davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I check my credit report with Experian regularly and there is a negative account on my report. I have disputed this with Experian but they say that they can not see this on their end but it comes up on my credit report and they have not fixed it. I always ask which account is negative and they can not provide me with an answer. Every time i dispute this with Experian they ask which account it is that i am disputing. I have no access to that information because on my report it only says that i have on negative account but it does not tell me which account is negative or by who. I am frustrated as i have been disputing this for more than 3 months already.
Consumer complaint received 2017-01-27
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: American Accounts & Advisers, Inc. (TX)

XXXX XXXX of American Accounts & Advisers called me this evening after I had been working with one of his reps in getting an itemized bill from a medical bill. After I explained to him that I was working with one of his reps, he proceeded to tell me that I was " Taking advantage of her niceness '' and that he " knows people like me '' He claimed that I had no intention to pay and then made light of putting this on my credit report. When I asked for his supervisors name, he then gave me his subordinates name and number. I know this because I looked it up. The name He gave me was XXXX XXXX. If he would have stopped for a moment, I tried explaining I had n't received a bill most likely because I moved and I was also told that it was covered by my insurance. Rather, he thought it a better idea to make me feel like a child in the way he was speaking to me.
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (PA)

I have a foreclosure on my Experian credit file with XXXX. The last activity date was in 2006 which puts this item THREE YEARS outside the federal obsolescence date. I disputed this item and it remains on my file. Federal law ( FCRA section 605 ( a ) ( 4 ) indicates that items that " Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years '' can not remain on my file. This is a violation of federal law. 

The account number of this item is XXXX
Consumer complaint received 2016-01-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (MN)

I noticed on all XXXX of my credit reports that there is a collection from XXXX that i have no knowledge of, have never dealt with them before, and believe its due to an identity theft. I want this collection removed and to not report again or i will be seeking further action.
Consumer complaint received 2016-08-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NV)

*** Ditech presented and charged us for an escrow deficiency that is greater than the actual money they paid out. *** From XXXX XXXX to XXXX XXXX, Ditech paid only {$1400.00} for taxes and insurance. *** Ditech 's XXXX XXXX, XXXX escrow analysis, attached, calculated a deficiency of {$2000.00}. ***Their calculation of the deficiency ( {$2000.00} ) is greater than their payout ( {$1400.00} ) by {$660.00}. *** How can our deficiency be greater than the money they actually paid out? ***Borrower 's XX/XX/XXXX escrow overage and payments covered Ditech 's XX/XX/XXXX disbursements ( all received by payees ). 
*** There is no lapse of insurance. *** There is no delinquency of taxes. ***Attached are borrower 's tax payments, Ditech 's XXXX XXXX and XX/XX/XXXX monthly statements, and XX/XX/XXXX insurance ( Ditech paid XX/XX/XXXX and XX/XX/XXXX ).
Consumer complaint received 2015-05-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ditech Financial LLC (AR)

Green tree calls me XXXX days a week and ask me for my sss # on the phone and will not tell me nothing. I do not owe them nothing. if they do n't stop I will get my lawyer to send them a letter and we will take it to court for a law suite
Consumer complaint received 2015-07-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (FL)

We received a trial modification plan which we paid. In XXXX, 2015, our trial modification was converted to a permanent modification. We made our Payments in XXXX and XXXX 2015. On XXXX XXXX, 2015, Statebridge sent us a Notice of Intent to Accelerate our loan, claiming that we were behind {$7700.00}. This is simply not correct. We are current on our mortgage per the modification agreement.
Consumer complaint received 2024-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to follow up on my previous dispute dated XX/XX/year> regarding the blatant errors and discrepancies on my credit report, which you have failed to address appropriately. Despite the 30-day period mandated by the Fair Credit Reporting Act ( FCRA ) to resolve disputes, I have yet to receive confirmation of any corrective action regarding the inaccuracies.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CA)

Experian continues to report inaccurate information on my credit report. I have disputed the name listed on my credit report numerous times & they keep reporting it. This information is NOT ME, HAS NEVER BEEN ME and I 'd like it removed at once. I 'm attaching all legal documentation to prove my legal name ...
Consumer complaint received 2016-08-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ECMC GROUP, INC. (OH)

XX/XX/2006 I filed for Ch XXXX bankruptcy protection. At that time, I owed {$39000.00} for my student loans. When I filed, my loans were transferred to ECMC ( Educational Credit Management Corporation ). Once my loans were transferred, ECMC assessed fees in the amount of {$10000.00} therefore increasing my loan balance to {$49000.00}. My bankruptcy has now been discharged and I am now faced with a loan balance that has increased by XXXX %. I am in need of information as to how and why ECMC can legally assess me with such a large fee simply for taking over my loan and how I should proceed so that I may begin making payments on my loan.
Consumer complaint received 2016-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (VA)

I am requesting the removal of XXXX judgment ( below ) on my Experian credit report due to Civil Case No. XXXX, XXXX XXXX XXXX XXXX Al., v. XXXX XXXX XXXX , XXXX, I did not know the source of their information on this judgement and due to this, Experian has violated the Fair Credit Reporting Act ( FCRA ). Please remove this judgment as soon as possible. 

Judgment Ref. # XXXX Since this is a request and not a dispute, I would like to receive confirmation that this judgment listed on my credit report has been removed within 15 days of the date of this complaint. Your attention to this matter is greatly appreciated.
Consumer complaint received 2017-03-15
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: PLS GROUP, INC (IN)

I got my car back on XX/XX/2017 and my car has been in the shop multiple time with in the last 3 month for the same thing and the issue have not been fix no one has offered me a ride back and forth to work I lost a job because of this car situation and now my car is back in the shop for the same issue and more as of today will mark its XXXX or XXXX time being towed for the same reason. My care is over heating and my transmission is slipping. I called to say asking for all paper work showing proof that these thing were fixed on my car I have put a total of XXXX down and this car and nothing but problems just at the point that I want get my money back and take my business elsewhere.
Consumer complaint received 2015-12-10
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: REGIONS FINANCIAL CORPORATION (TN)

I cancelled an account with XXXX in XXXX of 2013. They did not cancel until I returned any boxes or equipment related to the account. Therefore, I did return it to the local office and they confirmed cancellation. Following that, they charged me {$51.00}, which they took via ACH out of my account. I have followed up on numerous occasions to be refunded. They have sent me a statement every single month for 3 years now, that they owe ME XXXX. NOW, out of the blue, they are charging me for internet service. A service that I do not have nor have I ordered or had in three years. I have absolutely no connection with them other than the fact that they owed ME money. They are taking payments directly out of my checking account for random amounts and on various charges for things I have not purchased or received service for AT ALL. They are literally stealing from me. I want this account disconnected immediately and to be refunded ALL money.
Consumer complaint received 2017-03-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (PA)

I 'VE BEEN GETTING A LOT OF STRANGE JUNK MAIL LATELY, PREAPPROVALS FOR HOME EQUITY LINES OF CREDIT WHEN I DONT OWN A HOME. I HAVE BEEN GETTING AN EXTREMELY HIGH NUMBER OF CREDIT AND LOAN OFFERS AS WELL. THIS WEEKEND I DECIDED TO TRY AN IDENTITY PROTECTION SERVICE, XXXX. I SIGNED IN AND WAS SHOCKED TO DISCOVER THAT MY SOCIAL SECURITY NUMBER HAS BEEN CROSSED WITH SOMEONE ELSES. I HAVE AN ALIAS AND THEIR NAME IS NOT EVEN CLOSE TO MINE. I FOUND COUNTLESS ENTRIES ON MY EXPERIAN CREDIT REPORT THAT ARE N'T MINE. REVOLVING LINES OF CREDIT, MORTGAGES, LOANS, NAMES AND ADDRESSES I HAVE NEVER USED BEFORE AND PLACES I 'VE NEVER LIVED. SOME OF THIS INFORMATION CROSSED OVER ON TO MY XXXX XXXX REPORT AND XXXX REPORT AS WELL. I ALREADY CONTACTED EXPERIAN AND THEY ARE IN PROCESS OF REMOVING XXXX ACCOUNTS AND XXXX PAST ADDRESSES FROM MY REPORT. I HAVE BEEN AT THIS ALL DAY AND I AM SIMPLY EXHAUSTED. I AM UNABLE TO GET THROUGH TO XXXX BECAUSE THEY ARE CLOSED ON THE WEEKEND. I 'M TOO TIRED TO CONTACT XXXX XXXX TODAY. ODDLY ENOUGH, I RECENTLY DECIDED TO PURCHASE A HANDGUN. WELL, I ATTEMPTED TO PURCHASE ONE. I WAS UNEXPECTEDLY DENIED THE PURCHASE BY THE INSTANT CHECK SYSTEM. I COULD N'T FIGURE OUT WHY OR WHAT HAPPENED. MAYBE THIS HAS SOMETHING TO DO WITH IT. I HAVE NO IDEA HOW TO FIX THIS PROBLEM AND I CERTAINLY DID N'T CAUSE IT. I ALSO HAVE NO IDEA EXACTLY HOW DEEPLY COMBINED THIS DATA XXXX UP IS.
Consumer complaint received 2016-09-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (DE)

A two year contract was initiated with XXXX XXXX. After one year the contract was requested to be canceled due to new residency obtained, and the new independent landlord did not allow the XXXX to be placed on the roof of the rental house. XXXX was unable to obtain a signal on the ground of the rental property due to trees around the property. 

Dish was contacted, and after several attempts the Office of the President agreed to remove the early cancelation fee and the additional 12 months of the contract with notification from the landlord that the XXXX equipment could not be placed on the roof. 

On XXXX XXXX, an email from the landlord was provided to XXXX XXXX who was employed within XXXX 's Office of the President. 

Within one week the XXXX box was returned to XXXX via the slip provided from XXXX ( note the name on the slip was addressed to XXXX, not XXXX ). 

Two years later, XXXX XXXX collection letters began from AFNI. Responses to AFNI along with the notification Email provided to XXXX in XXXX XXXX was provided tot he collection agency in XXXX and XXXX. When the third collection notification was received in XXXX, a phone call was placed to be told the debt is valid. 

Subsequent to the phone call to AFNI, a call was placed to XXXX XXXX. After several escalation requests, the Office of the President was reached, where we were informed that the debit is valid and I was notified previously that the landlord had to provide in writing on their company letter head that the XXXX equipment can not be placed on the roof. 

This statement was told to me, two years later for the first time, and is not even a possibility. The landlord is an independent landlord that rents to college students houses she owns independently, not through a leases company. XXXX clearly indicated the early cancellation fee would be removed in XXXX XXXX, and should be held to adhering to their obligation as I held to mine and obtained written notification from the landlord. the {$680.00} comprises of early cancelation fee, interest and late fees.
Consumer complaint received 2015-11-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc. (IL)

On XXXX XXXX, 2015, I entered into agreement with Nationwide Biweekly Administration to handle my mortgage payments on a biweekly basis ( as opposed to monthly ). I was told that this would drastically reduce the amount of interest I would have to pay, and would shorten the length of my mortgage. I have tried repeatedly to contact this company to verify that payments were being made to my lender, but every attempt to contact them ( by phone or email ) has resulted in a dead end. Suspecting that I had been scammed, I have spent the last 3 days attempting to contact customer service at NBA. Every phone number they listed lead me down a path of " technical difficulties '' or " high call volume '' excuses. Not once was I able to speak to a human being. I even entered the phone option to " close my account '' with them, but that too lead to a dead end. How can I put a stop to my relationship with NBA if there is no way to contact them?
Consumer complaint received 2016-03-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

on XXXX/XXXX/16 I mailed a letter to Experian requesting verifiable documents with my signature on them for accounts being reported on my credit report, I did not receive the results or proper notice on the status of my investigation during the dispute process, they also will remove an address on my account XXXX XXXX XXXX that is not my address, also Experian will not remove any inquiries of my report which I did n't authorize any of them, they are allowing companies to pull my credit without my permission specifically XXXX
Consumer complaint received 2015-07-18
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Summit A*R, Inc. (FL)

I saw this doctor in regards to a lawsuit I have, from getting hit on XXXX with XXXX metal bed frames. I have called and explained I ca n't pay due to lawsuit but once my case is settled, he will be paid. It needs to be removed. i have a lawyer working on my case. 
Thank you!
Consumer complaint received 2016-08-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (TX)

I have tried online and in writing.All XXXX agencies have asked Questions about accounts I have or may have had. I have had over XXXX accounts from car loans to mortgages to banks and credit cards which some have changed names over the past 7 years. I have had no credit activity for over 6 years. I am in desperate need for all XXXX credit reports and have run out of options.You can apply for credit with a business with just name and SS # and they can get your report in minutes ( ridicules ).
Consumer complaint received 2016-03-14
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: CIT BANK, NATIONAL ASSOCIATION (DC)

I have a XXXX in my office who appears to be a victim of Reverse Mortgage Scam. He is being billed for XXXX and he states he has never received any money from anyone, that either he is a victim of identify theft or mortgage fraud. I called the company who confirmed he indeed had the debt.
Consumer complaint received 2015-03-26
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: DLC, LLC (NV)

the company dollar loan center somewhere in XXXX XXXX s/d told me they reported to all XXXX credit bureaus. they misrepresented. they only report to trans union when I offered to pay off loan ( small ) they increased the interest 159 %. they are very cut throat and refuse to put me infront of their corp '' hd qtrs. I want to resolve the problem. also wrongful credit reporting to smear me
Consumer complaint received 2015-04-23
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION (GA)

For more than XXXX days, the family of XXXX XXXX, through the Administrator of the estate, has been trying to get the HUD Redemption payoff for her home. Freedom Financial is the lender is intentionally stalling in order to avoid or stop the estate from purchasing the home.
Consumer complaint received 2016-09-26
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (OH)

I used my Chase Bank Credit Card and thought I was charging a {$500.00} retainer fee to XXXX XXXX XXXX XXXX XXXX. What I did not know was XXXX charged a total of {$1500.00} against my charge. XXXX did not represent me in a legal way and was totally corrupt. See the following : 1. Ineffective Counsel, Legal Malpractice, Failed to Render Professional Services with Skill, Prudence, Diligence and Showed Me No Loyalty. AND - 2. Clearly Excessive Retainer, just asked for my credit card ( Chase Slate ) and charged {$1500.00} on XXXX XXXX, XXXX not asking me or telling me how much they were charging. No XXXX hour free consultation after I was told on the phone I would receive XXXX hour free consult. XXXX XXXX, XXXX I shared with Attorney XXXX an hour of issues, gave him about XXXX pages of pertinent documents and also photos. XXXX NEVER took XXXX note. That was a red flag right then and there. When asked for certain documents he was struggling through all paperwork, I had to find what was needed. He did not represent me what so ever, he was never prepared, attached please find XXXX letters I wrote to Attorney XXXX with my complaints and requesting a refund to my credit card. XXXX told me that there should be no problem with this case, he did not know what he was doing, I want my money refunded, XXXX did absolutely nothing to help me. I wrote XXXX XXXX Complaint Letters ( see attached ). A hearing was set for XXXX, XXXX, I was in the hospital and could not attend the hearing. I requested XXXX to postpone the hearing. He told me he could not, the truth is he did not even try. Attached please find XXXX letters of complaint that I sent XXXX telling him all the above, and that I want my money refunded. Even the Credit Card company called him and nothing. I want my money refunded, I had to hire another attorney to represent me, the trial continues to go on, I had to pay Attorney XXXX XXXX, {$500.00} so far, we have been in hearings for 3 full days and another is scheduled for XXXX XXXX, XXXX, I need my money from XXXX to pay XXXX XXXX, XXXX, XXXX can be reached at XXXX. Attached please find a copy of XXXX 's {$500.00} retainer. I wrote to Chase Bank and sent them all XXXX letters, copy of check written to XXXX XXXX, XXXX, THEY WILL NOT REFUND MY MONEY. I NEED MY MONEY CREDITED/REFUNDED FROM CHASE BANK TO PAY XXXX XXXX. PLEASE HELP ME. I had to hire an other attorney that would actually represent me, I need my money refunded from Chase Bank it is on my Chase Bank Slate Credit Card.
Consumer complaint received 2015-10-13
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (MD)

I applied for a Chase Saphire Credit Card on line and included the amount I wanted to transfer from another card. I received a call verifying that I had applied and once the caller identified me and ensured I was the applicant, they told me I was qualified for the card. I was never told the credit limit and since I had indicated the amount I wished to transfer, I did not ask. I received a letter a week or so later stating that around XXXX % of the amount requested had been transfered and that the credit limit was about XXXX % of the total of the amount requested. I called to ask them to reverse the transfer and delete my ever having had this card as I know that any application for credit is shown on your credit history. I also asked why I was not told about the amount of the transfer and credit limit. I was asked if I was told this information and I said no and they told me they would have to look into the matter. In the meantime, my credit rating has dropped almost XXXX points from excellent to fair as a result of the new credit card. I have had excellent credit for a decade having restored it myself from a lesser rating. I have never reneged on my debts nor do I intend to now. I simply wanted to reduce the amount I pay in interest each month so I can pay this debt off more quickly.
Consumer complaint received 2015-03-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Comerica (TX)

The bank erroneously processed credit/ debit in my bank account from a merchant. They are trying to convince me that the amount cancels itself out. It looks ( according to the online ledger ) that I was refunded and then they were given the money back? The amount is for XXXX USD.
Consumer complaint received 2016-11-15
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (MO)

We rescinded a refinance loan with JP Morgan Chase Bank. Chase refuses to refund us our good faith fee for the appraisal. The money was pulled from my Chase Credit Card without my permission. I 've sent emails requesting a refund per the rescission guidelines but I am getting no responses.
Consumer complaint received 2016-02-03
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Go Capital Holdings, LLC (LA)

My XXXX i-35 infinite vehicle was wrecked back in XXXX XXXX. The owner that hit my vehicle his insurance company paid off my vehicle in XXXX XXXX. It was total paid off to the " Go Financial '' company. My name should have been submitted so that my credit score could improve. XXXX XXXX ***********
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have reached out to all 3 credit bureau to update my personal information on my credit profile. I will attached documentation to prove the removal of incorrect information. I also just found out that several inquiries are also on my report that are fraudulent. According to the FCRA section 611 ( a ) ( 5 ) ( B ) it's a violation to insert deleted items back on to my credit.