davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX, I am contacting you regarding accounts on my XXXX, TRANSUNION and XXXX credit report. 

I have already contacted THEM but they have done nothing to resolve the issue. There are 6 student loans accounts that not belong to me. 

I would like them removed because they are fraud and do not belong to me. 
Please make THEM delete these fraudulent accounts ; this inaccurate information has directly affected my chances of getting approved for any type of loan or job or ability to get a license which requires a good credit rating.
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WA)

I recently had some negative information reported on my XXXX, Equifax and XXXX reports. XXXX XXXX # XXXX This info is inaccurate and I need to see who furnished this information because it has to be from some third party. It is not right please delete this and the inaccurate bankruptcy. 

XXXX XXXX File Number : XXXX XXXX Report Number XXXX Equifax SS XXXX I am no longer associated with these addresses they need to be deleted I am a military wife and I have have issue with my personal information being compromised please deleted/remove the addresses and phones. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX These number do not belong to me!! 
( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have attached proof of my address in this complaint.
Consumer complaint received 2018-05-22
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: Bread Financial Holdings, Inc. (GA)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the months of XX/XX/XXXX through XX/XX/XXXX. I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
Consumer complaint received 2018-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (AL)

I checked my credit report and a collection company is listed as belonging to me. I have not received a dunning letter by certified by from this company. They are in violation according to the ftc because I have never signed a contract with this company and they are trying to falsely collect on a debt.. I have attached a debt validation letter and this company needs to respond to it.
Consumer complaint received 2018-05-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (TX)

While checking credit report I noticed several indications on my report from XXXX XXXX. I have been a victim of identity theft and fraud in the past. Individuals have used my information to apply for payday loans, utilities, etc. Police report has been filed and fraud alerts placed on credit report.
Consumer complaint received 2018-05-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have a loan with XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with these companies. XXXX and Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2018-05-22
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. (MN)

I am a victim of identity. The following credit inquiries are all fraudulent, unauthorized and dont belong to me : XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXXXXXX XXXX, XX/XX/XXXX.This is my fifth time requesting for the fraudulent credit inquiries to be deleted and removed from my credit report. I want all of these fraudulent credit inquiries to be immediately deleted and removed from my XXXX, XXXX and Trans Union credit report.
Consumer complaint received 2018-05-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (CA)

XXXX XXXX XXXX XXXX XXXX is suing me in civil court for a loan that I have never been notified as past due, and shows current on my credit report. The Court case number is : XXXX I have never been notified of attempt to collect or that this account was past due, and the account shows current with a XXXX balance on my credit reports. My credit report also shows the last date of payment was XX/XX/XXXX and shows as current/never late through XX/XX/XXXX - XX/XX/XXXX.
Consumer complaint received 2018-05-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (AL)

I reached out to CBNA several times to inform them that I was not receiving the statements to pay on my account and was unaware the account was past due. I have contacted their disputes department and their managers on several occasions only for them to inform me that there was nothing they could do on their end to assist with this situation. 

The reporting of the lates is reflected on my credit reports from XX/XX/XXXX- XX/XX/XXXX they only offered to wave a {$25.00} late fee ; however, I disagreed because it is not my fault that the statements were not being received.
Consumer complaint received 2018-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I contacted Bank of America to advise them that I was overcharged for internet/phone service by XXXX on XX/XX/XXXX for {$65.00} and XX/XX/XXXX for {$65.00}. The internet/phone service was cancelled with XXXX  on XX/XX/XXXX but the merchant continued to charge the credit-card account. Bank of America failed to investigate the complaint and did not address the dispute within the required 90-day time period requirement as mandated by the Fair Credit Billing Act. Instead, on XX/XX/XXXX, Bank of America sent a letter indicating that they could not help me because " the merchant have the right to receive payment for any services that were rendered, '' -- which obviously shows that Bank of America did not investigate this matter because the entire dispute hinges on the fact that services were cancelled with the merchant, not about the quality of the product/service. 

Please review and advise. Thank you.
Consumer complaint received 2024-09-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CashRepublic Holdings, Inc. (VA)

I reached out to them because I was made aware that under XXXX XXXX who have XXXX  as a home of record has a provision that even if you incurred the debt after military service while or as long as you are serving on XXXX XXXX you are entitled to a reduced rate of XXXX XXXX I reached out to XXXX due to this and requested a reduction informing them other lenders have followed suit and realized I was entitled I would like to exercise my right. They went on to say oh XXXX  is only for those incurred prior to XXXX service and only on obligated installment contracts. I responded to them that no that is not the case for how XXXX law is written for XXXX  and active military that it was revised and XXXX entitled to reduced rate and they are refusing to honor it.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

On XXXX XXXX, 2024, there was an unknown check put in my Chase checking account to withdraw {$100.00} from my account. However, this check was not authorized by me, and it was directed to someone I never knew about. I have contacted Chase service by phone on XX/XX/XXXX and they promised getting back to me in 5 business days, but I have heard nothing until today. The wrong transaction has been attached.
Consumer complaint received 2018-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (MD)

I received a collection account on my credit report from XXXX XXXX XXXX XXXX in the amount of {$2900.00}. This debt does not belong to me. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX has not provided proof of the debt. 

I ask that XXXX XXXX XXXX XXXX validate ownership of the debt account and remove the collection account for my credit report.
Consumer complaint received 2023-05-28
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: Experian Information Solutions Inc. (TN)

was at the XXXX looking to buy a new card when i was made notice of XXXX accounts i never applied for on my credit report
Consumer complaint received 2018-05-23
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SOUTHEAST MORTGAGE OF GA INC (GA)

I applied for a FHA Mortgage through Southeast Mortgage of Georgia. The night before our closing date, they informed me that I was denied of the financing, due to insufficient income. I changed jobs almost 3 weeks before my close date, but they didn't say this was an issue until the night before closing. They asked if my wife could be added to the loan, and we told them it was a possibility but not something we wished to do, or we would have done so from the beginning of the application process. They asked for some financial documents ( pay stubs, bank statements, a picture ID, property tax information and a mortgage statement for our current home ), which we provided, but never mentioned pulling her credit. After providing the documents listed above, we were informed on the XX/XX/XXXX that we still would not qualify, due to our Debt To Income Ratio. They then pulled her credit at all three Credit Bureaus, XX/XX/XXXX and XX/XX/XXXX, without our verbal or written consent. 

My wife is subscribed to a credit monitoring service and this is how she was notified of the inquiry. No one from Southeast Mortgage ever told us they were pulling her credit, nor was this necessary due to us being unqualified. This is a serious violation and we don't want this to happen to other borrowers in the future. We appreciate you looking into this matter.
Consumer complaint received 2018-05-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Dear CFPB- I have been informed by HUD/FHA directly that I am eligible for a Unemployment Special Forebearance due to Hurricane Harvey and living in a Presidentially Declared Mandated Disaster Area. 

The agent, XXXX XXXX XXXX Escalation 's Team from HUD has reached out on two occasions to CMS on or about XX/XX/XXXX and XX/XX/XXXX to no avail. As of this letter and speaking with her just yesterday ( XX/XX/XXXX ) C.M.S. has not responded via any type of communication to HUD 's query. 

My RMA application was marked complete by CMS on XX/XX/XXXX and summarily rejected on or about XX/XX/XXXX albeit CMS should be fully aware that per FHA/HUD guidelines I am eligible for this Special Forebearance for a multitude of reasons under HUD 's XXXX XXXX and afforded even additional help per HUD Press Release below : PressRelese Releasehttps : //www.hud.gov/XXXX Also, at this point per FHA/HUD guidelines I am supposed to have a Single Point of Contact to be speaking with to discuss remedies and all available options to save my home .... '' This has not occurred ''. 

I have also filed an appeal with CMS which I am entitled to and heard nothing back on that as of yet. 

But what is most disturbing is they will not respond to FHA/HUD 's query after two ( 2 ) request with CMS knowing knowing full well that time is of the essence and each day counts, literally at this stage. 

Very truly yours, XXXX XXXX Loan No XXXX
Consumer complaint received 2024-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (FL)

On XX/XX/year>, I was pre-approved, then applied for a XXXX  Secured Credit Card based on the advertisement on XXXX 's website and the secured card application link they provided. 
The advertisement stated. Discover XXXX XXXX XXXX XXXX Raise your XXXX XXXX by XXXX points. XXXX tabs ( XXXX ) Easy Application and ( XXXX ) Check if you are Pre-Approved : o No XXXX XXXX required to apply o Refundable security deposit required o No annual fee I was of the impression that my application would not affect my credit because they stated that a XXXX XXXX would not be required. 
In the morning of XX/XX/year> I provided my bank account details for the {$200.00} security deposit Discover requested. 
In the morning of XX/XX/year> also, I discovered that I lost XXXX points ( XXXX ) because of the application for this secured credit card. I was very surprised and contacted Discover via their online chat agent who advised that, I see you applied using our Pre Approval Link. When you complete the information, we do a scan of you credit report. Once you accept and offer we pull a copy of your credit report for the final decision. 
I informed the online chat agent that it was not made clear to me and I do not remember giving approval for my credit report to be pulled for the final decision concerning the secured credit card. This to me is a deceptive practice, even if they have it in the fine print it was not made clear that the credit report would be pulled and would affect my XXXX XXXX. The advertisement suggests otherwise. 

I had applied, obtained, and funded other secured credit cards and none of the other who had similar advertisements to Discover pulled my credit that resulted in any negative effects on my XXXX XXXX. If this was made clear to me I would not have chosen XXXX. 

Please see their advertisement link and picture below. 

Thank you. 

https XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-23
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. (CA)

XX/XX/2018 WENT TO XXXX XXXX IN XXXX XXXX, CA WITH PRE-APPROVAL, PRE-FUNDED LOAN FROM MY CREDIT UNION. THEY STILL SAID THAT EVEN THOUGH I HAVE THIS, THEY STILL NEED TO RUN MY CREDIT. I SAID NO, THEY DID IT ANYWAY. THE PERSON COMES BACK, AND SAYS '' WE CAN GET YOU A LITTLE HIGHER RATE WITH A BETTER COMPANY '' WITH A HUGE SHEET OF PAPER OF PLACES HE WAS RUNNING MY CREDIT THROUGH. I WAS FURIOUS!!!!! I DEMANDED TO SPEAK TO SOMEONE IN CHARGE. THE MANAGER SAYS WELL ITS LATER IN THE EVENING AND WE CANT VERIFY YOUR LETTER SO WE MUST TY AND OBTAIN FINANCING FOR YOU '' ... ... .i SHOWED HIM ON THE VEHICLE CONTRACT THAT IT GIVES ME 5 DAYS EVEN IF I WASN'T PRE-APPROVED TO PROVIDE MY OWN FINANCING!!! I HAVE RECEIVED ABOUT 7 LETTERS FROM BANKS AND CREDIT UNIONS IN THE MAIL AND AM BEING DENIED FOR EVERYTHING. MY SCORE HAS DROPPED OVER 100 POINTS IN 1 MONTH. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, THEY KEEP COMING IN!!!! EQUIFAX, XXXX, XXXX SENT ME A DENIAL LETTER ALSO. PLEASE HELP ME ...
Consumer complaint received 2018-05-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I got served a Summons from the Attorneys of XXXX XXXX XXXX about a debt that I owed to XXXX XXXX XXXX. 
I sent them a debt verification letter in return and received a reply. 
In Utah, you have to be registered and licensed as a debt collector in order to try and collect on a debt. When I called the office of XXXX XXXX XXXX, I asked the gentleman I spoke to if I could have their professional license number so I could verify if they were licensed to be a debt collector. He claimed to not know where he could find this information, and I would have to do so on my own. 
I called the Utah Division of Commerce, Consumer Protection and found out that while XXXX XXXX XXXX is a legal law office, they are in no way registered or licensed to be debt collectors, so have no legal right to try and collect on my owed debt.
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (MA)

Someone residing in New Jersey used my name in XXXX of 2024 to purchase something and has a {$1200.00} debt to XXXX mobility. I do NOT now nor have I EVER resided in New Jersey. I live in Massachusetts and have since I was XXXX. I also do not have need for a product from a mobility company my extremities work just fine. I also DO NOT use XXXX XXXX I am a XXXX customer and have been for XXXX. I disputed the debt via XXXX who contacted the company with the collection and the company says its valid that I made the purchase. If you at all bother to look up my public records information I have no ties outside Massachusetts.
Consumer complaint received 2018-05-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (DC)

Hello, I'm currently an account holder with XXXX XXXX Carecredit. I was provided interest free terms for a medical procedure that involved monthly payments of about {$420.00}. 

The interest free period was for 12 months. However, the automatic monthly payments were set up -- surprise, surprise -- for a 13-month period. Sticking with their original monthly payment scheme would have resulted in one outstanding payment falling outside of the interest free period. 

So that would mean I would pay interest on the remaining balance of {$420.00}, yes? Apparently not. I was told by an operator last week that not paying the entire balance within the 12 months would have activated the interest being withheld on the entire balance -- not the outstanding balance. That interest amounts to about {$900.00}. Even if I had an outstanding balance of {$1.00} by the end of the interest free period, the balance owed would suddenly become {$900.00}. 

This is so predatory, so sneaky, and so manipulative that I can not believe it's legal. The end of an interest free period should only generate interest on the balance that remains -- not the original amount. And the 13-month payment scheme in conjunction with a 12-month interest free period is so criminally deceptive and predatory I can not believe it. 

Please investigate this practice and outlaw it forever. 

Regards, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (OH)

I signed up for a " XXXX XXXX '' card about 3 or 4 years ago. To save during the holiday season. The next month. the bill came. I paid it off in full. The next month I got another bill for like {$1.00}. I paid that then cut up my card. Never to hear from them again until 3 or 4 yrs later.  Which is now. They continue to harass me by sending me bills. I call them and waste a couple hours of my time fixing the issue by talking to many supervisors. I called Chase and XXXX and was told this matter is fixed. That account is closed. I can not so much as be sent a bill by mistake, and yet it still continues to happen. The last person I called said that it wasn't a bill at all. It was like a letter of my history. It was a bill with " minimum payment amount '' on it. He didn't know what to say about that. I have called Chase several times. Im told I OWE NOTHING and that the matter is FIXED. I have spent hours of my time on the phone speaking to one supervisor after another. Im told its FIXED each time. Then the next month comes with yet another bill. With a different amount. This is harassing and I WANT IT TO STOP. I have told them as much, and yet it continues.
Consumer complaint received 2018-05-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MA)

I have been struggling to make my payments and Navient made it difficult to access certain programs to restructure my repayment. For over 5 years Navient 's customer service has steered me toward multiple forbearances instead of income-driven repayment plans. I was put in forbearance plan and paid over {$500.00} dollars every month, giving Navient over 30.000.00 for free over that 5 years spent, while interests piles up. I was left with over 80.000.00 in debt. Now I am forced to pay {$1000.00} each month. 

It's not right for Navient to mess up my life like so, I am tired of Navient fraudulent practices and would to be placed in the class action lawsuits against Navient.