davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-04
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (OH)

I was notified by a credit monitoring service that a new collection was placed on my credit report on XXXX/2017 by Midwest Recovery Systems. I have never received information regarding the account or the pay day loan Midwest Recovery Systems are attempting to collect. Midwest Recovery Systems failed to allow time to dispute the debt prior to reporting to the credit agencies.
Consumer complaint received 2021-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I have spoken to five people at their offices who it appears cant handle anything. 

The account that was opened in my name is fraudulent. 

XXXX Received first bill From Citizens One XX/XX/21 - Received notice unable to approve application XX/XX/21 - Received second notice of past due payment XX/XX/21 - Went to Citizen Bank in XXXX NY Spoke to bank employee, she did mention this was the second one she had seen. I showed her all the paperwork I had received for this issue and she immediately called her home office and put me in touch with someone to discuss issue. This person transferred me to their fraud department. Spoke to a person there about what they will do. They wrote up a ticket, XXXX and stated I should contact the three credit bureaus about this issue, which I did. She told me I would be mailed some paperwork to fill out, I have never received it. She then stated I did not have to take any further action. 

Now I am receiving automated late payment calls. Ten calls to date. 

On XX/XX/21 I received another collection message and after being on hold for 30 minutes I called the number that was at the end of the collection message. I have the recordings of everyone I have talked to. I called that number and was on hold for 20 minutes. Someone finally answered and I was asked why I called this number. She looked at the fraudulent account that was set up in my name and did see a note that I had called about it being a fraud. She transferred me to another number, Im assuming it was their fraud department again. This person told me the paperwork was sent a week ago, I stated I have not received it. She then asked me if they could email it to me. I gave them my email address. I asked for the calls to stop and was told these are Auto generated calls, well heres a novel idea, get on your computer and stop it! 

I called again on XXXX and was told they would send me the paperwork via email, again. 

XX/XX/21 Have not received the email or mail for the paperwork they were to send me. 

I do not want this to get to my credit reports. 

I have made contact with XXXX with the account number and asked if they could tell me where the items were sent. They emailed back and said i need to get a police report. Going to work on that. Citizen One could have done the same thing if they contacted XXXX. 

I have also notified the three credit agencies. 

No one has followed through at Citizens One.
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

There are several issues regarding the reporting on my credit file on all three of the Bureaus reports. These misreported items have made it impossible for my XXXX XXXX to get a loan to purchase a new building which we are in desperate need of. XXXX has also re-reported old information which affected my score in a very negative way and then it took months to have it removed after I had already paid an attorney to help me remove it the first time. I have no outstanding debt and always pay everything on time yet my credit score is below XXXX. 

In in XXXX of XXXX a charge-off from XXXX XXXX XXXX was reported. It shows as a derogatory mark, this is misreported. In fact The debt to my second mortgage was forgiven and I have documentation to prove that ( see attached ) In XXXX of XXXX a closed Mortgage account was reported. It states that the account was 120 past due. The account was closed with a XXXX balance because the home was sold, however the manner in which it was reported shows it as derogatory. The home was sold in a short sale and I have documentation that shows that I made all of my payments on time as directed by the bank, some payments were stopped during the sale. 

On XXXX XXXX I received an alert from XXXX that there was a change to my credit report. 
To my horror I saw that they had reported an old tax lien and it was back on my credit report. I had actually paid off the IRS and paid a lawyer to help me remove this item from my report it was removed successfully so when I saw that XXXX had put it back on I immediately contacted XXXX. I was not able to get anyone on the phone and disputed the error via the internet.
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (OH)

XXXX XXXX case which is stated to be closed. However, I have not had any resolution with Lexis nexis. I have requested Lexis Nexis to correct my report. Currently my data is combined with another individual. I am XXXX XXXX XXXX from XXXX Ohio, XXXX XX/XX/XXXX SS ending XXXX. My report is combined with XXXX XXXX XXXX of Oklahoma. completely separate SS #. This is the third request. I do not feel that it is that difficult to have this corrected. Lexis nexis sent a letter XX/XX/XXXX stating could take up to 60 days and it is now past that period. This matter is NOT CLOSED and NOT COMPLETED to my satisfaction.
Consumer complaint received 2017-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I scheduled my HOA dues payment to be delivered on the XXXX of XXXX got confirmation from my bank that they will deliver the payment on the XXXX. They debit my account on the XXXX, but did not deliver the payment until XXXX. I was charged {$18.00} I have called my bank and they started to investigate they say they will call me and they did not. I faxed my complaint and have not received a response.
Consumer complaint received 2017-12-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

I am seeking assistance in regards to my mortgage with SPS. I have a potential short sale that we would like to complete with the lender SPS. I initially reached out to them on multiple occasions seeking assistance and was advised that they had placed a sale date on the file for XXXX/XXXX/XXXX. I immediately advised my financial adviser that they were unwilling to help with getting a loan modification approved in order to keep the property. My adviser stated that we should submit a formal compliant as I was never served with any notice of foreclosure sale paperwork. This property has been in my family for multiple generations and has become a family heirloom. I worked together with the lender on submitting multiple completed loan modification packages with all financials, addendum 's, forms and contracts needed in order to complete a formal review but was subsequently denied. We are asking that provide us with a 45-60 day foreclosure stay in order to allow for a complete review to go through as we do not wish to have a foreclosure on our record. Our family has gone through enough hardship and this is something that will potentially break us apart. Please help us obtain postponement in order to allow enough time to complete a short sale review as my property was listed for sale on XXXX XXXX, XXXX in preparation to complete a short sale on my property as it is simply no longer worth what I owe the mortgage company.
Consumer complaint received 2017-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I try to make a purchase with my capital one credit card however the purchase was not approved. I called capital one and explained it. They said it was a restriction on my card however if I made a payment the restriction would be lifted. This is not true because they still have not removed the restriction despite that I have made the necessary payments.
Consumer complaint received 2017-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

HI, I was trying to make a payment with CapitolOne credit card for {$110.00} dollars on XXXX/XXXX/XXXX and the company processed a payment for {$110.00} and {$100.00}. I never authorized a payment to be processed for {$100.00}. I asked to have an automatic payment started next month but the agent started it that day. I tried to speak to them the next day when I seen it post on my account. The issue was not resolved at that time and it has not been resolved yet and the money was taken out of my account.
Consumer complaint received 2017-12-06
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. (TN)

My credit score recently showed a significant decrease, so I ordered a credit report from all three credit reporting agencies. TransUnion shows 10 adverse accounts that are in collection status on my credit report that arent my accounts. Reading the report further, I discovered that TransUnion also added a new name to my credit report. That name belongs to my son, as do the collection accounts on my report. No effort was made by TransUnion to verify that this bad debt was even mine before placing it in my credit report. It is obvious that TransUnion received some information regarding a bad debt for someone with a similar name, using my mailing address and then took it upon themselves to just assign me an alias and the bad debt. No effort was made to verify the information being placed in my report was actually mine. Is there no such thing as due diligence when conducting such a transaction? I called TransUnion today, XXXX to address this matter and after having to explain the problem multiple times, was told that they will look into it and for me to check back with them. They would provide no reference number or claim number to assist me and stated that I just needed to call the regular customer service number to check the status after 5-15 business days. The last person I spoke with refused to let me speak with a supervisor or provide me an alternate number where I might reach a supervisor. The manner in which this information even got on my credit report is cause for great alarm. If the credit reporting agencies arent using more care and diligence than has been demonstrated in this scenario, they should not be able to operate. These reports have a serious impact on consumers livelihood and should be protected against trashy input from the company that is storing and providing reports.
Consumer complaint received 2017-12-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Northstar Location Services, LLC (MA)

I am actively working with a credit repair company ; all my debts have been and are currently being regrouped watched and monitored by that company in order to bring the debts down and to make the creditors compliant in both their communication tactics and their reporting accuracies. The company that called me at work today did not go through the proper channel or proceeding ; they sounded recognizably so, very predatory and threatening. I do not want anymore calls from them. They also should go the mailing route first or the email route before targeting phone numbers. 

Call came from XXXX Company Info : XXXX ) XXXX Northstar Location Services , LLC 16 years in business XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (NC)

Ditech Financial LLC has been reporting since X/2014 that I have an open account with them # XXXX which I have never had and they are coding to my credit report as this being a XXXX. I am trying to refinance my current mortgage and ca n't because this is on my XXXX credit report. XXXX  and XXXX credit reports are correct. I have contacted Ditech Financial LLC on numerous occasions and XXXX and just keep getting a run around, their employees are also very rude when you ask about these fraudulent claims on my credit report. I just ca n't believe Ditech Financial LLC and XXXX are allowed to put these bogus fraudulent claims on my credit report and have been doing it for years. This should be a crime and they should be punished for taking advantage of their customers. Please help me. 
Thank you, XXXX XXXX
Consumer complaint received 2017-12-04
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Equitable Acceptance Corp (NY)

I reached out to equitable acceptance corporation and they let me know they could help me get me student loans consolidated and forgiven. They did not indicate I did not qualify for a forgiveness plan or tell me they were going to be charging me {$49.00} a month for a service that was not helpful. This is a deceptive practice and one that I see many other people have filed complaints for. This company is deceptive and giving wrong information by praying on people 's desire for student loan relief. I do not trust them and I want to have any contract they state I have revoked.
Consumer complaint received 2017-12-01
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. (CA)

There are several issues regarding the reporting on my credit file on all three of the Bureaus reports. These misreported items have made it impossible for my XXXX XXXX to get a loan to purchase a new building which we are in desperate need of. Equifax has also re-reported old information which affected my score in a very negative way and then it took months to have it removed after I had already paid an attorney to help me remove it the first time. I have no outstanding debt and always pay everything on time yet my credit score is below XXXX. 

In in XXXX of XXXX a charge-off from XXXX XXXX XXXX was reported. It shows as a derogatory mark, this is misreported. In fact The debt to my second mortgage was forgiven and I have documentation to prove that ( see attached ) In XXXX of XXXX a closed Mortgage account was reported. It states that the account was 120 past due. The account was closed with a XXXX balance because the home was sold, however the manner in which it was reported shows it as derogatory. The home was sold in a short sale and I have documentation that shows that I made all of my payments on time as directed by the bank, some payments were stopped during the sale. 

On XXXX XXXX I received an alert from Equifax that there was a change to my credit report. 
To my horror I saw that they had reported an old tax lien and it was back on my credit report. I had actually paid off the IRS and paid a lawyer to help me remove this item from my report it was removed successfully so when I saw that Equifax had put it back on I immediately contacted Equifax. I was not able to get anyone on the phone and disputed the error via the internet.
Consumer complaint received 2017-12-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC. (MA)

Account # XXXX Ally Bank XXXX XXXX XXXX was turned in early on XXXX/XXXX/XXXX with a full maturity date of XX/XX/XXXX1. ) dropped off and filled out lease retun with XXXX XXXX in XXXX, MA. Dealer never returned paperwork to Ally. I provided copies to Ally 3 weeks later after calling 2. ) I  received a final bill for wear/tear inspection on XX/XX/XXXX for {$310.00}. I paid on XX/XX/XXXX and was cashed on XX/XX/XXXX. Check # XXXX 3. ) I purchased a new lease and the dealer ( XXXX XXXX XXXX, Associate name XXXX ) and the return debt for the XXXX lease was {$2000.00}. This was confirmed with both myself and new sales man. 
4. ) I have reached out to Ally on three occasions asking to settle and finalize the {$2000.00}. XXXX. They all state account is closed nothing owed. 
5. ) On XX/XX/XXXX I received a credit alert impacting my credit from Ally Bank for a debt of {$3000.00}. 
6. ) the amount is incorrect on all accords and the company states I owe XXXX. Nobody can resolve and my excellent credit has now been tarnished
Consumer complaint received 2017-12-04
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. (GA)

The school I was going to was a waste of student loans. The school was not teaching everything needed they only wanted the money. I graduated from the school but it has been very hard to find a job in my profession due to the lack of knowledge that was paid for but not taught.
Consumer complaint received 2017-12-06
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (VA)

My son gets his SSI money loaded on to a XXXX XXXX XXXX card monthly. Everything had been going smoothly for about 2 years. In XXXX he went to make a purchase and found he had insufficient funds. He had charges on his card that he did not make. XXXX XXXX, XXXX, there was a charge for {$49.00} and {$1.00}, then on XXXX XXXX {$0.00} all from the same company that we have never heard of. We tried to contact XXXX XXXX XXXX repeatedly and the message kept saying they were experiencing heavy call volume. When we finally got through they said we had reached their customer service desk and that they would transfer us to someone to file a claim but we kept getting hung up on. My son is XXXX and he ca n't always say what he needs to due to XXXX and XXXX XXXX XXXX. I attend to all of his business but when I was trying to talk to XXXX XXXX they threatened to hang up the call if I spoke again. So I had to watch my son XXXX XXXX XXXX with them and the matter still did n't get resolved. I contacted Social Security about the manner and they said they could do nothing about. I requested his check be sent in the mail but they said I had to go into the branch but before I could get in I took ill. So on XXXX XXXX, XXXX, his card was struck again for {$670.00} and {$20.00} again from an unknown company based in XXXX. We had to leave our groceries at the grocery store and run to the nearest Social Security Administration and we sat from over 3 hours only to be told there was nothing they could do and that it was the same as if I got robbed after being paid by someone else. They did their part and it was between him and XXXX XXXX who we can barely get through to and after we get through to them it says call back at a later time once we are transferred to the complaint department. We ca n't pay our bills ... what should we do?
Consumer complaint received 2017-12-04
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. (TX)

I 've filed multiple CFPB complaints against Equifax for reinserting over and over the same erroneous " XXXX '' inquiry ( see provided attachment ) back on my credit report. Not only did Equifax reinsert this fraudulent information, they reinserted the inquiry three ( 3 ) times as shown in the one attachment. When Equifax removes information per a complaint it takes only a few months for the same erroneous information to show back up despite multiple CFPB complaints and removals.
Consumer complaint received 2017-12-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stellar Recovery, Inc. (CA)

I was a victim of fraud and because I was I did all I could to request discovery. My requests were intentionally disregarded and now I have seveal collections on my account without sending me validity of debt or discovery Ic system account ( XXXX XXXX ) debt amount N/a XXXX ( XXXX XXXX ) owing {$720.00} XXXX ( XXXX ) owing {$1000.00} XXXX ( XXXX ) owing {$330.00} Stellar Rec ( XXXX ) owing {$1200.00} XXXX XXXX ) owing N/a
Consumer complaint received 2017-10-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (WA)

I have made 3 separate attempts to request modification of my adjustable rate mortgage loan, that keeps going up. I am struggling to make the payments and Chase has refused to help or support me in any efforts. The adjustable rate continues to rise and Chase has no concern to help me in this matter. Once again, I have requested loan modification 3 separate times. As a XXXX I feel that Chase is taking advantage of me as a predatory lender. I have never missed a payment nor have I ever been late, but I am struggling and I fear that I may lose my home and go into unfair debt. I request that Chase immediately place me on a lower fixed rate. On todays date, I spoke with Chase employee XXXX XXXX with the Chase XXXX service department.