a XXXX XXXX
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My payments are pulled from my bank account from Navient, using their AutoPay feature which was set up years ago. I noticed in XX/XX/XXXX that they had not received a payment in three months. <P/> I called to ask why my payments were not received. They explained that my account was put on a Courtesy Hold ... As a result of my questioning as to if my loans were income based payments or not, they decided to put a " courtesy hold '' on these payments for three months and reinitiated my automatic payments for XX/XX/XXXX. <P/>
At no point did I agree to delaying my payments. I did not want a three month loan from them. They forced the loan on me and probably many other customers. I can afford the payments and want to be rid of my student loan debt as soon as possible. This scheme clearly only benefits Navient and is not a courtesy at all. Combined with many other customers it is clear that Navient has much to gain from these types of practices.
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Please help all of us costumers of Navient ... .it is clear they are taking advantage of everyone.