davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC (ME)

On XX/XX/XXXX I paid {$190.00} in escrow shortage to keep my monthly payment unchanged. It was applied to my principle instead, which I discovered on XX/XX/XXXX when the lender demanded I pay more each month to cover the shortage. On XX/XX/XXXX, I spoke to a Sr. Resolution Specialist who promised to fix the error in 5-7 business days. On XX/XX/XXXX, I got a call from the lender 's collection department. A check of my account showed that I was nearly {$3000.00} in arrears! I have never been late with a payment in the almost 3 years I have had the mortgage. I could also see that I was being charged {$37.00} for advances and fees. Since then, I have spoken or chatted online with 7 other people, all of whom are polite and apologetic and promise that 1 ) my account is being worked on, 2 ) I am not in arrears, 3 ) the {$37.00} is being removed, and 4 ) my credit will not be affected by this. On XX/XX/XXXX, the lender reported me to the credit agencies and my score has been reduced from XXXX ( excellent ) to XXXX ( fair ). This week, I have received 2 notices, one offering a " payment reduction '' so I can get " caught up '' and the other threatening foreclosure. I can not get the lender to fix my account. They promise everything and deliver nothing. Please help me!
Consumer complaint received 2018-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

XXXX XXXX information in my credit is not accurate, the balance of {$1000.00} is not mine. I never had this account. needs to be remove from my credit report asap and also XXXX XXXX is not my account .they showing a balance in my account of {$1500.00} please needs to be removed from my credit report
Consumer complaint received 2018-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (MA)

In XX/XX/XXXX, I was notified that a collection account under the name of Diversified Consultants was placed on my credit report. I contacted the company and confirmed that the collection was for a XXXX account opened under my SSN in XXXX that went delinquent in XXXX. My biological father has, in the past, used my SSN to open fraudulent accounts and was XXXX  by the state of NC a few years ago, XXXX XXXX XXXX  XXXX  for his crimes. I was advised by my credit monitoring agency to dispute the claim with both XXXX - the CRA that the collection appeared on - and with XXXX directly. TransUnion concluded their investigation and removed the account from my report. I was further advised to file a police report and an Identity Theft Report with the FTC, which I did. Unfortunately, XXXX refused to do so stating that my fraud claim was denied due to - " Information on the account ties to a relative in a public records search or the documents you provided. '' This seems unacceptable that I would be denied a fraud claim simply because the individual who committed the fraud is a relative of mine, with whom I have had no relationship with in well over two decades.
Consumer complaint received 2018-07-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

In 2016, Navient incorrectly withdrew the monthly payment for my loan twice in a month after I had been enrolled in their automatic deductions for 6 years. I challenged the duplicate payment with my bank and confirmed that Navient had permission to continue making the normal monthly withdrawals. Navient then disabled autopay for my account and has since refused to reinstate it for that bank account, demanding that my bank send a written letter with my account information to them ( which would be a violation of my bank 's privacy policy ). I then attempted to send written checks to the address listed on the website ; it appears to be the wrong address, as each of the checks I sent was returned to me as a refund from the US Treasury. Navient 's customer support has been unable or unwilling to give me the correct information to make payments, but calls me daily asking for payments even after I have repeatedly asked them to give me an alternate address for mailing checks or to restart autopay.
Consumer complaint received 2018-07-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (TX)

I HAVE APPLIED FOR HARDSHIP ASSISTANCE WITH MY SERVICER THE MONEY SOURCE, I HAVE PROVIDED ALL DOCUMENTATION AND ON XX/XX/18 THEY HAVE INFORMED ME THAT MY REQUEST WAS CLOSED OUT DUE TO THE XXXX NOT HAVING MY PHONE NUMBER ON IT. I CONTACTED THE IRS TO ENSURE THEY NEED A PHONE NUMBER ON THE XXXX AND THEY SAID NO, THAT IS OPTIONAL. THIS MEANS THAT THE MONEY SOURCE IS TAKING UPON THEMSELVES TO GENERATE GUIDELINES THAT HAVE NOTHING TO DO WITH FEDERAL GUIDELINES. I HAVE A SALE DATE ON XX/XX/18 WHICH THEY SHOULD HAVE POSTPONED DUE TO BEING COMPLIANT WITH ALL DOCUMENTATION, THEY ARE STATING THAT THEY WILL NOT REOPEN MY REQUEST DUE TO I THE PHONE NUMBER WAS NOT ON THE XXXX. THE REPRESENTATIVE I SPOKE TO XXXX EVEN WENT AS FAR AS STATING THAT THE MONEY SOURCE WAS NOT GOING TO TAKE THE XXXX BECAUSE I TYPE MY NAME, ADDRESS AND SOCIAL SECURITY INSTEAD OF HANDWRITING IT IN.. THIS IS OUTRAGEOUS THAT I AM GETTING CLOSE TO LOSE MY HOME DUE TO THE MONEY SOURCE HAS NO TRAINING ON FEDERAL LAWS!! I REQUESTED FOR A SUPERVISOR AND WAS TRANSFERRED TO XXXX XXXX ID XXXX AND HE STATED THAT HE WILL NOT DO ANYTHING AS HE DOES NOT KNOW ANYTHING.. HOW DOES THIS HAPPEN?? ALL HE KEEPS SAYING IS TO SEND A XXXX EVEN THOUGH IT IS THERE AND WAS CONFIRMED. I WILL NOT BE A VICTIM TO UNEDUCATED INDIVIDUALS THAT SHOULD NOT BE WORKING FOR A SERVICER THAT WAS NO TRAINING ON MORTGAGES.
Consumer complaint received 2018-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (OH)

I submitted a complaint to you, the company sent a response and CFPB closed the matter. Unfortunately, the response was not accurate, there is no way to contact the person who sent the response. In my opinion this company as sending fraudulent information to you. I would like the opportunity to submit documentation as proof. The company mis-handled my escrow account, allowed my hazard insurance to lapse, paid my property taxes when they were not supposed to ( they were not late ) and as a result increased my house payment to cover their errors.
Consumer complaint received 2018-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX
Consumer complaint received 2018-07-20
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affiliated Creditors, Inc. (TN)

Unfortunately I do not have any dates, I do know they have called me more than the allotted 3 times per day. The last time I called the company to make a payment they refused the payment and threatened that my file was now being sent to an attorneys office if I did not pay the amount in full that day. I was on a payment installment plan with them when I fell ill and had to stop payments for a couple months. The refused to work with me after I was back at work, called more than the allotted times and now are placing attorney fees on me as well.
Consumer complaint received 2018-07-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (NC)

I suffered a workplace injury in XX/XX/2018. I had an XXXX in XX/XX/2018 that was ordered by, processed by, scheduled by, and interpreted by my workers compensation physician as part of the workers compensation claim. The Outsource Group on behalf of XXXX XXXX inappropriately and incorrectly billed my private health insurance for this test. They have continued to call me and pursue this debt despite my providing documentation and verbal explanations on no fewer than five occasions.
Consumer complaint received 2018-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

They do not care about your security!

My wife and I have grown accustomed to using XXXX  over the last month. However because I work as an XXXX XXXX and know how important security is, I change my passwords once per month on all my sensitive accounts. XXXX  forbids that! I have 5th 3rd Bank. If I change my password, I AM FORBIDDEN TO USE XXXX  FOR 30 DAYS!!!!! So, in summation, IF YOU TAKE YOUR SECURITY SERIOUSLY AND HAVE THE AUDACITY TO CHANGE YOU BANK PASSWORD - YOU WILL BE PENALIZED WITH A 30 DAY PUNISHMENT FROM XXXX  & 5th 3rd Bank.

Summation : If you have 5th 3rd and what to use XXXX, you can't EVER change your password without a 30 day penalty.

That goes against everything the security industry is trying to do to protect consumers. The fact that a Major Banking Entity like 5th 3rd Bank would passively promote never changing your password for fear of losing the functionality of transferring money is appalling, atrocious and frankly, makes me wonder about other security issues they ( XXXX  & 5th 3rd ) aren't sharing.
Consumer complaint received 2018-07-20
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: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

Portfolio recovery is showing open collections on our credit reports, we have asked them numerous times to provide us with a signed contract showing they legally purchased any accounts with our SSN. They refuse to provide any information except an old statement from an account that isn't related to them. We demand to see contracts which they can't provide since they don't have them. We also demand that all information regarding this company and their fraudulent activities be removed from all credit reports. We also demand monetary payment for the damage they continue doing to our excellent reputation.
Consumer complaint received 2018-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NY)

company is trying to scam me out of {$350.00}. I'm in the process of purchasing a home and company refuses to remove unknown collection debt. I offered to pay to delete even though the debt isnt mine but company refused. It's hurting my credit score and causing hardship.
Consumer complaint received 2018-07-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Protection Association, L.P. (FL)

on XX/XX/2018 I signed up with XXXX XXXX for 3 bundle TV, phone calls overseas and internet service of XXXX. on XX/XX/2018 this service was connected to my resident without XXXX and they gave me XXXX instead. From day one I was  not happy at all with the system specially with the international phone calls which none of them went through and made daily phone calls to XXXX about it and they absolutely did nothing about it.therefor I gave up and disconnected my service with them and returned all their equipment back to them.Now I am getting {$290.00} charges from XXXX XXXX XXXX XXXX for the terrible service that I only had for 6 days! I have been calling this agency to dispute these charges since I received the first notice of {$290.00} and they are running me around to XXXX and XXXX  sending me back to collection agency and I can not get any answer from either one. Today I spoke to some one by name of XXXX XXXX at collection agency and rudely after I said I will report your company if you can not help me to resolve this matter and ruin my credits after XXXX years of age, then she said " well in that case since you are threatening us I am going to close your account and send it back to XXXX!!
Consumer complaint received 2024-11-27
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: BARCLAYS BANK DELAWARE (OK)

I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.
Consumer complaint received 2018-07-20
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. (CO)

To whom it may concern : I would like to submit a complaint against Experian. I received an email this morning ( XX/XX/18 ) from Experian stating that my credit score had increased ( attached ) and upon logging into my account to review, then saw an alert that stated my score had decreased by 15 points ( screenshot attached ), with no  explanation. I attempted calling the customer service number listed for Experian ( XXXX XXXX, and can not for the life of me understand the representative on the line. The language barrier is so incredibly horrible it made it almost impossible to have a conversation and to obtain answers to the questions I need to be answered regarding my credit report! Upon calling back a second time, I spoke to a XXXX XXXX   who could not explain to me why my score had dropped, in fact, she stated that she did not see any reason why my score would have dropped. The only explanation she could offer is that she has seen where peoples monthly scores just fluctuate which is totally unacceptable. Per Experian alerts showing on my online account, XX/XX/XXXX my score increased by 10 points, XX/XX/XXXX I received an alert that my credit card issuer ( XXXX XXXX ) raised my credit limit, and then XX/XX/XXXX my score decreased by 15 points. This is fraudulent and Experian needs to be investigated. I have worked SO hard to get my credit score up and to have this happen and to receive no explanation for why is a complete slap in the face and no one should have to go through this. Please let me know next steps on processing this complaint and advise if there is any further information needed to process. My next step will be to acquire legal representation to address this. Thank you in advance for your support.
Consumer complaint received 2018-07-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (FL)

I contacted Hunter Warfield for the 2nd time ( letter dated XX/XX/2018 ) asking them to validate the debt from XXXX XXXX. 
All they sent me was a statement of account ( copy attached ).
Consumer complaint received 2018-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

I have contacted Equifax after contacting 3 creditors that are showing on my credit that I did not authorize as inquiries. I informed Equifax that the inquiry was fraud, and the creditors have agreed to delete from my credit file. The creditors said that they have sent electronic Communications to the bureaus, but Equifax is saying to me they have not received it. It has been 2 months. I have gotten a credit file update on today in the mail from Equifax saying that the inquiry will remain. I called and was told they have not received any Communications yet from the other parties. I spoke to the creditors twice and they said the information was sent and that they have always had issues with Equifax. 1 inquiry from XXXX has already deleted from the other bureaus, but not Equifax. All of the inquiries include XXXX, XXXX and XXXX. The creditors have even sent me letters verifying that they have agreed to delete from my credit which I sent to Equifax. However Equifax is saying that they can't accept it from me although they allow documents about other things. I've had to put a fraud alert on my acct due to recent unauthorized use of my credit information and they know this. I also have 4 student loan accts that are showing as duplicates. They all are listed as XXXX XXXX. If someone can assist me in this matter, I would greatly appreciate it. Thank you in advance.
Consumer complaint received 2018-07-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

After discharging my Bankruptcy in XX/XX/2018, I tried to call Navient to have them base my loan repayment on my income. The first call that I made to them, in XXXX, to discuss repayment I gave them all of my financial information. They confirmed that based on my income that there would be no way that I would be able to make the payments and should qualify for a {$0.00} repayment plan. The representative went on to tell me that although I should qualify for a {$0.00} repayment plan that Navient was unwilling to make that happen. The representative went on to tell me that the $ 300+ monthly payment was required and that there was no way to lower the payment amount. This is the same representative that just confirmed that I should qualify for the {$0.00} repayment plan, I expressed the fact that there is no way that I would be able to make the payments. I called back in XXXX to try again to lower the monthly payment amount and express the fact that the most I could pay monthly would be {$50.00}. The representative said that I could pay that amount but that Navient would count the loan as being unpaid because it would not be the amount they are requiring. I asked the representative to change the monthly payment to {$50.00} and she said that she was unable to do that. So if I continued to make just the {$50.00} payments that eventually the loan would go to collections even though I would be making monthly payments.
Consumer complaint received 2023-03-16
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. (FL)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this to report five fraudulent accounts appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a loan opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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  ; and a credit card collection account opened on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report, including inquiries from XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX. I demand that the aforementioned fraudulent items be removed from my consumer report. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( Private Case Number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to formally dispute late payment entries that continue to appear on my credit report, despite being already previously deleted by both XXXX and XXXX. These inaccuracies have already been recognized and corrected by other credit reporting agencies, yet my disputes have gone unresolved for an extended period. I have made repeated efforts to have these late payments and this account removed, but my requests have been ignored. This ongoing issue is causing unnecessary harm to my credit score.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am complaining about XXXX, Transunion and XXXX the major credit reporting agencies that have reported an account for collection under the original creditor " XXXX XXXX '' with the account # XXXX I am a victim of identity theft and I can assure you this debt is not mine ; In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section XXXX XXXX XXXX this section states a credit issuer can not furnish an account without my written directions under USC 166B a creditor may not treat a payment on a credit under an open-end consumer credit plan as late for any purpose.