davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (PA)

For 3 weeks I have been receiving mail from Truist bank regarding a mortgage being taken out by XXXX XXXX on our property. After receiving 2 pieces of mail, my XXXX XXXX XXXX mother, XXXX XXXX and co-owner of the property, googled XXXX XXXX to obtain her phone number. The XXXX search found that her family owns the property located at XXXX XXXX XXXX, in XXXX XXXX PA. It seemed innocent enough at first. My mother called XXXX XXXX regarding the mail and XXXX XXXX XXXX proceeded to tell her that she is a property title transfer specialist and works regularly with Truist bank. Now we are afraid that she is trying to steal our property. She has called many times demanding the return of the mail. We have attempted to contact Truist bank regarding the matter. My mother called the first time and they blew her off. I called at XXXX on XX/XX/21 and obtained the number for their fraud dept. I spoke with someone at XXXX on XX/XX/21 who stated that there is nothing that they can do without an account number but after much insistence, the rep forwarded a note regarding suspicious activity to the fraud dept. I have not heard back from them. My mother has contacted my mortgage company, XXXX, who stated there is nothing that they can do. I obtained a copy of my credit report which was clean and opened a case with XXXX. I have obtained the names of several attorneys.I have submitted 3 identity theft and mail fraud claims with the US Postal Inspection Service : XXXX, XXXX, and XXXX. My mother filed police report XXXX XXXX. The USPIS advised me to keep the original mail. However, since it is not addressed to me, I was unable to open the mail per federal law, to obtain an account number for the bank. I hope you are able to assist in clearing this up. Thank you.
Consumer complaint received 2021-11-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

I attended XXXX from ~XX/XX/XXXX to XX/XX/XXXX. I was in the process of working on my degree when I left to join the XXXX XXXX XXXX. I had to pay back my loan over the next few years. During the initial in-processing to the school they had my mother sign up to what they called the XXXX XXXX ' loan. I'm unsure of the specifics of it, but I believe it basically copied my loan onto my mother in case the loan didn't work for me. Years later the lawsuit against XXXX came about. I'm again unsure of the specifics or if it even resolved. Despite my loan having been paid back in full by this time I was never reimbursed for any amount I gave. Likewise, my mother is still being forced to pay back her 'portion ' of the XXXX XXXX loan. Not only should my portion of the loan be forgiven and reimbursed, but the XXXX XXXX portion should also be nullified and my mother reimbursed.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (IL)

Last XXXX, I took a trip to XXXX and XXXX XXXX XXXX XXXX XXXX luggage. I attempted to use the benefits provided to me with the Chase card I booked my ticket with to hopefully intervene on my behalf or to be reimbursed for my luggage. I filed a claim with them online but never received a response. Their customer service was extremely unhelpful or non-responsive. I haven't yet received closure with Chase and they never followed up with my claim. I was just made aware that I can file a complaint with CFPB. 

Thank you.
Consumer complaint received 2022-07-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SMITH, ROUCHON & ASSOCIATES, INC. (LA)

According to my credit report, It is stating that I have a {$28.00} collection from Smith Rouchon and Associates. It has been documented that this account has been opened since XX/XX/XXXX. I just recently seen this remark on my account when I tried to purchase a home. I sent a letter to their office on XX/XX/XXXX. It has been longer than 30 days and they have not responded to my letter. What are my next steps? By law it has to been removed from my credit report Correct?
Consumer complaint received 2019-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

I received the attached document from XXXX XXXX XXXX today XX/XX/XXXX. They claim my late payment occurred in XX/XX/XXXX. Their records clearly show the actual late payment occurred in XX/XX/XXXX. I would like my credit to be updated with accurate information and change the late payment from XX/XX/XXXX to the correct date of XX/XX/XXXX. It is not right to damage my credit now for a late payment 17 months ago. I have been working to rebuild my credit in the last year and this was an undeserved hit on my credit!!!! Please suggest the company correct this inaccurate entry. 
Please provide me with information regarding the next step to take if they are unwilling to cooperate. Would it be to involve an attorney? 

Thank you, XXXX
Consumer complaint received 2022-04-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Patient Accounting Service Center (FL)

I received letter dated XX/XX/XXXX stating payment was due on XX/XX/XXXX and a courtesy plan was set up. I was never advised I could verify or dispute debt. In addition, I have made a payment on XX/XX/XXXX and I asked the representative if there would be a follow-up letter sent out in regards to the payment and she stated it would. I never received the letter. I fortunately saved the previous letter and called to make a payment on XX/XX/XXXX and asked the representative about my previous conversation with the representative and he told me that they do not send out multiple letters unless there is a payment arrangement set up and I asked, How can I verify what is due and the payment amount. I advised that typically collection companies will send out some form of communication regarding the debt he advise that their company does not.
Consumer complaint received 2022-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (SC)

Refinanced with XXXX XXXX regarding mortgage. BSI Financial Services has received the payoff and it payoff has been applied to my loan. Received a letter dated XX/XX/2022, from BSI Financial Services stating that " This is to inform you that your mortgage has been paid in full. '' The letter stated " a release of lien will be prepared and mailed to the county courthouse where the property is located. Please check with your local courthouse if you do not receive a copy of the recorded release. '' As of XX/XX/2022, the courthouse had not received a release of lien from BSI. I contacted BSI and they stated they could not find any record where their company had completed the document. I have called several times and no one at BSI can provide me with any information or resolution on why the release of lien document has not been prepared and sent.
Consumer complaint received 2021-11-13
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: EQUIFAX, INC. (NJ)

XXXX XXXX at XXXX XXXX XXXX, PA XXXX I sent letters to this company XX/XX/2021 to verify that what is reported on my credit report is accurate. They have not provided me with any proof of verification and are still reporting inaccurate data on my credit report. 

1. XXXX XXXX The date of the last activity is different on every bureau report, the collection account is being reported as an open account, and Equifax is still reporting positive payments. 

2.XXXX  XXXX date of last activity is different on each bureau, Equifax is reporting on time payments, each bureau is reporting a different high credit amount.
Consumer complaint received 2022-06-09
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. (NC)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2019-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

THOSE INQUIRIES LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE INQUIRIES ARE DUE FOR REMOVAL OFF MY REPORT. PLEASE HAVE THEM REMOVE OFF MY FILES.
Consumer complaint received 2019-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

I can not pull my Equifax credit report. 

My address is : XXXX XXXX XXXX XXXX SC XXXX My ssn number is : XXXX My date of birth is : XX/XX/1986 My information must be mismatched in the system. So please make sure that it is correct.
Consumer complaint received 2022-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

Received letter from XXXX XXXX XXXX saying I owe {$180.00} to banana republic ( Synchrony Bank ) said the account was opened in XXXX of 2019 this is the first time Ive heard about it. I never opened a banana republic account
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I previously asked for an investigation as this company is not providing information that is accurate. This company is reporting that this account is paid in full a payment and I'm asking if this is true can they provide proof of paid in full. This company can not provide me with proof because this account is in litigation with a balance and this company is providing information that's not factual data on my credit file.
Consumer complaint received 2021-11-13
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

I XXXX XXXX, am a consumer/natural person, I am submitting this complaint for myself, there is no third party. 
I have been disputing THE DEP OF EDU with no resolve. They did not have written consent to furnish any information on my report which is a violation. It is disheartening that negative information that a consumer has the right to dispute and have their report reflect positively is not taken seriously or given any old response too close a complaint.
Consumer complaint received 2021-11-13
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: EQUIFAX, INC. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX-XXXX Inquired XXXX XX/XX/2021 XX/XX/XXXX
Consumer complaint received 2021-11-13
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: EQUIFAX, INC. (CA)

Hello. On XX/XX/2021 I made a payment of {$360.00} to XXXX XXXX to settle my debt with an old XXXX account. I was informed that this account, XXXX, and all negative remarks would be deleted from all three credit reporting bureaus : XXXX, Equifax, and XXXX. Eleven months later, XX/XX/2021 the XXXX account is STILL on my reports. Much to my dismay, it showed up on a Tenant Screening process when I was trying to move. : ( I have contacted the original creditor, XXXX, several times, and each time I am told that they no longer have my account documents, that all documents were transferred to the collection agency, XXXX XXXX. 
Upon reaching out to XXXX, XXXX, and Equifax, I was told that " The account was transferred to another agency, '' and that I need to contact them to remove it, which I did SERVERAL TIMES -- XXXX XXXX. 

On XX/XX/2021 I received a letter from XXXX XXXX stating that the Fingerhut account will be deleted from all three credit bureaus : XXXX, XXXX, and XXXX. Yet, here it is XX/XX/XXXX, and it is STILL on my credit reports negatively effecting my credit score, and interfering with my plans to move. 

Please help me. 

XXXX XXXX XXXX
Consumer complaint received 2022-08-01
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. (TX)

This is also being sent to Texas Governor, ATTORNEYS, and XXXX  Because enough is enough. If I am wrong in some way ; SPEAK UP!!!!!! Attached is letter from XXXX XXXX XXXX XXXX ( XXXX ) reflecting my credit inquiry was pulled on XXXX. Also attached is the permission request used to pull my credit report on XXXX. ONE DAY AFTER!!!! I have been saying this for years but both companies are ran by children. 
XXXX XXXX XXXX XXXX pulled credit report without permission. Experian released information without proper permission. Experian and XXXX are unlawful! This was a fraudulent and forged document loan that I have been battling for XXXX plus years. XXXX will label this without reading and Experian will merely pass the buck and forward to XXXX who then labels as duplicate complaint. I am requesting Experian not be lazy and do a thorough investigation by just looking at attached documents for proof. Experian is responsible for my information and I am requesting they perform as an intelligent and professional company that protects their clients information. Yes their money making client can make mistakes. Experian had no right to release and XXXX had no right to request.
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NJ)

I contacted the credit card company and asked about my authorized users. I wanted to confirm who I had listed. And for some odd reason they tried to run my credit. I already have a credit card with them. I wasnt even adding a user I was simply verifying who I had listed. I contacted them immediately when I received an alert that they were running my credit. They sent me to multiple departments within their company. And I was told it would be removed within 10 days because I had not authorized them to access my credit. To this date it is still showing on my credit bureau from XX/XX/2021.
Consumer complaint received 2022-06-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Goal Structured Solutions, LLC (CA)

On XX/XX/2022, I contacted Launch Servicing to initiate a Natural Disaster Forbearance for the California Coastal Wildfires ( per FEMA ). After speaking to another representative on XX/XX/2022, I was advised on a recorded call that a bank statement would be sufficient to prove my relocation back to California after a short stint in another state for work which I immediately provided via the online portal. At this time, I also advised this agent that the disaster affected my employment, not my residence ( landscaping, which takes us to multiple locations throughout XXXX and XXXX counties ), and was advised that this would acceptable. 

The following day today, XX/XX/2022 I was advised via email the need for a copy of my Drivers ID instead of the aforementioned bank statement, which was previously advised and promised would be sufficient to process the Natural Disaster forbearance. Launch Servicing has by far been the most difficult Servicer to deal with, and has continuously provided me false promises regarding my loans and financials, and has caused me ongoing and severe medical distress.

At this time, I have sent all the documentation that I will be sending to Launch Servicing, as previously advised. Further, Launch Servicing claims that my loans are owned by XXXX XXXX an entity that the Borrower is unable to reach directly, while these matters continue to violate the rights of Borrowers struggling with repayment due to hardships or in my case, a Natural Disaster and wildfire in California as FEMA declared in XXXX, XXXX. 

This matter remains time urgent, and at this time I am requesting immediate phone contact from XXXX XXXX Executive Management and the urgent placement of my loans into a XXXX l-day Natural Disaster forbearance as previously advised and promised by Launch Servicing staff on XX/XX/2022.
Consumer complaint received 2021-11-12
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. (VA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-11-12
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. (NV)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2022-07-27
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Byrider Franchising, LLC (OH)

I have a car loan through CNAC. They have consistently called me multiple times in a day. On XX/XX/22 they called me XXXX times once at XXXX, XXXX and again at XXXX pm. They have called twice on XX/XX/22 once at XXXX am and again at XXXX am and it is currently only XXXX am. I have asked them to cease all calls and communicate only through letter or email, however I have still received calls.
Consumer complaint received 2022-07-02
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. (NV)

I asked the credit bureau for a verification of everything on my credit report for the account name, XXXX for account number # XXXX on my credit report. They stated everything was accurate. But I did a through research myself and found inaccurate information. Notice that date opened on the credit bureaus are all incorrect. 

In accordance with the fair credit reporting act, XXXX  account # XXXX, has violated my rights.

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 an account without my written instructions.
Consumer complaint received 2021-11-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY (TN)

Per my request to Wells Fargo I advised them in writing that I was mislead and mistreated on the day I purchased a car. I notified Wells Fargo verbally on multiple occasions expressing my concerns with their company. The contract was very Confusing and misleading per the fraud services that were added without my knowledge which was GAP insurance and extended service. This was in fact removed off of my contract by my complaint but it was already included in my price of my car leaving the dealership. I have been struggling with this complaint since the beginning of the contract speaking with those at Wells Fargo! I spoke with a representative due to a returned VM early 2021. I was advised that she was going to escalate my complaint to the executive office and someone will be in touch with me. I received a call back in XXXX by a person in the executive office which he asked me to restate my concerns that were in the letter. As I was already frustrated by speaking with the rep before him and already voicing my concerns and demands I went ahead and repeatedly advised him of the laws, violations and issues that I had with the company. The laws that Wells Fargo is in violation of is :15 USC 1605-1692 Fair Debt Practices, 15 USC 1681 FCRA, 15 USC 1601-1667f Truth in Lending Act, 15 USC 1691 The Equal Credit Opportunity ACT, 15 USC 6801*6809 The Gramm leach BALILEY ACT USC 1605 states and 12 CFR226.3 : Transaction should be the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed. The amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. I am paying cash for my car loan monthly which this was already paid by my Estate per my bonded birth certificate. Also no cash transaction are legal on this loan per this law. The rep advised me this was NOT against the law which is incorrect! 15 USC 1605 states that at the time of purchase a client 's liability insurance must be added in with the car price and finance charges, this did NOT take place either because I pay monthly for my car insurance which includes liability coverage and collision coverage which was required before I left the dealership with the vehicle I was purchasing. At this point I am escalating this to CFPB due to illegal practices with this company and since a right to rescind which by law I was also NOT provided in writing or verbally I am demanding this contract to be null and void per 12 CFR226.3 I know by law that I am not liable for any finance or other charges!