davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
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: EQUIFAX, INC. (MD)

To whom it may concern, Im filing this complaint because Equifax has caused me XXXX XXXX and XXXX. Moving forward, I will be seeking litigation for defamation of character of reported false items. Im trying to handle this matter now. Im depressed and saddened, I Demand that they be deleted ASAP or I will proceed with a civil suit for is damaging my character and Ive tried numerous of times to get the matters escalated and resolved with them directly. Ive been a victim of identity theft an account was opened in my name by XXXX XXXX. I submitted disputes In XXXX, XXXX And XXXX & I have been ignored every time. The account has been removed from XXXX on XX/XX/2022 and XXXX on XX/XX/2022. Admission is deletion especially if the other credit bureaus have remove this account from my credit report. I have provided all of the documentation to them such as an Identity theft report, copy of my ID and police report. Equifax has failed numerous of times in helping me get this matter remove. Under law 15 USC 1681 in 15 CSC 6992G, I have rights as a consumer where it protect me. I spoke to a specialist in the fraud department by the name of XXXX and she stated that the file was received but never process. This is totally unacceptable, I refused to continued to be treated in this manner. I never open an account or seek medical treatment with that company. I'm demanding help today.
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc. (NY)

I am a victim of identity theft. The thief has my social security number and is using it to open accounts in my name at a number of institutions, including a CashApp card from Square. When I received the XXXX card in the mail, I did not yet know about the fraud and assumed it was a promotional item, and therefore disposed of it. I need someone there to help me locate the account using other information, so that I can have it shut down. They have no customer service phone number. When I emailed with them, I went in circles for days until they insisted there's nothing they can do without the account number. I've emailed them multiple times since ( including emails for executives I found on a consumer watchdog website ), and have received no reply. This is outrageous and they should be held accountable for their absolute lack of concern for the very serious and very prevalent issues of identity theft and financial fraud, not to mention for their actual customers.
Consumer complaint received 2019-01-08
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: JPMORGAN CHASE & CO. (NY)

I check my credit score today and noticed 5 credit inquiries were made under my name on XX/XX/XXXX from XXXX XXXX without my consent or authorization. This is the 1st time my credit is impacted by identy theft, this happened to me XX/XX/XXXX when an unknown person/s took 2 vehicles out in my name, from 2 different banks at 2 different dealerships.
Consumer complaint received 2019-01-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

I sold an item on XXXX on XX/XX/19, the buyer received the item last week, left positive feedback, and paypal will not release the money because they're concerned the item hasn't been delivered. But it has been delivered. You can see from the records that it was delivered, everyone is happy, but paypal will not give me the money. 

I've called them several times, and live chatted them, and they refused saying the transaction was for a high-risk item .... I sold a drone on XXXX, the buyer received it and is happy with it, what exactly is high-risk here? 

This is a large payment company taking advantage of me.
Consumer complaint received 2020-11-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (TX)

I tried to close a loan with QuickenRocket Mortgage, loan officer quoted rate and points for the rate and all was agreed to disclosed too and locked. A few days later I got a updated Loan Estimate with a higher origination fee blindly with no contact from the processor explaining why ( never had any contact with their back office via email, phone or app ). I called their Loan Officer to find out about the higher origination fee and on a recorded line he told me that it was a mistake not to worry about it and he would get it reduced back to what was agreed upon and a new disclosure sent out he also advised me not to acknowledge the LE with the higher amount so that is what I did. 21 days later right before the closing I am told I am sorry that the higher origination fee was correct all along due to a lien that was placed on my title without my knowledge. Clearly Quicken Loans new of the lien when the new LE was sent out 21 days earlier. When I called in to find out what the higher charge was about I was given misleading and incorrect information and that I did not need to worry about it. The difference is about {$3800.00} and to find out you owe an extra {$3800.00} in closing costs days before closing after the loan officer of record told you not to worry about it that it was a mistake and he would get it corrected seems like bait and switch. I tried to escalate all the way up to the CEO XXXX XXXX but they said there was nothing they could do. This seems very unfair and deceptive in nature and not how lenders are supported to act.
Consumer complaint received 2019-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (FL)

According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.
Consumer complaint received 2019-01-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (WA)

My mortgage was with XXXX and was sold to Flagstar. I tried to process my first payment with them and typed in the wrong account number which made my payment not go through. I never received an email or phone call saying I missed a payment and when I went to go pay the next months mortgage payment it said I had late fees and wasn't paid. I called Flagstar and the customer service representative was very rude to me and asked me " If I would like to keep my home? '' and ; " just wanted to know if you wanted to keep my home? ". When I asked about the late fee, he stated " it wasn't a late fee but an insufficient funds fee. '' Federal Law states that I have a 60day grace period before late fees are charged.

I don't believe I should be charged any additional fee 's regardless of what they wish to call them to subvert the law given that I never received notice of the missed payment and I am attempting to fulfill my payment obligations in full.
Consumer complaint received 2020-06-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc. (MS)

I financed a XXXX XXXX XXXX with GM financial in XX/XX/XXXX. I needed a friend to come and co-sign for me. She came to help but we were not informed that she was signing as the primary buyer. We both signed on electronic devices not on paper and could not see the exactly what we were signing. I am the one driving the car and making the payments not her so why is she primary on her he contract.
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: Experian Information Solutions Inc. (CA)

In XX/XX/2020 a company in which I am a XXXX XXXX XXXX, XXXX XXXX XXXX, borrowed funds under three separate mortgages from XXXX XXXX  XXXX to purchase properties at XXXX, XXXX and XXXX XXXX XXXX XXXX in XXXX XXXX, Colorado. Subsequently we were advised that you had taken over these mortgages. 

In XXXX I noticed that these loans appeared on my personal credit report, even though the loans are in the name of XXXX XXXX XXXX and title to the properties is in the name of XXXX XXXX XXXX. I called and spoke with a gentleman who said he would get it taken care of. Two of these loans appear on my Experian and XXXX report, and three of them on my XXXX report. I have spoken to the company several times and sent a letter explaining the situation but the company is not fixing the problem.
Consumer complaint received 2019-03-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

I received a letter on XX/XX/XXXX stating i owed XXXX XXXX XXXX {$140.00}, from Lanier Collection Agency & Services. I responded back, late, on XX/XX/XXXX requesting information supporting the claim. To this day I have never received a response from XXXX.
Consumer complaint received 2019-01-09
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (PA)

This past summer, there were 3 or 4 payments I made to my Home Depot Commercial Credit Card that were mistakenly credited to someone elses account. Citibank ( who handles Home Depot Cards ) did finally credit my account with those misplaced payments. However, they reduced my credit line from {$5000.00} to {$600.00} because of a formula they use to determine credit limit which includes late payment history. They do admit that they posted my payments to the wrong account but will not put my credit back to the original level because they said I was still delinquent! Also, when I asked a manager to call me to discuss, she refused to give me her name or the contact information for me to file a complaint.
Consumer complaint received 2018-12-19
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: BANK OF THE WEST (CA)

Please see previous CFPB Complaint # : XXXX and review the additional documentation that further supports my claim that my credit being run by Bank of the West was unauthorized. Ive attached a copy of the pre-approval letter from my credit union, XXXX XXXX XXXX ( who currently finances my vehicle ), as well as a letter from XXXX XXXX XXXX admitting my credit was ran in error. There was no reason for Bank of the West to run my credit due to having already secured financing through my own credit union. 

I am requesting that Bank of the West remove the hard credit inquiries from my XXXX  and XXXX credit reports. 

I will pursue legal action, if necessary, to request the inquiries be removed from my credit reports.
Consumer complaint received 2019-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CT)

XXXX  refuses to properly communicate. I receive form emails that do not address the issue. I have asked them to call me but they refuse. 

XXXX  has facilitated unauthorized transactions from my business checking account. They refuse to provide transaction history.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fig Tech Inc. (OH)

My payment date for my loan was XX/XX/XXXX. I was unable to make a payment via XXXX and tried via debit card for a couple weeks as their website was not showing all images and buttons to continue to payment, preventing me from making the payment via debit card instead of XXXX. It wasnt until I received an email from Figloans on XX/XX/XXXX saying that I needed to make a payment that day to prevent my account being reported as 30-days late with the credit bureau via a link to the debit card screen was I able to finally make the payment via debit card instead of my bank account and I made the payment right away in full. Soon after I made the payment, the account was reported 30-days late to the credit bureaus. I then reached out to figloans gia email as they do not have a phone number to talk to anyone letting them know that an error was reported on my credit report and it needed to be fixed ASAP. The answer I received was that they only report accurate information to the credit bureaus and theres nothing I can do to change that. I then email back with my pay schedule showing that my due date of XX/XX/XXXX payment was late, but it was not late 30-days, so they were reporting inaccurate information to the credit bureaus. I also forwarded the email I received that advised me to make payment that day to prevent negative information from being reported to the credit bureau. They have gone silent since then. Im trying to buy a house and this has significantly impacted me and my familys lives as Im now at a stand still until this issue is rectified. They are inaccurately reporting information to the credit bureaus and Im unable to get a hold of anyone for recourse as they only communicate via email.
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. (CA)

In XX/XX/2020 a company in which I am a XXXX XXXX XXXX, XXXX XXXX XXXX, borrowed funds under three separate mortgages from XXXX XXXX XXXX to purchase properties at XXXX, XXXX and XXXX XXXX XXXX XXXX in XXXX   XXXX, Colorado. Subsequently we were advised that you had taken over these mortgages. 

In XXXX I noticed that these loans appeared on my personal credit report, even though the loans are in the name of XXXX XXXX XXXX and title to the properties is in the name of XXXX XXXX XXXX. I called and spoke with a gentleman who said he would get it taken care of. Two of these loans appear on my XXXX  and XXXX  report, and three of them on my Transunion report. I have spoken to the company several times and sent a letter explaining the situation but the company is not fixing the problem.
Consumer complaint received 2018-12-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (PA)

Hello, I am a recent graduate who started the XXXX fellowship beginning XX/XX/2018. I was trying to defer my loans as most of my colleagues did as we don't get paid full salary. I called Navient several times to make sure I could qualify for deferral. The issue is that in their application form they require to have a XXXX XXXX degree to defer the loans. I graduated with XXXX degree, XXXX XXXX degree and my XXXX degree. XXXX XXXX was the one I was able to skip using my XXXX XXXX as a prerequisite and get my other degrees. When I called the first time, they told me there was no issues as my degrees considered to be higher than XXXX XXXX. I filled out the form through my fellowship program but was denied saying that my program begin date was more than 30 days in the future and I needed to resubmit my request within 30 days of the program start date. That didn't make sense as I was several weeks into the program. When I call back, I had another conversation with a different person who said that was a mistake in the system, but I still didn't qualify because my fellowship was different from other fellowships. If that would be a fellowship or residency in the hospital, that would be ok. I don't see what is the difference because we all make post-doc salary no matter where we work. They told me I should try income-based payments. I called the third person a little later. They were ignorant and told me that I wouldn't be able to get XXXX XXXX degree without my XXXX XXXX. I am completely lost. Everyone is providing different information. I eventually requested the income-based repayment and of course it was approved with much higher payment that I could comfortably afford. I just want to find out if there's a person who can tell me for sure who is right and what I am eligible for in that company. Thank you in advance for your help!
Consumer complaint received 2019-01-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (NJ)

Date : XX/XX/XXXX Consumer Financial Protection Bureau To whom it may concern : Re : Transworld Sysytems # XXXX I submitted a complaint to your office on XX/XX/XXXX regarding Transworld Systems Inc. because of an attempt to collect a debt from me that I did not owe ; the complaint with the Consumer Financial Protection Bureau is listed under # XXXX-XXXX. Subsequently, I received a letter from your organization with a copy of correspondence from Transworld Systems that stated the matter was being closed because Transworld determined that I was not the consumer who owed the debt and Transworld said that they would have no further contact with me. 
On XX/XX/XXXX, I received yet another letter from Transworld Systems attempting to collect a new debt from me in the amount of {$17.00} with a license plate number that I have no knowledge of is not connected to my driving history. 
I am obviously disputing this new debt and I plan to send Transworld a certified letter indicating that I dispute the validity of the debt. However, I do not understand why Transworld Systems continues to attempt to collect a debt from me knowing that I am not the consumer who owes the debt, and seemingly without doing any work to identify the person who actually owes the debt. 
I am a XXXX-year-old woman who drives a 9-year-old XXXX vehicle. If necessary, I will provide your agency with information regarding my drivers license and license plate so that you can compare that information to Transworld Systems records. However, these constant letters from Transworld seem to constitute harassment and I shutter to think about how many senior citizens and other un suspecting consumers they are harassing without cause. 
Please assist me with resolving this matter. 
Best, XXXX XXXX
Consumer complaint received 2020-05-21
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: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2022-08-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (CA)

I took out XXXX loan with Sallie Mae, back in XX/XX/XXXX for the XXXX XXXX XXXX XXXX  at XXXX. Fortunately, I paid off that loan, and received a letter from Sallie Mae that the loan has been paid off, on XX/XX/XXXX. However, I recently started receiving calls from Sallie Mae that I owed money to them. When XXXX initial started reaching out this year, I was struggling with my XXXX and was receiving XXXX health services from the XXXX XXXX. Now, that I'm back on my feet. I looked into the details with my account with Sallie Mae. That's when I noticed Sallie Mae added someone else 's loan for the XXXX XXXX XXXX XXXX at XXXX XXXX to my account. Additionally, I have never even attended that university. Sallie Mae added someone else loan to my account!
Consumer complaint received 2018-12-19
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Navient Solutions, LLC. (FL)

I was attending XXXX University took out a private loan that was not enough so I reapplied again was told to go to class then found out I had to leave class because the loan that they said I had I did not have which led me to another school at that time it was Sallie Mae so from then on it has been nothing but a horrible confusion they messed.up my credit report and I was only six.credits short from my XXXX degree I left XXXX University and had to start another School which held.me.back a few.years.in the mean time the harassment call and the correspondence was horrible and to top it off I am in default which went on for several years until one gentleman for Sallie Mae said they could.have put.me on a forbearance. At that point I went to the State Attorney where Sallie Mae I believe is now Nivient and he said to sue them. I feel that they have ruined my life my credit and prolonged my degree for no reason. Very unprofessional unethical and I would appreciate someone correcting.that huge error on their part and being accountable for their actions.
Consumer complaint received 2018-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (ID)

On XX/XX/2018, I ordered two items from  XXXX. I used my XXXX Visa card. Imagine my surprise when I received an unrequested XXXX Visa card in the mail today, issued through Chase Bank, in a name I haven't used for over 15 years, with a {$9500.00} credit limit. It is terrifying to think someone could have taken it out of my mailbox without my knowing it. I did not request a credit card, I did not fill out any forms or give any personal information to get a credit card, and I have no idea why they decided to issue me a card or how they got sufficient information to even determine I was eligible. I checked my credit reports and see a hard inquiry dated XX/XX/2018 on my XXXX report, which I also do not appreciate. I called and cancelled the card but I am very concerned about this practice and think XXXX should be taken to task for issuing me an unrequested credit card.
Consumer complaint received 2018-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (MI)

I have an account reporting on my credit as bad debt. I have never authorized this account nor have I given anyone else permission. I have no knowledge to how my personal information was obtained. But I do know that this debt is not mine due to the fact that I never had services with this provider.