davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (SC)

I have been making payments on my student loans since XXXX to XXXX XXXX XXXXXXXX XXXX, prior to finally being told in XXXX ( after multiple calls with difficult customer service representatives ) that my loans needed to be be consolidated to receive credit for public service forgiveness, although I had made been making payments for XXXX  years prior. Subsequent to consolidation, while working for the XXXX XXXX XXXX XXXX, I have continued making payments, all while making a minimum salary to help support my family which included XXXX kids in daycare. Additionally, after submitting documentation for XXXX in XX/XX/XXXX my status remains as " processing ''. I have called multiple times to inquire only to wait for hours on hold and then be hung up on by the representative. Poor customer service, avoidance tactics, and excessive processing times add to the financial burden of student loans.
Consumer complaint received 2019-03-08
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. (IN)

In XX/XX/XXXX I applied for and received an online loan from XXXX. The loan amount was {$800.00} with 17 payments of {$130.00} totaling {$2200.00}. I made several payments totaling {$930.00} which was more than the amount principle amount loaned to me. In XXXX, I had some financial and health issues come up and I couldnt make my payments. Not knowing what the online lender could do I contacted the XXXX Department of Financial Institutions and the XXXX Secretary of State, both of which informed me that XXXX wasnt licensed in the state of XXXX, theyre tribal leaders and charged illegal rates of interest. They advised me that the loans were illegal thus making them null, void and uncollectable. Upon receiving this information I contacted XXXX via phone and told the what I was told. After that conversation I still received emails from them trying to collect money from me. On XX/XX/XXXX, I received an alert from my credit monitoring app that a collection account was added. The account was reported by - XXXX XXXX XXXX , XXXX . In regards to the XXXX account. After making several phone calls I was told that XXXX sold my account to this company. I contacted XXXX and once again advised them that the loan was illegal thus making it null, void and uncollectableband that they needed to pull back my account from the collection agency. They said they a case manger would look into it. I wasnt given any time or even the persons name.I do not trust them to take care of this matter. I then contacted XXXX XXXX XXXX- who were very rude and basically said that they have money on this account and I needed to pay. I advised them that the loan was null, void and uncollectable but they insisted that this legal for them to report this to the credit bureau. I have since filed a dispute within the credit bureau Transunion. I also had another loan with XXXX that I received in XX/XX/XXXX paid in full in XX/XX/XXXX. Loan amount was {$800.00} total amount paid {$2000.00}.
Consumer complaint received 2022-01-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (FL)

I opened a savings account with CITIBANK and deposited {$10000.00} on XXXX and was suppose to receive a {$100.00} Bonus after 60 Days. My account was hacked due to CITIs negligence and fraudulent transactions were made. CITI made me close the account and open a new one and they did refund the monies that were fraudulently transferred. The refused to give me my {$100.00} bonus even though I met sll the reauirements.
Consumer complaint received 2021-10-05
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: AES/PHEAA (TX)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, DE, XXXX, XXXX Ive contacted this company numerous times for reporting inquires to the credit bureau that I did not authorize and that they are unable to find an application for. The company said that they do not have any of my information on file & would fix the discrepancy within 30-90 days. It has been a total of 180 days and the inquiries that I did not authorize or apply for are still appearing on my credit reports. 

Dates of Contact : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/202XXXX XXXX
Consumer complaint received 2018-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (ME)

I checked my credit reports and XXXX  had a listing for a debt collection agency ( XXXX XXXX, XXXX ) for a XXXX account I never had. I disputed it at XXXX and sent XXXX XXXX, XXXX a letter of my dispute. 
Today I received their response, " This debt is valid, attached is verification of the debt '' and a copy of a XXXX bill with my name and an address and state I never lived at. 
In my research this seems to be a common scam.
Consumer complaint received 2015-05-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Law Office of Joe Pezzuto, LLC (CA)

In XX/XX/XXXX, I sold my interest in a XXXX company, and divorced my husband who immediately moved back to XXXX. He and the other XXXX partners kept the company alive, while I bowed out of the picture completely. On XX/XX/XXXX, I received a letter from a collection agency stating I owe {$78000.00} on a line of credit they claimed I personally guaranteed. They are unable to locate this " supposed '' contract and are threatening to ruin my - quite frankly - perfect credit. All for a debt that is NOT mine.
Consumer complaint received 2021-10-05
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. (GA)

After several attempts of contacting these 3 credit agencies to renove this fraudulent information listed on my accoutn after their suppose investigations. Which I believe was never done because at the time of these accpunts being opened I was in prison. I sent information that proves I was in XXXX.
Consumer complaint received 2021-10-05
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: Bread Financial Holdings, Inc. (TX)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2017-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (AZ)

My mortgage company is Ditech. About XXXX month ago I received a notice that my escrow account is short ( XXXX they spreading the XXXX in XXXX  months ) I did not have the money to sent that amount in which now resulted in my mortgage going up from XXXX to XXXX. In the XXXX years I live in my home, I never pay that much in my mortgage.I 'm currently not working and my last paycheck this pass XXXX was use to pay my mortgage. This mortgage company never in advance advised me that my escrow was low. Had they said something, I would of sent them extra from the beginning. I 'm struggling right now and not sure how I will make my next payment. I never have miss a payment on my mortgage and now I feel like I 'm being forced out of my home.
Consumer complaint received 2018-03-17
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: DISCOVER BANK (IL)

I have alot of credit inquiries on my account that i did not apply for and i put a 90 day fraud alert on the 3 credit bureaus. I recently noticed a XXXX  and im not applyiny for nothing.
Consumer complaint received 2015-10-18
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (PA)

I had a car loan with Santander Consumer USA. After paying for many years we requested the company repossess the vehicle. This was XX/XX/XXXX. At a later date we received a XX/XX/XXXX XXXX adding {$5100.00} to our XX/XX/XXXX income due to the amount of the loan adjusted off. Last month I received a XX/XX/XXXX XXXX for the SAME LOAN adding an additional {$4400.00} to my XX/XX/XXXX income for the SAME REASON FOR THE SAME LOAN. I do n't think I should be charged twice for the same loan charge/write off!!!!
Consumer complaint received 2021-07-12
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: EQUIFAX, INC. (DE)

After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

My current address is wrong on all the credit reporting agencies. It says I live in an apartment and I do not, I live in a house. But you ca n't just correct the home you are living in currently. The current address they have listed is correct, but it has an old apartment number associated with it.
Consumer complaint received 2017-11-17
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. (IL)

I have contacted all three credit reporting bureaus numerous times about this issue. I have also filed a complaint with you about this before. As of this date this has NOT been resolved. I have letters from Transunion and XXXX both that as of XXXX-2017 they have once again placed a FRAUD ALERT on my credit report. I am also still having problems with XXXXbout this same issue of placing FRAUD ALERTS on my credit report. I have NEVER and I repeat NEVER requested these FRAUD ALERTS be placed on my credit report. I have contacted all three Transunion, XXXX and XXXX and constantly requested that they remove these FRAUD ALERTS from my credit report. I have had NUMEROUS conversations with them and been assured they would remove the FRAUD ALERT but THEY ALWAYS place another FRAUD ALERT on my credit file without my requesting that it be done. 

I am about ready to contact an Attorney as well as the Better Business Bureau to file a lawsuit and a complaint against each and everyone of them. 

I want these UNREQUESTED FRAUD ALERTS TO BE PERMANENTLY REMOVED FROM MY CREDIT FILE. 

XXXX XXXX
Consumer complaint received 2021-07-06
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: BARCLAYS BANK DELAWARE (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2018-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have recently obtained a BOA XXXX Rewards XXXX XXXX. 
The card lists the travel benefits like lost luggage protection, trip cancellation, car rental, etc. However their is no explanation as to which circumstances you would be eligible for any of these benefits. I am looking for the term and conditions of these benefits. I have spoken to no fewer than XXXX BOA representatives in XXXX different departments all referring me to someone else saying they can not provide that information. They can verbally tell me if I qualify but they can not send me the terms and conditions. This is fraud, who is to say if a claim is made that it is covered as nothing is written down and provided to the customer. All I am asking for is the terms and conditions of the travel benefits they have sold me in order to sign up for the card.
Consumer complaint received 2021-10-05
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. (SC)

XXXX, and Equifax after numerous letters has refuse to remove unathorized inquires i did not give any permissible purpose or written consent. I contacted each company on my credit report and they told my to contact the credit agencies, which i have done and they still refuse to remove. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. You have not provided me with any information on how you verified these items. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
The FCRA states that the only permissible purpose for pulling someones credit is for : Firm Offer of Credit , Insurance Employment, Court Order The following credit inquiries are related to none of the aforementioned permissible
Consumer complaint received 2022-12-14
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: PNC Bank N.A. (NV)

I would like to report inaccurate information that 3 auto loan banks are reporting to XXXX credit bureau. The do not belong to me. 

On XX/XX/XXXX, I called all three banks and they confirmed verbally that the loan on file does not match my name and social security number. None of the 3 banks are willing to provide me written confirmation that the loans are not associated with me and that they the will stop reporting to credit bureaus under my name and social security number. 

XXXX Texas XXXX XXXX XXXX ; account XXXX ; XXXX ; I spoke to XXXX XXXX XXXX 


PNC bank ; account XXXX ; XXXX ; I spoke to XXXX XXXX ; XXXX XXXX XXXX in Texas ; account XXXX ; XXXX ; I spoke to XXXX XXXX ; I have credit freezes on my social security number with XXXX and XXXX credit bureaus because there was a personal information breech at my job in XXXX. I attempted to freeze my credit with XXXX credit bureau too but this option was not available on the XXXX website or by phone. 

Apparently a XXXX XXXX XXXX XXXX have the same date of birth as me and has opened 3 auto loans in Texas. All three of the banks that I called today, said that XXXX XXXX XXXX did not have a social security number listed or that it did not match mine. 

I am having difficulty getting a home mortgage loan because of this collective issue.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

On XX/XX/XXXX I received the attached letter from XXXX  Saying they have deleted this account because they could not verify the accuracy of it. On XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I sent letters to all three credit bureaus asking them to check the accuracy of the date filed the case number along with all other items listed on my report. After much research I have found that the bureaus can only verify this information with XXXX. There is no account On XXXX and therefore should be removed from all three bureaus.
Consumer complaint received 2022-10-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (FL)

I have tried multiple times to contact the Hud office as well as the county offices that are supposed to help with dealing with mortgage companies. I was not offered a fair partial claim as I was told by the FHA lady when I spoke to them about the issues of this company trying to take over my mortgage and stating I owed more than I owed my original lender. Also I was told I must pay the XXXX for the partial claim in XXXX. The mortgager states I am 659 days past due which is not true. I was in forbearance until XX/XX/2022. I was not offered the 25 % deduction, or offered for the partial claim to be added to end of my loan. They were trying to say it was for XXXX when I only ever had a mortgage for XXXX with XXXX XXXX. This all violates my rights via the American Rescue Plan and the Cares Act. They are violating my rights as an American citizen. I never was served any foreclosure documents, I was not signing a partial claim that violates my rights. I alerted the company in XX/XX/2022 via XXXX XXXX and the credit bureau that I had been accepted and eligible for the Home Owners Assistance Fund. I have paperwork stating different things and different information on each. I just want my mortgage to offer what I am supposed to be offered via American Rescue Plan. I do not have a phone to contact the company themselves. I have tried to reach them on the website but they have shut down that possibility as well stating I need to call them. They do not offer a way to email them. They are trying to violate my rights as well as steal my home from me. I was never offered what I was supposed to be offered. I did not have {$13000.00} because I paid {$17000.00} when buying my home. This amount was to be added to the end of my loan, as well as the numbers they have tried charging me were all incorrect. I was accepted by the HAF program and eligible but yet they do not want that to happen.
Consumer complaint received 2021-10-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (MD)

The company collections is impacting my credit. 
A dispute was done in XXXX, XX/XX/XXXX {$510.00} Midland funding LLC XX/XX/XXXX ( 3 yrs, 9 mos )
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX, experian, and XXXX has violated my privacy which is a violation of the FCRA. XXXX XXXX continue to list a dismissed bankruptcy as confirmed. I am aware that XXXX XXXX receive their information from a third party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.