davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-16
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (WV)

A debt collection agency. MERCANTILE ADJUSTMENT BUREAU, has placed a collection on my credit report in the amount of {XXXX}, to be reporting until XXXX, last updated XX/XX/XXXX. According to the WV state tax department, as of XXXX/XXXX/XXXX they are NO LONGER LICENSED to collect debt in my state. When called on, they sell debt to a sister company.
Consumer complaint received 2023-01-30
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX, Account name : XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-06-08
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. (SC)

Submitted a dispute online via Experian upload. I faxed in the same disputed to Equifax and I mailed one to XXXX. I tried the online and fax method thinking it would be quicker to get viewed, I wasn't able to set up my XXXX account info so I mailed it in. Its been more that 30 days, I called each bureaus and to my surprise, found out that each agency outsources their inbound calls to call centers around the world. I am not opposed to saving money so I understand it, but so much information of consumers has already been leaked, hacked, exposed in breaches and sold online, I would think that Americans personal and financial information would be more secured. I am a victim of identity theft, I am trying to get several accounts removed from my credit report, most of these accounts were opened when I was away in the military. I would like for the documents that I am attaching to be forwarded to the agencies for review and resolution.
Consumer complaint received 2024-03-29
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The creditor is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : NAVIENT XXXX
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/ Capital One credit card reported to XXXX that I was 30 days past due for {$15.00}. My credit score dropped 43 points 7 days before closing on my house. My statement closing date is the XXXX of each month and I have autopay. Reported inaccurately.
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (OK)

XX/XX/XXXX I received an Escrow Analysis from SLS, Mortgage. It showed I had a deficit of {$250.00}. I questioned the deficit because I have always applied overpayment of my monthly mortgage payments to escrow account. I contacted SLS, Mortgage on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and most recently XXXX. Each time no one could explain the deficit. Also, I questioned why my mortgage payments were not consistently the same amount during the year XXXX when I have a static interest rate and loan. Again, no one could answer the question. I requested a Supervisor call back from Escrow. Rec 'd call from Supervisor who could not explain, but says they are in the process of having a department specifically to handle Escrow escalations. I never heard back from SLS. I then emailed them by the email address on their website for contact. I received an email reply, simply saying " my request had been previously addressed ''. To avoid any increase in my Mortgage and non response from SLS, I paid the deficit to avoid an increase in my mortgage payment. I contacted SLS on XXXX to verify payments to Escrow was received and what my house payments would be. Again, they could not confirm and said they would have a Supervisor to call me. This company can not provide me with any accurate information, so I am forced to pay the a mortgage payment that can not be substantiated with evidence.
Consumer complaint received 2018-07-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (NY)

I had Fraudulent activity on my account in XX/XX/XXXX the amount of {$82.00}. I received a letter today indicating my claim was denied due to the fact my card has a chip and according to them it is impossible for fraudulent charges. Clearly that ia not the case since I KNOW I DIDNT MAKE THOSE CHARGES. The Company is now reversing the provisional credit.
Consumer complaint received 2020-06-04
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. (IN)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.
Consumer complaint received 2017-12-16
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. (NY)

XXXX and transunion credit reporting agency removed an account off my credit report which caused my score to decrease this account should have never been deleted off my reports. The credit card company is XXXX this account is in excellent standing.
Consumer complaint received 2017-12-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

2005 applied for a loan with XXXX XXXX. they stated it would be a 20 year loan and advised us to pay extra if we could each month. in XXXX. our loan was sold to SLS ( Specialized Loan Services ) at this time they went thru our loan with a fine tooth comb. they said we missed a payment to XXXX several months back. So to the point I wanted a print out from day 1 to now of all the payments they required from us, what went to interest and what went to principle. I have asked a dozen times for this and they refuse. there paper work shows a 14 year loan. I 'm XXXX I really do n't know what I did with the early paper work. all these years we have been paying extra each month, we borrowed {$100000.00} and now we owe {$91000.00}.
Consumer complaint received 2022-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (OH)

I have been charged a substantial amount of late fee and interest charges total US {$22.00} in my credit card account with Comenity Bank Master card. They charged based upon the {$5.00} on XX/XX/2022 which was an unauthorized charges by XXXX XXXX. On XX/XX/XXXX, XXXX has refunded me {$5.00}. 
I have called Comenity Credit card numbers, XXXX multiple times ( 5-10 times on XXXX XXXX ) to remove these illegal charges, but they always disconnect me when I choose the option to talk to their representatives. I have used online chat with their agents, who also would not want to dispute these charges for me. 
Please help me to move these illegal charges ( US {$22.00} ).
Consumer complaint received 2022-04-26
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (WA)

XXXX XXXX has been calling me since XX/XX/2021 for a medical debt I had not received any bills about. These people call at least six times a day, do not provide names or company name unless I provide personal information to verify who I am, including a social security number. If I don't give this information, they keep calling anyway. 

After contacting the place I say I had debt with, I discovered the debt amount and billing date do not match up with any medical issues I had, and the place I had the debt with confirmed they did not have any records of this false information. XXXX had advised I had insurance cover part of this debt, as well, which was not possible according to insurance. 

Now, a couple months later, they are contacting me again. I had sent an email to them, as well, explaining and documenting the situation, and it has gone nowhere. They do not care if I don't want to be contacted, and will not stop. They call every 30-60 minutes except for a couple hours in the middle of the day, starting XXXX and ending XXXX.
Consumer complaint received 2021-01-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc. (CA)

I have a medical bill in collections in the amount of {$8000.00}. At the time service in XX/XX/2019 I had private insurance but the hospital insinuated that I had zero medical insurance. Now that hospital sent my balance to a collection company. So I am being charged for a medical bill that is affecting my credit scores.
Consumer complaint received 2020-10-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (VA)

I tried to move money out of my account and Huntington denied it and said it was for security. I had to provide my new banking account information to them to move my money. I provided that information and the person said it was fine. The money moved which was the max I could move at one time. I tried to move more and had the same issue. Huntington is withholding my money, this should be illegal. This is after I jumped through hoops to move my money once. Now, I have to spend more time to move my own money like they own it. They also wouldn't send me proof of my beneficiary which my bank sent confirmation to me in the mail. They do not show proof of peoples beneficiary.
Consumer complaint received 2018-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

In XX/XX/XXXX, I opened a Lowes/Synchrony Bank card. In XX/XX/XXXX I paid this card off and it was sent to collections anyway. XXXX XXXX bought the debt and has put negative information on my credit report. I have reached out to this company to prove the debt was paid ; however, they will not respond. They say the balance is {$2600.00} and opened in XX/XX/XXXXbut I have proof I paid {$7900.00}.
Consumer complaint received 2018-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Army and Air Force Exchange Service (TX)

I PULLED MY CREDIT REPORT AND FOUND AN OLD CREDIT CARD ACCOUNT THAT I HAD OVERLOOKED AND IT WAS STILL ACTIVE. I DID NOT UPDATE MY INFORMATION WITH THE COMPANY BEFORE I XXXX, SO MY MILITARY STAR CARD STATEMENTS ARE STILL BEING SENT TO A THREE YEAR OLD ADDRESS. THEY SAID THAT THE LAST TRANSACTION THAT I MADE WAS IN IN XXXX OF 2015. ACCORDING TO THE COMPANY, THEY CAN NOT UPDATE THE ADDRESS WITHOUT MY CONSENT, EVEN THOUGH THEY CAN SEE MY UPDATED INFORMATION IN DEERS. I HAVE SUBMITTED MULTIPLE ADDRESS CHANGES THROUGH THE USPS, BUT THE COMPANY CLAIMS THAT THOSE CHANGES ONLY LAST FOR 6 MONTHS. THEY DID NOT SAY THEY HAVE RECEIVED ANY RETURNED MAIL, EVEN THOUGH I HAVE SUBMITTED MULTIPLE ADDRESS CHANGES THROUGH THE USPS SINCE 2015. THEY DID NOT CLOSE OR CHARGE OFF THE ACCOUNT AND IT IS STILL ACCRUING FEES ( LATE FEES, ACH-DECLINE PENALTIES, ETC. ) I CALLED THEM TO ASK FOR STATEMENTS AND TO UPDATE MY ADDRESS. 
I CAN NOT RETRIEVE STATEMENTS ONLINE SINCE I DO NOT HAVE THE CARD NUMBER AND THEY DO NOT KNOW WHEN MY REQUEST TO RECEIVE MAILED STATEMENT COPIES WILL BE PROCESSED. THEY REFUSE TO EMAIL ANY INFORMATION TO ME. THEY ARE WILLING TO GIVE ME THE BALANCE AND ACCEPT PAYMENT BUT I DID NOT WANT TO PAY SOMETHING OFF WITHOUT SEEING A STATEMENT.
Consumer complaint received 2023-02-24
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$230.00} XXXX  XXXX XXXX Balance Owed : {$870.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-11-10
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. (MI)

XXXX refuse to conduct a proper investigation from my dispute, and delete account reporting by email COMENITYBANK/VICTORIA. 

The following are the reason ( s ) why COMENITYBANK/VICTORIA should be deleted from reporting with XXXX : This account is too old to collect and/or report an open and closed debt in the state of Michigan. Therefore, should be deleted. 

Michigan Limitation of Actions For most collection actions, there is a specific period of time during which a creditor may pursue the collection of a debt. In Michigan, the filing of a breach of contract and/or open account action, for default of a credit card agreement, for example, must be done within the 6-year Statute of Limitations. MCL 600.5807 ( 8 ). The relevant date for determining when the six-year Statute of Limitations begins to run is the date of the last activity on the account, whether it be a purchase or a payment made. For a debt arising out of the sale of goods which is governed by the Uniform Commercial Code ( UCC ), a collection action must be commenced within 4 years after the cause of action has accrued. MCL 440.2725 ( 1 ). In the sales scenario, a cause of action occurs when the breach occurs, regardless of the aggrieved partys lack of knowledge of the breach. MCL440.2725 ( 2 ). Civil judgments in Michigan expire 10 years after the date of entry, but may be renewed for another 10-year term if a motion to renew judgment is filed and an order entered prior to its expiration date. MCL 600.5809 ( 3 ). In order to collect upon a judgment entered in another state, where the judgment-debtor is now living in Michigan, it is necessary to first domesticate the judgment in the appropriate Michigan court . A foreign judgment domesticated in Michigan is subject to the same 10-year date of expiration from the date of domestication, unless renewed by motion prior to its expiration date. MCL 691.1173.
Consumer complaint received 2024-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (GA)

I am the debtor on mortgage purchased and serviced by Nationstar Mortgage XXXX Mr. Cooper. The company has been sending an enormous amount of advertising communications attempting to sell me a home equity loan. These communications have included multiple spam emails, telephone calls, and postal letters. I requested the cessation of these advertising communications. The company responded today implying that I had sent a cease-and-desist demand and indicating that they would send only legally-required communications, contrary to the substance of my request to desist from advertising communications specifically. 

I have repeatedly informed the company that I am not interested in a home equity loan, and that even if I were, I would refuse to borrow from them because of the overwhelming amount of aggressive advertisements they had sent. 

I believe that Mr. Cooper has deliberately misinterpreted my request in retaliation for my increasing insistence that they stop attempting to advertise to me to sell a new loan. I have responded to them again by email indicating that my request is specifically to stop advertising communications, but it is clear that I am facing an adversary who believe they are entitled to send unlimited amounts of unwanted ( and explicitly refused ) spam to me merely because they purchased my mortgage from a different bank.
Consumer complaint received 2019-06-08
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. (FL)

I have contacted Transunion MULTIPLE times in regards to XXXX XXXX  and the account they are reporting. I have submitted documentation and requested validation of debt and all they tell me is its validated but to not provide any proof. This account is showing TWO incorrect things ... 
1. This account is showing it is charged off/collections therefore it should not have a balance 2. I have not validated this account so reporting it on MY report is a violation of the FCRA
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America XXXX. XXXX XXXX XXXX XXXX, TX XXXX PH : XXXX Credit card account # XXXX Secured credit card paid in full and closed XX/XX/2013. 

My good account only shows up on XXXX. I Please send me a letter by Bank of America that my good account is on all my credit reports. XXXX. My address is XXXX XXXX  XXXX XXXX # XXXX XXXX, AZ XXXX Phone : XXXX. 
This is URGENT!!
Consumer complaint received 2018-07-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IL)

This is a simple case of a BIG SHARK taking hold off a little puppy and shaking it. I have repayed my loan back. This is so scary please review documents. I was in the last year of my schooling, had no parents to help and I had no choice but to just sign on the doted line. I am like 100,000 $  in debt with my student loans and this is just one of the examples of how I will never be able to pay this off. I at the time did not know what I was signing and I was never sat down and told how I would never be done paying. Please can you look at his breakdown and documents and please help me. My aunts have taken this loan on personally as I have tons of others to pay. My aunt now has XXXX and I want to be able to tell her she has paid enough. Please help me be able to STOP being taken advantage of. How are things like this even allowed? I was a kid, do I have to pay for this all my life.