davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (FL)

i received a copy of my credit report and found collection debts that did not belong to me and was a result of identity theft. I disputed the accounts and reached out to the companies involved and to my dismay these companies did 3 things. They removed the debt from my account and sold it to another collection company who in turn placed it back on my credit file. They updated the information without doing an investigation according to the fcra laws set in place to protect me as a consumer. They also sent me copies of bills that still didnt belong to me but nothing of an original contract bearing my signature or copies of my personal information.
Consumer complaint received 2019-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

Re : Mortgage XXXX I paid my insurance by credit card and I asked US Bank to either remove the insurance part from escrow or reimburse my recently-paid insurance premium through check. 
I already contacted US Bank about this ( and last year too ) and I was told that it's possible for me to pay insurance directly and US Bank will issue a check to reimburse me ( even though the mortgage will still include insurance as part of escrow ). 
But even after telling me that US Bank can reimburse me through check ( and I also contacted US Bank several times regarding this issue ), it still send payment to the insurance company even though it's already paid off. 
I'm not asking a mortgage reduction and I never miss a mortgage payment. I just simply asked to pay the insurance by my own and US Bank to reimburse me by sending the check to me ( instead of sending it to the insurance company ). 
This reflects that US Bank doesn't really care about its customers at all.
Consumer complaint received 2019-03-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/18 I filed a complaint with the CFPB regarding the request for investigation I made with two credit bureaus, report # XXXX ( XXXX ) and XXXX ( EQ ). 

I received a response from the CFPB that despite multiple attempts on my part over the course of several months for Equifax and XXXX stalling that they would still be given another 90-days. Well guess what, today is day 90 and they have NOT responded or deleted the unverified information from my report. 

HOW ARE THEY ALLOWED TO DO THIS? I am again asking for your support in having this deleted. 

MAKE THEM COMPLY WITH THE LAW. I can't keep keeping up with this. I shouldn't have to. It's stressful and harming my score. If you can't make this happen what other government agency do I complain to? This is ridiculous at this point, they have not done a reasonable investigation nor complied in a timely manner!
Consumer complaint received 2020-04-24
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Consumer complaint received 2019-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2019, I was in XXXX ( located at XXXX XXXX XXXX, XXXX NY XXXX ) and after I made a purchase I either lost my ATM/Debit Card, or it was stolen. 
The next day when I called my bank ( TD Bank ) to check my balance I found three unauthorized transactions on my account and told the bank representative that I did not make these three purchases. The three unauthorized transactions were another transaction at XXXX, a transaction at XXXX XXXX XXXX XXXX and a transaction at XXXX XXXX. 
When I informed the bank representative that I did not make these purchases, I started a fraud claim with the bank. The next day I was told that the bank believed that I made those transactions and that they were not fraudulent because the transactions were in-person, using my bank card. I did not make those purchases and closed my claim. 
I demanded to speak with a supervisor. The supervisor informed me that because the bank believes I did make those transactions, so I must file a police report for the bank to refund the stolen money. 
I went to the police department on XX/XX/2019, and filed a report with the detectives. The detective was able to obtain surveillance video and pictures from the video which he showed to me and gave me copies of. I gave the report to the bank, along with the pictures. The pictures show a young XXXX woman using the card to make the transactions. I am an old XXXX woman. Clearly I am not the person in the pictures making these purchases. 
Since giving the report and the pictures to the bank I have called for updates on at least three occasions. The bank 's fraud department tells me that my first claim was denied and they do not see a second claim ( the one with the police report and pictures ). I have asked them reopen the claim with the supporting papers, but they tell me I " probably won't get the money back anyway ''. 
It was not a lot of money ( {$230.00} ), but I am an elderly woman and a very fixed income. That was all the money I had for my food and medicine until my next social security check. 
The bank has been rude and unhelpful, accusing me of making the purchases when I clearly have not.
Consumer complaint received 2019-11-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AR)

Every other month Loancare send statements telling me I have a shortage just to get extra money from people so a shortage they said I had back in XXXX that had been paid off they are still making me pay on an Esrow shortage that I dont have and I have requested a them to update my esrow and they are refusing to do so so I will have to keep paying for something I shouldnt be paying for.
Consumer complaint received 2019-11-05
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. (PA)

I filed a dispute with Experian pertaining to an account on my consumer report.The account has collection listed date opened that is incorrect. Experian did not provide me with the method in which they verified the account information.
Consumer complaint received 2019-11-05
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. (AK)

I have disputed information to Experian several times about a company called XXXX, who has been reporting to my credit report since 2004. Information on credit reports are not supposed to say longer than 7-10 years for starters. XXXX PROPERLY reports an account as closed and discharged in a Chapter XXXX bankruptcy with EVERY credit reporting agency, EXCEPT Experian. Experian has continued to allow this company to report negative, incorrect information to my report. I have followed all their rules. I have uploaded all the documents, certified copies from the court, copies of other credit reports, STILL they allow this to go on. THEY NEVER contact me when the " dispute '' has been " verified '', I have asked REPEATIDLY for them to send me PROOF of HOW they verified it, they won't. When I try to dispute it again, they say it has already been verified and I am not entitled to dispute it again. I AM BEYOND frustrated and do not know what more I can possibly do to get them to get this cleared up. PLEASE HELP!!! It is unfair and violates EVERYTHING about the FAIR credit reporting act. 

Attached is a copy of the closed account from XXXX XXXX showing the account closed in XXXX and XXXX XXXX. THIS is accurate. Now, if you can get EXPERIAN to update THEIR information CORRECTLY and STOP telling me they HAVE verified it as open and active.
Consumer complaint received 2019-11-05
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. (MI)

There was an account opened on XX/XX/2019 with XXXX XXXX XXXX XXXX with a balance of {$16000.00}. I made payments on this account while trying to get it disputed. As well on XX/XX/2019 another account was opened with XXXX XXXX XXXX XXXX with a Balance of {$20000.00}. I made payments on this account while trying to get it disputed. This is a fraudulent account results of Identity theft. I was told from the company that these accounts were registered in XXXX, Georgia and I reside in XXXX Michigan.
Consumer complaint received 2019-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Greentree & Associates (WA)

Going threw a divorce. Contacted greentree to get some help with payment modifications because now down to 1 income. Was told they could not help me because I wasn't behind in payments. Told me to skip a payment. Then they tried to foreclose on me. And I believe I missed out on some settlement because I had declared bankruptcy.
Consumer complaint received 2019-11-05
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. (FL)

Experian is reporting DUPLICATE accounts on the XXXX XXXX/XXXX/XXXX account numbers XXXX and XXXX. ( Please see page attached from my credit report. ) This is a violation of the Fair Credit Reporting Act and these two line items need to be removed from my credit report. This incorrect reporting of duplicate derogatory accounts is seriously harming my credit. I have contacted the bureau to remove these items however, I have not been successful.
Consumer complaint received 2019-11-05
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (MA)

The following companies withdrew money from my savings account with Citi Bank : XX/XX/2019 XXXX XXXX Remittance  {$1400.00} XX/XX/2019 XXXX XXXX {$6800.00} and {$6500.00} XX/XX/2019 XXXX XXXX XXXX {$7200.00} XX/XX/2019 XXXX {$4200.00} All transaction were done fraudulently and I have never had combinations with any of the above Companies until I started contacting the companies to report the transactions as fraud. 

Citi Bank not once contacted me to make me aware these transaction were being processed nor did Citi Bank ever return any of my calls when we would get disconnected. the letter Citi Bank sent me gave me incorrect information on how to contact XXXX XXXX and made me contact XXXX  XXXX XXXX to get the merchants correct phone number. Citi bank did not conduct an accurate investigation on their end is making myself do the investigation for them. I am their client and been their client for over eleven years and I am appalled of their customer service and lack of disregard for their clients. I informed the bank in XXXX to not further allow any company that tried removing money from accounts and they did do their job. They allowed 5 fraudulently transactions to post on my account from 4 different companies with out properly alerting or questioning the third party. 
When the incidents first occurred a representative informed me to go to my nearest branch and close accounts I had and to reopen new accounts. I did so and had to drive to XXXX, CT on XX/XX/2019 to do so. However once I opened my new account the wire transfer occurred again and once again without any communication from the bank.
Consumer complaint received 2019-11-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

XXXX XXXX stated once current on payments, all late payments would be removed from credit file. Company continue to furnish improper information on credit file according to FCRA Guidelines.
Consumer complaint received 2019-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MI)

There was an account opened with XXXX XXXX on XX/XX/2019 and had a high balance of {$2900.00}. I made payments on the account while attempting to dispute. Im hoping to have results now. Also, on XX/XX/2019 there was another account opened with XXXX XXXX XXXX in the amount of {$2600.00}. These accounts are fraudulent and Im told were registered to North Carolina and I reside in Michigan.
Consumer complaint received 2019-11-05
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. (FL)

THE FOLLOWING COLLECTIONS ACCOUNT IS REALLY INVADING THE OVER-ALL HEALTH OF MY CREDIT REPORTS. THE ACCOUNT FOR XXXX XXXX, IN WHICH THE ORIGINAL CREDITOR IS XXXX IS DISPLAYING A BALANCE OF XXXX, IN WHICH THE ACCOUNT HAS BEEN OPENED SINCE XX/XX/XXXX. AFTER SEVERAL ATTEMPTS AT REMOVING THIS ACCOUNT SINCE XX/XX/XXXX, I FINALLY WAS ABLE TO GET THIS NEGATIVE ACCOUNT REMOVED BY EXPERIAN AND XXXX. NOTHING HAS BEEN DONE OR SAID BY XXXX. WHY HASN'T XXXX   DONE ANYTHING ABOUT THIS MATTER WHEN WE CAN CLEARLY SEE THAT THE OTHER TWO CREDIT BUREAUS FULFILLED THEIR TASK BY GETTING THE ACCOUNT REMOVED. I DEMAND TO KNOW THE REASON WHY THIS ACCOUNT IS STILL DISPLAYING UNDER XXXX AND WHY HAVE THEY NOT RESPONDED BACK TO ME!!??? THIS IS REALLY IRRITATING MY LIFE-STYLE AND THE GOALS I HAVE YET TO ACHIEVE.
Consumer complaint received 2019-08-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings (TN)

I paid this off and the XXXX XXXX came out of no were and it’s hurting my score and it needs to be took off so my scope can be fixed it’s was thru speedy cash
Consumer complaint received 2019-03-12
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. (KY)

Good Morning, I am reporting Equifax for a second time as I have a 7 year Fraud Alert as I have been a victim of identity theft. 

I reported Equifax prior to another incident as I was never notified or contacted as per the direction of the law and the point of having a 7 year Fraud Alert. 

This second ( Current ) Incident my credit was ran 4 times in the Month of XX/XX/2019 on these dates XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX As a victim of identity theft there are steps in which that need to be followed. And yet again Equifax has not handled this per protocol. No contact was made to me regarding these inquiries. And it is beyond belief that I have to report them a 2nd time.
Consumer complaint received 2019-03-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (OH)

Hello CFPB, Navient has told me over and over again that my private loans only get a forbearance like 3 times. I've been laid off since XX/XX/XXXX and I have not found another job yet. I live in a village about XXXX people. There are no jobs. I have been trying. My sister just passed away and it takes time to get through something like this in the family. Navient customer service has been unreal. I call the customer number and explain many times over my situation. I feel duped by this company. This company has no empathy for someone like myself. I get laughed at by the XXXX  who said I call their Customer Advocate and get a claim. But then they give me these numbers that only bring me back to them over and over again. 

So do I need to get a lawyer? I have asked many times over how much have I paid in in interest payments to them the past 9 years? I'm told for a loans of ( XXXX ) I will have to pay until XXXX. Seems unreal to me. I can't believe the customer service ethics. They don't care really don't. No one seems to understand that if you don't have money you don't. 

10 years ago who were to think that this would happen? No career job and the hype of these loans? Also my co borrower is my mom and she is XXXX years old and not feeling well. They keep calling and harassing her all the time. 

I need your help!
Consumer complaint received 2019-03-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXX is reporting an account on my credit report that I have no knowledge of. I have asked them multiple to provide me detail about this account such as doctor name, full account details, documents with my signature, etc. The only thing they have sent me was a type letter from them. This does not provide me any information to research the account. Furthermore, the letter was sent to a family member address and not mines. I have family members with similar name, and I believe this account may belong to one of them. XXXX has not sent anything I have asked for, yet they continue to report on my credit report stating the account is accurate. Its obvious that have not research it because the address is even incorrect. Also, I have the right to know what they are collecting to confirm if the charges are correct. I need this account removed from my file immediately. XXXX is violating my rights and damaging my credit.
Consumer complaint received 2019-03-12
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)

I happened to check out what was going on with my credit report. I noticed an inquires and accounts that do not belong to me. Please remove them from my credit report immediately. This is a result of identity theft, and unfair to me.
Consumer complaint received 2019-11-05
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)

SOMEONE IS TRYING TO OPEN AN ACCOUNT UNDER MY NAME. I CALL THE COMPANY. I CANT GET THROUGH ITS AN INQUIRY FROM XXXX/XXXX I DID NOT AUTHORIZE
Consumer complaint received 2020-04-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I called Credit Acceptance and explained that I was in furlough. I was informed that there was nothing that could be done but to make payments on the account. I then explained to the agent how the cares act had established some guidelines or It was my understanding that Credit Agencies or any agency had to attempt to help us. The agent then mentioned he could place my account in some type of status but still would report late to the credit bereaus and even if I did not make any payments my car would not be repossossed. I have not received anything in the mail or in writing that explains my conversation with me and the representative over the phone. I feel like he just did not want to help and I am under the belief since the pandemic has cause this, late payments should be defferred to prevent getting a bad credit rating. Please help, Since I have a XXXX I am also requesting reasonable accommodation with the ada or adaaa, This is very troubling times and having a XXXX only makes it worse.