davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

My credit score from Experian dropped from XXXX in XX/XX/2023 to XXXX in XX/XX/2023 due to identity theft. I submitted a police report in XXXX XXXX  to different credit bureaus, making it clear that the person named XXXX XXXX, who had a collection from XXXX by XXXX, used my SSN illegally and had nothing to do with me. 

In XX/XX/2023, Experian, however, added XXXX XXXX and another name XXXX to my credit report, making my credit score decreasing by XXXX points a month. When I reported the problem and the two names were cancelled thereby on XX/XX/2023, Experian refused to correct my credit score due to this identity theft, when a Chase banker confirmed that no other factor should influence my credit score in a negative way, because I paid rent, XXXX XXXX XXXXXXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX card in full and on time.
Consumer complaint received 2022-07-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

My name is XXXX XXXX and XXXX XXXX XXXX  are thieves. My card was charged XXXX XX/XX/2022 and this reversal of claims have been going back and forth for XXXX  months. They have provided XXXX proof as to why my card has been charged since XXXX. 

There were XXXX claim numbers provided to me. 
All denied because the 3rd party refuses to respond Ive had multiple investigations done with chase bank. All incomplete due to merchant. 
Ive spoken to merchant. Merchant claims to not understand XXXX. 
And the blame is being placed on my account which is unfair. 
Ive called bi-weekly to my banking institution to rectify. Making myself 100 % available. And still NOTHING is being done. 

Its old. Its tired. And I want my money. 
I did not receive services. 
I did not receive any goods. 
Ive gotten ABSOLUTELY NOTHING from these ppl. Yet I'm the one taking the hit. 
ABSOLUTELY UNFAIR ON THEIR PART.
Consumer complaint received 2020-11-03
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. (GA)

I pulled my credit report and noticed my low score. I took a look at the things that were hurting me and noticed inaccurate information. I called about the account stating that I had several missed payments and noticed each one are reporting something different on all 3. Can you remove this off my account immediately! I never had this account and dont know where it came from.
Consumer complaint received 2020-08-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (NY)

I currently have a student loan that I am in the processing with a total balance of {$120000.00}. Right now Sallie Mae wants about {$950.00} a month from me. On top of a federal loan that I am in the midst of paying along with car note, insurance, credit card bills and rent. It is humanly not possible for me. I have tried to call Sallie Mae and get a new monthly payment based on my income. I can realistically even do {$500.00} a month. I have called Sallie Mae multiple times and each time I call Im told something different I was told by one person that I would able to get a new payment and then when I went through the process of answering all their financial questions I was denied. When I called they gave me a hard time because I had a Co signer on the loan. However, if I had applied for the loan without a co signer I wouldve got denied so its a lose lose situation. My co signer is my elderly grandmother who is not helping me with my payments. I dont want to delay or push off my payments with Sallie Mae I simply want to lower my monthly payments. They aggressively call me and my grandmother about three times a day. At the start of corona I called and asked for a forbearance on my loan, the person I spoke to told me he would handle it and during the pandemic one of my loans were actively still open.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I sent the dispute through the credit agencies. XXXX changed it but the others have not. XXXX XXXX private student loan was charged off. Then they forgave the entire amount sent me a 1099M for XXXX and I claimed it on my Taxes in XXXX of XXXX. 

Its still currently showing up on my credit report as charged off in Equifax.
Consumer complaint received 2020-08-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rubin & Debski, P.A. (FL)

Per the Fair Debt Collections Act : " ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. '' I have been harassed and corned in my own house to accept responsibility for a debt that I do now owed.
Consumer complaint received 2020-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (PA)

I refinanced my mortgage earlier this year. A few months after the refinance, a company called The Money Source took over servicing of my mortgage. 

Soon after The Money Source took over servicing I started receiving letter claiming ( without proof ) that my house was uninsured for one day in XXXX. Because according to their records I was uninsured, they are charging me {$16.00} for coverage on that day. I have called The Money Source multiple times to try to resolve this issue, and have been told everything is okay, but nothing is done. I also had my insurance company call The Money Source to confirm there are no gaps on my coverage. They were told that the letter was probably an error. Nothing was done. 

Today I received a letter stating that I still owe the {$16.00} to The Money Source. I talked to their representative and nothing was resolved. 

I am hoping that the CFPB can be my advocate in this issue. Please let me know of any questions.
Consumer complaint received 2023-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: BANKMOBILE TECHNOLOGIES, INC (CA)

Since XX/XX/XXXX  I have sent my first inquiry to bankmobile that I can not login to my account due to not knowing my password. It is now XX/XX/XXXX   and i have not been able to recieve my funds from financial aid. They will not create a new account for me, send me a check or allow me to recieve my funds through my existing bank account or update my profile information that I have confirmed by phone with a customer service representative. Bankmobile said they are not able to update my information until i send them a completed CAVID form which consists of name and address change which is irrelevant to me and my problem. I still have the same name and address the form also wants me to send a identification document so i sent 2 print outs of my ID and the updated email and phone number and informed them of my new existing bank account i have access to. The form and documents were to be mailed out to a po box which i felt was weird. Bankmobile at XXXX XXXX XXXX called me at my updated phone number just to tell me they arent able to update my information till i send them a clear picture of my ID to be able to update my information which is suspended for too many failed password attempts.I will foward you the email from me and bankmobile. I am very unhappy and do not understand why they cant just email a new password set up link to my phone number or email that i can access, I took a student loan out this year because of my living situation and i am in very much need of this money that i shouldve got in XXXX i dont believe my college should partner with this third party bank for our financial service.
Consumer complaint received 2020-11-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (CA)

I filed a complaint on here a few weeks ago XXXX XXXX XXXX XXXX and also had the CFPB send a copy to the original creditor JP MORGAN CHASE BANK. Ive gotten a response from chase stating they they are not the appropriate company to address this issue. In the letter frome XXXX XXXX XXXX XXXX which was attached states the Chase is there CLIENT. Also XXXX XXXX XXXX XXXX use lawsuit as a fear tatic and is perceived as a threat. In a response ARS STATES they have no control over the account which is funny why are you contacting me saying your is client chase and chase states its not there problem. Both XXXX XXXX XXXX XXXX and JP MORGAN CHASE BANK responses conflict with one another and is a direct violation of my rights using fear tactics and not one company addressed the situation. Lastly XXXX XXXX XXXX XXXX said for me to contact them to discuss more info but how if you dont own the debt as stated.
Consumer complaint received 2020-08-19
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: ID Analytics, Inc. (MI)

On XX/XX/XXXX I received a letter from XXXX/XXXX XXXX  dated XXXX XXXX.The letter states '' thankyou for applying for a XXXX XXXX XXXX  on XX/XX/XXXX '' .I NEVER applied for a personal loan through XXXX or its affiliates.This is fraud.I did have a XXXX card with no balance and early XXXX during breakout of covid-19 pandemic, XXXX closed my account citing inactivity.I did call XXXX at XXXX on XX/XX/XXXX at XXXX and spoke with XXXX.She took some information and stated that it was a soft pull and I shouldnt worry and transferred me to Bank fraud Unit at XXXX call with XXXX ended at XXXX statement to XXXX is wrong about the personal loan i never applied for.When she transferred me to bank XXXX unit, the bank fraud unit was closed.Recently, In XX/XX/XXXX, someone used my personal info to commit fraud at a XXXX through XXXX  to purchase a cell phone.This was fraud.Why almost a year later im getting a letter from XXXX???? .Therefore, I never applied for a personal loan from XXXX/XXXX XXXXTHIS IS FRAUD
Consumer complaint received 2024-12-02
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: Harris & Harris, Ltd. (PA)

This company has illegally placed a fraudulent collection on my consumer report without following the law according to the FCRA. The FCRA says a collection must send a 5 day notice before a collection is placed on a consumer 's credit report. I intend to sue this company if this collection company if this is not deleted from my XXXX XXXX XXXX XXXX report immediately. I was denied for {$350000.00} home loan, my lawyer said this falls under financial damages. Deleted this immediately or I will have my lawyer take action right away.
Consumer complaint received 2019-06-21
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Real Time Group, Inc. (CA)

Dear Sir or Madam .... Back in XXXX I Take a HELOC from XXXX XXXX XXXX for {$110000.00} against my property.I was paying my regular monthly payments as agreed.In XXXX XXXX file a bankruptcy and they went out of business.My HELOC account transferred to XXXX XXXX XXXX.I keep continue to paying my payments on a first loan and HELOC till XX/XX/XXXX.At the beginning of months XX/XX/XXXX I was having financial hardship and I decide to do a loan modification as many Americans do, for First loan owned by XXXX and HELOC with XXXX XXXX   XXXX.I contacted the local mortgage company named XXXX XXXX In XXXX XXXX Ca.They 're were negotiating with first and HELOC.Finally we received loan modification package from XXXX.I agreed with terms and payments, signed and returned to XXXX..About My second mortgage with XXXX XXXX XXXX, loan officer from XXXX XXXX told Me that we waiting for Heloc Forgiveness letter from XXXX  XXXX XXXX.AT the time many homeowners receive letters from XXXX XXXX   XXXX.And i was waiting for mine. 
Since XX/XX/XXXX I don't receive any call or mortgage bill from XXXX XXXX XXXX.In XX/XX/XXXX I was checking my credit report to buy a car.Then i find out there is a company called Real Time Resolution reporting LATE on my credit report for almost 5 and half years.I contact them.They explained me, that I Owe them almost {$150.00} ( and rising {$1200.00} a month ) .for my HELOC.I find out that My heloc has been transferred from XXXX  XXXX XXXX , without notifying Me, to XXXX XXXX XXXX  XXXX  XXXX and they transferred to Real Time Resolution as a debt collector.I consider this as a unethical relationship between XXXX XXXX XXXX and its customers.Please help.
Consumer complaint received 2024-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (NC)

- THD/CBNA on XXXX/XXXX/2924 sent inquiry for personal loan that I dont recognize. 

- Original creditor information not available but I have a collection account that was opened on XX/XX/year> in the amount of {$580.00} that I do not know where it came from. The only other information I have is the account number : XXXX
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Please see attachments. Per FCRA regulations, please delete the fraudulent XXXX XXXX XXXX account from my credit report. My identity has been compromised and is being used to adversely affect my credit profile. EQUIFAX has been negligent in their efforts to address this matter. PLEASE COMPLY WITH FCRA REGULATIONS AND DELETE THIS ACCOUNT IMMEDIATELY!
Consumer complaint received 2019-06-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Yes, it involves the three bureaus. It is with fica also. There is a judgement on file against me. I was a holder among others of a credit card of a company that went out of business. The business owed the credit card money. They could not collect from the company because the company went broke. So the credit card company then sued all employees that held a company credit card. Not knowing i could be liable and the others also ignored the credit card company. they file suit against employees of which I was one an got a judgement against me and others for the company debt. Tgat judgement is on my report. If it is going to be there it should show the reason for the judgement which I am still contesting. 

Next, i am shopping for a mortgage. I am looking for a rate suitable for me. It may take one month. It may take six months. In the meantime hard pulls are being made and each time my credit score goes down and down. if you look at the payment portion of my credit it is 100 % on time, never late and paid the amount and sometime more each month. tis has dropped my score to low 600 's. It is uncalled for and I so disagree with fair issac as to how they record inquires and makes credit scores drop.
Consumer complaint received 2022-07-22
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: CL Holdings LLC (FL)

I never gave my lawful consent for anyone to furnish on my consumer credit report such as my name, my address, social security number, this is a violation of my rights due to perform or exercise because I was denied extension of credit for inaccurate and false pretenses of any person who knowingly and willfully obtains information on a consumer from a consumer credit reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

If you can not provide me with proof of my lawful consent of any transaction that took place between the creditor and the debtor that means it is willfully and knowingly that this information is INACCURATE and False and I DEMANDING that you DELETE all FRAUD thats reported on my consumer credit report or their will consequences and penalties for the violations. 

Best Regards, XXXX XXXX
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

We purchased XXXX washer and dryer from XXXX in XXXX for {$2800.00}. We paid Citi Costco Card which provides extended warranty. The machine broke in XX/XX/XXXX and upon calling appliance repair they diagnosed a shock absorber needs to be replaced. Total estimate for shock absorber was {$290.00} and we submitted a claim via Citi benefits for {$380.00} ( {$290.00} + {$85.00} service call ). After about a month the claim was approved and we call the appliance repair to replace the shock absorber which they did. Just a month before replacement of the shock absorber we started to see that every time we turn on the washer various electric circuits in our house start flickering. And when repairman came to replace shock absorber we asked to look into this as well ( to save on another service call ). He quickly diagnosed the issue with main electric board and said it is dangerous to use the machine. I asked for estimate and they send me {$730.00} to replace circuit boards. This is when I submitted another claim to Citibank. After reviewing the claim adjuster approved only {$330.00} out of {$730.00}. Upon my request they said that it is not a different issue but a part of the same repair and they can't pay more than {$710.00}, and attempts to speak to a manager were declined. In my opinion this is a violation of warranty terms.
Consumer complaint received 2024-12-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (IL)

My inheritance Was deposited into my account it was cleared and then shortly after the bank closed all the accounts and stated that they sent my funds back. It has now been almost over XXXX  days and I have not received anything. And this is BMO bank.
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I opened this XXXX account many years ago. I paid it off when I moved overseas. While living overseas `I was a victim of identity theft. I made several attempts to contact this company while overseas but to no avail. I even ended up paying most of the outstanding balance which was not my collection.
Consumer complaint received 2020-07-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WI)

My complaint is they refuse to send me my escrow, they keep saying they have the check ready, but still haven't sent anything, I also overpaid account & now their asking for a new payment {$500.00} on my online account, when my mortgage is only {$320.00}, & I overpaid last month of XXXX, I told them to apply the xtra to principal, but they didn't do that either, I will end loosing my home, because they taking their time sending my escrow refund for homeowners insurance, they keep saying you should get it in a couple days, deadline is XX/XX/XXXX, it's been 2 weeks now & is now lying about special paper must be done to send monry
Consumer complaint received 2020-08-11
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 inform you that you are in violation of Federal Statute and I am considering litigation. I have retained legal counsel. In an effort to resolve this matter amicably, I will make one written request.

I am formally requesting that you validate all trade line notations you have submitted to the three major credit reporting agencies by [ RecipientName ], for account number XXXX  XXXX XXXX Account number XXXX Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade line. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for civil complaints being filed in accordance with FACTA, FCRA, and other federal and state laws. 

Please remove account as soon as possible, because this account is fraud and never belong to me.