davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (MN)

XXXX  sent a bill for collection to Credit Management , LP that does not belong to me. The bill is for a modem that my ex-husband did not return promptly back to XXXX. While the modem was returned on XX/XX/2021, Credit Management reported my name to the three credit bureaus : XXXX, XXXX and XXXX. This is preventing me from being able to move forward on a mortgage. 
First I called XXXX. They told me if I went to a XXXX XXXX, I could get a copy of a paid receipt showing the amount due is {$0.00} since my ex-husband returned the modem. Before I could go to the store, I had to make an appointment on-line. I wasn't able to get an appointment until XXXX pm. When I arrived for my appointment, there were 4 people working in the store, no customers. The workers told me they were " binge-watching '' XXXX. They also told me there was no way they could print anything out for me to show the balance due was {$0.00}. 
I called XXXX back. After getting no where with the first person, I spoke with a supervisor. She promised I would have something in the mail showing balance due {$0.00}, by the end of the week. It's been 2 weeks, I haven't received anything in the mail. She also said they would call Credit Management , LP to remove the account. 
I called Credit Management , LP to let them know this was not my bill and I needed them to remove my account from the three credit bureaus. They told me they sent it back to XXXX and show it as closed. When I asked them to follow up with the credit bureaus, they said there's nothing they can do because they don't have the account any longer. 
I called XXXX back and was told they don't report to the credit bureaus so they can't recall the collection reporting. They said Credit Management , LP does that. 
I am at a total loss as to how to get this off my credit report. 
I went to the XXXX website to " dispute '' the claim but their website wasn't working properly so I couldn't upload a copy of the original bill that shows it was in my ex-husband 's name and address. I called XXXX XXXX Relations and was told it may take up to 30 days for them to fix. In the meantime, interest rates on mortgages are going up. 
XXXX  and/or Credit Managment , LP reported me to the credit bureaus for a bill that is not mine and they will not correct the error.
Consumer complaint received 2022-05-15
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX 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 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (DE)

On XX/XX/2021, I contacted XXXX  and Equifax to inform them the bankruptcy on my account is inaccurate. XXXX  has deleted the erroneous bankruptcy off my report but XXXX  and Equifax keeps telling me it is verified but fails to provide me the company, organization or persons responsible for verifying the information. I want this bankruptcy removed off my report immediately.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Karma (IL)

On XX/XX/2022 i contacted Credit Karma customer service via email through the means provided on the platform to close the account that was opened under false pretenses. I have also had some other issues with the service, including a false credit score issue that has wasted my time. The account is still open as of today XX/XX/2022, I called customer service and spoke to " XXXX '' but she could not help. Please help me resolve, and inform would be customers of their products and services of the communication issues as well as incorrect data provided.
Consumer complaint received 2021-07-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (NJ)

15 months ago I called my loan company ( LoanCare ) as I was experiencing financial hardship due to COVID-19. My account was current and in good standing. We agreed the best option for me and my family would be to put my loan in forbearance until my situation improved. XXXX assured me that since my account was current and in good standing it would be reported to all three credit bureau 's as such. I have been calling into XXXX on occasion ( at least five times ) to either check my status or extend the forbearance over the past 15 months and each time they told me that the account status showed current and in good standing and that that was what they were reporting. I recently purchased a car where I put $ XXXX down and my rate was XXXX XXXX. I am trying to take advantage of the VA 's recent decision to waive the VA 's rule of XXXX consecutive payments and refinance my house as my current loan is at XXXX  % and I have been offered XXXX XXXX which would be a significant cost savings and would offset the 15 months of forbearance. When the lender pulled my credit report they discovered that XXXX has been reporting me as 90 days delinquent each of the past 15 months while I have been in forbearance. This disqualifies me from refinancing. I called XXXX to validate what they have been reporting and they told me that they should have been reporting that my account is current and in good standing.. When I told them what they were reporting they informed me that I would have to submit this in writing and that they do not know how long it will take to resolve. I have submitted in writing per their process and they have failed to respond to my repeated inquiries as to how long it will take them to fix this and what the process is. Each day that this is not fixed the rates could go up and potentially impact me XXXX XXXX XXXX XXXX XXXX I recently tried to refinance my car to a lower rate and was denied due to this delinquent reporting by XXXX. I am wondering how many other vets they are XXXX over this way?
Consumer complaint received 2019-03-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Strategic Alliances, Inc. (PA)

Week of XX/XX/XXXX, a company who calls themselves " First Financial '' called my XXXX year old mother 's home looking for me. Mother 's phone # XXXX. The call came from # XXXX. They asked for me by a prior name, ( XXXX XXXX ). I haven't had the last name XXXX in over 9 years. They told my mother they were looking for me to collect a debt and they had a 'claim ' against me. My mother tried to find out more information but they refused to give her anything. My mother was highly upset which is not good for an elderly woman. I personally called XXXX to find out more about it. I spoke with a man calling himself XXXX who said he was from XXXX GA, company named First Financial. I asked what he wanted and he said he had a claim on XXXX XXXX. I told him my name was no longer XXXX XXXX. I asked him to stop calling or at least mail something to me and he refused. I asked him to stop calling my mother and he said until it's resolved he won't take the name XXXX XXXX off of his list and won't take my mother 's phone number out of his list either. I want this stopped. I had a bankruptcy in XXXX under the name of XXXX XXXX and I shouldn't owe anyone anything.
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (FL)

XXXX XXXX 2022 I purchased a netspend card and loaded XXXX $ on it so I could pay to take my class the next day. Well it gave me problems with activation and after missing. MY class I still had no access to the money. Called verification was done and still had no access to my mo ey and card was still on activated.
Consumer complaint received 2021-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (NV)

I joined XXXX XXXX XXXX XXXX  in XXXX. I was told it was for 2 years with a fee of XXXX $ to cancel, no more no less. So covid 19 comes around, and doctors say the gym isnt a good place to be. So on XX/XX/XXXX I reach and call customer service to cancel. I pay the XXXX $ and the remaining months balance and to the best of my knowledge it cancelled. So I get a collections notice on my XXXX  credit report from XXXX ( XXXX XXXX XXXX XXXX ) saying I owe them XXXX $ starting from charges from XX/XX/XXXX. But I had already cancelled in XXXX of XXXX. I call the XXXX  rep who confirms my email to cancel, but proceeds to tell me that my reason of job loss due to covid is NOT a valid reason to cancel my membership. Why do I need a reason this company sees as valid in order to cancel my membership? Isnt this a free country? And again I paid the XXXX $ Cancel fee and any other balances back in XXXX of XXXX, this was confirmed by the XXXX  rep I spoke to. But again, the XXXX  rep stated my reason is not valid. She then states the only reasons you cancel include things like death, disability or relocation. But not job loss due to covid. This is ridiculous and frivolous!
Consumer complaint received 2022-03-03
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. (WA)

Equifax Your listing that XXXX XXXX  account # XXXX is closed however your still listing a monthly payment of {$330.00} thats a violation please remove this account immediately. Also XXXX is reporting 36 Months term and your reporting Monthly ( due every month ) thats also a violation please remove this account immediately XXXX is reporting Account Type - Detail Auto Loan and your reporting account type as Installment thats a violation please remove this account immediately. Your also listing High Credit {$7600.00} with a balance of {$11000.00} witch is more then your listed high credit thats a violation please remove this account immediately, there are also missed payment inaccuracies thats a violation please remove this account immediately
Consumer complaint received 2021-07-09
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (DE)

Wells Fargo false accused me of owing a debt I did not owe! I HAD A SECURE card in 2016 the account was closed & Wells Fargo report wrong and inaccurate information on my credit report which lead me to pay a debt I did not owe!!! I have attached documents to prove I did not owe a debt when the account was closed!!! I demand Wells Fargo & the collection agency & credit bureau send me proof of the debt!
Consumer complaint received 2022-11-30
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: CBC Companies, Inc. (NY)

On XXXX, XXXX, I received INNOVIS letter dated XX/XX/2022 ( meter marked XX/XX/2022 ) under its Reference Number XXXX asking me to submit 200 word statement disputing the incorrect and inaccurate information furnished by XXXX XXXX XXXXXXXX XXXX ( XXXX  ). On XX/XX/2022, I mailed my statement together with the required documents to Innovis Consumer Assistance, XXXX XXXX XXXX, XXXX, GA XXXX. I also enclosed " Innovis Security Freeze Request '' ( page 7 with my name and XXXX included ). I also enclosed my Driver 's License, Electric Bill, and Social Security Card. 
On XX/XX/2022, I received INNOVIS letter dated XX/XX/2022 ( meter marked XX/XX/2022 ) under its Reference Number XXXX. It not only failed to include my statement but also failed to include my Security Freeze Request despite my submittal of all its required documents. It asked me to file a complaint with CFPB. Accordingly, I am uploading the documents I submitted to INNOVIS.
Consumer complaint received 2019-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OR)

Since I began paying on my student loans I've been on different versions of income-based repayment plans. All I wanted to know was to pay the lowest amount but ensure that the payments were eligible for Public Service Loan Forgiveness ( PSLF ). 

As I attempted to recertify for my repayment plan I was notified that I wouldn't be accepted into the Income-Based plan because my income was too high. I was told I could keep my current payment, just under {$200.00} per month or I could change to the standard repayment plan and pay about {$160.00} a month. Both plans are eligible for PSLF and i pointedly asked the MyXXXX Rep why should I continue paying the {$200.00} instead of switching, he said it didn't make sense to stay on the {$200.00} payment. 

My concern isn't with anyone I spoke with yesterday, but how long have I been eligible for lower payments without ever being notified? Could I have been putting the extra {$45.00} a month to go towards paying off my private student loans that aren't eligible for PSLF?
Consumer complaint received 2018-12-08
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: EQUIFAX, INC. (FL)

I HAVE SEVERAL HARD INQUIRIES ON MY CREDIT REPORT THAT DONT BELONG TO ME! SOMEONE IS TRYING LIKE CRAZY TO APPLY FOR STUFF IN MY NAME! 

XXXX : - XXXX/XXXX XX/XX/2018 Jewelers - XXXX XXXX XXXX XX/XX/2018 Bank Credit Cards -  XXXX  XX/XX/2018 Finance, personal EQUIAX : - XXXX XXXX XXXX XX/XX/2018 Bank Credit Cards - XXXX - XXXX XX/XX/2018 Miscellaneous Utilities - XXXX XXXX XX/XX/2018 Telephone Companies - XXXX   XX/XX/2018 Personal Loans Cos. 
- XXXX  XX/XX/2018 XXXX XXXX XXXX XXXX 

XXXX  : - XXXX XXXX XXXX  XX/XX/2018 Bank Credit Cards - XXXX  XX/XX/2018 Credit card and travel / entertainment companies - XXXX XX/XX/2018 Utilities and fuel - XXXX XX/XX/2018 Utilities and fuel - XXXX  XX/XX/2018 Utilities and fuel
Consumer complaint received 2018-12-08
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: FC HoldCo LLC (NC)

ON XX/XX/2018 I WENT INTO XXXX XXXX XXXX TO TRY TO PURCHASE AN CAR. I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CREDIT WAS RAN EIGHT TTIMES. I WAS APPROVED THROUGH CXXXX XXXX BUT THREE LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX XXXX XXXX DECIDED TO RUN MY CREDIT THREE MORE TIME WITHOUT MY CONSENT. THIS HAS DAMAGED MU CREDIT SCORE SOME MORE.
Consumer complaint received 2021-02-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (OH)

Issues 1 ) Lender XXXX XXXX  was not truthful about how payments would be structured. I was told I would have one loan approval for 4 years that I could take disbursements of and pay as I go. The fact was each disbursement was a new loan with a new payment making me have 3 different loans and 3 different payments which was unmanageable. Due to this, we did a refinance to pay off loans and go with a better student loan lender. 

2 ) Servicer First Mark lost one of the payoff checks for over {$8000.00} and refused to provide a direct contact to work with to find my money. They say their accounting department does not have phones? It took multiple calls and contacting the mortgage company to prove the check had been cashed to resolve the issue. 

3 ) I have an over {$1400.00} overpayment due to me that they can not tell me where it is. I have requested to know to whom, and where the payment was sent. Again, they will not provide a direct contact to address the issue of my missing money. After the 3rd call and third request for records and 3rd time I have been told my account has been " noted '' I was told they check was mailed to XXXX XXXX lending but still no address, or info if the check has been cashed as I have requested. Again I am not given a direct contact, they say they will call back and never do so I must recall the main number and get a new person each time. XXXX XXXX has not receivd the check and needs to know the address it was mailed to and first mark refused to provide this information. Mean while I am left with MY {$1400.00} just missing as this is my money and should have been mailed to me.
Consumer complaint received 2019-03-27
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. (CA)

Experian forwarded your company information in the complaint number XXXX that is not true or correct at all. Experian, you state that you opened a " reinvestigation '' in XX/XX/XXXXwhen I have continually asked for my bankruptcy information to be updated for nearly 2 years now from your company. I simply stated in my requests to you that if you were unable to update the information accurately then please delete it. I am in no way accepting your falsehoods as accuracy. I have contacted each company listed in my original complaint and verified that they have my account updated as discharged in chapter XXXX bankruptcy. THIS WAS DONE AFTER XX/XX/2017 AND BEFORE XX/XX/2017. In other words this was verified PRIOR to my contacting your company. I have sent every item of documentation you have requested. The only thing I have not done to date is sue your company. If you are stating on record these data furnishers are purposely supplying you with false information then I should have been promoted to take legal action against them. However in this case the data furnishers are assuring me that it is in fact EXPERIAN who is supplying false data. I no longer have any active accounts with any of these creditors. Updating my information accurately has nothing to do with signature slips as you noted in your CFPB response. It is simply updating information accurately which YOU ARE IN FACT OBLIGED TO DO by LAW, FCRA SPECIFICALLY. You are blatantly refusing to update my information and have caused me severe hardship by doing this. Therefore you have left no further choice but lawsuit. To date I have sent you discharge papers, bankruptcy schedules, creditor letters, and CFPB complaints. I will seek every damage and remedy afforded to me under the law and am more than confident I will prevail. I have every piece of documentation including your recent blatant regard for the federal laws that protect us both. Thank you
Consumer complaint received 2022-03-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (UT)

Our mortgage was sold by XXXXXXXX XXXX to Mr. Cooper XX/XX/2022. XXXXXXXX XXXX transferred escrow to Mr. Cooper XX/XX/2022 in the amount of {$540.00}. Mr. Cooper claims that XXXX XXXX  never transferred said funds of escrow and has refused to pay home owners insurance despite the records indicating the contrary. XXXX XXXX XXXX ( home owners insurance ) was paid out of pocket in the amount of {$1000.00} on XX/XX/2022 in order to avoid going into default of the contracted loan. XXXX XXXX XXXX has attempted several time to rectify this issue with Mr. Cooper ( having already been paid in full ) only to be denied at each attempt. Mr. Cooper has constantly been unreachable and unwilling to communicate by phone or email in order to rectify this situation. We have reached out multiple times to Mr. Cooper only to be disconnected from the call in every instance of contact. The only successful communication made between Mr. Cooper and the mortgagee was the initial call to set up payments in XX/XX/2022. In summary the payments towards the mortgage are current, homeowners insurance is paid in full and the mortgage company ( Mr. Cooper ) is refusing contact.
Consumer complaint received 2024-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (NY)

I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.
Consumer complaint received 2021-02-18
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)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE. AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2021-07-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.