davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FREEDOM FINANCIAL NETWORK (AL)

I have an account with Freedom Debt as a consolation debt. I have been paying on it for years. They sent me an email telling me to increase my amount and it would be paid off sooner so I called for the payoff amount and sold my XXXX and sent the money in XXXX. I have called, emailed, and chatted with about 20 different people to find out why it has not been closed yet and they are still taking out money of my account twice monthly since I paid them the remainder of my payoff. Now I get an email after I sent them one asking why this has not been resolved after I have been told every time I get in touch with them that it would be taken care of that week! Now this email is telling me I owe them another {$260.00} dollars. Talk to them this morning and they told me it was one of my debtors asking for full payment, it is funny because this creditors did not settle and asked for full amount when they tried to settle with them but now they say the creditor was full amount, I was paying them full amount so why more money! Plus they are taking money out of my account monthly, which at first they said I would get back when closed but now they are saying it is for monthly fees, I feel I am being punished for trying to pay off early but the email they sent me back in XXXX never said anything about being punished for trying to close this matter. 
Thanks in advance for your help in this matter, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (IN)

GM Financial sent an invoice for lease end fees which was received by me approximately three days before it was due, and with absolutely no information regarding the rationale for the charges. I attempted multiple times to challenge this before contacting CFPB. The CFPB inquiry fortunately finally got me a response from the company. Unfortunately, the company 's delay in response resulted in over a month without resolving the issue. Before I even received the physical copy of the response from the company, they reported my account ( which was being contested by me ) as past due. The company is now refusing to remove that reporting, despite the fact that the payment was not made as a result of the company 's own delay in response. I feel they are trying to use credit reporting to strong-arm consumers into paying unsubstantiated assessments.
Consumer complaint received 2020-05-21
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. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2023-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XXXX XXXX, XXXX, I received a copy of my credit report from Trans Union. While going over my report I noticed several inaccurate phone numbers that do not belong to me and should be removed from my credit report immediately. The following phone numbers have never belonged to me : XXXX XXXX I demanded that these inaccurate phone numbers be removed from my credit report immediately.
Consumer complaint received 2020-06-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery has engaged in a relentless pursuit to collect a debt already settled. 
On two occasions Portfolio Recovery was notified that the credit card debt they seek to collect was settled more than three years ago. Furthermore, I am currently in good standing with that credit card company. 
Calls are at random hours and often well before XXXX XXXX. On two occasions calls were received after XXXX midnight. In these instances their number was entered on a police complaint hotline. 
Moreover, several of their numbers have been entered on the national do-not-call list. 
Apparently, this collection agency has found a way to completely ignore the do-not-call list by using other random numbers. Also, written notices, and requests to cease and desist have also been ignored. 
The ongoing abuses include : ( 1 ) failure to leave a message and causing frequent crowding of the home answering machine ; ( 2 ) quick re-calls are relayed to personal cell phone when home phone calls are blocked ; ( 3 ) overload to call blocking is created by randomly using in excess of 140 different numbers ; ( 4 ) random calls are also made via unavailable, unknown, or invalid numbers to avoid call blocking of numbers identified as Portfolio Recovery. 
A list of the random numbers used by this collection agency can also be sent at your request. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-23
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MA)

Contacted experian about credit score not being updated for months, Ive been making payments on all account on time, and no recent negative posting from XXXX but my score doesnt change positively at all. Also submitted several dispute to remove negative information and statements on the report and keep showing same information. I have credit history for over 9 years but experian keep showing and saying on my report that I have a short credit history.
Consumer complaint received 2020-06-23
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. (TX)

XXXXDispute XXXX  XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX, XXXXDispute XXXX XXXXDispute XXXX XXXXXXXXDispute XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX  XXXXXXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute filed ftc on all the accounts above
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MA)

In XXXX of this year, my division at the University where I had been employed for 18 years was forced to downsize due to COVID. As a result, I took early retirement and sought employment in the private sector. I was hired for a new position starting in XXXX. Knowing that my budget was going to be tight until I again began receiving a paycheck and until my pension kicked in 90 days after retirement, I tried to contact my loan servicing company to work out a solution. In countless phone calls to LoanCare customer service I was either placed on hold for over an hour or disconnected after following prompts to speak to a representative. I tried over and over to contact LoanCare but was unsuccessful. Left with little alternative, I continued to send payments toward the account in amounts that I could afford and when I could. LoanCare , LLC continued to send letters of default and I continued to try to contact them to no avail. I finally contacted my mortgage broker who originally processed the loan and he was able to arrange through his parent company a conference call with me, him and a LoanCare representative. During the course of this call, it was revealed that, while payments were being withdrawn from my bank account, they were not being credited to my mortgage account. I indicated that I now had the resources ( with a regular paycheck and pension ) to bring the account current by the end of XX/XX/XXXX. I have made these payments and had a conversation with a LoanCare representative " XXXX '' on XX/XX/XXXX in which she confirmed that the account was current and no payment would be due until XX/XX/XXXX. However, when logging into the LoanCare website, the site still indicates that there is a XX/XX/XXXX payment due. I have been messaging Loancare daily through their website for clarification regarding this matter, however no response has been forthcoming. A quick XXXX search for LoanCare , LLC shows that there are numerous customers who have similar issues trying to communicate with this company.
Consumer complaint received 2023-03-04
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. (SC)

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights.15 u.s.c 1681 section a. states i have the right to privacy.15 u.s.c 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-12-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (NY)

XXXX XXXX XXXX XXXX I am the primary account holder, and they list my spouse as a secondary borrower. 
She has been an authorized user only, since this account was opened XX/XX/87. 
JC Penny insists that she is a co borrower, even though they can not provide proof. 
Attached is a response to my request. 
I asked for the credit application to prove to me that she signed for this account. They can not produce the application. Reasons in the letter, online application, in XX/XX/1987 there was no online process to apply. Applied in store, we had a newborn at the time, and she was not able to go to a JC Penny store. Also, she was not working at the time, and had no income to apply for credit.

If they can not prove she signed for this, or any information that was given, she should no longer list her as a secondary account holder.

I never had any reason to question this until 2 months ago when I incurred trouble paying on time. I always paid this monthly bill, and she had never even seen it.

Please assist in having JC Penney remove her name from the account.

Thank you in advance. 

XXXX XXXX
Consumer complaint received 2020-06-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I took a cash advance from this company in the amount of {$1700.00} on XX/XX/2020 and paid it back in full today, XX/XX/2020. I had the loan for 16 days and was charged over {$450.00} in interest which amounts to an APR of over 650 %. The APR I was quoted was 299 % which is bad enough. This company preys on individuals who find themselves in bad situations for whatever reason. Then, they charge more than twice the interest certainly that I was expecting. I dont see why these types of companies are even allowed to do business in this country.
Consumer complaint received 2017-10-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (CT)

Navient manages my student loan since taking over from XXXX XXXX. 
My loan increased from approximately {$60000.00} to over {$120000.00} due to the crooked devious stonewalling tactics of Navient and XXXX XXXX including : -created obstacles to repayment by providing bad information ; -loan payment of over {$1200.00} a month ; -illegally claimed my loan was in default destroying my credit rating when in fact it was in forbearance : ; hiding access to income based repayment plans to increase unpaid interest accumulation on outstanding loans ; -denied receiving application forms and documentation asking for forbearance because I did n't know income based payments were available, -failed to act when I complained to Navient, XXXX XXXX AND their crooked XXXX ombudsman ; and illegally cheated me a struggling borrower out of their rights to lower payments, which caused them to overpay for their student loans. 

I have a stack XXXX inches thick of evidence since XXXX against Navient and XXXX XXXX showing how they lied, cheated me and stonewalled. Copies of what they did to tank my XXXX XXXX. Letters to the Attorney General of my XXXX, the XXXX, the XXXX XXXX XXXX. Most notably I have copies of correspondence from the worthless XXXX XXXX, Office of the Customer Advocate at XXXX XXXX, the worthless XXXX XXXX, XXXX XXXX XXXX XXXX at Navient and the worthless Ombudsmen at the XXXX Ombudsman XXXX XXXX XXXX -- all of whom refused to assist me.
Consumer complaint received 2020-05-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pressler & Pressler, LLP (PA)

In XX/XX/XXXX, I have received a letter in the Mail from Pressler, Felt, and Warshaw.

On XX/XX/XXXX ( The letter was received by someo
ne else ), I have sent them a copy of the original debt collection letter, along with what I have received from the original collector. This was sent by certified mail article number : XXXX XXXX XXXX XXXX XXXX In XXXX, I called requesting an update, and spoke with a Mr. XXXX XXXX. Advised that I sent them the letter, and still waiting for a response, and wanted to know why that item is showing on my credit report when i have it in a dispute status. I was told that they never received the items, and I told him what I'm requesting for validation ( signed applications, and at least three statements that one must show a charge ). 

I have received three statements, but nothing showed a charge on them ( How can I verify I actually had a charge, if all I see are fees )? How can I verify that I actually signed an application for what they are collecting for, along with the interest rates? 

On XX/XX/XXXX, I have sent a second letter to them certified mail article number : XXXX XXXX XXXX XXXX XXXX One reminding them that I'm still waiting for the verification documentation, along with an initial settlement offer since. 

Today XX/XX/XXXX, I pulled my credit report, and this item is still showing on it as a collection item. It has been in a dispute status XX/XX/XXXX.
Consumer complaint received 2020-06-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

XX/XX/2016 FOR 3 CHARGES. 

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
Consumer complaint received 2022-05-14
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. (MI)

I submitted my police report to Equifax detailing fraudulent accounts reporting in error on my credit report. The account numbers and fraudulent account details were included in my police report. I also included a copy of my drivers license and social security care. I requested that the fraudulent account be removed pursuant to the Fair Credit Reporting Act, Section 605B. Equifax processed disputes and " verified '' my name and social security number that has been breached and ignored my police report detailing the fraudulent account that I did not open.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

this complaint starts with CFPB complaints including XXXX, with incorrect late payment reports. this complaint was not adequately addressed with Experian and other CRAs, believing the complaint was not made by me, XXXX XXXX, and therefore was not addressed. XXXX  and XXXX  also have not yet adequately responded. PLEASE HAVE CRA REPRESENTATIVE CONTACT ME DIRECTLY FOR COPIES OF SENSITIVE FINANCIALS THAT PROVE LATE PAYMENT REPORTING IS INCORRECT. (  the following was my feedback to complaint XXXX ) This complaint is mine, XXXX XXXX, and was written and furnished by me to the CFPB for their assistance in correcting wrong and derogatory reporting by these creditors, XXXX XXXX, XXXX, and XXXX, to the CRAs. Please assist me and the CFPB in removing all reporting by these creditors. The creditor is not adjusting the reporting to CRAs as it might reflect guilt during this civil litigation and the issues are sensitive to the mismanagement of escrow funds and violations of RESPA, namely refunding surplus escrow funds. These are the primary reasons the creditor refuses to change CRA reporting and why I, XXXX XXXX, am asking the CRAs to work directly with me and my documentation that proves the mortgage servicer has always been in receipt of the monthly payment, or more, within 30 days of the due date. I am looking forward to a representative from each of the three credit reporting agencies to contact me directly at XXXX for copies of my financials, including mortgage statements, that will not be made public or shared with any other party.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

ACCOUNT INFO REFERENCE NUMBER XXXX U.S BANKRUPTCY COURT I HAVE REACHED OUT TO TRANSUNION SEVERAL TIMES TO REMOVE THIS PUBLIC RECORD OFF MY CREDIT REPORT I HAVE ALREDY GOTEN XXXX  AND XXXX  TO RESOLVE THIS PROBLEM THIS BANKRUPTCY ON MY TRANSUNION FILE SHOULD NOT BE THERE BECAUSE I DIDNT FILE FOR BANKRUPTCY THIS IS INCORRECT INFO
Consumer complaint received 2020-06-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CIT BANK, NATIONAL ASSOCIATION (WI)

I have set up autopay with the bank, received confirmation : auto-payments did not go through and I am charged condo association fees, had to set up again with agent helping me. 
Banks website is not functioning properly and it cost me money
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : ACCOUNTS XXXX XXXX XXXX  XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late Identification already on file, no changes, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Consumer complaint received 2020-05-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Meridian Financial Services, Inc. (IL)

The same day our meeting with XXXX XXXX in XXXX XXXX we were informed, XXXX XXXX was a scam and to cancel immediately. I contacted an attorney and the XXXX XXXX XXXX in XXXX XXXX that same day of our meeting and was told I had 24 hours to cancel and how to cancel which I did. Enclosed you will find copies of the paperwork, which was notarized, stating we canceled this purchased within 24 hours of the transaction, and I personally gave to XXXX XXXX XXXX XXXX XXXX, the very next morning, less than 24 hours. They accepted the paperwork. However, they also did not refund our money back. We had paid them {$8000.00} cash. 
When I received a call from a collection agency, I explained ( like Im doing now ) what had happened. They told me I had done everything properly and they would not contact me anymore, which they did not. Now were trying to qualify for a mortgage, but this popped up and so did my XXXX XXXX. We had been scammed. It was placed on our credit XX/XX/2015. Its bad enough we lost {$8000.00}, but our credit too? I've included attachments showing proof of our cancellation.
Consumer complaint received 2020-06-23
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. (FL)

fraud account 1 } XXXX XXXX  Original creditor : XXXX XXXX {$840.00} 2 } chapter XXXX bankruptcy 3 ) XXXX XXXX  XXXX XXXX {$850.00}