davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Summit Horizon Financial Services (FL)

Today Monday XX/XX/2021 a company called Summit Horizon Financial Services contacted me about a Student Loan Forgiveness program who can lower my loan payments to reduce the balance. They accessed my studentaid.gov account and had my total balance amount, last four numbers of my social, and the name of my loan servicer. This all seemed legitimate until they began to ask for my credit card number and requested an electronic signature on a service agreement for the monthly payments. Everything happened as I was trying to search online if this was legitimate or a scam. Only after the call was complete I realized this was a scam and they had charged {$700.00} to my XXXX XXXX Master Card. I then called XXXX XXXX to report the transaction as a scam/fraudulent charge which they will investigate and temporarily credit. Then I contacted Studenaid.com who also confirmed this company was a scam and not affiliated with them, I then changed my password for my Studenaid.com account. They suggested I contact my loan servicer who have noted this scam on my account. They then suggested I contact CFPB who then suggested I contact the Dept. of Education. Although all companies have been made aware of this scam my concern now this Illegitimate company has a service agreement I electronically signed and may use it against me to receive the payment of {$700.00} I have blocked. I hope that is not the case and they do not receive any money!
Consumer complaint received 2021-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX Opened XX/XX/XXXX ; Amount {$3700.00} This account is appearing on my credit report and should permanently deleted due to Statute of limitations being 7 years. it has been over 7 years of reporting. 

XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX ; Amount {$650.00} This is in no way my account nor my debt XXXX XXXX XXXX XX/XX/XXXX ; Amount {$600.00} This is in no way my account nor my debt. 

XXXX  XX/XX/XXXX ; Amount {$320.00} This is in no way my account nor my debt. 

XXXX XXXX XXXX XX/XX/XXXX This is in no way my account nor my debt. 

XXXX XXXX XXXX XX/XX/XXXX This is in no way my account nor my debt.
Consumer complaint received 2017-07-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eltman Law, P.C. (CA)

In XX/XX/XXXX I responded to a wage garnishment. I went to the court and filed the necessary response. The officer informed me that the company had 30 days to send a response. The 30 days came and went. Since I had asked for a copy of my application and the amount owed at the time of write off I assumed this information could not be found. I then called XXXX and was told to contact the agency that had my account. I spoke to a rep who was located in New Jersey about my account. He started to ask my information like address, ss #. I decided that if this company was suing me they should have this information. When I asked this question I was " disconnected ''. I did n't hear from the agency again. XX/XX/XXXX I was informed by my payroll department that my wages would be garnished again I tried to get information. This time I found that the agency is in XXXX XXXX. The practices of this company are sneaky and unfair. I feel I did respond within the time frame. I was also told by the sheriff that I had correctly responded to the order. Why was there no response? The company then waits a year to garnish me without any further notification?
Consumer complaint received 2020-04-23
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: Experian Information Solutions Inc. (NH)

On XX/XX/XXXX I noticed a large disparity of my credit score with Experian ( XXXX  ) vs the other 2 major organizations ; XXXX  ( XXXX ) and XXXX  ( XXXX ). 

There aren't many differences with my credit history on all 3 and a difference of 80-100 points stands out as a problem with Experian. 

The issue I see with Experian is its reporting methods and inability to dispute. I filed Chapter XXXX in XXXX and I had approx. 20 ( give or take ) discharged accounts. Experian shows one account as in Collections and also shows the account discharged from bankruptcy. Mostly all the accounts that were discharged were in collections. They are all no longer in collections. I'm unable to dispute this. 

I'm thinking there are problems with their calculations. I'd like this checked out and they should allow disputing options for every piece of personal credit history THEY choose to report on.
Consumer complaint received 2015-03-30
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NJ)

I had to cancel my Banana Republic Card due to freud charges. I forgot to update my online payment through my bank and paid on my old account. Because of this, Synchrony Bank has been calling my none stop about not paying my bill. I have called them several times and they told me it takes 15-20 days to transfer my payment from my old account to my new account! They froze my CC and I ca n't even use it! I have a copy of my bank statement which shows I even paid them and the payment was on time. They wo n't unlock my CC until my payment has been transfered. I even made another payment and because they have n't posted it yet, they still wo n't unlock my CC. I even made an early payment the month before and they charged me a late fee!
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

Since XX/XX/XXXX XXXX through XX/XX/XXXX XXXX Experian has been debiting my debit card in the amount of {$19.00} per month. I have recently became unemployed and just noticed the charge for XXXX and researched my account to find the additional charges. 6 charges of {$19.00}. I contacted Experian and they researched to see that the charges were not made by me, but by someone using my debit card. However, they refuse to refund my money. They told me it was my financial institutions responsibility to refund the money. This is incorrect, all my bank can do is issue me a new debit card. They said Experian is responsible for the refund due to them being the one who actually received the money, which only makes sense. I have spoken to XXXX XXXX ID XXXX, if this is even legit info ) she wouldn't give me her last name for whatever reason, she is the one refusing my refund even though they can see where a different person other than myself, diff name and social, used my card. She also refused to let me speak with someone else. I just want my money refunded that Experian has taken and now they are proving to be the ones doing the fraudulent activity.
Consumer complaint received 2020-09-22
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. (FL)

I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).
Consumer complaint received 2021-09-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

Sun Trust Bank has placed forced flood insurance on my home. I already have flood insurance. The bank claims that my house is in flood zone AE and my insurance company says I am in zone X. I've been fighting with them for months and the took {$4400.00} out of my line of credit to buy insurance that I don't require. I talked to all of my neighbors and they only pay between {$800.00} to {$900.00} a year. This seems like a scam to me and I can't seem to get anywhere with them. I also filed a complaint with the FDIC about this matter, but have yet to hear back from them. I flied that complaint on XXXX XXXX, XXXX. 

Thank You XXXX XXXX XXXX
Consumer complaint received 2021-05-23
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: ENCORE CAPITAL GROUP INC. (FL)

I have been disputing the accuracy of the records from this company using the law, 15 USC 1692, on or around XX/XX/2021. Midland Funding LLC sent two letters attempting to collect a debt that I do not owe in the amount in the amount of {$470.00}. the letters were dated for XX/XX/2021 and XX/XX/2021 both letters State that the company has proof of verification from XXXX XXXX, the proof does not show validation. I received these letters on XX/XX/2021 I sent Midland Funding LLC a cease and desist letter on XX/XX/2021 through certified mail with a green receipt.
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL (TX)

Received line of credit from synchrony bank for home repairs, once the account was posted & accessible they added fees and interest which automatically sent the account over the limit. The over limit caused significant damage to my credit & I attempted on two occasions to get info about the account before it posted and was told they didn't have access at the time.
Consumer complaint received 2020-09-22
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 am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. I believe that someone else may have a relative that may have forged my name ( or  used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Reporting " XXXX XXXX XXXX XXXX, TX XXXX '' Please contact the company directly to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions you may contact us at XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unsecured XXXX XXXX XXXX XXXX XXXX XXXX Cell Phone XXXX XXXX XXXX Paid, Closed/Never late. 
XXXX XXXX XXXX XXXX Public Record XXXX XXXX Collection account. {$1300.00} past due as of XX/XX/2020. 
XXXX XXXX XXXX XXXX Public Record
Consumer complaint received 2020-09-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX Give me a refund on the XX/XX/XXXX and Took it back on the same did after they give me a refund then on XX/XX/XXXX I filed a claim with they returned the money and then XX/XX/XXXX they took it back so I just lost my money for a washer that XXXX or dont let ship
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Reporting " XXXX XXXX XXXX XXXX, TX XXXX '' Please contact the company directly to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions you may contact us at XXXX. 

XXXX XXXX XXXX XXXX XXXX ) XXXX Unsecured XXXX XXXX XXXX XXXX XXXX XXXX Cell Phone XXXX XXXX XXXX Paid, Closed/Never late. 
XXXX XXXX XXXX XXXX Public Record XXXX XXXX Collection account. {$1300.00} past due as of XX/XX/2020. 
XXXX XXXX XXXX XXXX Public Record
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have a government card from Bank of America that was distributed to me for unemployment unemployment is asking for the account and routing number when I go to the website of Bank of America XXXX XXXX  it does not show any unemployed any account or routing number I called them and they don't see it on their end is it a possibility that you can email me the account and routing number so I can finish unemployment please my email is XXXX. 
Card number is:XXXX
Consumer complaint received 2023-01-29
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. (IL)

In my Consumer Report, there are 4 charge offs reporting which is illegal because Charge offs are considered cancelled debt. According to the IRS, cancelled debt is considered income & Income can Not be reported in a consumer report. 

The IRS states that cancelled debt is income and the 3 consumer reporting agencies that are reporting the charge offs are not authorized to report. 

I never authorized to report these charge offs to report on my consumer report, as this is defamation, causing Financially and emotionally damage.
Consumer complaint received 2021-02-24
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. (SC)

XXXX XXXX was paid off on XX/XX/2021. They submitted a trade line request to have it removed from my credit report on XX/XX/2021. I called Equifax on XX/XX/2021 and was informed they had not yet received it. I called XXXX that stated it was submitted on XX/XX/2021. I am waiting to apply for a mortgage once this is removed.
Consumer complaint received 2019-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

An account was opened unbeknown to me with XXXX XXXX and it was sent to collections. My father who had all of my personal information used it to create several credit card accounts and I have been trying to remove them. I have disputed the record with XXXX but have not seen any changes.
Consumer complaint received 2019-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My name is XXXX XXXX ; I live at XXXX XXXX XXXX, XXXX ca XXXX I currently have a mortgage loan with Mr Cooper DBA Nation star. The purpose of my complaint today is to ask for your  help, I have been making payments on my mortgage, I fell behind one month only in XXXX, I called and advised the agent that I had payments scheduled, for that Friday, I dont recall the date, the agent advised me that yes he saw the payment, he then asked me if I wanted a payment plan, I asked what it was he explained it, he placed me on hold and I hung the phone up. The following day, there was a 4 month payment plan on my account mind you I was only 1 month behind. The plan didnt allow me to edit change it, it basically set in stone and I didnt sign anything or agree to increase my payment by XXXX for a 4 month payment plan. I was forced to pay 1st payment although I couldnt afford it, I called back and told them I cant do this pay plan they them blocked my account to a read only status. I started paying my regular payment which is XXXX ; this company placed them in an unapplied status meaning now they wont apply it to my account. I asked why they were doing this I was told I asked for a forbearance I advised them I didnt ask for a forebearance and I do not know what this was, they explained its when you cant pay the account and they suspend payments. I advised them I didnt ask for this. They refused to take me off this and refused to apply my payments, I then XXXX XXXX the payment so they would hit my account, those payments were applied, and I was then told the following : On XX/XX/19 I was told I owed XXXX On XX/XX/19- I was told I owed XXXX On XX/XX/19- I was told I owed XXXX When I called no one could explain why I owed this money this was on XX/XX/XXXX, on XX/XX/XXXX, I was told my payments were reversed I asked why when they were XXXX XXXX I was told the following from multiple people : 1. You didnt pay it 2. The XXXX XXXX  was reversed back to XXXX XXXX, I asked when they said they didnt know 3. I was told I didnt pay XXXX although they it says XXXX was paid 4. I was told this billing is confusing I cant explain why it says this 5. I was told I need to talk to someone else 6. I was told that my payments were returned 7. I was told the money is sitting in unapplied At the end of the day I paid this account, I wasnt behind this far until the agent deleted my scheduled payment blocked me out of my account and now are not applying my money to make me fall behind. I do not know what else to do seeing their agents dont know what to do or say. I really need help this has to be illegal. 

They are also double billing me for inspection fees, they never advised me of this they are also billing for XXXX saying its inspecting fees, calls paper work and atty, again never advised me
Consumer complaint received 2019-10-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

It appears that Mr. Cooper is in violation of California 's XXXX XXXX of Rights. A Request for Mortgage Assistance ( modification application ) was submitted XX/XX/XXXX. A " Single Point of Contact '' was assigned on XX/XX/XXXX. We followed up with Mr. Cooper on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX for an update on the request. The assigned SPOC was never available. We always spoke to a " SPOC department representative ''. The SPOC department representatives ALWAYS provided conflicting information on the status of the application, on multiple occasions asking for the same documents that were faxed multiple times, clearly violating the sole purpose of the regulation to assign a Single Point of Contact. One of the SPOC department representatives advised us that their " processing department '' evaluates everything submitted to determine if it's complete, not their SPOC department. That SPOC department representative took the time to review everything submitted and confirmed that the requests to re-submit documents ( that were already submitted ) was not valid, and proceeded to submit a dispute to that department. Thank God that the loan is current, otherwise, wrongful foreclosure is imminent in this pattern of practice of negligence.
Consumer complaint received 2021-03-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

XXXX XXXX XXXX did not notify me of a lawsuit. Then got a default judgement on a debt that was outside the statute of limitations. Last payment of debt reported XX/XX/XXXX judgement was filed XX/XX/XXXX. XXXX is 3 years in my state
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2019-10-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Western-Shamrock Corporation (TX)

On XX/XX/2019, a call was received from an employee at Western Finance operating under Western Shamrock, and the call was answered on speakerphone due to the person at work. Information regarding my account was given to another person without my consent and since the call was answered on speakerphone, 2 other people in the room heard my personal information. The employee demanded that we go into the office the next day saying we HAD to go in. After the other person was given information, he then told the person calling from the company that it was not his account and should not be giving out information. The manager then got on the phone and told him that it was a federal law to release personal information. She stated that she would talk to her employee regarding that issue. They then called him back and asked him to have me go in and have me sign a form allowing them to release information AFTER they released the information to him.
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any  discrepancies. I notified the credit bureaus, but no changes were made.