davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency (TN)

debt is currently listed with Grant Mercantile Agency as of XX/XX/2017 for {$1500.00} on behalf of original creditor XXXX XXXX company. This is NOT my debt and they have nothing tp identify it as my debt. After repeated calls to both collections and original creditor asking for identification as proof of debt-neither company is able to provide that claiming that they do not habe it and do not need it. I have never been sick a day in my life and never used an ambulance or any other medical transportation in my life. This is NOT my account and I am asking that it be closed and removed from all of my credit reports. Next step will be to get attorney and ask for damages. This is not right to be charged for something I have never used. it is NOT my account. Either show me the identification used to obtain this account or remove it from my credit reports please.
Consumer complaint received 2018-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

On XX/XX/18 I filed a dispute in regards to several incorrect items that were on my credit report. Most of the items have already been corrected. However, the erroneous collection from XXXX XXXX XXXX for {$9600.00} has yet to be removed from my XXXX report. I have had no business dealings with this company, nor have I signed a lease or any type of rental agreement with this company. I have already contacted XXXX   and XXXX about this matter and after their investigations they both found that the record was invalid and removed the collection from my record. On XX/XX/18 I received a letter from them stating that they can't sue me because the account in question is too old. I have called XXXX on multiple occasions disputing the collection. I also sent them a certified letter stating the same. I am in the process of purchasing a house and this is the only thing holding it up. It would be greatly appreciated if you could look into this matter and get this closed, so I can get it removed from my report. Thanks so much for your help and I hope you have a great day
Consumer complaint received 2018-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MO)

I applied for Public Service Loan Forgiveness from the U.S. Department of Education ( XXXX XXXX ) and was told I do not have any ELIGIBLE loan types. With all due respect, I think they are mistaken and may have inaccurate information. I called XXXX and was told to contact my current loan servicer, XXXX. Before XXXX, my servicer was XXXX XXXX XXXX XXXX XXXX directly after graduation from the University of XXXX  in 2006. It seems possible that a data entry error could have occurred in the transfers.

I have attached documents that I believe prove the eligibility of my loans. If my student loans are not eligible for PSLF, I would like a thorough explanation concerning WHY they are not. I see William D. Ford Direct Loan Program as well as Federal Family Education Loan Program on the consolidation papers. I simply do not understand what the problem is. If I can find evidence that the loans ARE eligible, I can and will re-apply for the loan forgiveness. Thank you for any help you can give me.
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On or about XX/XX/2018 I received my annual credit report from XXXX XXXX which contained a number of items that did not belong to me and was seriously affecting my credit score. Among the accounts reported in error that did not belong to myself was from XXXX ( ACCT XXXX ) in the amount {$270.00}, for a XXXX Account I never had. 

On or about XX/XX/2018 I drafted a letter to XXXX XXXX directing the wrongfully reported items be removed pursuant to 15 USC 1681 ( i ) including that of XXXX. Said letter was send via facsimile to XXXX XXXX XXXX with confirmation of fax received. ( A true and accurate copy of letter and fax confirmation are attached to this complaint ). On or about XX/XX/2018 I received a completed dispute notice from XXXX XXXX in which they removed most of the disputed items, however XXXX remained, claiming it was verified. On that same date, I also contacted XXXX and demanded any contractual documentation from the original creditor and anything with my signature, or the assignment contract from the alleged original creditor to XXXX giving them authority. XXXX has never responded, because the information regarding myself does not exist. 

On XX/XX/2018, I drafted a second dispute letter to XXXX XXXX  directing them to remove the XXXX account as it is not mine and any verification of same would be fraudulent. XXXX XXXX again did not remove the XXXX account. 

On XX/XX/XXXX I faxed to XXXX XXXX a Request For Method Of Verification pursuant to FCRA 611 ( a ) and FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) for the XXXX account ( copy attached and fax confirmation attached ) to which they have fifteen days to respond under the statute. As of XX/XX/2018, XXXX XXXX has not responded in any fashion therefore on that basis alone the account must be removed. 

It is not my responsibility to do what is deemed XXXX XXXX 's responsibility under the FCRA as it the credit reporting agency 's legal obligation to make sure that what they are reporting is truthful and accurate. When a consumer informs the agency that the reporting is in error or fraudulent, the credit reporting agency as a heightened duty under the statute to do a proper and complete investigation. All XXXX XXXX would have to do is demand from XXXX any original contractual documentation by and between myself and the original creditor, which they would then find out it does not exist. Also, as the account is not mine, I can not give them any supporting documentation as there is none to give. 

Because I have disputed his claim 3 times with XXXX XXXX as well as the collection agency, and because I have received nothing by way of supporting documentation from either, the XXXX account must be removed from my credit file.
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Hello - I am at my wits ' end with Experian, trying to lift a long term credit freeze. 

1 ) On XX/XX/18 printed and mailed this online form from Experian to lift the fraud alert from my credit file with them : XXXX XXXX XXXX 2 ) I subsequently received a letter dated XX/XX/18 from Experian saying THAT THEY WERE PLACING A FREEZE on my credit file - THE EXACT OPPOSITE OF WHAT I ASKED FOR.

3 ) I then received a letter from Experian dated XX/XX/18 saying that they would unfreeze my file if I mailed them certain documents as proof of ID and residency, etc. 

4 ) I sent a letter with the documents and information Experian requested on XX/XX/2018 5 ) I  then received a letter from Experian dated XX/XX/2018 enclosing a credit report but with NO INFORMATION OR CONFIRMATION THAT THEY HAVE COMPLIED WITH MY REQUEST AND REMOVED THE FRAUD alert. 

Experian 's apparent incompetence is honestly getting farcical and impossible to work with : A ) They make it next to impossible to call them ( there is no phone number on their website and never any phone numbers in their letters ) B ) I have spent appreciable amounts of money snail-mailing them repeatedly via certified mail. 

C ) I need to apply for a credit card and the fraud alert is impeding me from doing so. 

Action Required : i ) Remove the fraud alert as requested ii ) Send me a letter confirming this has been done iii ) Send me {$30.00} to cover my mailing costs to them.
Consumer complaint received 2018-10-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Portfolio Recovery is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Account # s XXXX/ XXXX/ XXXX This company is reporting the amounts of $ XXXX/ $ XXXX/ $ XXXX/ $ XXXX/ {$470.00}
Consumer complaint received 2018-10-07
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. (NJ)

XXXX ( XXXX Loan Acct # XXXX ) in the amount of {$3100.00} XXXX ( XXXX  Loan Acct # XXXX ) in the amount of {$2100.00} The above two accounts were originated between years XX/XX/XXXX-XX/XX/XXXX. A detailed debt validation letter was sent on XX/XX/XXXX ( USPS Certified Mail, reference # XXXX  ). As of today, more than 30 days have passed without a reply from XXXX.

Please investigate this matter as I believe XXXX is in violation ( again ) in accordance to the Fair Debt Collection Practices Act.
Consumer complaint received 2024-09-23
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (RI)

Hi XXXX XXXX, opened up hopeful XXXX XXXX  at Chase bank following deposited {$20000.00} from my other checking account from XXXX. Open business checking account I supplied necessary documents they requested to include passport, Social Security card, and all business documentations to include operating agreement, EIN number, good standing with the state of Missouri and operating agreement showing that I am 100 % owner. The bank requiring that I update the Missouri Secretary of State website listing myself as the member and owner however, the state does not require that and the bank will not release my funds or holding my {$20000.00} until I make the change. In addition, the bank did approve my other XXXX  XXXX  and my savings account however did not approve or authorize my hopeful XXXX XXXX company located in Missouri, so I can buy real estate. 
They are telling me in order for me to get my funds back I need to put my name on the secretary states website, however that is not necessary within that state guidelines. I provide the bank proof of funds including copy of the checks and bank letter signed, showing proof of funds And still having an issue with establishing my business account so I can conduct transactions.
Consumer complaint received 2018-10-01
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (FL)

I noticed this XXXX XXXX that on my Best buy credit card ( citibank ) I was being charged a fee outside of my interest. I learned that the fee was called " enhanced debt protection. '' When I called to figure out what this fee was regarding, they informed me that I have had this " protection '' on my account since XXXX of XXXX. I felt violated and immediately wanted to close my account as well as cancel this " protection. '' I know that I have never knowingly signed up for ANY protection on my account. In fact I have never heard of this protection in my life until that phone call. I demanded to be refunded and I know I have paid well over {$500.00} into this. Had I of not downloaded my statement and looked thoroughly I would still be charged this fee every month without my knowledge. Not only have I reached out to them XX/XX/XXXX and demanded they refund me, they stated it would be investigated and that I will receive a document stating whether I would be refunded or not. I received the document today, XX/XX/XXXX and was told they will request again for investigation again. I was told there is no one else to speak with about this and the only thing I can do is wait for another investigation. After reading further into this situation there are many others in the same situation I am with Citibank with no refunds and no answers.
Consumer complaint received 2018-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (WA)

On or about XX/XX/XXXX I filed a complaint with Navy Federal Credit Union regarding two purchases made. These purchases were made to buy airline tickets with two airlines ; XXXX XXXX and XXXX XXXX. Navy Federal Credit Union is failing to properly investigate my claim. When they resolve my claim, they indicate that I used the airline tickets when in fact I did not. 

The disputed transactions are : XXXX XXXX on XX/XX/2018 for approximately XXXX XXXX XXXX ( approximately {$100.00} USD ). The record locator number for this cancelled ticket was XXXX. This ticket was for travel on XX/XX/2018 from XXXX XXXX to XXXX XXXX. 

XXXX XXXX on XX/XX/2018 for XXXX EUR ( approximately {$160.00} USD ). The record locator number for this cancelled ticket was XXXX. This ticket was for travel on XX/XX/2018 from XXXX XXXX to XXXX XXXX. 

Neither of these two tickets were used. XXXX should ensure the airline is referencing these two tickets when disputing the transaction. 

I furnished documentation proving that I cancelled these two tickets and the airlines agreed to issue a refund. Nevertheless, XXXX continues to claim that I used the tickets. I believe their confusion may be that I did purchase two other tickets with the same airlines after these purchases were made, but they are either disputing the wrong transactions with the airlines or the airline is giving them the incorrect information on the used ( but not cancelled ) tickets.

To be clear, there were four tickets purchased. Two were used ( and are not disputed ) and two were cancelled. 

I have asked for a representative who handles the dispute to contact me, but I do not receive a phone call back.
Consumer complaint received 2018-10-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

We are filing a CFPB complaint against Wells Fargo Mortgage. Our firm is actively representing Ms. XXXX XXXX in an active Chapter XXXX Bankruptcy. The purpose of the bankruptcy filing was to stay a foreclosure sale date and to save Ms. XXXX XXXX 's home. Since the bankruptcy filing our office has been communicating with Wells Fargo in an attempt to consummate a loan modification. 

Wells Fargo is refusing to review Ms. XXXX XXXX 's loan account for loss mitigation assistance. No valid reasons are being provided for Wells Fargo 's refusal to comply with our requests. Please review the attached correspondences we have sent to Wells Fargo in an attempt to initiate a loss mitigation request for assistance. The below timeline should help you understand the situation : XX/XX/2018- An application for loss mitigation and all supporting documentation was submitted to Wells Fargo XXXX 
XX/XX/2018- Wells Fargo responds stating the loan can not be reviewed for assistance due to account standing and history without providing additional details. 
XX/XX/2018- Under the Consumer Financial Protection Bureau our office requested the specific reason or reasons for servicer 's determination.

XX/XX/2018- Wells Fargo responds by stating they will not review the account due to prior decisions. 
XX/XX/2018- Our office requested a detailed loss mitigation application history and determinations made on the account.

XX/XX/2018- Wells Fargo responds accordingly however they fail to cite a policy or provision that prohibits borrowers from applying and/or obtaining loss mitigation assistance more than once during the life of the loan.

XX/XX/2018- We inform Wells Fargo that they have violated the Consumer Financial Protection Bureau guidelines by failing to provide borrower with foreclosure protections more than once over the life of the loan. Specifically, the new rule requires that servicers provide loss mitigation assistance again to borrower who have brought their loans current at any time since submitting the prior complete loss mitigation application. We have proved that Ms. XXXX XXXX brought her loan current since submitting a prior complete application. Please see letter for additional details. 
XX/XX/2018- Wells Fargo unable to grant request.
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I have been dealing with this matter for the past couple years. This outstanding student loan balance was originally satisfied and closed. It reappeared on my credit and XXXX deleted it but now its another account through same lender. This information being reported is incorrect and this account is still reporting on my credit even though the status says closed. I have supporting documents to show when it was deleted before on my credit monitoring site.
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I have been dealing with this matter for the past couple years. This outstanding student loan balance was originally satisfied and closed. It reappeared on my credit and equifax deleted it but now its another account through same lender. This information being reported is incorrect and this account is still reporting on my credit even though the status says closed. I have supporting documents to show when it was deleted before on my credit monitoring site.
Consumer complaint received 2018-10-01
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. (IL)

It has recently been brought to my attention that my information has been shared on the internet and on the dark web. This information was given to me through XXXX XXXX, a XXXX XXXX service. As a result of this information there have been numerous hard inquiries associated with my name and social security number. These inquiries include, but may not be limited to, the following : XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX Inquiry from XX/XX/XXXX Department & Variety Stores XXXX Inquiry from XX/XX/XXXX XXXX. 

XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX. XXXX Inquiry from XX/XX/XXXX Personal Services ( Non-Medical ) XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX   XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX - XXXX Inquiry from XX/XX/XXXX Miscellaneous Utilities XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX All Banks XXXX - XXXX Inquiry from XX/XX/XXXX Telephone Companies Leasingdesk Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card XXXX. 

XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 

XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All Banks
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It has recently been brought to my attention that my information has been shared on the internet and on the dark web. This information was given to me through XXXX XXXX, a XXXX XXXX service. As a result of this information there have been numerous hard inquiries associated with my name and social security number. These inquiries include, but may not be limited to, the following : XXXX XXXX  Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX Inquiry from XX/XX/XXXX Department & Variety Stores XXXX Inquiry from XX/XX/XXXX XXXX. 

XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX. XXXX Inquiry from XX/XX/XXXX Personal Services ( Non-Medical ) XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XXXX  XXXX, XXXX Bank XXXX   XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX - XXXX Inquiry from XX/XX/XXXX Miscellaneous Utilities XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX All Banks XXXX - XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 

XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 

XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All Banks
Consumer complaint received 2018-10-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC (NV)

I have stage XXXX XXXX and have been trying to refinance my car with my credit union. My credit union requires a copy of the title so that they can confirm that no one else is on the car title. Westlake has been refusing to provide the information to my credit union. Westlake said they require the request come directly from my credit union and not myself. When my credit union requested the information, Westlake said they would provide it in a couple of days. The required documentation never showed up. Now Westlake says they will not provide the information needed to refinance my vehicle as i battle this XXXX and can no longer work. It has now been over 30 days and my refinancing attempt must start all over again, which means running my credit again. This is grossly effecting my fiances and my credit reporting since i now have multiple inquiries that should not be necessary.