davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (TN)

I should not receive a bill from a debt collector on this account. I have been covered under Medicaid since 2018!! I have not received a letter from this agency to even be provided with a chance to dispute this account. This is now on my credit and if it is not removed immediately, I will seek litigation against this third party company as well as the physician 's group!
Consumer complaint received 2021-03-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2020-07-20
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: EQUIFAX, INC. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXXXXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2024-02-22
Product: Credit reporting 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. (SC)

After receiving a copy of credit report following a dispute, I noticed unauthorized inquiries on my report. 
XXXX on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XX/XX/XXXX I was notified of a hard inquiry on my credit report from Transunion. The same day, also on XX/XX/XXXX, I received a confirmation email from XXXX 's congratulating me on my new XXXX 's XXXX  card, issued by XXXX  XXXX. I can't even remember the last time I went into XXXX 's ( if I ever have ) and I NEVER applied for this credit card. 

About a week later, the XXXX 's card showed up in my mailbox. When I called the " card services '' number listed, the person I spoke to immediately said she needed my social security number. I didn't feel comfortable offering this information and I hung up. 

Furthermore, I almost missed both the credit alert and the initial XXXX 's email because they were buried in what I have since learned is called subscription bombing. On XX/XX/XXXX, my email was flooded with hundreds of confirmation emails from hundreds of random websites.
Consumer complaint received 2021-11-03
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (CA)

In XXXX and XXXX of 2020 I was terribly sick with XXXX, it took me out of commission for 3-4 weeks. For 3-4 weeks I was bedridden, I had to take time off from work and couldn't do much of anything. I thought I had set all of my bills to autopay and that my Santander Car lease bill was on autopay as well. However in XXXX of 2020 I was contacted by Santander and they said the lease payment was past due, however I the representative from Santander told me that if I made the payment with her over the phone it would not be reported late to the credit bureaus. I made the payment with her over the phone, but in the months that followed I did see it reported as late on my credit report. I have tried to resolve this situation with Santander and the credit bureaus but no one seems able to help me. The Santander Consumer USA car loan has already been paid in full.
Consumer complaint received 2018-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (FL)

I had a credit card with XXXX XXXX which was paid in full by my XXXX XXXX XXXX they sold it to a another company which is XXXX XXXX and they are now trying to get me to pay that balance again plus they have added fees to it. Please have this removed from my credit report.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XX/XX/2013 Acct XXXX Statute of limitations has passed and I have attempted to resolve this matter with an agency as well with no result.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!
Consumer complaint received 2020-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2020 CqpitalOne decreased my credit limit from {$6500.00} to {$1500.00}. I have been a loyal client and have on recurring charge on the account every month {$2.00} plus tax for a total of {$3.00} every month. Other than that I do not use the card or make any other charges. I have a perfect payment history with them and my credit score is good and has not changed to warrant a decrease. I make over $ XXXX a year and I am salaried and an essential worker during these times with no risk of losing my job that I have had for over 9 years. My credit score is going to be harmed due to CapitalOne reducing my credit limit for no fault of my own because my available credit is going to decrease by $ XXXX naturally making my credit usage percentage increase and also showing my available credit as a decrease. I contacted CapitalOne directly to see if they would restore my credit limit and they told me due to current economical times they would not. This is extremely unfair to me as I have good credit that will be damaged because I decided to do business with this terrible company. Again, salaried over $ XXXX per year, long term client, active account with very small recurring purchase, perfect payment history. CapitalOne choosing to decrease credit line due to no fault of my own and damaging my credit score. Extremely unfair. I would like my credit limit restored. Thank you.
Consumer complaint received 2020-08-21
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: Synovus Bank (FL)

I was reviewing my credit and found that Synovus/XXXX on XXXX XXXX had reported a 60 day late payment to credit bureaus after calling and requesting a explanation. Found out that double payments had been made assuming that they would be credited to the following month. That was not case, at that point was ask if we could pay {$61.00} now and that they could put the account in forbearance until XX/XX/XXXX. After numerous calls disputing the late payments being reported to credit bureaus. Which we where never asked to paid during the conversation and told that everything was find until XXXX. We assumed that late payments reported to the credit bureaus would be removed. During one of my calls with the collections Supervisor I was that the late payments started in XXXX of XXXX but where not reported to credit bureaus until XXXX of XXXX I believe as part of the Fair Credit Act it must be reported 100 % accurately across all the credit bureaus it must be deleted. Please remove all payments.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MD)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX   respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that  since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Santander Bank Loan # : XXXX To whom it may concern : I am writing this letter to explain my situation regarding my forbearance process on my mortgage. I called on XX/XX/2020 to discuss my mortgage forbearance, I spoke to XXXX XXXX who identified herself as the senior Specialist Relationship Banker to inform her that I wish to discontinue the process of my mortgage forbearance. I informed XXXX that my monthly mortgage payment is available and can be deducted from my account monthly. As discussed with her the monthly payment was deducted accordingly from my Santander account while its being in forbearance. XXXX informed me that she will remove it from my account and mail me a letter regarding the discontinuation of forbearance on my mortgage. I have not received that letter and I am still in forbearance. Please discontinue my mortgage forbearance on my account. 



Please anything you can do to expedite the process will be greatly appreciated as the error affects my credit report. 

If you have any questions feel free to call me anytime by email XXXX or by phone XXXX Sincerely and Respectfully, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX number XXXX X XXXX Fax XXXX
Consumer complaint received 2021-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (SC)

My home mortgage was bought by Amerihome Mortgage. I set up auto pay with them. My mortgage agreement clearly stated NO escrow account for taxes and insurance as I personally review/pay these annually. Amerihome mortgage began, without my permission, have for the last three months added an additional {$1100.00} to the auto payment. I have contacted them 3 times and spoken to three different people. There customer service is a call center and can only write work orders, are unable themselves to escalate the issue and can not give me a name or number to directly talk to Amerihome Mortgage. The work orders just seem to be ignored. At the moment I have no way to resolve this issue and be reimbursed the extra money they have withdrawn from my account. In addition I wonder how many others have had this problem. The extra money they are holding could, if they were doing this to lots of people, could be a substantial benefit to them. Just not sure where to turn now.
Consumer complaint received 2020-07-20
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: EQUIFAX, INC. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.
Consumer complaint received 2020-07-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (GA)

I was a co-signer for a car that after signing the paper work I found out that Santander stated they did not need paystubs to verify if the person could afford payments. I called them to report that the car dealership had made up paystubs and that's when Santander stated no paystubs needed. Well the person defaulted and I ended up taking the car as of XX/XX/2020. I have been making on time payments since. My issue is that when a balance gets lower so should the interest rates but that is not the case. Since XXXX the interest rates varies (? ). I called them today and they could not give me an answer for this. They are predators! Please see below the statements since I have taken over in XXXX. These people should be investigated for allowing false documents be overlooked just so they can make money and victimize innocent people.
Consumer complaint received 2021-03-02
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: DISCOVER BANK (NY)

Since in the previous response ( XXXX ) the company did not provide me with the documents that I requested, please draw your attention to my complaint again. In the previous letter I was not provided with any of the documents that I requested. There is an unknown charge-off on my credit reports. Im requested the verification of the charge-off and the method of verification. DISCOVER BANK. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.
Consumer complaint received 2021-02-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: GreenSky, LLC (NC)

SOMETHING IS SERIOUSLY WRONG WITH GREENSKY. I HAVE MADE THREE PAYMENTS WITH THREE DIFFERENT CONFIRMATION NUMBERS AND ALL ARE REFUSING TO POST TO CONTINUALLY TEXT AND EMAIL ME WITH HARASSING AND THREATENING WITH BAD CREDIT. ALL NEED TO DO THEIR JOB AND STOP HARASSING AND THREATENING ME. STOP TEXTING AND EMAILING ME WITH THEIR STUPIDITY. THEY NEED TO CHECK THEIR PHONE RECORDS AND POST THE PAYMENTS. THEY NEED TO DO THEIR JOB OR GET SOMEONE THAT IS CAPABLE. IT STATED THAT IT COULDNT FIND MY ACCOUNT BUT IT CAN CONTINUALLY TEXT AND EMAIL ME WITH THE INFORMATION ON THE ACCOUNT. I HAVE PAD THREE PAYMENTS WITH TWO BEING PAID BEFORE THE DUE DATE. I AM NOT BEHIND. I AM AHEAD WITH TWO PAYMENTS. SO, NEED TO POST THE PAYMENTS AND STOP HARASSING AND THREATENING ME. STOP CONTACTING ME WITH ITS INCOMPETENCE AND GET SOMEONE WHO KNOWS HOW TO POST PAYMENTS TO MY ACCOUNT. IT NEED JUST CHECK ITS PHONE RECORDS AND POST THE PAYMENTS THAT IT AS REFUSED TO DO. IF YOU CAN CONTACT ME YOU CAN POST TO MY ACCOUNT THAT IS WHERE YOU GOT THE CONTACT INFORMATION. JUST GET SOMEONE TO DO THEIR JOB AND STOP HARASSING ME. THE CONFIRMATION NUMBERS ARE XXXX ON XX/XX/XXXX, XXXX ON XX/XX/XXXX AND XXXX ON XX/XX/XXXX. MY PAYMENT HAS NOT BEEN BEHIND BUT AHEAD. IT JUST WANTS TO HARASS AND THREATEN ME WITH BAD CREDIT. EMAILING AND TEXTING ME SAYING IT COULDNT FIND MY ACCOUNT FOR THE REASON IT COULDNT POST MY FIRST PAYMENT. YET, IT IS USING INFORMATION IN THE ACCOUNT TO CONTACT ME. AFTER BRINGING THIS TO ITS ATTENTION THEN IT TRIED TO BLAME IT ON MY BANK INSTEAD OF JUST DOING ITS JOB OR GETING SOME ONE ELSE TO POST THE TRANSACTIONS TO MY ACCOUNT.I AM TWO PAYMENTS AHEAD. I AM NOT BEHIND. I AM WARNING EVERYONE I KNOW NOT TO DEAL WITH GREENSKY, ITS PARENT COMPANY AND XXXX HOMES. ONE THING FOR SURE THERE WILL BE NO REFERALS FROM ME. NOW, IT NEEDS TO STOP HARASSING AND THREATENING ME WITH BAD CREDIT. 
THANK YOU,
Consumer complaint received 2015-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (OR)

PHH gave incorrect and misleading information on how to correct my final acceptance packet. They never corrected the problem as promised and misled me during the process. 
When they had n't corrected my packet as promised, they went to forclosure on my property never taking responsibility for mistake. Please make them correct my accepance packet. I did everything that I was ask for in a prompt matter.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I'm writing to delete the following information in my file. The items I need deleted are listed in the report. 
I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.
Consumer complaint received 2020-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was very upset when checked credit report and found out a few negative accounts. They are fraud and I never opened them before. Please see accounts belong and remove them as soon as you can. 
XXXX XXXX opened XX/XX/XXXX acc # XXXX XXXX  XXXX opened XX/XX/XXXX Acc #  XXXX XXXX opened XX/XX/XXXX Acc # XXXX I attached all documents what you need included Identity Theft report. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts.
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One is reporting erroneous late 's on my account. I recently checked my credit file and noticed these delinquent notations. My payments were on auto draft and i'm not sure why these are being reported. I never received a letter, notice, or phone call about the late payments. This is a mistake made by the bank, I have never been late on this account. I would like the late 's to be removed.
Consumer complaint received 2021-03-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Betterment LLC (NY)

I am writing to report the misconduct of Betterment bank and file the complain report against their checking account sign up promotion campaign. I completed all the requirement to fulfill the sign-up bonus but Betterment has not correctly responded to my request and refused to honor the offer. My visits with following numbers : XX/XX/21 XXXX XXXX Shopping trip ID XXXX XX/XX/21 XXXX XX/XX/XXXX Shopping trip ID XXXX XX/XX/21 XXXXXX/XX/XXXX Shopping trip ID XXXX XXXX XXXX is the date when I opened my checking account with Betterment and the promotion campaign was {$120.00} dollars. However, after I successfully funded my account, Betterment didn't honor the offer and terms. Instead, they informed it was their third party 's contractor 's ( XXXX ) fault.