davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-30
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. (MD)

XXXX XXXX XXXX XXXX XXXX I sent a LEGAL Notarized affidavit to Equifax, disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For Equifax, to Provide physical verification of the original signed consumer contract. I demanded from Equifax, to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt. UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal.
Consumer complaint received 2019-05-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WA)

Navient encouraged me to put my loans into forbearance during residency which continued into fellowship. I was not given information regarding income based repayment options which would have been a better option. I felt very misled and have increased repayment amounts due to this ( which was a total of 6 years ). They took advantage of me and did not give me all the information I needed to make educated decisions, decisions within my best interest.
Consumer complaint received 2019-05-01
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: Experian Information Solutions Inc. (IL)

The company below has been calling my cell phone and my work treating to arrest or proceed with leagal action against me. This debt is not mines nor will I pay them anything. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 {$31000.00} {$31000.00} XXXX XXXX XXXX XXXX XXXX, MS XXXX
Consumer complaint received 2019-03-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (GA)

There is two collections accounts on my credit reports I have disputed on several occassions. They are XXXX and XXXX XXXX. I do not have either of the accounts listed on my credit reports as accounts that belong to me. I have attempted and spoken with the credit bureaus trying to resolve this problem to no avail. The account numbers nor the amounts from these two collection agencies are not listed on my report.
Consumer complaint received 2019-03-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (CA)

I received numerous robocalls and telephone calls on my cell phone from XXXX XXXX XXXX and its collection agency Credence Resource Management LLC for {$78.00}. I had switched internet service to XXXX and terminated this account as of XX/XX/XXXX, but they still demanded payment for XXXX service for two cycles from XX/XX/XXXX through XX/XX/XXXX, after their service had been terminated. 

XXXX XXXX XXXX has an answering service which will not respond with a live operator unless the amount is paid. I refused to pay the amount and XXXX XXXX XXXX made a number of robo-calls on a daily basis during work hours. XXXX XXXX XXXX eventually called through a live operator, and I told him that the amount is disputed ( despite the fact that they had already received their leased equipment back ). They next submitted their claim to Credence Resource Management LLC whose employee called me on my cell phone during work hours, threatening to sue and blackball my credit unless it is paid. Again, I told this person also that this amount is in dispute. Notwithstanding, Credence sent me a letter of collections demanding payment.

This is a small amount and it is much easier for me to just pay it. But I am so incensed by XXXX XXXX XXXX and the threatening tone of Credence that I felt it was necessary to point this out to CFPB and to the public. When I went to the XXXX XXXX to send back the leased equipment to XXXX XXXX XXXX, there was a line of people all waiting to do the same, and they had gone through similar experience of XXXX XXXX XXXX 's wilful disregard for consumer rights.
Consumer complaint received 2019-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NJ)

Some time around XX/XX/2018 my checking account was double debited for my mortgage payment. Both my mortgage and checking account are with Chase Bank. I called Chase and over the course of a couple days they were able to fix the issue and return back the second mortgage payment. All is well until I noticed I never received credit for my annual 1 % cash back, a promo given by Chase at the time my mortgage closed. That credit is given annually, {$170.00} which is 1 % of my annual principle and interest payments. I have been receiving this promo since XX/XX/XXXX and it's for the life of the loan. I reached out to Chase where they have been unable to correct the issue. I have reminded them on multiple occasions that this error was caused by them and not me. The root cause of the issue is when the payment error was corrected the Chase representative removed my auto debit from my checking account. I never requested this nor was I advised this was being done. I let Chase know this was done without my authorization and I have been a long time customer who has ALWAYS paid my mortgage on time if not early. The auto debit was never raised as a concern to me because I always pay on the XX/XX/XXXXt or prior and the auto debit was set for the XX/XX/XXXX business day of the month. I am asking for my 1 % promo to be reinstated and that I received credit in my XX/XX/XXXX statement of {$170.00}. I had a remaining 24 years left of promo credits totaling {$4100.00}. If they are unable to fix this issue going forward due to technical capabilities then I would expect them to honor their commitment up front and avoid future issues or having to do this every year. I will mention again, I tried on multiple occasions to fix this with Chase and they are not helpful at all or even care about their customers.
Consumer complaint received 2019-03-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

My new mortgage company XXXX XXXX just sent us a bill of around seven thousand dollars. On the bill and over the phone, XXXX broke down why they are were charging us so much on this bill. They said the sum was made up of increases in property taxes, school taxes, home insurance and other increases that had occurred during XX/XX/2018. Which was the year AmeriHome Mortgage had our mortgage, they also said someone from AmeriHome was supposed to make sure the increases were applied during XX/XX/2018 and failed to do so. When XXXX bought out our mortgage they had to pay the surplus and now charge us. Our mortgage was not serviced correctly, and this negligence has cause this large bill to fall our shoulders.
Consumer complaint received 2019-05-16
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. (CA)

I contacted all three credit bureaus XX/XX/XXXX to have XXXX  XXXX   removed from my credit report due to me not having a contract. XXXX  removed this creditor from my credit report XX/XX/XXXX. However XXXX  XXXX  is showing up on XXXX  and Equifax. I have disputed this with a 2nd letter to XXXX and Equifax on XX/XX/XXXX because I did not here back from them the reason it was on my credit report. After that I hired XXXX XXXX XXXX to correct this and Equifax and XXXX  still did not furnish me with a original contract proving that this account was mine as requested or deleting this from my credit report. I disputed this with CFPB XX/XX/XXXX and I looked up my results and spoke with the representative who advised me that they recieved a response back from XXXX XXXX stating that had no record of me which is not true. I provided a screen shot of my credit report stating that this was their name on my equifax and XXXX  credit report. Since this company is denying that they are not the company that is reporting Im asking XXXX and Equifax to delete this company from my credit report or furnish the orignal contract from this agency, which they have yet to do.
Consumer complaint received 2019-03-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

PennyMac LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX We have had a short sale going on with PennyMac since XX/XX/19. The authorization letters were sent on XX/XX/19 and XX/XX/19. We have spoken to PennyMac multiple times since then via both email and on the phone, and have even received an approval letter for the short sale. 

Today we were told by multiple people, even management, that we are not authorized. They refused to speak to us and said we were never authorized. 

**HOW is that possible if we received an approval letter and have spoken to PennyMac MULTIPLE times over the last several months?? 

So. Either PennyMac inappropriately communicated personal financial information to us throughout the entire past few months- including sending an approval letter to us, or they are now lying about our authorization status. Either way, this needs to be resolved immediately. 

I want PennyMac fined the maximum of $ XXXX due to their gross incompetence and consistent inconsistency.
Consumer complaint received 2019-03-29
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. (NJ)

XXXX, XXXX XXXX XXXX, XXXX XXXX reported additional negative information on my report I want removed.!! I never received any responses from the credit bureau. Please help I need this false information removed from my credit.XXXX XXXX below is additional information I also attached more information. 
XXXX {$550.00} {$350.00} 158 % Revolving Negative XXXX XXXX XXXX XXXX XXXX {$370.00} {$200.00} 185 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$980.00} {$710.00} 138 % Revolving Negative XX/XX/XXXX XXXX  XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XX/XX/XXXX {$1100.00} - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX-XXXX XXXX XXXX & XXXX   XXXX XXXX XX/XX/XXXX {$6500.00} - XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX-XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4200.00} {$4200.00} XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX-XXXX  DEPT OF   ED/XXXX XXXX {$100000.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$27000.00} - - Installment Current XX/XX/XXXX You have 9 Closed Accounts Account Name Balance Credit Limit Usage Type Status Opened On XXXX XXXX - {$100.00} - Revolving Paid XXXX  XXXX XXXX XXXX XXXX XXXX - - - Installment Paid XX/XX/XXXX XXXX XXXX XXXX XXXX - - 12 XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX DE XXXX XX/XX/XXXX Installment Paid XX/XX/XXXX XXXX  XXXX XXXX XXXX {$550.00} {$350.00} 158 % Revolving Negative XXXX  XXXX XXXX XXXX XXXX XXXX {$370.00} {$200.00} 185 % Revolving Negative XX/XX/XXXX XXXX XXXX   XXXX - - - Real Estate Unknown XX/XX/XXXX XXXX XXXX XXXX XXXX {$980.00} {$710.00} 138 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXXXXXX Real Estate Paid XX/XX/XXXX XXXX
Consumer complaint received 2019-05-16
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: Experian Information Solutions Inc. (FL)

I noticed the company XXXX XXXX reporting an inaccurate and fraudulent debt on my credit report. I initiated a dispute and requesting to validate and and investigate the debt since that seems to always be the 1st step to credit solutions. The company failed to respond AT ALL to that initial request. I also called them and had to argue with a representative in order to talk to someone in Compliance regarding their failure to respond to the validation letter. I spoke to " XXXX '' in compliance because XXXX the director was out according to her. She asked for time to investigate and that she would later get back to me. She never did. Two entire weeks passed and then I called her again to find out what the next step was. She said there was nothing to do because they have phone calls and that the " account info '' that they have on file is deemed as accurate. I asked her how? And if that's what the company has concluded I am legally entitled to see this " proof '' of what I have been telling them is FRAUD. She then goes on to tell me that they ONLY way she will send me proof that the company DID respond to my validation letter is IF I SEND A CERTIFIED MAIL RECEIPT -- - that is illegal and A LIE. I don't need to send any letters Certified Mail that is NOT a requirement for them to do their job. I then tell her that she is lying to my face about that being a " rule '' and that she is wasting my time. She then asked me if i sent over a police report. I told her NO, i did not send one over because YOUR COMPANY never told me what procedure to take or what direction to go in. To INITIATE A DISPUTE THAT IS NOT LISTED under the FCRA to submit a Police Report along with the initial investigation letter, so how am I supposed to assume that's the case? That's when I told her she should educated herself and the company on the TERM " LIABILITY '' since she has no clue of what she is talking about -- and since she is purposely wasting my time I will have no choice but to contact a Lawyer, which by the failed response and their claim of recorded calls -- I am confident I have a case that will grant me monies along with their compliance to the full extent of the law upon contacting a lawyer. But I also want a paper trail of their failure to follow the LAW on multiple occasions with me. I can only imagine with how many others this happened with!
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. ()

I have tried ordering my free annual credit report from XXXX for all of three credit rating agencies of USA on  XX/XX/XXXX via XXXX Post registered post tracking number : XXXX using annual credit report request form to the specified address for XXXX, XXXX. I have NOT heard till date. Upon calling annual credit report agency XXXX today ( XX/XX/XXXX ) I have faced similar problem that due to international address I could NOT order the report in right manner for a sure delivery in XXXX. I understand that it is highly unlikely report will be mailed outside USA but it will be okay for me to get an electronic copy emailed to my personal email address : XXXX as a pdf document with specified password for secure transfer and access. I was helped to follow this procedure by customer service representative on XXXX. I have TO ORDER this report as I am maintaining lawful US tax resident status and critical personal financial investments to safeguard to best of my means. So this is the best and only way used highly sparingly. Kindly oblige immediately and provide me my credit report from all three agencies. Sincere thanks in anticipation - XXXX XXXX XXXX ( First Middle Last name )
Consumer complaint received 2021-03-20
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: KEYCORP (IL)

I recently received an unemployment debit card, in XX/XX/2021, but I am not unemployed, I called the number on the card to investigate why I would receive such a debit card. The representative indicated that it was fraud, cancelled the card and referred me to CFPB. Hence, I am reporting this fraudulent event to you. The amount is unknown since the card was cancelled before being activated. I encourage everyone to be very cautious of potential identity theft scams, more so during the pandemic.
Consumer complaint received 2019-03-29
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC. (GA)

I had an auto loan with Exeter Finance for {$13000.00}. I became sick and my income changed. Exeter would not refi the loan. The auto ended up being repo-ed. I spoke with Exeter to get the remaining balance of {$8200.00} XX/XX/2018. I made {$7900.00} total in payments. The interest rate was @ 24 % on the {$7900.00} of payments = {$1900.00} in interests would seem = {$6000.00} was applied toward principal = {$7600.00} remaining balance. The car auctioned for {$7000.00} - {$7600.00} remaining = {$670.00} + {$1200.00} repo fees = {$1900.00}. 

Exeter has reported to all three credit bureaus a remaining balance of {$6800.00} which is not even close to the correct amount owed. I have disputed the amount on several occassion to no avail. I dont have a problem with paying what I owe. I have a problem with paying what I know I do not owe. I have talked with Exeter about this incorrect reporting as well. I requested a transaction log from the beginning of the loan until auction how all payments were applied. I have not received this information to date. The account on Exeter page does not show the break down of the payment as applied to the {$13000.00}.
Consumer complaint received 2019-05-16
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. (AZ)

The account was settled and the settlement amount was paid in full. I sent the information to Equifax and they have failed to properly verify the information and report it correctly on my credit report. The balance is XXXX  but they are still reporting a negative balance and stating it was charged off.
Consumer complaint received 2019-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (NY)

Im trying to get a negative mark removed from my credit report that was reported by Ocwen Loan Servicing. I have been trying for the past few months. Twice I have spoke to different escalation managers and twice my request was turned down. This is ridiculous. 

The facts are simple. 

My ex wife got our residence from our divorce. In our paperwork it clearly states she was the sole owner and solely financially responsible for the mortgage payments on the residence. Stipulation of Settlement was executed on XX/XX/2018 by the Honorable Judge XXXX. The late payment to which I am referencing was reported for the month of XX/XX/2018. Clearly after all papers were signed. 

The below references relate to the Stipulation of Settlement from our divorce. 

Page 13 letter K Unless expressly provided in this agreement, the party receiving the particular asset, whether tangible or intangible, shall assume any and all liabilities associated with the ownership of such asset, and shall indemnify hold the other party harmless of any and all such liabilities. 

Page 15 letter B The wife shall remain in and retain sole ownership of the residence. 

Page 16 letter C from previous page 15, The wife shall indemnify and hold the husband safe harmless and satisfied with respect to the Ocwen Mortgage now and forever. 

This is pretty simple case. My ex wife assumed the home and the Mortgage solely on XX/XX/2018. On that date I lost all interest in the residence and was no longer obligated to legally pay the mortgage. The fact my name wasnt removed from the mortgage loan was a technicality and that it was being worked on to be removed. 

Our Judgement of Divorce Papers were signed by the Honorable Judge XXXX on XX/XX/2018.
Consumer complaint received 2019-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

In XX/XX/2019 I disputed with BoA 3 XXXX transfer transactions from XX/XX/2019 ( 2 transfers for {$1000.00} and 1 transfer for {$500.00} all to recipient XXXX ). In total {$2500.00} has been fraudulently transferred from my BoA account and the bank has refused to put the funds back. BoA opened up a claim and their initial and 2nd response was that the transaction was authorized because it originated from my device. 
I have never authorized those transfers and I do not know who XXXX is and how they were able to access my device and make the transfer. 
According to your statement posted online : https : //www.bankofamerica.com/XXXX Using XXXX in our Mobile Banking app is a fast and efficient way to send money to family and friends. We verify your enrollment with a code and also provide transaction alerts for new payees, password changes and other potentially suspicious activities. Plus,  youre not responsible for transfers you don't authorize. 
Since I have never authorized those transfers I request that BoA returns the {$2500.00} back to my account. 
I have been obviously a victim of an elaborate fraud and I do not understand how this act of theft can be seen as authorized ( because it came from my device ). The bank is playing with semantics and refuses to put the funds back.
Consumer complaint received 2019-03-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lyons, Doughty & Veldhuis, PC (NJ)

XX/XX/2019, I was served a certified letter containing a Notice for Execution Against Wages for XXXX. A judgment for a debt I was never notified of or have any record of dealing with XXXX bank. 
I responded to Lyons, Doughty and Veldhuis attorney for XXXX XXXX, the buyer of the debt, on XX/XX/2019, asking for the debt to be verified. They responded on XX/XX/2019, saying the judgment was filed legally and a snip of the judgment in the amount of {$10000.00}. No proof of account or anything from XXXX with my name on it.
Consumer complaint received 2019-05-16
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX XXXX and XXXX XXXX XXXX are double reporting on accounts # XXXX for XXXX XXXX and # XXXX for XXXX XXXX. These are the exact same account just with different numbers. They are double reporting and it should be removed.