davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (MN)

I vacated my apartment on XX/XX/2020. I informed my apartment in late XXXX. They tried to enforce a provisional 2 month notice to prevent auto renewal of lease and tried to charge me for XXXX. They did not notify me about the auto renewal as required by Minnesota State law to be applicable, I have documentation from the apartment acknowledging that they did not notify me. I directed them that if they wanted to pursue further communications and file against me they needed to direct that towards my lawyer. They never asked for any information about a lawyer I would have attained. They sent the debt to a Florida based company who does not know Minnesota law and did not inform me of said events. I contacted the debt collection agency sending them the information and statues that my apartment had ignored ( When I talked to my lawyer, they said it was very common for apartments to ignore the statute ) I gave them my information and they neglected to send any new statements or documentation. Instead they filed a second derogatory account against me, impacting my credit scores and hindering my financial situations. I have filed a dispute against them, but they're ignoring the steps they have to take to legally do things. Prior to filing my first complaint with the CFPB I was receiving robo calls from them roughly 1-3 times a day.
Consumer complaint received 2020-10-27
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP (OR)

In this scam they are saying I have past due court fees or fines which is false. I have no such debt. What makes this scam so obvious is that they want me to go to XXXX XXXX XXXX to buy cash cards and then send them with a bill. Bye bye money. I have heard of these scams and I don't want some unknowing victim to fall for this.
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 — Personal information incorrect
Company: Ad Astra Recovery Services Inc (OH)

Just found out tonight that I have a social security variation on my XXXX credit file. I called XXXX and asked for the name of the creditor supplying the social security variation. They told me is was a debt collection company called Ad Astra Recovery. Id like to state I have the right to have correct and accurate information on all of my credit files. The social security number Ad Astra Recovery is using under my name puts me at risk for having my files mixed with this other person. They are blatantly ignoring the FCRA law. This social security number does not identity me on this account. I demand for Ad Astra Recovery to correctly update my personal identification number with all three credit bureaus or delete the account. The social security number Ad Astra Recovery is using in connection with this account does not identify me. They are reporting another individuals social security number under my name with all the credit reporting bureaus.
Consumer complaint received 2018-07-24
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: SLM CORPORATION (TN)

A Loan was approved by XXXX XXXX on XX/XX/2018 Account # XXXX ; Application ID : XXXX for XXXX XXXX XXXX ; Cosigner XXXX XXXX XXXX, for loan amount {$12000.00}. XXXX thought she had the wrong amount in and called XXXX XXXX, who told her to just cancel the loan and redo it. She did this and after talking to school advisor, found out that it was a little less and she refiled it. XXXX XXXX turned it down and told her that she needed a new cosigner. We called XXXX XXXX and was told just file a lesser amount of {$12000.00}. We did so and it was kick back with the same answer, to get another cosigner. 3 times a hard credit check was done on my credit. Lowering my credit each time. First approved then not so, twice. Sincerely XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX age XXXX.
Consumer complaint received 2018-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

By email dated XX/XX/2018, American Express offered my wife a Business Platinum Credit Card to upgrade from our existing account. The terms of the offer included XXXX membership reward points if we spend {$5000.00} in the first three months and an additional XXXX points if we spend an extra {$5000.00} in the same period. The annual fee was advertised at {$450.00} and the email specified " Your application must be received by XX/XX/2018 to be eligible for this offer. '' On XX/XX/2018, just 10 days after the email and over a month prior to the XX/XX/XXXX deadline, I went on line to complete the application. When I clicked on the link to apply for the upgraded card the American Express web site that opened stated : " This offer is no longer available. If you'd still like to apply for a Business Card from American Express OPEN click here. '' I tried calling American Express that evening but it was after hours for the business card department, so I asked my wife to call the next morning. 

On XX/XX/2018, my wife, XXXX, called American Express to apply since we were unable to complete the application process on-line. She was not told the offer had expired. Instead, she was told that she was ineligible for that program because the email sent to her did not include " a code. '' Instead, she was offered a less desirable upgraded credit card providing only XXXX points for an annual fee of {$650.00} ( and other less desirable terms ). 

The email sent to my wife clearly came from American Express. It is disingenuous for American Express to deny access to the program for the failure to give us a code when they initiated the process by sending her the email. Thus, this was a classic " bait-and-switch '' effort to entice us to upgrade our existing American Express Card but then switch us to a less desirable product than the one offered.
Consumer complaint received 2022-08-13
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. (IL)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove 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
Consumer complaint received 2023-02-22
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: LEXISNEXIS (AZ)

Furthermore, as you can see from the information above, this agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

They are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that them immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). they have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.
Consumer complaint received 2021-01-24
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: TRUIST FINANCIAL CORPORATION (OR)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX - XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020 and XXXX. XXXX, 2020, SUNTRUST XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2018-07-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PNC Bank N.A. (MD)

I believe this is a reprisal from another complaint I file with you concern PNC bank and was refunded only two payments taken from a closed account. complaint # XXXX on XX/XX/2018. Now I have to deal with this matter from PNC.

I had a PNC credit card, which I paid in full and received a PNC letter of a XXXX balance, after paying this on XX/XX/2018 and just close my PNC bank account in early XX/XX/2018. I received a two months late payment notice on a closed credit card account. I called two different individuals and I was told that XX/XX/XXXX interest need to be paid for advance payment. I had stop using that credit card and PNC bank had from XX/XX/XXXX to XX/XX/2018 when I paid in full to include that interest. How can this be when I called for a pay off amount and then called back to pay it off two months later, meaning of {$48.00} should have been applied. Now, I am concern about late fees for two months and reporting to the Credit Bureaus. I believe PNC wants approximately {$90.00} from me. The PNC Letter I received stated the following : XX/XX/2018 As you requested, on XX/XX/2018 we closed your PNC Credit Card account. The following is current balance and payment information about your account.

Current balance : {$0.00} Account balance on your last statement : {$4700.00} Amount of the last payment we received {$5600.00} Date last payment posted : XX/XX/2018.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (SC)

I have found out that I am a victim of the Equifax security breach. As a result of this I wanted to put in an extended fraud alert. the company website does not give access to a phone number to do so without " becoming a member '' meaning they wish to collect even more information. The XXXX number for the victims basically verifies that we are victims but provides no other services. My attempts to call Equifax failed even after a total of 148 mins on the phone on 4 different occasions. Similar failures occurred in regards to placing fraud alerts with XXXX and XXXX as well. 

I am requesting that you contact these companies and have them provide us the assistance we need- we are victims of their greed and incompetence, and they have gone unregulated for too long. Please do help.
Consumer complaint received 2018-07-24
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. (GA)

I have sent several letters to Experian to remove two debt collections off my credit report. I have also contacted the collection companies myself to verify the debt. I have not heard back from the debt collectors, and Experian has failed to properly verify my disputes. I have sent letters to the credit bureau to verify and validate these debts but the keep saying they're accurate or they will not re investigate because they have already investigated once before.
Consumer complaint received 2022-08-13
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. (CA)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2018-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

I was obligated to travel from my country XXXX to XXXX on XX/XX/18 because my Visa card was expired on XX/XX/18 I tried to request a new one by email but it was impossible the bank told me that I had to be in person. Since XX/XX/2018 I couldn't go online a see my account bank, because I needed a code to get access in a local number phone. So it was impossible to get information on my account. My identity was stolen The next day XX/XX/18 I went to to TD BANK where I had an checking account and I was informed that I have XXXX XXXX, from {$16000.00} balance on XX/XX/18 to XX/XX/18. 
TD BANK never contacted me to inform any irregularity, I came to USA for two weeks with my daughter and my grandgirl and this situation have been very disgusting because I do not have any money for spent these days. 
I made a police report and the complaint to the TD BANK but unfortunately I haven't received any answering positive, not have been investigator 's case assigned and my money charged back either. 
Please see the documents attached requested.
Consumer complaint received 2020-07-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

I tried to contact Shellpoint Loan Servicing Mortgage Company on/around XX/XX/2020 to request an additional extension for a forbearance, emphasizing the importance that i would like my payments added to the end of my loan from my first request. I was informed by the first representative that all payments are due in one large sum once the forbearance is over. By the fourth representative and the constant change in stories and whats required on XX/XX/2020 after inquiring why payments were not added at the end of my loan and why they are asking for a balloon payment and in addition what happened to my second request of an extension. Its been 45 days and i have yet received a response regarding approval for my second extension nor a letter regarding my XX/XX/2020 payment. The fourth representative inquired about completing a hardship letter, my bank statements and where will i get money from to pay the bill since i did not receive any money from XX/XX/2020 til XX/XX/2020. I also complained that i am unable to access my account online. Why haven't this information been required before? In addition to my concern that i did not receive anything in writing stating my payments will be added at the end of my loan to avoid a one large sum payment, my representative is never available and i was told i can not change her, I received a foreclosure notice and my account number was attached to a man with a different address. I am concern that predatory lending/ fraud is occurring where they tell people there is help but if they cant pay they will foreclose on people homes. When i agreed to forbearance/ push my loan to the end, i read all the government information and requested the assistance accordingly. Please advise how i can obtain something in writing and ensure my loan payments is applied to the end of my loan and avoid request of one large balloon payment.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I need help re Equifax. 

I have been trying to sign up for a security freeze with Equifax and seem to be on an endless loop of emails. I went to the website and entered all the information they requested. They said to wait for an email to continue enrollment ( which the other credit services didnt do enrollment was instantaneous ). 

I got the following email from Equifax : " It is time to take the final steps in enrolling in your free product, TrustedID Premier, by verifying your identity. To do this, youll need to answer some questions about yourself. Successfully completing this step will conclude your enrollment process and activate your product. 

To verify your identity and activate your product, please click the link below : https : //trustedidpremier.com/XXXX XXXX This link will remain active throughout the enrollment period, which expires on Monday, XXXX XXXX, XXXX. 

If you did not request this email or if you have any questions, please contact us at XXXX. 

Sincerely, Your Equifax Customer Care Team '' Again, I did everything they told me to do and was told, yet again, to wait for an email to continue enrollment. 

And around and around we go. 

I have called the Equifax customer service line twice on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and have told my story to the operator. On both occasions, the operators have said something along the lines of, Not the first time Ive heard this! 

On each occasion, I was told to call another number because my request had not been registered. The numbers I was given are : XXXX and XXXX. They are both constantly busy and I have not been able to get through. 

Can someone please report on this or help me in some way? Equifax caused this whole problem to begin with they should not be allowed to get away with shoddy treatment of their customers, who never asked to be customers in the first place. 

Thank you.
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Midstate Collection Solutions, Inc. (IL)

I noticed on credit report I keep getting the same debt reported it is on my experience account 3 times for XXXX XXXX XXXX. 
I do not owe this amount to XXXX XXXX  of XXXX Il XXXX. 
I am being charged after giving correct amount of days notice before the new lease was signed and date on signed lease is XX/XX/2020 when I was in North Carolina and I have plane tickets to get prove they falsified the document due to I have flight information of being in North Carolina not in XXXX IL AT XXXX XXXX OWNED BY XXXX XXXX I later learned. 
This was built with funding from the state and suppose to be low income housing I do not owe due to giving 60 day notice before the new lease that shouldnt have even taken effect because I had already given 60 day notice to them back in XX/XX/2020 left XX/XX/2020 And paid up for XX/XX/2020 With XXXX deposit on file and then they charged me for carpet cleaning XXXX This is a horrible place to live considering the pushy manager requiring me to sign lease when under distress of being under condition of XXXX  and in process of needing XXXX  XXXX from 2 falls at the building for to ice on wooden stairs at the bottom. 
When I know that you have to give someone the abilty to move if can not get up and down stairs XXXX XXXX  and XXXX XXXX  But still was {$420.00} and will even send you to collections when only on XXXX and no job And unable to keep using stairs due to medical reasons and they are suppose to help low income. What no concerns for residents or the medical health or mental health as harassing me to sign a lease when under stress of decisions of XXXX  XXXX stairs living alone and only laundry on first floor Ridiculous management Even had a maintenance person get arrested on property for assault of a resident while living there over a broken childs toy the maintenance man broke this even made the XXXX XXXX and review newspaper. 
Cops came and arrested him in front of the office he was still there but manager had already left for the day. 
This place may be nice apartment on inside and outside but Management says one thing but does another Asking to sign leases ahead signing wrong date actually falsified information But XXXX just doesnt want to help either even with problems with manager or apartments even though they own it!!!
Consumer complaint received 2018-07-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC (WI)

Specialized Loan Services ( SLS ) issued a XXXX to cancel the foreclosure debt in XXXX. In XXXX SLS sold my information to XXXX XXXX XXXX ( XXXX  ). XXXX XXXX XXXX purchased the information and some how got a judgement against me in a Wisconsin Court. XXXX XXXX XXXX contacted me in XXXX stating they had a garnishment against my wages from a court date that happened in XXXX. I was never notified and did not know about the court date to try to show that the debt was cancelled and no longer a valid debt. Several attorneys have told me that it is illegal to " double dip " meaning getting a tax break from the government by issuing a XXXX and then selling the bad information so that another company can collect. I would like for this to stop. I have notified the XXXX XXXX XXXX  that this was a cancelled debt and they refuse to stop with the garnishment. Stating that it is a different account number.