davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian and XXXX. 

Please delete the following accounts : XXXX XXXX  Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$0.00}
Consumer complaint received 2016-07-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Receivable Management Services LLC (TX)

R.M.S. keeps trying to collect a debt from XXXX an insurance company my mother with alzaihmers never had. I ask their professional license number to verify company was legitimate as the CFPB fraud prevention article suggested and R.M.S. company refused to give their professional license number. I post a complaint as the CFPB article suggest. Please check into this hope my mother is not been scammed.
Consumer complaint received 2024-10-12
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. (AZ)

I appreciate your help in addressing some of the fraudulent information on my credit file. However, there are still unresolved inaccuracies that need to be removed. Under FCRA Section 605, you are obligated to eliminate any inaccurate records. I have previously provided this documentation and am including it again for your reference. My attorney is fully informed of the situation and prepared to hold you accountable for continued non-compliance. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-11-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JH Portfolio Debt Equities, LLC (FL)

My name is XXXX XXXX. My fiance ' shares the same last name ( XXXX ) with my neighbor. " Credit Control LLC '' ( formerly known as " XXXX XXXX XXXX XXXX '' ) has been repeatedly calling our household asking for this neighbor. 
Yesterday ( XX/XX/XXXX ), they called again, and for the first time, I answered the phone to clear up the misunderstanding. The representative thanked me, and then hung up. 
Today, ( XX/XX/XXXX ), one day later, they called again. I answered, but this time asked for their mailing address. They promptly hung up the phone. 
Can you please tell me what my options are at this point, to end these daily phone calls. Thank you in advance for your help Sincerely, XXXX XXXX
Consumer complaint received 2016-07-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (RI)

I applied for a Home Affordable Modification with Wells Fargo on XXXX/XXXX/XXXX because I could not make the payments required and am three months behind. The response came back that I was approved for the modification and had to make three trial payments of {$3100.00} starting XXXX XXXX, XXXX - this is my current payment which I ca n't afford. The reasoning which I believe got me into this mess when we purchased in XXXX XXXX, is that our monthly household income is {$16000.00} - I WISH IT WAS! My husband and I do have a business which is a partnership and per our Home Preservation Specialists XXXX XXXX, our income is based on the Gross Income of the business and not what the XXXX show or the amount of {$5300.00} we submitted on the Income/expenses for household form we submitted with the loan modification paperwork. They are n't even taking in consideration the expenses of the business or the information provided to them on IRS Form XXXX or the income statements of the business we provided. In the year-to-date income statement we provided for the business our net income for the period ending in XXXX XXXX was {$14000.00} which has to pay for XXXX judgements against the company and past due bills dating back to XXXX that includes payments to the IRS. 
I do n't understand how they can come up with this conclusion when at the end of XXXX, I submitted paper work for a loan modification because we were 6 months behind and fighting foreclosure and they approved our loan modification. Our monthly payments were {$3100.00} prior to the modification and the approved mortgage modification lowered our payment to {$1900.00} which was more manageable for me.
Consumer complaint received 2017-06-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (NJ)

I called Navient due to be being unemployed and unable to make my student loans payments. The company told me it was nothing they can do for me and marked my payments as being late. I had to keep on calling 15 times a day to speak with someone who was willing to help me out. I advised that my payments were not late and that it was being reported in error. No one has gotten back to me about the error and the lack of options for struggling borrowers like me. the only option they gave me was to pay.
Consumer complaint received 2017-06-23
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Collection Systems, Inc. (GA)

Collection agency : National Credit Management XXXX XXXX XXXX, XXXX XXXX, MO XXXX Phone number : ( XXXX ) XXXX XXXX Partial Acct # XXXX School : XXXX XXXX XXXX College of XXXX XXXX State University XXXX XXXX XXXX XXXX, AZ XXXX Phone number : ( XXXX ) XXXX Amount owed : {$2700.00} The school falsely advertised the price of the degree plan and the course in following manner. ( 1 ) XXXX State University failed to advise me that there was a difference in price for out of state tuition for the program that doubled the amount of the class cost. When I advised the school ( contact name XXXX XXXX ) of their representative ( XXXX XXXX, Enrollment Coach ) tactics, they dismissed my concerns with no review or investigation into my allegations. ( 2 ) the school nor the collection company never notified me in a timely manner that owed in monies to the school. As such I was not given the opportunity to pay it off timely and in good faith. The balance was paid as should have ; however, I do not feel that this should be on my credit reports.
Consumer complaint received 2024-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2016-06-22
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Rash Curtis and Associates contacted me twice after receiving a certified letter asking for proof of debt and to cease and desist communication. The letter was received XXXX XXXX at XXXX. 

I then received a robocall and after a brief dialogue, informed the first representative that I work at home, the call was interfering with my job, and I previously asked not to be contacted. A couple hours later, the robodialer called again and the second representative confirmed notes from the first call. 

The frequency of automated robocalls indicates the beginning of a harassment campaign.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I was shocked to discover an account on my credit report that is either entirely incorrect or completely unrelated to me. This glaring error has already caused substantial harm to my credit score and could have even broader negative consequences on my financial life.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (TX)

On XXXX I submitted a dispute with NCA they were asked for debt validation according to 15 U.S.C. 1692 ( g ) and they only provided the original agreement between me and the person they bought the debt from they refused to validate that they were now in a position to collect the debt nor would they provide me with payment history when i called XXXX and I asked them repeatedly for it in writing and they have just absolutely refused to give it to me and as such are incorrectly reporting on my credit
Consumer complaint received 2017-06-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Chaplain Financial Services LLC (CA)

I have received numerous phone calls from this company. Some of them have been robo-calls with a message saying that I will be " arrested at my workplace or home and removed from the premises '' if I do not return their call. Other calls have been voicemail messages from a woman basically saying the same thing that I will be arrested at my workplace. I have called them and all I get is either a weird beep and on two occasions I did leave messages asking for more information. I have not received any information as to what this matter pertains to, who I supposedly owe money to, amount owed, or any other information ( on one occassion they left reference # XXXX ). I do n't even know this company 's name. I XXXX the phone number that has called me most ( they use several phone numbers ) and the number is connected with a company called Chaplain Financial Services in Georgia, and I 've found that this is a scam and people are saying to block them and ignore them. I did just that - block them but they are still able to leave these threatening messages.
This morning I received a call at XXXX XXXX and they left a message saying that I would be arrested by Noon today at my workplace. I called them back at XXXX XXXX. and the call went to voicemail. I asked them to give me more information in writing and by mail - not phone. All they 've ever said is my name but they have never said what amount or to whom I supposedly owe this.
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

OnXX/XX/XXXX I worked with a rep. from Chase re. inaccuracies on credit card ending in XXXX.
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Chase reported that I was 'past due 90 days ' in XXXX, XXXX, and XX/XX/XXXX, according to an XXXX credit report pulled on same day ( refer to complaint # XXXX for credit report number ). The rep. reported that I had missed no payments for the months cited. In addition, she said that I was on a payment plan and " When on promised plan, no adverse reporting to credit bureaux if current on ( agreed ) payments ''
Consumer complaint received 2016-07-09
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A. (FL)

I was renting a living space from an out of state landlord. I live in Florida and the landlord lives in Minnesota.I mailed a rent check to my landlord in XXXX of XXXX. The land lord called me and asked me to pay the rent to another bank that held his mortgage because this bank had no branches in his state and he did not want a late fee. He told me he would destroy the check I sent and we made the arrangement for me to pay my rent directly to his bank that held the mortgage to the rental property. Fast forward to XXXX XXXX I gave notice I was moving and paid my last months rent. After I moved out he cashed the Check that he was supposed to have destroyed. My banks policy is that checks expired at the 6 month mark, and even though this check was 14 months old they payed out on the check, over drafting my account which they are not supposed to do because I refused overdraft protection. I filed a complaint with my bank and they said even though they were in the wrong they would not refund my money. I am on XXXX and live month to month on my check
Consumer complaint received 2016-11-11
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hello CFPB, On XXXX XXXX around XXXX I attempted to make an ATM withdraw at a XXXX ATM ( XXXX XXXX XXXX, XXXX, MA XXXX ). After being rejected by both ATM 's saying that my account had insufficient funds I assumed that something must be wrong with the ATM or an error with my Capital One 360 debit account associated with the card, as I had checked my balance earlier in the morning at it was slightly over {$700.00} dollars. When I checked my account later that night I discovered that an withdraw of {$700.00} dollars had been made at an ATM at XXXX XXXX XXXX XXXX XXXX XXXX, Nj XXXX. I live in Massachusetts and did not make this withdraw so I immediately flagged the transaction and closed the debit card. 

Please let me know if there are any additional steps I should be taking to dispute this transaction. I have contacted the back associated with the debit card, Capital One 360, but they are closed for the holiday.
Consumer complaint received 2017-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AZ)

Dear Sir or Madam : This is in regards to Late payments, XXXX XXXX, FedLoan Servicing, Account # XXXX Attached are copies of documents to show that there was in fact a mistake made with my billing with the FedLoan servicing. The first document is a copy of the EFT application for direct debit. The date clearly states that on XXXX/XXXX/XXXX the EFT was put into effect. The second document states that my forbearance just ended and payment should have commenced upon the ending of my forbearance. The dates for the forbearance was XXXX XXXX, XXXX for three months. This would take care of XXXX, XXXX & XXXX payments. The third document shows a direct debit extraction reminder. The date on that is, XXXX, XXXX XXXX. My payments should have not stopped with the direct debit. These documents show that I, in fact, never missed a payment during the dates listed above. Somewhere there was a simple mistake that needs to be cleared up but seems nearly impossible. In the past, I have disputed these mistakes multiple times with all credit bureaus and FedLoan themselves. Nothing was done to fix the error. All I am asking for is a little latitude while this matter is being attended too. As you can see by my previous track record with FedLoan, I have never missed a payment prior to or after the dates stated above. I have never missed a payment on my first car loan through XXXX. I have never missed a payment on my second car loan through XXXX. My credit is in good standing. I am a responsible XXXX year old young man. I run my own small business in XXXX, Az. All I am asking for is a little help to clear this mistake up. Thank you!
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TX)

In XXXX of XXXX, I contacted CBNA ( Home Depot Credit Services ) to close my account and set up fixed payments of {$22.00} a month until the account was paid off. I was NOT informed that since I had a past due balance that the closed account would still be reported as late to the credit bureau, even with making the minimum monthly payment of {$22.00}. Now, I have 5 late payments marks ( XXXX, XXXX, XXXX, XXXX, and XXXX ) on my credit report. These late payments should be removed since I was never verbally told or received info in the mail to explain that my account with CBNA would be negatively reported to the credit bureau. If I had known my credit was being adversely impacted I would have never set up the payment plan to begin with. I would have just paid the past due balance first, then set-up the payment plan. This does n't make sense. I have made every payment on time since the payment arrangement was set-up. I ask that the late payment marks be removed from my credit report so that all credit reporting is fair and accurate.
Consumer complaint received 2017-06-23
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 (AR)

Three charges appeared on my XX/XX/XXXX credit card statement from Bank of America ( attached ) for {$11.00}, {$8.00}, and {$14.00} that totaled {$35.00}. Bank of America sent 3 letters all dated XX/XX/XXXX ( attached ) acknowledging the dispute of the 3 charges as being fraudulent. Bank of America sent a letter dated XX/XX/XXXX ( attached ) indicating that credit for the {$35.00} would be made to my account and issued me a new credit card ending in XXXX with instructions to destroy my old credit card ending in XXXX. My credit card statement of XX/XX/XXXX ( attached ) shows that Bank of America did in fact credit my account for the 3 fraudulent charges of {$11.00}, {$8.00}, and {$14.00}. However, theXX/XX/XXXX letter from Bank of America ( attached ) FALSELY stated that XXXX had also issued credits for the 3 fraudulent charges in 4 ( four not 3 ) credits to my account and Bank of America was therefore adding the amount of the 4 credits from XXXX back into my account.. This action by Bank of America to add the 4 amounts is shown in the attached XXXX print of my online account. However, of the four credits which Bank of America indicated were made only the credit for {$14.00} was made by XXXX AND this was a credit for goods purchased by me from XXXX and then returned for credit as shown by my attached statement of XX/XX/XXXX and the attached receipt for the return. It was not a credit for the disputed charge of {$14.00}. The other 3 credits of {$8.00}, {$0.00} and {$11.00} that Bank of America alleged were made by XXXX never appear on any of my statements and were NEVER made by XXXX. Hence, the action of Bank of America of adding the {$35.00} of the credit it originally made for the fraudulent transactions is itself fraudulent and is only an attempt to cheat me out of {$35.00}.
Consumer complaint received 2017-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After being denied financing for " too many inquiries '' from TransUnion, I reviewed my free annual credit report from all bureaus for 100 % accuracy. I found that there were several unauthorized inquiries that I had no knowledge of and I submitted a written complaint to TransUnion requesting that they verify the accuracy of these inquiries that I did not authorize. After a few weeks, I called and spoke to Supervisor XXXX XXXX today who provided me with no relief in verifying the unauthorized inquiries. My account already has an active fraud alert to prevent future unauthorized inquires like these. The following inquiries were not authorized and I 'd like to see to it tthat they are removed or verified for accuracy. None of these companies received my identification or authorization to obtain my TransUnion report for any reason : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  Account Number : XXXX XXXX : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Transunion : XXXXXXXX XXXX Account Number XXXX XXXXXXXX XXXX  Account Number : XXXX
Consumer complaint received 2017-06-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (OR)

I contacted IQ Data International about my renter 's debt. While I tried to work out a payment plan, they were completely unreasonable with me, treated me like I was ignorant about how the system works, even tried to explain to me what a loan is. When I tried to propose making the payments I am able to make, they said that the amount was too small and that they would not report the payments or provide me with proof of payment. Since then, it was represented to me that a settlement might be acceptable, about one third of the original totally, but another representative informed me that this settlement would not actually clear the debt, simply remove my name from the list. The actual amount required to settle the debt is significantly higher.