davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (IL)

In XXXX, my property was assigned a new PIN ( property identification number ). On XX/XX/XXXX, I wrote a letter to my mortgage company, CMG Financial, about the PIN change, identifying the new PIN number, requesting confirmation. I did not hear back from them. In XX/XX/XXXX, I contacted CMG by phone to follow-up on the letter and spoke at length with a customer service representative ( I don't recall her name ) about the PIN change, and she reassured me the tax bill would be paid on the new PIN number. On XX/XX/XXXX, I wrote CMG again, this time about another issue with my escrow account and also confirmed the new PIN again but heard nothing regarding the PIN. On XX/XX/XXXX, I received my property tax bill, payable by XX/XX/XXXX, mailed it to CMG with a note to pay and a copy of the XX/XX/XXXX letter, requesting confirmation of payment but heard nothing from CMG. On XX/XX/XXXX, prompted by intuition, I contacted CMG by phone and spoke with XXXX in the XXXX Department. He could see no record of a PIN change or a property tax payment in the amount that was now delinquent. I have spoke with CMG again on XX/XX/XXXX, when XXXX said the issue should be resolved by XX/XX/XXXX, 6 weeks past the property tax payment due date. I called again on XXXX, left a message but received no response. In between XXXX and XXXX, I sent multiple emails to CMG with verification of the new PIN from XXXX XXXX Tax Assessor but received no response. I even involved my real estate agent who helped me with the PIN change, but CMG refused to talk to him, so he sent them an email without receiving a response. On XXXX, I called CMG and spoke with XXXX again, who said they have no evidence of a tax payment being due, despite the fact that I mailed and emailed them a copy of the tax bill and told them the amount and due date over the phone multiple times. As a result, I have incurred a {$73.00} delinquent payment penalty by the XXXX XXXX Treasurer 's Office, which CMG also refuses to pay, and was forced to pay {$4900.00} out of my personal bank account to cover the unpaid property tax bill that was due to be paid out of my funded escrow account with CMG. There have been multiple communication breakdowns with CMG due to their negligence in following through on payments and updates to my account since the loan was approved in XXXX. I believe this is a serious infraction of the contract I have with CMG, and I can no longer trust them to pay my property tax bills, yet they continue to collect funds for to allegedly pay this from my escrow account. I have asked to remove my escrow account, but they decline based on multiple requirements, including the XXXX ratio. CMG has been irresponsible with my property tax payments, and I request that they be held accountable and that I be reimbursed for the {$4900.00} from my escrow account in addition to the {$73.00} penalty fee for payment delinquency.
Consumer complaint received 2015-10-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alpine Credit, Inc (CO)

I contacted Alpine Credit Inc. located at XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX CO XXXX to request a paid in full letter after making my last payment to bring my account to a XXXX balance. A gentleman who identified his self as the owner of this collection agency by the name of XXXX ( who did not provide a last name ) informed me all I will receive from their office is a receipt showing I made the last payment and that will be it and proceeded to hang up in my face with a very unprofessional attitude. As a consumer that took the time to contact this collection agency to take care of her dept should not be treated so rude be a professional company that is licenses by the state of Colorado to perform such services. If collection agencies are permitted to conduct business in such unprofessional manners, people who have debt to this Alpine Collection Agency Inc. does not have a chance of being treated fairly. I believe every collection agency should be required to use recorded lines, just for reasons like this one and this company does not support recording their conversation with their debtors.
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

All XXXX credit agencies require I pay for credit report from them to get an id number so that I can dispute fraud address on my report. This report number will then enroll me automatically in their protection service plan. Victim of identity theft and credit card issued in my name.
Consumer complaint received 2023-01-24
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)

This company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months. 

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer. 

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX
Consumer complaint received 2015-06-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: First Associates Loan Servicing LLC (MS)

I went to XXXX XXXX XXXX GA XX/XX/XXXX I signed documentation to take out a private student loan from XXXX XXXX I was forced to withdraw from school in XX/XX/XXXX of the same year. without completing my XXXXr of school. In the ledger documentation the school says the received XXXX from the lender and XXXX was refunded, for some reason first associates aka XXXX says I owe them XXXX I called to inquire about this amount and they can give me no information since they took control of the matter XX/XX/XXXX ( interest rates disbursement amounts and dates ). so no idea were this extra money came from. and there is no way that it accumulated XXXX dollars in interest in 2 years unless there is unfair lending practices. XXXX XXXX should have sent every dime back considering that I had fed loans to cover the lil I went to school. It has destroyed my credit and I do not know what to do about it.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NY)

I have a business credit card with Barclays, a XXXX card. On XX/XX/XXXX I mailed in a payment by check for the full balance at the time, {$2600.00}, check # XXXX from XXXX XXXX XXXX. The face of the check had the last XXXX digits of my account number on it, and it was enclosed in a sheet of white paper with my full name and address and account number. 
That payment was never credited, and on XX/XX/XXXX my payment went past due. Around that time my card was locked and i called to see what happened. I was told they never received the payment. 

On XX/XX/XXXX the check was paid by my bank. When i discovered this I called on XX/XX/XXXX and spoke to a security person to confirm that Barclays had cashed the check. On the back of the check, was a stamp with the following : XXXX XXXXXXXX XXXX XXXXXXXX XXXX at XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Barclays XXXX I spoke to XXXX, who was a manager. She said she would open a missing payments case so the matter could be resolved. She told me it would take a XXXX  of days. 
On XX/XX/XXXX the card was still locked and i called on the status of the missing payments case and spoke to manager XXXX XXXX. I was told a missing payments case had never been opened. XXXX XXXX opened a missing payments case # XXXX. She transferred me to XXXX in customer service to help me. XXXX told me that the payment HAD been located. XXXX told me that she could apply a credit to my account that would unlock my card within about a day. 
On XX/XX/XXXX the card is still locked. I called and talked to XXXX XXXX who told me that the payment had NOT been located. XXXX told me the missing payments case would take XXXX days to to resolve. He also told me I would receive a letter in the mail with information from the investigation. I told him I was not at my home address, i was traveling, and could not receive mail until XX/XX/XXXX. He told me if i could not receive the letter the investigation would be closed. This is outrageous and unreasonable, as Barclays has my phone number, email address, and there is a " messages '' portal in my online Barclays account where they can communicate with me. 

Barclays lost my check for nearly a month, locked my account and charged me finance fees and late fees. Then they cashed my check. They have the money, as of XX/XX/XXXX. Yet they give me conflicting information, fail to start the required missing payments case in a timely manner, and refuse to unlock my card, despite the fact that I PAID my balance and they received it. Now they tell me that because i am not at my home address to receive a paper letter, that the investigation will likely be closed and I suppose the payment never credited.
Consumer complaint received 2023-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

N accordance with the Fair Credit Reporting Act the following accounts 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 an account without my written instructions. 

Creditor : XXXX XXXX Original creditor : 08 XXXX XXXXXXXX XXXX  XXXX XXXX A Date : XX/XX/2022 Balance : {$220.00} Creditor : XXXX XXXX XXXX I DATE : XX/XX/2022 Balance : {$610.00} Creditor : XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/2022 Balance : {$900.00} Creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX
Consumer complaint received 2023-01-24
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2016-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (VA)

Inaccurate information is reporting on my consumer report. I have attempted to dispute the erroneous information through Experian 's online porthole to no avail. The FCRA ensures that all Consumer Reporting Agencies report 100 % accurate information. Pursuant to 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) ( 1 ) ( A ) the Consumer Reporting Agencies are required by Federal Law to verify information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. Please consider this dispute a formal request under the FCRA, to provide a copy of the verifiable original creditor documentation to the following inaccurate accounts and/or information ; 1 ) US BKPT CT VA XXXX XXXX is NOT my account 2 ) US BKPT CT VA XXXX XXXX is NOT my account 3 ) US BKPT CT VA XXXX XXXX is NOT my account 4 ) US BKPT CT VA XXXX XXXX is NOT my account 5 ) XXXX XXXX XXXX NEVER KNOWN BY THIS NAME 6 ) XXXX XXXX XXXX NEVER KNOWN BY THIS NAME 7 ) XXXX XXXX XXXX NEVER KNOWN BY THIS NAME 8 ) XXXX XXXX XXXX XXXX, VA XXXX I never lived at this address 9 ) XXXX XXXX XXXX . XXXX XXXX XXXX, VA XXXX I never lived at this address 10 ) XXXX XXXX XXXX XXXX, VA XXXX I never lived at this address 11 ) XXXX XXXX XXXX XXXX, VA XXXX I never lived at this address 12 ) XXXX XXXX XXXX. XXXX, VA XXXX I never lived at this address Experian 's failure to positively verify these accounts have damaged my credit, life, liberty & pursuit for happiness.
Consumer complaint received 2023-02-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent a letter asking TransUnion to investigate my accounts. It has been over 30 days. These consumer reporting agency are in violation. 

Fair Reporting Credit act 15. 1681 States that the credit Act states that they are supposed to provide an explanation within 30 days They have violated this law.
Consumer complaint received 2024-08-28
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (MD)

I was alerted by my credit monitoring company that a hard inquiry was made by JP Morgan Chase. I immediately called their fraud department and they informed me that an application for a business credit card was applied for by someone other than me. They immediately canceled the application, which I appreciate. 

What they could not or would not tell me was the address that this fraudulent application originated from. They said they would investigate and send me the information via US Postal service. I am skeptical that they are going to send me the information at all.
Consumer complaint received 2023-01-24
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. (IN)

I sent a letter on XX/XX/2022 asking XXXX, TransUnion and XXXX to investigate an account that is reporting on my consumer credit report that is not mine. It has been over 30 days and these consumer reporting agencies are in violation. 

According to 15 USC 1681i : XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. They did not even record the current status of the disputed information which is another violation. 

So in general to sub-section F and extent as provided in sub-section G if the completeness or accuracy of any item of information contained in the consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute that agencies shall free of charge conduct at a reasonable reinvestigation to determine whether the disputed info is accurate and the record the current status of the disputed information or delete the item from the file in accordance with paragraph 5 before the end of the 30-days beginning on the date in which the agency receives the notice of dispute from consumer or reseller.
Consumer complaint received 2018-07-22
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: Navient Solutions, LLC. (CA)

I have 2 student loans with the U.S. Department of Education. I am currently doing the loan forgiveness program. The loan amounts total is XXXX. My loans have been transferred to many different companies causing duplicate information for the same loans on my credit report. Ive tried asking each company to remove the duplicates from my file without any luck. My credit is suffering considerably. The companies listed on my file are XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, US Department of ed/XXXX/all opened XX/XX/XXXX, US Department of ed/XXXX/XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, Dept of education/XXXX   opened XX/XX/XXXX, Dept of education/XXXX opened XX/XX/XXXX, XXXX XXXX XXXX/XXXX opened XX/XX/XXXX, XXXX/XXXX XXXX XXXX opened XX/XX/XXXX, XXXX/XXXX XXXX   XXXX XX/XX/XXXX. Every one of these loans are for the same loan causing clutter and damage to my credit report. I reported this to XXXX and XXXX but nothing has been done. Please help me remove these student loans from my report and update my current loans with the US Department Of Education.
Consumer complaint received 2023-02-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC (OH)

Received a call, XXXX at XXXX, debt collector stated they mailed a letter dated XXXX and stated that I received it and attempted to collect. I requested that copies of my file be sent to me, the collection process to be halted until I received said documents and the agent stated they did not have to do that and continued to try and collect. The agent also confirmed that they do not own the debt but are simply trying to collect and stated incorrect information regarding myself.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma (TX)

Credit services company Credit Karma deployed dark patterns to misrepresent that I was pre-approved for credit card offers. The company used claims that I was pre-approved and had 90 % odds to entice me to apply for offers that, in many instances, I ultimately did not qualify for. Credit Karmas false claims of pre-approval cost me time and subjected me to unnecessary credit checks.
Consumer complaint received 2016-08-24
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (MA)

Chase violated and continues to violate, with impunity, both Regulation Z and XXXX Banking code. 
Chase claimed on XXXX XXXX, 2016 that they received a dispute claim on XXXX XXXX, 2016 and a fraud claim on XXXX XXXX, 2016. It is worth noting the neither banking law or regulation Z make any distinction between the XXXX. 

On XXXX XXXX, XXXX Chase claimed that the cardholder called them about a fraud claim, this is false. Chase initiated dunning calls, another violation of banking laws and Regulation Z. If chase conceded they received a billing error notification, they are not allowed to try to collect the debt. 

On XXXX XXXX, 2016 again Chase falsely claimed that the cardholder called them, again Chase Chase initiated dunning calls, another violation of banking laws and Regulation Z. If chase conceded they received a billing error notification, they are not allowed to try to collect the debt. 

On XXXX XXXX, Chase alleged the letter of XXXX XXXX, 2016, received on XXXX XXXX, 2016 was insufficient, yet Chase made no attempt to speak to the cardholder to clarify any purported misunderstandings. Chase also claimed, correctly, that letter was set to the wrong address, however, this defense had not been raised before and the USPS did deliver the letter to Chase and Chase did sign for the letter on XXXX XXXX, XXXX.
Consumer complaint received 2023-01-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Go Capital Holdings, LLC (FL)

My parents who live in another state received a voicemail on XX/XX/XXXX stating that they were about to pursue legal action against me if I did not contact them right away. This would be their last attempt. I called them that day and the lady would not disclose the company she worked for right away until I gave her my case number. She asked me if I owned a vehicle in 2015. I said yes but I had not seen anything on my credit regarding the vehicle in 7 years. She proceeded to talk very fast about pursuing legal action and having to go to court if I did not pay that day. I have never been in this situation and was very scared she said I owed an amount that I was not familiar with or sure of if it was correct for a vehicle I only had for two months. It was constantly in shop for repairs. Was a complete lemon and surrendered it to dealership right away. 

She gave me the option to pay half of the debt and they wouldnt make me pay the rest or else I would have to make payments for the next two years. I didnt have anyone to discuss the matter with in the moment and I panicked and said I didnt have the money to pay a lump sum now so I will have to make payments. She made me sign a document and charged me {$50.00} that day. {$200.00} a few days later and then they just charged me {$250.00} on the XXXX of XXXX. I then explained the situation to my boyfriend who had been out of the country for some time and I called back the debt collector, XXXX XXXX XXXX XXXX XXXX ). The lady was extremely rude, aggressive and threatening to me and refused to let me speak to their supervisor. She said she will put this on my credit immediately if I dont pay her. I was just trying to get more information on the company because I could not find anything online about them. No one would give me the address of the company, the full name of the women I spoke to or the name of the supervisor. I also tried to collect their professional license number and no one knew and has not answered my calls. I will be calling the authorities and reporting this company as well.