davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (AL)

I was Sued By collection company own XXXX with no verification own the debt I have sent verification letter certified own XXXX for them to show me proof of debt and debt amount. They harassed me with several phone calls and they also showed up to my house and had a conversation with my son who has XXXX  needs and ask him information about me. XXXX or XXXX have not responded to my dispute letter that I sent certified I sent the first letter XXXX no response I sent another dispute letter own XXXX no response I need proof this is my debt and the amount..
Consumer complaint received 2018-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Windham Professionals, Inc. (LA)

For the time that I have been out of school, my student loan has bounced around to different " creditors. '' Each time it has been " sold '' to them, another surcharge has been added. According to my calculations, they've tacked on almost another {$1000.00} dollars on top of my {$3500.00} dollar loan. I have set up payment plans numerous times for them to be paid for about six months and then suddenly stop, putting my loan back in to default and adding on more surcharges. 
Now, my account is currently being overseen by Windham Professionals. I spoke with them around the beginning of XX/XX/XXXX, they were trying to set up yet another payment plan, stating my loan was yet again in default. When I asked to young lady to provide me with any statements or records of my account, she caught an attitude, claiming that I should have records of everything I paid and that it wasn't their responsibility to provide me with any information. 
To me, this seems like I'm being scammed. There should have not been any reason to put a stop on any payments i was making. This seems like they are purposely putting a stop so they can add more fees and collect more money from me. 
In XX/XX/XXXX alone, I paid off {$2000.00}.

in XX/XX/XXXX, another {$510.00} That is just what I've been paying since I've been working at XXXX. I do not have access to the statements from previous employment when I was set up to make payments automatically. 
They are currently saying I still owe over {$2000.00}
Consumer complaint received 2021-07-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2021-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/2019 my bank account was closed for no reason at all without sending me a letter or an email not even a call and I never knew the reason why I cant open any new bank accounts in any bank company because of this problem that Iam having Im a victim of identity theft and I dont know why Ive been trying for the past 2 years to open a new account and Ive been trying my best to see what the problem is for I can solve it and get direct deposit and now that Im working I dont have no direct deposit no bank account nothing
Consumer complaint received 2021-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Bank I had taken loan out with recently sold mortgage and Shellpoint Mortgage Servicing is new servicing agent. They asked for copies off insurance and I have faxed them proper papers ( XX/XX/ XXXX  ), then emailed them ( XXXX ) prior papers ( AS SAID NO RECORD ). TODAY I RECEIVED ANOTHER LETTER STATING THEY DID NOT HAVE AND CONTINUE TO THREATEN ME WITH HAVING TO PAY EXTREME AMOUNTS FOR INSURANCE. Shellpoint Mortgage servicing loan # XXXX. I have never had a problem with prior company and have less than 5 years left on mortgage. 

Companies like Shellpoint are praying on the elderly and trying to cause us mental anguish. Obviously they do not have their act together and should be heavily fined and have to provide restitutions to the borrower.
Consumer complaint received 2018-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IN)

On XX/XX/XXXX, I attempted to change my Auto Pay settings so that my bank account would debit more than the minimum payment amount. Navient 's FAQ indicated that to make changes to Auto Pay, I would need to cancel and re-enroll. After unenrolling, my interest rates were increased by 0.25 %. I attempted to re-enroll my bank, but my bank information was erased and I was not allowed to make automatic payments beyond the minimum. I attempted to enroll in Auto Pay again on XX/XX/XXXX, and I was informed it would take about 3 business days to re-enroll. On XX/XX/XXXX, my account still does not have Auto Pay enrolled, so I reached out to Navient by email. In response, they said that they can't make adjustment since it is within 14 days of XX/XX/XXXX ( my payment due date ), which it is not. I attempted to re-enroll on XX/XX/XXXX again. I have not received any correspondence on getting my bank re-enrolled in Auto Pay and in the interim, Navient has increased my interest rate unfairly.
Consumer complaint received 2021-12-08
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: MUSA Holdings, LLC (CA)

I noticed false reporting XXXX  inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX XXXX  Musa Auto Finance XXXX  have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021
Consumer complaint received 2019-04-25
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. (NJ)

There are three creditors that are reporting accounts on my credit report that I did not authorize to be opened. The accounts are XXXX, XXXX XXXX XXXX and XXXX XXXX all these accounts were opened without my authorization and need to be removed from my credit report. I have attached a FTC Affidavit and Police Report. Please remove the accounts and send me an updated credit report with said changes.
Consumer complaint received 2021-05-27
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. (AZ)

The bureaus are reporting erroneous items on my credit. I had previously filed a dispute and have been for months now and have yet to see any letters or changes to my credit. I have attached the letters that I most recently sent. Please send me results immediatley.
Consumer complaint received 2018-07-27
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. (IL)

On XX/XX/2018 I received notification from Equifax credit bureau of a collection item being placed on my credit report. The collection item was from XXXX XXXX XXXX for XXXX being represented by XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I never received a notice from XXXX XXXX XXXX about this debt, and was not given 30 notice to dispute the validity of it. 

The information has not been verified, thus inaccurate, erroneous, non-verifiable when I called the collection agency, but it is being report on report. Equifax is reporting this inaccurate information on the status, account, date open and closed, amount, payment history etc.
Consumer complaint received 2021-04-29
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. (UT)

Comenity Bank/Victoria Secret is reporting lates on my credit file. These lates are for the months of XX/XX/20 and XX/XX/20. During these months the pandemic first hit and i was out of work for those couple months i was late on. The pandemic severely impacted my financial situation and i couldn't go back to work even if i wanted to. I have since then made all my payments on time and plan to continue this way. The lates were due to the pandemic hitting us and i am asking that you remove the late remarks from my credit file as making the payment 's was completely out of my hands.
Consumer complaint received 2021-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Bread Financial Holdings, Inc. (WI)

Comenity Capital Bank will not provide a monthly statement for XX/XX/2021. I sent a letter, on XX/XX/2021. My letter reads : " This is a Billing Error Notice.... Please make available to me a monthly statement for XX/XX/2021. Although my account has a XXXX  balance, there was activity. ''
Consumer complaint received 2021-05-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My HIPPA Rights and my privacy rights have been violated and not taken seriously by XXXX XXXX, and transunion. Also, the collection companies that are involved failed to notify me 5 days it report on my consumer reports. According to 15 USC 1692g validation of debt, the collection agencies my rights were violated. Another thing is that I mailed this to them XX/XX/2021 and Its XX/XX/2021 and I have not received a letter from them and they have not issued a notice of dispute on the accounts and its well over 30 days.
Consumer complaint received 2018-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

RE : Hard Inquiry/Unverified on my behave. 
I recently checked my credit reports with XXXX, XXXX, Transunion. 
I have a Hard Inquiry from company : XXXX Hard Inquiry done on : XX/XX/2017 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY I mailed a letter to XXXX  Dispute center and to the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX have not yet received any return correspondence, at All.From neither companies.
Consumer complaint received 2021-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (NV)

Twice PNC Bank has opened a checking debit card account without my authorization. I have never banked with them. Numerous calls have gone unreturned. I have not given them my information or signed any agreement so they should not be opening anything without my consent. Their fraud department has done nothing.
Consumer complaint received 2018-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Auto Trakk, LLC (MI)

I would like to make arrangements to settle the above referenced matter.

Please provide me with your statement of the amount owing as of XX/XX/2018, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form.
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Citizens bank has said TWICE now they have " run my credit '' for a credit card application. I have verified via my report they have not pulled my actual information. They have returned twice now I am not found, no credit history. Etc. They did not even respond to my first CFPB complaint and just found out yesterday they " closed my case '' without speaking to me. They clearly are performing serious fraudulent activities and will not even speak with me about what has happened. I was attacked on the phone and screamed at by a " XXXX '' whose only point was to tell me we had never spoken before. We didn't speak any further occasions either. Nor did any other members of this so called bank follow up. They just closed the issue with zero resolution.
Consumer complaint received 2020-10-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Social Finance, Inc. (TX)

On XX/XX/2020, I opened a " Money '' account with SoFi. The " Cash Back Terms '' for this account said, " For each eligible transaction made within 60 days of the date your new SoFi Money Account is opened, SoFi will credit your account for an amount equal to 5 % of each eligible purchase, up to a maximum of {$100.00} during the Promotion Period. '' By XX/XX/2020 ( well within the 60-day limit ), I had made more than {$2000.00} of eligible purchases, meaning that I should receive {$100.00} cash back. SoFi has never credited my account with any cash back ( see account history ). 

On XX/XX/2020, XX/XX/2020, and XX/XX/2020, I chatted with SoFi to try to resolve this issue ( see various transcripts ). On XX/XX/2020, I was told that I met all the requirements for the {$100.00} cash back, and each time I was told that SoFi was working on the problem and that it would be resolved in 10 business days ( after XX/XX/2020 ) or 3-5 business days ( after XX/XX/2020 ). But even after all of these communications, SoFi has still not credited my account with the {$100.00} cash back. 

I am uploading the terms of the account ( XXXX Sign Up Earn 5 % Cash Back SoFi XXXX ) ; chat transcripts from XX/XX/2020, XX/XX/2020, and XX/XX/2020 ; an email showing that a ticket was created on XX/XX/2020 ; and an account history showing all transactions on the account to date ( XXXX Account History SoFi - XXXX ).
Consumer complaint received 2021-10-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021, l mailed in dispute letters that had inaccurate information about my credit report. I am reaching out to you for help to get these items removed from my report as it is illegal to report inaccurate information. I will be seeking litigation due to the inaccurate information on my report.
Consumer complaint received 2021-05-27
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN ADVISORS GROUP (MN)

My husband and I closed on a Reverse Mortgage from American Advisors Group in XXXX of this year expecting to be able to gain access to the equity in our home by next XXXX. Instead, after closing, we were told that the equity would be used to pay our taxes and insurance on the home only. This was neither explained to us before the loan closing or after when we questioned this.Had we realized that we would have not access to our equity for the life of the loan, we would not have closed on this loan. Our home is 72-years-old and in need of a few major repairs including replacement of our heat/air conditioning unit and the siding on the back of our house. I fear that they can foreclose on our home because we did not make these necessary repairs. We asked why our loan was structured like this but did not receive a reasonable explanation. We tried to talk to anyone at AAG to get further details but no one called us back. I understood that the spirit of this loan was to help seniors to make repairs, pay off debts and other expenses, not pay our taxes and insurance only for the rest of our lives.
Consumer complaint received 2021-05-27
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: Army and Air Force Exchange Service (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2018-07-27
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. (AZ)

I have disputed several false credit inquiries to XXXX. I also called the companies to remove the false information. XXXX  continues to break the law by denying my dispute calls and letters. They continue to deny me a fair detailed credit investigation. Which is against the FCRA guide lines.
Consumer complaint received 2023-03-10
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: ERC (FL)

I AM NOT AWARE ABOUT THIS COMPANY HOWEVER I AM CHECKING MY CREDIT REPORT AND HOWEVER THIS ACCOUNT HAS PUT A HUGE INDENT IN MY NAME. I AM ASKING THAT IT BE INVESTIGATED AND REMOVE. I HAVE NOT SIGNED UP OR GAVE ANYONE MY SOCIAL TO UTILIZE FOR ANYTHING. 
I HAVE NEVER LIVED AT THE ADDRESS ASSOCIATED TO THIS CREDIT CARD NOR HAVE I OPENED AN ACCOUNT THIS BANK. I AM ASKING FOR HELP FROM BOTH PARTIES.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TN)

On Approximately XX/XX/2023, I contacted LexisNexis aka XXXX XXXX and requested a copy of my consumer report and to place a security freeze on the account. On or about XX/XX/XXXX, I received confirmation of the freeze, but not the consumer report so I called to inquire about the report and was told it wasn't requested so I would have to do so in writing. So again I submitted the request also with verification documentation. Approximately XX/XX/XXXX, I received a link and password to the report which didn't work. 

On XX/XX/XXXX, I called to get support with accessing the report and also stated that I would like to dispute some items on the report. XXXX told me there was already a dispute and I replied, how is that possible when I haven't even seen the report so I would like to start a dispute now, she hung up on me. 

I called back and got XXXX, agent # XXXX from the XXXX who refused to take the information I wanted to dispute. I reminded him that I have a right under the FCRA to dispute any data they collect and that I never authorized or consented to them sharing any information about me, especially unverified public information. 

After several minutes of refusing to take my dispute, I advised him I was recording the call and would report them to CFPB and the Attorney General 's office or whoever I could report the too for violating my rights. 
XXXX finally began taking the dispute, but when I got to the section regarding the bankruptcy, he flat out refused to place the dispute. He insisted that it had already been verified and he would not put it in the report. I then asked for the method of verification. What clerk had they spoken with, what was the phone number and in which court. I then reminded him again that I was recording the call. I advised him that Indiana XXXX XXXX would not verify any such information and he could find that on their website, so unless he could show proof, I want all of the items I requested to be deleted. Finally he began the report and gave me a reference number. Then I noticed that their other company XXXX also had a report, and I asked to dispute it as well. They had a XXXX page report spanning over 30 years with people and places I either didn't know or addresses I never lived. I don't believe he actually submitted the dispute and that is why I am submitting this complaint..
Consumer complaint received 2021-10-21
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. (PA)

I have contacted TransUnion about a bankruptcy that is reporting on my credit. I contacted the US Bankruptcy Court and was informed that they do not provide information to credit reporting agencies nor do they validate and/or confirm public records. A letter was mailed to TransUnion on XX/XX/2021 asking them to remove the bankruptcy and they sent a letter back refusing to remove it.
Consumer complaint received 2021-05-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (CT)

The attached email demonstrates our problems with BSI Financial Services. We have continually asked them to validate the sums they are capitalizing for unpaid interest and escrow amounts. You can see what they are providing. We have also asked for them to show us the removal of non-payment reports while we are in the process of getting the mortgage modification and they ignore it. We originally applied for this in early XXXX and they took until XX/XX/XXXX to reply. We really need your help on these matters. 

Thank you XXXX
Consumer complaint received 2018-07-27
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. (CA)

Re : Hard Inquiry/Unverified on my behave. 
I recently checked my credit report with Experian, XXXX, XXXX. 

I have One Hard Inquiry from Company : XXXX XXXX XXXX Hard Inquiry date : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX