davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-10
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Fidelity Services, LLC (CA)

Company is trying to collect on a debt that is over XXXX years old. IN CALIFORNIA, THE PERIOD TO COLLECT ON A DEBT IS 4 YEARS. I AM XXXX YEARS OLD AND ON A FIXED BUDGET
Consumer complaint received 2022-02-10
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: ENCORE CAPITAL GROUP INC. (IL)

I have several items that are reporting negative on my credit report in which I have done the following : XXXX ) .XXXX  - showing negative reporting in the amount of {$3200.00} - spoke with their recovery department and was advised that this item was zero in their system and had no idea why the credit bureaus were reporting it XXXX ) .XXXX XXXX XXXX {$2700.00} spoke with their collections and was advised this item is no longer in collections and was removed XXXX ) XXXX XXXX - {$37000.00} - spoke with their recovery department and was advised this item is not in their system. 
XXXX ) .XXXX XXXX  - {$1900.00} - spoke with them and they advised me that I do not any accounts that are in a delinquent status no did I have a account in a delinquent status. 
XXXX ) XXXX XXXX XXXX XXXX {$3200.00} - this is same XXXX XXXX XXXX for {$2700.00} thats is reporting negative on my credit in which it should be removed! 
The item above are ruining my credit and my chances of trying to buy me a home.
Consumer complaint received 2022-02-09
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSWORLD SYSTEMS INC (TX)

TRANSWORLD SYSTEMS INC XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX I have asked TRANSWORLD SYSTEMS INC on several occasions to please stop calling threatening and harassing me about the two alleged accounts. They keep telling me that I owe them two debts in the amount of {$300.00} and another amount of {$730.00} for two separate accounts that I have no knowledge about. and it is really stressing me out at this point in my life & mentally affecting me at my job and making me depressed. i have not discussed or negotiated any type of contract with this company nor permission to use my signature whatsoever & I have never agreed to do any type of business with this company. 

Thanks!
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.Based on,15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2022-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

I have received a text claiming to be from XXXX adding a XXXX person. And another text about forgotten password. 

I have closed my accounts with XXXX a couple years ago. 

I also had someone use my information to file for unemployment at 2 jobs.
Consumer complaint received 2022-02-10
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: Verisk Analytics Inc (TN)

Verisk/Financial / LCI is XXXXncorrectly reporting an erroneous chapter XXXX bankruptcy on my credit report to XXXX XXXX and XXXX ( XXXX XXXX XXXXs ). Verisk/Financial /LCI maintains the United States Bankruptcy Court of Middle Tennessee has reported and verified information to them on this alleged bankruptcy, however, Ive contacted the court and they confirmed they DO NOT report any info regarding case filings to any credit reporting agency or third-party data furnisher. XXXX XXXX, XXXX XXXX XXXX have ALL deleted the erroneous chapter XXXX bankruptcy from my credit file due to the discovery of my identity being compromised last year, while Verisk/Financial / LCI has refused.
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP (NC)

On XX/XX/2022 I applied for a credit card with US Bank requesting a credit of {$25000.00} to take advantage of twenty one month no interest to pay several high interest rate loans. I removed the block on the credit reports. On XX/XX/2022 I was approved for {$7200.00}. I called US Bank several frustrating times using multiple numbers or a two day period. I endured at least twenty minutes before speaking with a live agent. When I finally spoke with a live agent I explained to customer service then again to its underwriters that my credit score at the time was around XXXX with a perfect or excellent pay history. {$7200.00} is not enough to pay the debt. I was told I need to ask for a credit line increase maybe and my credit report had to be pulled again. I submitted over the phone another application and my credit were pulled and US Bank was denied access because I have a block on my credit reports. Now US Bank denied a credit line increase because it could not access my credit report. No information has changed since the last credit inquiry a few days ago and as it is common knowledge credit report inquiries reduces the credit score. US Bank has the refused to restore the points by removing the inquiry or increase my credit line.
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY (NY)

I have been victim of identity theft. TD Bank has opened multiple accounts under my name and address with different account numbers. I did speak to their fraud department and they were supposed to close all associated with my name. I can not get back in touch with them. New accounts keep coming via the mail.
Consumer complaint received 2022-02-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have new information regarding an open complaint CFPB COMPLAINT # XXXX I received a letter in the mail today XX/XX/XXXX. Letter dated XX/XX/XXXX. This consumer reporting agency will not honor my request on a reinvestigation. Experian is telling me the information have been verified. I demand the following information ( name, phone number, and address ) of the person that verified this account and also what information was given to verify these accounts. 
Experian is telling me to reach out to the furnisher. I have the right to get a description of procedures pursuant 15 USC 1681I ( a ) ( 6 ) specifically ( 6 ) ( b ) ( III ). I demand this information immediately. This information should have been sent 15 days from the request pursuant to 15 USC ( a ) ( 7 ). Just a reminder you only have 30 days to investigate this situation, or it must be deleted. Only I can extend it. Which in this case I WILL NOT. You are using a stall tactic to prolong this situation. You are running out of time. If you need a little guidance on the time frame you have refer to 15 USC 1681I ( a ) ( 1 ) ( a ), ( b ), and ( c ). I will not do your job for you.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

It is absolutely impossible to speak with a person from the Experian credit reporting company. The only way one can interact with them is over the phone with a computer that is not helpful. There is no option to send an email, and when I ask to speak with an agent the computer responds " I understand you want to speak with a specialist but this is possible in limited circumstances, how can I help you today '' and starts iterating me over options which are not helpful to me. I trued to speak with a person a whole afternoon, and called a dozen times and was not able to. I suspect that someone else is using my user name with experian and I was not able to talk to anyone from the company.
Consumer complaint received 2022-02-09
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. (FL)

I have already submitted the FTC report to you and you removed the item but its back on my report. Please review your records. # FTC XXXX
Consumer complaint received 2022-02-10
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. (NY)

ACCORDING to 15 USC 1681b ( 2 ) STATES YOU HAVE TO HAVE WRITTEN CONSENT FROM I THE CONSUMER TO EVEN FURNISH SOMETHING ON MY REPORT THAT IS IDENTITY THEFT .... Any Negative marks need to be deleted ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THERE SHOULD BE NO INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ALL TRANSACTIONS BETWEEN I AND XXXX XXXX SHALL BE DELETED PURSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH results FROM IDENTITY THEFT
Consumer complaint received 2022-02-10
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. (NY)

ACCORDING to 15 USC 1681b ( 2 ) STATES YOU HAVE TO HAVE WRITTEN CONSENT FROM I THE CONSUMER TO EVEN FURNISH SOMETHING ON MY REPORT THAT IS IDENTITY THEFT .... Any Negative marks need to be deleted ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THERE SHOULD BE NO INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ALL TRANSACTIONS BETWEEN I AND XXXX XXXX SHALL BE DELETED PURSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH results FROM IDENTITY THEFT
Consumer complaint received 2022-02-10
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. (GA)

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : {$1100.00} XXXX XXXX  : XXXX -- -> : {$250.00} XXXX XXXX XXXX : XXXX -- XXXX : {$3600.00} XXXX XXXX XXXX XXXX XXXX -- > {$2200.00} XXXX XXXX XXXX XXXX XXXX -- > {$140.00} XXXX XXXX XXXX XXXX : XXXX -- > {$3100.00}
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

I tried submitting a payment for my entire bill a total of 5 times ( see attachment ). Each time, Synchrony Bank has rejected my payment. Upon reaching out to this lender, I was told it was because I have not yet activated my card, which I haven't received after months of waiting. 
At this time, I consider that these are abusive practices and I want to pay my bill in full.
Consumer complaint received 2022-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Problem with XXXX/Loancare servicing. 
I have a NON-escrowed mortgage for most taxes and insurances ( only flood is required to be escrowed ). This servicer received a regular COPY of the windstorm insurance bill and decided to pay it without communication with me. Added it to my escrow without my consent. Since I was not aware, I tried to pay the bill with my insurance company and was told I was fully paid. Six months later I receive an escrow analysis statement with the prior payment, resulting in a large shortage in my escrow account. They also ADDED the future renewal to my escrow account creating a further shortage and dramatically increasing my required monthly payment. I spoke to the servicer 3 times about the error. They acknowledged the error. They promised to correct the error. After a month and a half of this back and forth, they still have done nothing to correct. The increased payment was due XX/XX/XXXX. I did not pay it. I have decided to payoff the mortgage. Today is XX/XX/22. 
I requested a payoff online on XX/XX/22. My request shows on their website. It says expect in 1-2 days. I CALLED today and spoke to a representative who said a supervisor would send me a payoff within the hour. No payoff forthcoming. I have already sold securities to pay this loan off ( that is how frustrated I am ) resulting in a large capital gain expense. The " service '' from this company is unacceptable and abusive. They tell customers what they want to hear just to get them off the phone and then do nothing. Not to mention the difficulty just to get to speak to a person.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

There is a consumer report from Chexsystems which states an account from XX/XX/XXXX is reporting on my consumer report. This account remains on my report and has been stated by XXXX XXXX, assistant vice president of XXXX XXXX  stated on XX/XX/XXXX verbally that this account with this account number is not a valid number or valid account with XXXX XXXX  and has never been an open or valid account. This account number XXXX therefore is incorrect and should not be on my consumer report considering the bank reporting the account confirms it is not a valid account and is not from them.
Consumer complaint received 2022-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

I received a text message in XXXX that I had a balance due on my Citi Bank credit card ending in XXXX. I paid the card off and had a {$0.00} balance. I looked at my account and there were 15 charges occurring from XXXX totaling an amount of {$530.00}. I immediately called the credit card company and reported the charges as fraudulent. They removed one of the charges to XXXX XXXX XXXX XXXX for {$11.00}. I further disputed the case sending them documentation were I work and I was working in a city 3 hours away on those dates. I am still going back and forth with the Citi Bank credit division. I filed a police report with XXXX Police Department, XXXX, TX. Report # XXXX with XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (IN)

XX/XX/XXXX- Rocket Mortgage ( RM ) effectively doubled our supposed tax liability, began collecting from us accordingly & did not respond to my request for explanation. 
XX/XX/XXXX - Through my own research I determined RM had attributed a parcel to us that was not deeded to, billed to, mailed to, or paid by us. The bill for that parcel was roughly {$18.00} annually, but RM used it to nearly double our approximate tax bill of {$6400.00}. I provided documentation & a complete explanation of my findings to RM. 
XX/XX/XXXX - I learned RM had paid the aforementioned misapplied tax bill ( which, again, was in no way affiliated with us ) from our escrow account. It had not, in fact, been removed from our escrow account THREE MONTHS PRIOR despite the documentation and information I provided. I reached out to RM again & was told the misapplied parcel had been removed, but somehow reassigned to our account. 
XX/XX/XXXX - I finally received confirmation the misapplied parcel had been removed from our escrow analysis with no explanation as to how it was applied in the first place FIVE MONTHS PRIOR. 
XX/XX/XXXX - I received an unexpected large escrow refund from RM, logged in to my countys property tax website and found RM had FAILED TO PAY the taxes due XX/XX/XXXX. I was later told that the due date of our annual property tax bill had been entered as the MATURITY DATE OF THE LOAN. 
XX/XX/XXXX - RM made payment of our delinquent tax bill, but failed to pay the entirety of the late penalties assessed. 
XX/XX/XXXX - I emailed yet another copy of the tax bill & late payment penalty policy to RM & requested the remaining penalty be paid. 
XX/XX/XXXX - The balance of the late payment penalty REMAINS UNPAID and our tax bill continues to show a past due amount, attributed solely to RMs negligence in managing our escrow account. 
Dating back to XX/XX/XXXX, I have repeatedly requested contact from representatives within the tax and/or escrow departments and begged for someone in leadership to take notice and ownership of these repeated debacles. I was never granted any of these requests, always being told no one in those departments is customer facing. My single point of contact over the last 15 months has been professional and apologetic, but only able to assist to the extent RM allowed him, which appears to have been limited to simply forwarding my emails to others and waiting for an eventual ( if any ) response. The amount of time & effort I have had to expend personally researching, identifying, documenting & requesting correction of multiple RM errors and the refusal of anyone within the company to address or take ownership is inexcusable. The likelihood that mistakes like these are happening throughout the organization to unsuspecting borrowers is great and should be of huge concern to all.
Consumer complaint received 2022-02-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by the Scammer, all of which aim at contributing to the goal of robbing and defrauding innocent people. 
Money was transferred from my account via debit card, and through an intermediary named XXXX XXXX, XXXX, XXXX in the total amount of XXXX USD
Consumer complaint received 2022-02-09
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: JPMORGAN CHASE & CO. (TX)

Received a letter in the mail dated XXXX XXXX, 2022, my co-signor on the private student loan received the same letter stated that my student loan was in default and need to be completely paid. by XXXX XXXX 2022 or lawsuit would start. The address on the return address does not exist according to XXXX XXXX, nor does the company name seem to exist. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX My loan is serviced through XXXX and I have contacted them. XXXX stated that they are not foreclosing on my loan and have no information about this letter. The original loan was with XXXX XXXX XXXX XXXX XXXX, c/o JPMorgan Chase Bank XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX they referred me back to XXXX. Do you know if this is a scam to try to get me to pay full amount of the loan.
Consumer complaint received 2022-02-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

I graduated in 2004 with a student loan debt of a about {$30000.00}. I have never held a job related to my career and end up paying out of my paycheck every month an amount I could not afford to pay. I called Navient several times to lower my monthly payments but I would have end up making more payments in the end. I have had a deferred payment which allowed me to stop a few payments to only moving those payments to the end of the debt. I would like to get a forgiveness student loan since I have paid for more than 18 years. 

Thank you in advance
Consumer complaint received 2022-02-09
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: Experian Information Solutions Inc. (VA)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.