davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-05
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)

There are two accounts reported by XXXX XXXX XXXX on my credit report ( s ). <P/>Totaling {$3000.00} and {$500.00} each. <P/>The original creditor reported to the credit files is XXXX XXXX XXXX. <P/>I do not have nor have I ever done business with a company named XXXX XXXX XXXX. <P/>When I contacted XXXX XXXX services they said the company was XXXX XXXX XXXX. <P/>When I attempted to contact XXXX XXXX XXXX I discovered they were no longer in business and the current staff does not have any contact info for them. <P/>XXXX XXXX is no longer in business and any claim asserted by them is null. <P/>I have no way to dispute any alleged charges of have a point of contact with XXXX XXXX to get to the bottom of the charges they claim. <P/>All XXXX was willing to do was tell me " That 's what they say you owe. '' This is not a legitimate debt and and it is libelous what they are doing to my credit files.
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have disputed an account with XXXX XXXX XXXX, XXXX. They failed to complete the investigation that was submitted online XX/XX/XXXX and via mail XX/XX/XXXX to XXXX. I received a letter dated XX/XX/XXXX from XXXX requesting that I provide them with documentation and it also stated that they would not contact me until they complete the investigation. I initiated the request to investigate and provided documentation to XXXX by mail on XX/XX/XXXX. XXXX obviously failed to share the documentation. I also provided them with documentation from XXXX XXXX ( the company they are collecting for ) that stated I am not responsible for the debt. The documents were not shared with the collecting agency, XXXX. The letter I received is an effort to extend the 30 day timeline. I was alerted today XX/XX/XXXX via XXXX XXXX that my investigation was complete because the information was verified. In my letter, I requested validation and verification of my debt. I did not get that. Also, XXXX is closed on XX/XX/XXXX so how was my investigation closed? Also, I believe I have fought this for over 7 years. I believe the statue has also run out. But they have not submitted verification of that either. Lastly, I do not believe XXXX XXXX XXXX is licensed to collect in my state. The company does not have my state on the webpage as a licensed state. I have disputed the same account with all 3 agencies and I have had the exact same result. Not proven to myself. Not verified to me.
Consumer complaint received 2018-04-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (CA)

Since XX/XX/XXXX, this phone number that I inherited from my deceased mother in XX/XX/XXXX has been the subject of various collection agencies always seeking someone named " XXXX XXXX '' whom my mother and I never knew, did not know, and believe is someone who used this number as an erroneous contact number. 

The other debt collectors called and when spoken with, gave up the chase although one did briefly freeze MY bank accounts as a means of forcing me to provide information, which I did not have. They gave up. 

However, since XX/XX/XXXX, Diversified Consultants out of XXXX XXXX, Florida, have called every weekday, sometimes more than once and when given the opportunity to leave a full name, detailed message, and a legitimate callback number, failed to do so. We monitor our calls so as to avoid excessive telemarketers, which even the Federal Do-Not-Call Registry fails to stop. Had they provided the requested information, I would have either picked up or called them back but they call and hang up or are blocked. 

When I filed complaints with the Federal Do-Not-Call Registry and the FCC, they changed their phone numbers up but still do not leave the requested information. 

After a couple of months, I began blocking their calls so they then used numerous other numbers. I researched the numbers online and discovered that they were Diversified Consultants, a company with a notorious reputation for debt collection. 

Numbers they previously used : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ; Numbers they now use : XXXX, XXXX, XXXX, I will not speak to these people as every opportunity they have had to be civil and leave the requested information so I could either speak with them or return their call and tell them my wife and I do not for whom they seek, they never leave the info and just call. 

My wife and I owe no past debts and the debts we do have, we are paying. I believe these people will not leave messages because they seek to get some victim on the line and then go into bully mode. I will not fall for this type of treatment. Please stop them.
Consumer complaint received 2018-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had a Capital One Credit Card that was open from XX/XX/XXXX-XX/XX/XXXX. I went through a financial hardship in XX/XX/XXXX and in XX/XX/XXXX. I was diagnosed with XXXX XXXX and had to miss work on these two separate dates for a hospitalization and was late on 2 payments in the amount of {$37.00} and {$40.00}. I since closed the account in good standing.
Consumer complaint received 2017-07-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NC)

This money was sent to purchase a truck which was thought to be through ebay motors. once the transfers were made the individuals involved gave a delivery date and we were waiting on the tracking number which never arrived. we have tried to contact these individuals with no reply. there was no problem with communication before. now thy do n't exist. this was our savings and fraud has been commited.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

my complaint is about blatant violations by XXXXt and Equifax, XXXX  and XXXX. I asked XXXX to validate a debt they have listed on my credit reports. The first letter I sent was in XXXX they sent a bill to me. I again asked them for proper validation and they ignored my request. Since then I have sent XXXX other letters and got no response. I can provide the letters upon request. I then disputed with the credit bureaus using the factual evidence from my reports. Needless to say I found several violations and inaccuracies so I disputed those as well even so they continue to report with no regards for the laws. I will attach pages from my report so you can record these violations. Each bureau has been reporting different information which can't be accurate. such as trying to re-age an account, also moving an account to another area on my report. Changing a collection from open to closed then back open. Equifax even went on to say they were no longer reporting this XXXX  account but it's still there. This account has been listed with consecutive Charge-Offs for 2 years straight as well as reported late and past due on this collection. See for yourself.They seem to think the laws don't matter. I can't be the only XXXX they're doing this to. I could really use your help in this matter.
Consumer complaint received 2018-04-16
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. (MI)

I have given documentation from XXXX XXXX  in which is who they are saying they got it from them but I have a freeze on the account due to the fraud as well as a police report and information from the courts as well as it doesnt belong to me
Consumer complaint received 2018-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (HI)

I have made efforts in getting rid of a collection account for the medical that does not belong to me. Its clearly showing on the report the last reporting date was in XX/XX/XXXX I reside in XXXX Hawaii XXXX since XX/XX/XXXXnever been to hospital of out hawaii I have notified them that I believe that I am a victim of identity theft and was ask this debt collector provide me information about the debt amount {$3100.00} The company has failed to adequately provide me with documentation that the account actually belongs to me. I would be happy to view any signed paperwork by myself and a copy of any adequate identification that was provided during the transaction. Of course this does not exist in the account should be removed Immediately as required by law and the rules at Set fort for ID theft victims
Consumer complaint received 2018-04-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

We are encountering a problem with Ocwen Loan Servicing that I believe is of sufficient severity and impact to require the enforcement actions of the Consumer Financial Protection Bureau ( CFPB ). These are problems that never should have started, should have been stopped a long time ago, and are still happening right now in spite of endless consent orders ordering them to stop this behavior. 

Ocwen does not answer its phone and it is not returning any messages while it is at the same time trying to sell our home on XX/XX/XXXX. 


9 calls now : 1. ) Tuesday XXXX XXXX XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 2. )  Wednesday XXXX XXXX  XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 3. ) Wednesday XXXX XXXX XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 4. ) Thursday XXXX XXXX  XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 5. ) Thursday XXXX XXXX  XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 6. ) Friday XXXX XXXX XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 7. ) Saturday XXXX XXXX XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 8. )  Saturday XXXX XXXX  XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 9. ) Saturday XXXX XXXX   XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE We really need help to put a stop to this. It is essential that people be able to communicate with a live person when the servicer is trying to illegally sell their homeespecially when it is illegal. We dont even know if these lawyers who are trying to sell peoples homes even have instructions or any authority to do what they are doing. We have to know what is going on in this situation. We have been continually fighting these problems with Ocwen, and the situation just keeps getting worse. They have been sued a number of times by the Consumer Financial Protection Bureau ( CFPB ) for problems like this, and they are legally required by court orders to handle these issues properlyand to not do what they are again doing right now. This problem is very serious and they are in clear violation of the law. They are ignoring numerous laws and consent orders. The CFPB must enforce these laws and orders. These illegal actions by Ocwen must be stopped immediately by any means necessary. The CFPB must take action to put a stop to this insane situation. No American citizennor anyone else for that mattershould have to go through this kind of experience in a civilized society.
Consumer complaint received 2018-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (OH)

I applied for the Chase Sapphire Preferred credit card on XX/XX/XXXX ( please see acceptance email ). The promotions for the card were for a bonus XXXX points if I spent {$4000.00} in the first 3 months and that the annual membership fee of {$95.00} was waived the first year ( please see Online Promotion page 2 and Pricing & Terms page 1 ). During the process of applying for the card I was never informed that I would not received this promotion. However, on XX/XX/XXXX I was charged the {$95.00} annual fee ( please see Billing Statement page 3 ). I contacted Chase soon after by telephone with my concern. I was told that this would be investigated and I would receive a letter in the mail with the results. 

On XX/XX/XXXX I received a letter from Chase that stated ( please see attached Chase Letter ) : " We have reviewed your account and have confirmed that the offer you applied for was XXXX points after you spend {$4000.00} on purchases in the first three months your account is open. This offer didn't include a {$95.00} annual fee waiver for the first year. The annual fee provides you with the many features and benefits associated with your card. We regret, we are unable to credit the fee. '' I feel that Chase either made a mistake with my account and I should be eligible for this promotion and would like the {$95.00} reimbursed. Or that Chase was deceptive in their advertising when it came to this product.
Consumer complaint received 2018-04-15
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA (CA)

XXXX XXXX XXXX hasn't removed 3 claimed late payments from my credit report. The dates XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX show up on my credit report as being 30 days late. However I have never made a late payment. Upon disputing the claim with XXXX XXXX XXXX they have failed to provide a response since XX/XX/XXXX. It is now mid XX/XX/XXXX and I have yet to receive a resolution to this dispute which is adversely and unfairly affecting my credit score. Not only have I been making on time payments but have also paid double the monthly balance to pay off the loan quicker.
Consumer complaint received 2017-07-03
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: SYNCHRONY FINANCIAL (WA)

While reviewing my credit history, I all of a sudden see that an XXXX credit card was opened by SYNCB. I have an XXXX XXXX account and have used for years, but never applied for the credit card. When checking out, I am always careful not to click the " apply for cc '' button. Called XXXX and they said it takes a lot more than just inadvertently clicking the wrong button ( e.g., you need to enter id and credit info to complete application ). I have never received a card in the mail. I have not account number. But my credit history shows a {$0.00} balance and that the card was opened fraudulently in XXXX XXXX 2016. There is also some hard credit inquiries effecting my score from this fraudulent activity. When I called XXXX, they say they know nothing about it and to call the bank. When I called the bank, they said they ca n't help me since I do n't know the account number. I never applied for this card. I was never physically sent the card. And I have no access to this account. It is impacting my credit score. Suspicious that SYNCB would open this without my consent just to boost their accounts/sales.
Consumer complaint received 2018-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

Navient keeps placing my loan on forbearance. 

I have not asked for forbearance. I keep telling them i do not want to forbear my loan ... yet every month its placed on forbearance. Therefore they do not send me a bill and I miss payments and incur additional interest. I have called and sent them multiple messages. Additionally i just got my monthly statement to go online and pay.. and when i log in it says XXXX amount due! SO i fear my loan is foreboder again and if i make a payment it will not be allocated correctly!
Consumer complaint received 2024-10-10
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (MD)

I am writing to formally dispute the National Credit Systems has reported to the credit bureaus regarding my account with XXXX XXXX XXXX  XXXX. I believe this debt contains inaccurate information and may not be valid under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). 

Specifically, the apartment complex in question has double-charged me for a fee, resulting in an inflated balance. I have attached documentation supporting this claim, including receipts and correspondence. The balance saying I owe from the credit company is not correct. I reached out to the apartment complex to let them know the amount owed is incorrect. They refuse to work with me or review the incorrect charges.
Consumer complaint received 2024-10-10
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. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-07-05
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. (TX)

I have disputed an account with XXXX XXXX XXXX XXXX. They failed to complete the investigation that was submitted online XX/XX/XXXX ( 2017 ) and via mail XX/XX/XXXX ( 2017 ) to Transunion. I received a letter dated XX/XX/XXXX from XXXX requesting that I provide them with documentation and it also stated that they would not contact me until they complete the investigation. I initiated the request to investigate and provided documentation to Transunion by mail on XX/XX/XXXX ( 2017 ). Transunion obviously failed to share the documentation. I also provided them with documentation from XXXX XXXX ( the company they are collecting for ) that stated I am not responsible for the debt. The documents were not shared with the collecting agency, XXXX. The letter I received is an effort to extend the 30 day timeline. I was alerted today X/X/2017 via XXXX XXXX that my investigation was complete because the information was verified. In my letter, I requested validation and verification of my debt. I did not get that. Also, Transunion is closed on X/X/2017 so how was my investigation closed? Also, I believe I have fought this for over 7 years. I believe the statue has also run out. But they have not submitted verification of that either. Lastly, I do not believe XXXX XXXX XXXX is licensed to collect in my state. The company does not have my state on the webpage as a licensed state. I have disputed the same account with all 3 agencies and I have had the exact same result. Not proven to myself. Not verified to me.
Consumer complaint received 2018-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (PA)

I requested deferment from XXXX, my loan servicer, through my graduate school, the XXXX XXXX XXXX at XXXX XXXX. I knew I was graduating in XX/XX/XXXX, and requested multiple times to be placed off of deferment ( there are records of this ), in XXXX and XXXX ( XXXX I believe based on attached form ). I called and spoke to representatives asking what I was to do to avoid capitalization of my loans and the best thing to do with my interest since XX/XX/XXXX ( I ended up just paying the outstanding portion of my interest in case ). The problem then became that, I was stuck in deferment from the months of XX/XX/XXXX toXX/XX/XXXX which was AFTER I graduated. I then requested again out of deferment, and signed a deferment waiver form, in XX/XX/XXXX, to be placed out of deferment. Oddly enough, the XXXX XXXX XXXX finally fixed my enrollment status and reported it to XXXX. Little did I know I was charged {$180.00} in capitalized interest, with NO notice whatsoever, based on the interest that should have been accruing during those two to three months. They stated this was a " forbearance '' and there was nothing they could do about it. 

My point is A ) My school and the loan company knew full well this would happen, and told me nothing about it in writing or online communication and B ) I received no notice about the late money. C ) Finally I was unaware, and STILL am, of how I could have, or done anything to prevent that {$180.00} from capitalizing, and ending my deferment any sooner. In other words, because of another person 's mistake, I am charged {$180.00} ( this is obviously not about being " fair, '' it's about allocation of interest and where it should go. ). I have never been in default and always pay my loans on time. In fact I've paid down my first loan already. So paying extra interest which was was unknown to me is startling and an unfair business practice. 

Please see attached forms, as I was in repayment not only in XXXX, but also in XXXX, as seen in the form.
Consumer complaint received 2018-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Creditor XXXX XXXX XXXX mistakingly reported me as having late payments. I spoke with the creditor and they corrected the issue on their end and submitted the proper information to the credit bureaus. Other credit bureaus have corrected that mistake but EXPERIAN did not for more than 30 days. 

None of my accounts are delinquent but they are showing them that they are.