davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

First - Please remove the fraud alert on my credit report. I have asked this more than 3 times and it has not yet been done. My number is XXXX. 

These accounts below have the wrong balance. 

Open credit card accounts XXXX XXXX Reported XX/XX/2019 148 % Balance : {$290.00} / {$200.00} XXXX XXXX XXXX XXXX XX/XX/2019 96 % Balance : {$280.00} / {$300.00} XXXX XXXX XXXX Reported XX/XX/2019 89 % Balance : {$170.00} / {$200.00} XXXX XXXX Reported XX/XX/2019 52 % Balance : {$510.00} / {$1000.00}
Consumer complaint received 2017-10-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (GA)

Citibank/CBNA has re-aged my accounts. They should no longer be on my credit report due to the statute of limitations in Texas. Instead of removing them they have been reporting that I have been making payments in order to re-age both of my accounts with them. For one ( starting with XXXX ) they reported a payment as recent as XXXX of 2017 with XXXX. I have tried to dispute the accounts with each of the credit bureaus and was not successful due to Citibank stating false payment information. I have also faxed Citibank asking that they no longer re-age my accounts and delete them from all three bureaus.
Consumer complaint received 2017-11-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

Ridiculous from Servicer and XXXX XXXX to keep paying services like Bayview for homeowner 's to keep loosing their properties and they are not doing their job. 

My Name is XXXX XXXX XXXX and I have submitted this modification on behalf of XXXX XXXX in the week of XX/XX/XXXX, I received a called from XXXX XXXX, to see if XXXX the Account Executive on this case has done anything with the documentation I had sent, he informed me that the documentation was just sitting there and that XXXX was not doing anything with it. You may reach XXXX at XXXX. 

He also suggested I should speak with XXXX supervisor. 
The letter that XXXX XXXX got today is a total violation of RESPA. 
since it does not implement any of the documentation that was need it to sent in. Either me or XXXX XXXX had received any documentation requesting additional information. Its Fraud and a lie.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX CRED ( Original XXXX XXXX XXXX XXXX  XXXX BANK XXXX A ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

After submitting complaint XXXX Truist raised the escrow from XXXX a month to {$420.00}. This feels like retaliation and harassment. 

This is the insurance they have listed on my account details. 
Policy Number Policy XXXX  ommited Annual Premium {$1300.00} Policy Expiration Date XX/XX/XXXX Due Date XX/XX/XXXX Insurance Company XXXX XXXX They have the property tax listed at {$0.00} My current escrow balance is {$970.00}. 

To this date, they have only paid {$17.00} on my behalf due to an insurer canceling. 
We have our own insurance and pay our own property taxes. 
{$420.00} seems like more than XX/XX/XXXX of their stated escrow shortage. 

We would like to have the escrow waived or at least ceased from this point on. Based on our history they have more than enough cushion with the current escrow balance. An extra {$420.00} is roughly 18 % of our base mortgage payment which seem exorbitant. 

Apologies for the additional complaint, but the company doesn't seem to offer any solutions except raising our monthly payment.
Consumer complaint received 2018-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

It has come to my attention that XXXX XXXX XXXX, has reported some incorrect payment information on my credit. Upon receipt and review of my credit report, I found late payment on the following date : XXXX XXXX XXXX   Account # XXXX has one 30 days past due as of XX/XX/XXXX The issues with this alleged late payment is that the payment was never late please see attached payment history and on time payment in the months in question. I have disputed this with the credit bureau and XXXX XXXX keep on verifying the information as accurate instead of following the Fair Credit Reporting Act and doing a complete validation of this inaccurate reporting by auditing their records and documentation.

XXXX XXXX  The 30 day late reporting made by XXXX XXXX XXXX is incorrect and constitute very serious violation of the Fair Credit Reporting Act and my rights. It has damaged my credit and is preventing me from getting a home loan and obtaining credit. XXXX XXXX XXXX has received payment in the month it reported me late.

What the attached proof of payment shows is that XXXX XXXX XXXX account was always paid on time and was never late. I have tried multiple times to have this incorrect reporting corrected by contacting XXXX XXXX XXXX  directly buXXXX XXXX XXXX  keep violation the Fair Credit Reporting Act and my right by maintain inaccurate information on my credit file The credit bureaus need to follow the investigative process described in the Fair Credit Reporting Act and do their job properly and require the creditors to provide actual proof of late pays. I am holding EQUIFAX and XXXX  responsible for not following the FCRA. In the absence of real proofs, the credit bureaus MUST delete this erroneous reporting. The credit bureaus have failed me in this respect, breaking the law, damaging my credit by maintaining inaccurate and unverified information on my file.
Consumer complaint received 2017-10-03
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: EXPERT GLOBAL SOLUTIONS, INC. (KY)

I have contacted all three credit bureaus multiple times XXXX XXXX, XXXX XXXX and XXXX XXXX, XXXX regarding XXXX hard Inquiries and XXXX car loans on my credit report that is caused by fraud. I have filed a police report as they have asked me and also an FTC Identity theft report. Placed credit on a fraud alert. I have provided to them all this information and copies of the documents as well multiple times. They have n't investigation as they are support to in cases of identity theft. Additionally there are collections that were paid that should be removed from the account. I am requesting this inaccurate account is removed from all three of my credit reports XXXX, XXXX, and XXXX Immediately! I would also like a letter and undated copy of my credit report once this has been completed.
Consumer complaint received 2021-07-11
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: World Acceptance Corporation (GA)

I submitted a complaint to the CFPB on XX/XX/XXXX complaint # XXXX. Within that letter I expressed that there was incorrect information on my credit report as a result of identity theft. The end result was a response from the Compliance Manager of World Acceptance Corporation, XXXX XXXX, verifying that the account was indeed fraud and that it would be removed from my credit report in 30 days. 
Fast forward nearly three years later, on XX/XX/XXXX, I received a disturbing phone call from XXXX XXXX XXXX stating that they were calling to collect a debt on behalf of World Acceptance Corporation. I told the XXXX XXXX XXXX representative that the account was fraudulent and that I will be contacting the CFPB. 
XXXX I received a copy of my credit report from three credit bureausXXXX XXXX  and XXXX  . On the XXXX  credit report, I again see the fraudulent World Acceptance Corporation account. 
At this point, my rights have been violated. 
According to the law, U.S. Code 1681c2 - Block of information resulting from identity theft, both World Acceptance Corporation and XXXX  failed to adhere.

According to the law U.S. Code 1681 2- Congressional findings and statement of purpose, both XXXX  and World Acceptance Corporation have damaged my credit worthiness, credit standing, credit capacity, character, and general reputation. Additionally, World Acceptance Corporation violated my right to privacy by relying my information without my consent, to XXXX XXXX XXXX. Thus too, placing XXXX XXXX XXXX in violation.
Consumer complaint received 2017-10-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (WA)

I refinanced a federal loan upon graduating in 2006. I thought the terms of repayment were 120 payments ( 10 years ) but it appears I 've been paying on a 20 year loan. As my service provider has changed several times ( XXXX to XXXX XXXX to Navient ) I requested my " terms of repayment '' on multiple occasions. I finally received a document with the total amount borrowed but no terms of repayment. Via the customer service representative, the information has been requested several times but I have not received any documentation. 

I am concerned that I have been billed incorrectly and Navient can not produce my loan documents in a timely matter ( or potentially at all ). I would like information about my loan to make sure it is being serviced correctly.
Consumer complaint received 2018-06-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (AZ)

I made a withdrawl from my savings account in the amount of {$20.00}, I was assessed a fee after the withdrawal which was back dated obviously. The ATM would not allow me to do a withdrawal if I didn't have the funds available. I do not have a problem with being assessed the fees, hitting a hard financial situation and needing to pull the funds out of my savings and paying the fee is one thing. But having the fees charged after you allow a transaction is bad practice. This all happened the same day the issue happened with my checking account which already has an open complaint. I do not like being penalized when the system/ATM/APP/and online services tell me one thing and then the next day tells me something different.
Consumer complaint received 2017-10-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: URS Holding, LLC (MO)

On the last week of XXXX this dept collection agency work for the Credit Card company, contacted my work and as to give a note to me to call them with different number than the one I have spoke to on the phone earlier in the month. I referred them to my dept consolidation company and they said they did not with their way of doing business. So I got home and called this number on note and found out who it was, I was okay to clear this up till my job said who is this and had to spell my personal life to my job, which in turn they said they should have never called here and had us contact you. I was furious and told this dept collection company I was not abide by the settlement, even though I just sent them a payment, i will not send anymore cause of this action at my job. They informed me I had not told them directly about not calling my job, only the Credit Card company new not to call, but this company works for them and I guess they do not communicate with them on what I had sent to cease communication to me and my job. Feel my rights were violated and they still said they did not violate them and got tired of them repeating themselves to me that they are here to settle the dept is all for this credit card company and all they would give me. Thanks XXXX
Consumer complaint received 2021-07-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Hello Ive requested on several occasions XXXX  debts are validated from XXXX XXXX  and XXXX  or be removed for being falsely posted on my credit. They have all failed to validate the debt or remove the collections from my credit file. I sent two rounds of letters, once on XX/XX/ and also on XX/XX/ requesting the medical records be validated or removed and neither has been done. There are several medical records on my report that I need to be validated or removed, its about 11 collection accounts that need to be rectified.
Consumer complaint received 2017-10-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: United Debt Holdings, LLC (CA)

This company continues to call me at home, cell and work with threatening voice mails indicating they are going to arrest me at work or home unless I call them. I notified them months ago to only contact me via email or us mail per the fair debt collections practice act.
Consumer complaint received 2017-11-28
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. (NE)

A loan using my name and information was approved and pushed through by XXXX XXXX XXXX and I was put down as the Co signer on the loan. I never agreed to the loan or signed for it. I made the XXXX aware a large number of times and they continue to hold my credit hostage. I have offered my explanation to XXXX and XXXX but they are to concerned with my credit. They only want my high credit attached to a bad loan.
Consumer complaint received 2015-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Harvard Collections, LLC (IL)

Debt was paid in full to the IL Dept. of Human Services ( IL DHS ). Supporting documents attached. Harvard Collections has stated that it is not their responsibility to remove this item from my credit files at the XXXX major credit bureaus. They in fact have the sole responsibility of reporting to the credit bureaus per IL DHS. 

I have spoken with several representatives at Harvard Collections in person and via phone on numerous occasion. Harvard Collections has acknowledge that the debt has been paid in full. Harvard collections has a copy of the letter from DHS to confirm payment. Harvard Collections has stated to me that since the debt was not paid through them they are under no obligation or time frame to delete this information from my credit files. I have also sent several letters to Harvard Collection Managers. 

Harvard Collection has refused all my attempts to resolve this matter.
Consumer complaint received 2016-01-22
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (DE)

I had a toyota XXXX on lease since XX/XX/XXXX. I was three months behind.I called XXXX to verify a check was being sent out on XXXX for {$670.00} from my church. The guy noted my account. But noted it wrong, said I told him my church was paying pay due amount which would of been {$1000.00}. I never stated that. On XXXX I called to let Toyota know the check was in its way N I wanted to make a payment to being my account current. They said we are only excepting cash through XXXX XXXX or atm ... I said ok I want to pay the XXXX since the check is already in its way. They said no we ca n't except the check you need to call the church to put a stop payment on it. I said excuse me, that 's crazy. She said you should reach out to family and friends for help.So I called my mom got the money its still the XXXX, I call back to make the full payment of XXXX $ the lady said no we are not taking any payments, I said what why not you Told me to call when I had the money, I 'm calling. She then put it in repo status. which is crazy when I was paying with a debit card. I called the next day on XXXX n tried to make the payment thinking I would get someone else nope same person and still would n't take a payment, there was no reason as to why she would n't take the payment. On XX/XX/XXXX my car was repoed I called and asked why they said because you failed to make payments or to bring it up to date with payments. I said excuse need I have been in contact with you since XXXX n before that date ... .. Now they want me to pay the full amount of the vehicle which is XXXX $ Which makes no sense cause I was trying since the XXXX to bring it to a XXXX balance and the customer service reps kept telling me no they not taking a payment ... Now how is this even right too tell someone no if the car want in repo status but then repo the car n ask for the whole purchase price when it 's a lease? I do n't understand as to why I was denied a payment give days straight, I understand I had difficulty paying but it 's not like I totally avoided them I was in contact with them monthly and if not weekly ...
Consumer complaint received 2022-09-10
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit act XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

Yes- my mother 's name still not removed from all of my USAA Banking Accounts. I have contacted USAA about this repeatedly, I have mailed in via XXXX and sent via Mobile Application signed paperwork by myself and my mother to have her removed from my accounts, and today received bank statements with my mother 's name still on them. I have contacted both your organization and USAA several times about this- when is and XXXX XXXX action ever going to take place? I just talked to USAA XXXX 's Office, I believe lady 's name was XXXX as she did not have her headset on correctly and refused to adjust it so I could hear her clearly!!!! Thank you ... ..I guess.
Consumer complaint received 2022-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This account is inaccurate XXXX XXXX XXXX XXXX # XXXX. The Last date of Activity, Payment Status, Account Type - Detail shows " CREDIT CARD '' on XXXX while the TransUnion and XXXX is " REVOLVING ACCOUNT '' and a FCRA violation. Please remove this inaccurate information from my credit report.
Consumer complaint received 2022-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (AL)

There is a collection on my credit report from an apartment in Tennessee. I do not live in Tennessee. When I call the collection company they tell me they can't pull anything up with name or social security number. I tried to dispute it with XXXX and they were able to '' verify '' the debt with the company. But no one at the company can give me any information. This is not my debt. I live in Alabama. I am trying to buy a house and desperately need this off of my credit report. No one can even tell me what I need to do. I tried contacting the apartment complex and was told that it is under new ownership. 
I tried to enter the last XXXX  digits of my social in the next step but it wouldn't let me. It is XXXX.
Consumer complaint received 2021-09-10
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC (CA)

Quicken loans called me to give me a quote for a cash out refinance. I told the agent I just wanted the rates. She then asked me to verify the last four of my social. After providing, she told me my credit scores were x, y, and z. When I asked her if she just pulled my credit, she said yes. I told her its illegal to obtain my credit without my consent and I did not consent to have my credit run. I specifically told her I only wanted rates. She then tried to mislead me stating that by giving her the last four of my social, I have consented under the law to having a hard pull done. I was infuriated and escalated to her manager. There is currently an investigation. My concern is that the agent 1.did not appear to know or care the legality of pulling credit without consent and 2. she then tried to lie/mislead me once I confronted her. This is not okay. Agents name was XXXX XXXX XXXX # XXXX.
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (FL)

I certify that I a

m permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamtion of my character 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX account is not mine, I am a victim of Identity theft. Please remove it from my credit report XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3.This account is not mine, I am a victim of Identity theft. Please remove it from my credit report XXXX XXXX XXXX Account Number : XXXX