davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Supreme Lending (TX)

This is the second request for help with my mortgage. I currently owe XXXX to prevent foreclosure. I was denied a second time any workout options. I am required to pay the full XXXX before XXXX XXXX. I explained to my mortgage company that my husband got a part time job for more income but no other options were offered. 

Please help me.
Consumer complaint received 2020-09-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Lending Club Corp (WA)

I have no idea why it says I have had a late payment on my credit card! Ive never missed a payment. I checked my credit and I have a late payment! I know I didnt miss a payment. Im going through a really difficult time making sure everything is payed for because Im trying to buy a house and I just loss my father due to covid on top of that being a mother of XXXX  has been rough. Please help me resolve this
Consumer complaint received 2021-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (NC)

I was offered a settlement agreement beginning in XXXX, XXXX through XX/XX/XXXX with six payments of {$170.00} ceasing in XX/XX/XXXX. MY understanding from the representative, XXXX ( credit specialist ) that the NEW agree would override the OLD account and would be REPORTED with the UPDATED settled amount which was paid out. XXXX has FAILED to report my payments as POSITIVE and settled. She/CONNS also continues to put NEGATIVE marks on my credit in which shows negative on my credit to OTHER* creditors. There should not be ANY and I mean ANY remarks on my credit after XX/XX/XXXX with my last payment to CONNS on that date XX/XX/XXXX. PLEASE have them to back date and remove ALL and EVERY NEGATIVE remark fromXX/XX/XXXX-XX/XX/XXXXXXXX XX/XX/XXXX, XXXX Documentation has been sent. I have disputed this but of course everybody plays games. This seems like a DISCRIMINATIVE issue and it NEEDS to be RESOLVED ASAP. 
XXXX @ CONNS # ( XXXX ) XXXX OR CONNS Direct # ( XXXX ) XXXX Thank you, XXXX XXXX XXXX XXXX ) XXXX Leave messages at both XXXX XXXX
Consumer complaint received 2017-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (PA)

My loans were originally around {$80.00} thousand. After working with Nelnet the past few years my loans have increased to {$95.00} thousand. I have been in a deferment status for most of the year while they were " processing '' the annual evaluation of my income based repayment plan, this took nearly 5 months. I 've been with the same emplyer since XXXX 2015. My salary only increases around XXXX dollar every year. My first year with Nelnet my monthly payment was under {$300.00}. The next year my payment was close to {$500.00}. I was also contacted by XXXX XXXX aka XXXX who offered to help get my payment down to under {$200.00}, they warned me that there was a federal lawsuit against Nelnet 's parent company XXXX and that I should no longer keep them as my provider. XXXX offered to get me a new loan servicer for a monthly fee of {$40.00}, and received a letter 3 months later from Nelnet that {$2.00} thousand would be added to my loan and that they were still my provider. This never ending process of adding interest to my loan seems unethical and legal. I 've been wanting to contact a lawyer to dig deeper, but feel insecure that I might not have that correct understanding of how the system works. At this rate I will pay my student loan well into my grave, which will then probably acquire interest in the afterlife as well.
Consumer complaint received 2018-07-16
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. (NY)

On XX/XX/2017 XXXX gave me a hard pull which I did not authorize. I never did any business or got a loan from this company. This is fraud and I would like it removed from my file as soon as possible. I had spoke to there customer service team and they had said would remove any hard pull since I never authorized it.
Consumer complaint received 2020-09-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

Please be advised that this is my THIRD WRITTEN REQUEST as I have sent certified letters asking UNITED REVENUE CORP to remove the unverified accounts listed below that remain on my credit .report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report.

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold. Accounts are as followed : Collection account  from UNITED REVENUE CORP with account # XXXX and a balance of {$330.00}. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 

Collection account from UNITED REVENUE CORP with account # XXXX and a balance of {$940.00}. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 

Collection account from UNITED REVENUE CORP with account # XXXX and a balance of {$830.00}. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 

Collection account from UNITED REVENUE CORP with account # XXXX and a balance of $ XXXX never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 

Collection account from UNITED REVENUE CORP with account # XXXX and a balance of {$500.00}. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 

Collection account from XXXX XXXX  with account # XXXX and a balance of {$2200.00}. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 

Please re-investigate these matters and delete or correct the disputed information as soon as possible.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (CA)

I have disputed a charge that was paid off months ago several times through XXXX and directly with Midland Credit Management. I have uploaded the letter from the law firm Midland hired to collect the debt ( XXXX XXXX XXXX ) confirming the debt was paid in full, copies of the check and bank statements and they still have denied my disputes and will not update.
Consumer complaint received 2020-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I applied for the Capital One Quicksilver card last month, my application was pending because I needed to send in documents to identify myself. I sent the documents last month but still the application is pending. 

I have also attached my documents to this dispute so Capital One can't say they never received them.
Consumer complaint received 2020-05-08
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. (CO)

Equifax ; XXXX XXXX XXXX are reporting incorrectly that I am XXXX XXXX XXXX days late on the DEPTEDXXXX  partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan XXXX, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2024-05-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Google Compare Credit Cards Inc. (AR)

I have a XXXXXXXX XXXX  account under XXXX and I have a {$100.00} balance on my account and I been trying since XXXX to have the money sent back to me cause they have my account suspended. And I was told that they lifted the suspension but they never did so now they are keeping my money on that account and refusing to give it back after I was told several times that my account was was not suspended but it never was lifted after they told me that they lifted the suspension several times. They are illegally holding my money and not returning it
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

RASH CURTIS & ASSOCIAT Collection account. {$280.00} past due as of XX/XX/2024. 

I am writing to formally request validation of the debt referenced in your recent communication. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am entitled to request and receive proof of the debt you claim I owe.
Consumer complaint received 2020-09-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (WA)

Our family and the families of our cosigners are XXXX and people with Limited English Proficient ( LEP ). 
When applying to Sallie Mae Bank for a student loan to pay for tuition at XXXX University, we did not receive any explanation from this Banks about the financial risks for the borrower and his cosigners. That is, no clarifications were provided either in English or in XXXX through an interpreter ( XXXX is our native language ). We were not told what amount of payments is expected and what consequences the delay in payments, the inability to make payments, and so on will entail. It seems that Bank is simply trying to involve more people in the process of obtaining a student loan for his greater safety, that is, Bank puts his financial security first, and not the financial security of his customers. 
As practice shows, when requesting a credit line, any bank limits the amount of the loan and this is not considered discrimination. This is a concern for the financial security of the borrower. 
We paid the required amounts on time throughout the entire time. We continued to behave responsibly towards Bank and our cosigners. We made several full payments in Sallie Mae Bank even while our son is still student. We continue to make payments to Sallie Mae Bank, but our financial resources have run out. 
Now our son can not find a job, because in connection with the COVID-19 pandemic, employers will extend staff reductions, not hiring, Again,  we were ready to pay off the student loan debt in accordance with our income. But now, given the dismissive attitude of Sallie Mae Bank towards us as his clients and his unwillingness to provide us with any assistance in a difficult economic situation, we consider it fair to cancel the existing contracts for student loans.
Consumer complaint received 2017-08-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (IL)

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX to XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

RASH CURTIS & ASSOCIAT Acct # XXXX I am writing to formally request validation of the debt referenced in your recent communication. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am entitled to request and receive proof of the debt you claim I owe.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Pendleton & Sutton LLC (OR)

I dropped my debit card while I was on the way to work. The card was picked up by someone I don't know and used at 3 locations, resulting in my account having less than a XXXX  of funds. Shortly after I noticed this, I called the bank and informed them of the fraudulent charges. I communicated through e-mail as well. I have since not received any provisional funds, or otherwise. The account was provided by XXXX.
Consumer complaint received 2020-05-20
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: JPMORGAN CHASE & CO. (TX)

XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX  XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX 2  inquiries will be removed soon from your credit report. 

all ftc violations a sent XXXX/amazon XXXX
Consumer complaint received 2017-08-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (IL)

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Experian is reporting an incorrect unverified bankruptcy on my credit report and claimed to have verified with XXXX I have contacted XXXX and received copy of my reports both verified and unverified and does not reflect any bankruptcy being reported on there but yet they claimed to have verified it i would to give them the final opportunity to fix that before legal action is taken
Consumer complaint received 2020-09-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2024-01-29
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Alorica Inc. (WA)

CFPB team, SST/XXXX XXXX Please remove the account SST/XXXX  for failing to provide the original signed the consumer contract per section XXXX ( a ) ( XXXX ) ( A ) of the FCRA. I have requested the signed original contract They have not sent me anything with my signature instead they have mailed me account statements which do not constitute as the signed consumer contract yet this company continues to violate my consumer rights. Please delete the account immediately.
Consumer complaint received 2020-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NJ)

I have been repeatedly getting spam mail from TD Bank for the past 3 years. 

I first complained about the spam mail to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX ( Complaint # XXXX XXXX. 
At that time, TD Bank responded to the CFPB complaint by claiming I could permanently opt out of all spam mail from them by using a link they provided in the response. 
So, I used the link they provided in the response to permanently opt out of all spam mail from them. 

But then, in XX/XX/XXXX, I once again started receiving the same spam mail from TD Bank as before. 
So, I filed another CFPB complaint about the same issue on XX/XX/XXXX ( Complaint # XXXX XXXX. 
This time, TD Bank responded to the CFPB complaint by claiming they had permanently removed my name and address from their mailing list to completely stop all spam mail. 

But then, in XX/XX/XXXX, I once again started receiving the same spam mail from TD Bank as before. 
So, I filed a XXXX XXXX XXXX ( XXXX ) complaint about the same issue on XX/XX/XXXX ( Complaint # XXXX ). 
This time also, TD Bank responded to the XXXX complaint by claiming they had permanently removed my name and address from their mailing list to completely stop all spam mail. 

But then, in XX/XX/XXXX, I once again started receiving the same spam mail from TD Bank as before. 
So, XXXX re-opened Complaint # XXXX about the same issue and asked TD Bank to respond to it. 
This time also, TD Bank responded to the XXXX complaint by claiming they had permanently removed my name and address from their mailing list to completely stop all spam mail. 

Last week, I received the same spam mail from TD Bank which I had received before on several occasions. 
Under the CAN-SPAM Act, once a spam recipient opts out of spam sent by a sender, the sender is legally requited to honor such an opt-out request. 
But instead of complying with the law, TD Bank keeps blatantly lying ( in their response to every complaint ) they have honored the opt-out request when, in fact, they have done no such thing.
Consumer complaint received 2023-07-26
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)

I submitted a letter to the XXXX and Transunion Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$3900.00}