davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

In XX/XX/XXXX I applied for a home loan but was denied. The reason for the denial was an open but delinquent XXXX student loan account. I contacted XXXX to find out more about this student loan because I was unaware of it, all my other student loans are in good standing. A litigator at XXXX explained to me that in XX/XX/XXXX the cosigner on this student loan filed for bankruptcy and lumped in this XXXX student loan account. Eventually it was discharged in XX/XX/XXXX and the account remained in limbo for several years. I asked to have the account closed and removed from my credit report because I was unaware of this account and didnt have a chance to avoid delinquency. The litigator explained that, after much back and forth, the only option was to have the interest removed during the time the account was in limbo. I did not agree with this result and still requested to have this student loan account closed and removed my credit report. 
While waiting on a response from XXXX I received a collections letter from XXXX XXXX, dated XX/XX/XXXX, ( letter attached ) this company explained that they were attempting to collect a debt on behalf of XXXX but is willing to accept a settlement of {$19000.00} I responded, in writing, letting them know that I dispute the validity of this claim and would like information from the original creditor. While waiting for a response from that collections company I received another letter. This letter was from XXXX XXXX dated XX/XX/XXXX ( letter attached ) this company also said that they are attempting to collect a debt on behalf of XXXX, however they were willing to accept a settlement in the amount of {$7100.00} I responded in writing letting them know that I dispute the validity of this debt and would like information from the original creditor. As of today, XX/XX/XXXX I have received no response from either XXXX XXXX or XXXX XXXX. 
Two separate companies have attempted to collect a debt on behalf of XXXX. Both are requesting different settlement amounts and neither have provided information from the original creditor to support their claim.
Consumer complaint received 2018-05-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (MA)

Barclay 's Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2018-04-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: ASSOCIATED BANC-CORP (IL)

I made a payment to pay off our second mortgage company said no payment was made. I have a receipt for payment from them. 
they took me to court when i produced the statement they dropped the case but did not release the mortage.
Consumer complaint received 2018-04-25
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (WA)

I as a single XXXX female and mother of XXXX was scammed by the process of purchasing a home in XX/XX/XXXX. I got the home inspected and the home inspection passed, however recently found out there was a home inspection prior to mine that failed the inspection on the same house. Now founding out the house was overly assessed and valued, with major concerns of XXXX mold that is causing me and daughters XXXX issues like no other. Major Electrical issues that are fire concerns and foundation issues. I want some to be accountable to this scam. The prior inspect fell and did not pass. 


purchase home XX/XX/XXXX home inspected property in XX/XX/XXXX was determined to have XXXX mold and major safety electrical issues in the home Home stated that heat worked and was not working Safety Issues Foundations issues Major plumbing issues Lack of disclosure from the sell, broker, home inspector Scammed me in purchasing a home that is cause me and daughter to get very sick Lack of Disclosure concerns that is causing me and daughter get sickness XXXX mold
Consumer complaint received 2016-12-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MO)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used t verify the account I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2018-04-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (UT)

I received a letter ( XX/XX/XXXX ) from a collection agency on a credit card judgement filed through the Second Judicial District Court of Utah on XX/XX/XXXX, Case no. XXXX for {$4000.00}. I declared Chapter XXXX Bankruptcy through the Federal Bankruptcy Court in XXXX XXXX XXXX, Utah ( Case no. XXXX ) on XX/XX/XXXX, and the bankruptcy was discharged onXX/XX/XXXX. This is an illegal attempt to collect this debt, as it was discharged in the above referenced bankruptcy, and the statute of limitations ( 5 years ) has passed. The information on the collection agency is as follows : XXXX XXXX XXXX  being represented by XXXX XXXX XXXX, ( A # XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, UT XXXX, ( XXXX   ) XXXX or ( XXXX ) XXXX, XXXX. I called XXXX XXXX onXX/XX/XXXX and left a voicemail message demanding that they cease and desist their collection efforts on this debt because it was discharged in the above referenced bankruptcy and the statute of limitations had well since passed ; and that any attempted to collect on a debt under these conditions is illegal.
Consumer complaint received 2018-04-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (FL)

I applied for a loan through loan Depot on XX/XX/XXXX. I went ahead and did their paperwork and was accepted to do a loan.

After doing all the necessary application, an appraisal was scheduled for XX/XX/XXXX. OnXX/XX/XXXX they emailed me the appraisal which I contested and sent them an appraisal I had done in XX/XX/XXXX that was {$250000.00} more than the appraisal that they got from the company they used. I asked for them to compare the appraisals and see what the problem was because you don't miss something that dramatically. We continued through the loan process I got a survey done at my expense and they sent me a alone estimate on XX/XX/XXXX and everything was fine until a phone call that I received on XX/XX/XXXX stating that they were going to charge me two points for the difference in the appraisal cuz it changed the percentage of loan to debt. I asked him why would they wait so late in the game to tell me that everything was changing instead of doing it back when they got the appraisal. I asked why they waited 3 weeks to inform me that in in the week that were too close that I was going to be charged two points because of their appraiser.. that seemed unfair and a little obvious on their point to wait until the end and I would have to pay them instead of doing the work necessary 3 weeks before to get the problem resolved. I pleaded and ask the guy to get with his supervisor or whoever that was overseeing the loan. He told me that his manager was firm and she was not going to budge an inch which I felt was very unfair to me. The lock rate Runs Out XX/XX/XXXX and so I am basically screwed because of their dropping the ball and that doesn't seem right
Consumer complaint received 2018-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

Experian Credit Report Agency Is reporting this XXXX XXXX XXXX on my account for XXXX. This account is dated XX/XX/XXXX. It should have been off my credit. And on Experian 's website it said the item was to be reported until XX/XX/XXXX. Yet they reported it XXXX XXXX as a negative report on my credit. And it is still on my credit report. If it is set to fall off my report why would they re-report it. And the fall off date of XX/XX/XXXX. Mysteriously disappeared off of Experians Website. This is illegal this item is way past the date it is supposed to come off. Every other credit bureau. Has removed this item except Experian. And I want them investigated this is illegal. And I want this item removed immediately.
Consumer complaint received 2018-04-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/XXXX I received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint on XX/XX/XXXX.

Bank of America called me on XX/XX/XXXX Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXX Bank of America received payment Of XXXX to close the loan. It has 148 days and counting And still I can not prove I own the home I live in
Consumer complaint received 2018-04-08
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

to whom this may concern my identity was stolen and the thief try to apply for several credit cards using my social security number and my name I did not authorize this transaction they have totally ruined my credit score it has  calls such a major heartache on me financially and mentally can someone please assist me and having these removed from my credit this was put on there as a hard inquiry and I would like to have that hard inquiry removed please I would very much appreciate some assistance Creditor Contact Details XXXX  Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Creditor Contact Details Cap One Inquiry XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Creditor Contact Details XXXX XXXXnquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX  XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2018-04-08
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. (MN)

Their company has ignored my request to provide me with documents on their file that they used to verify the account I disputed. ( XXXX XXXX XXXX ) {$0.00} balance ( charge off ) I've written them multiple times, and they still can not verify my account. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2018-04-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (VA)

I have been making over payments on my loan and realize that Navient has been continuously increasing the interest rate. When I started repaying my loan the interested rate was 9.75 % and remain at that rate for a entire year. When I started to make over payments the rate increased to 10 %. I called their customer service and was told that I have a private loan and the company has no control over the interest rate, so they are unable to help me. The rate have been steadily increasing as follows : XX/XX/XXXX - 10.25 % XX/XX/XXXX - 10.5 % XX/XX/XXXX - 10.75 % XX/XX/XXXX - 11 % XX/XX/XXXX - 11.25 %
Consumer complaint received 2018-04-08
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)

XXXX XXXX and myself have been disputing and notifying Equifax of FRAUDULENT activity regarding a hard inquiry by XXXX XXXX on my Equifax credit report via US Ceritifed Mail and electronically to no avail. I am continually receiving generic responses in both electronic and US Mail essentially refusing to remove the hard inquiry or recognize the fact that I'm stating it as fraudulent activity. 

The following are the dates I submitted complaints concerning this matter via US Certified Mail ; XX/XX/XXXX and XX/XX/XXXX. In these communications I have also included responses from XXXX XXXX recognizing the fraud and their diligent efforts to have the hard inquiry removed from my Equifax credit file. The responses from XXXX XXXX were sent via US Mail on XX/XX/XXXX and XX/XX/XXXX and transmitted to Equifax by XXXX XXXX  in addition to the copies I mailed to them. 

The following are the dates I submitted complaints concerning this matter via electronically on Equifax 's website : XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX. Again, I am receiving the EXACT identical generic responses to my concerns. 

It should be noted that XXXX and XXXX immediately removed this hard inquiry once XXXX XXXX  notified them of the fraud. 

( Please Note that I am including all of the aforementioned communications in this complaint with the CFPB )
Consumer complaint received 2017-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

An unidentified vendor has been charging my checking account {XXXX}, every week since XXXX/XXXX/XXXX. I have n't been able been able to identify who the vendor is. On my Bank of America checking account, it just says the following : XXXX ( 4-digit date, i.e. " XXXX '' ) Social Payments XXXX CA ( transaction number, i.e. " XXXX '' ) Please help! I thought this might be for social media, but it does n't appear to be connected to any of the other accounts I currently pay for ( like XXXX or XXXX ). 

Thanks for any help you can provide.
Consumer complaint received 2018-04-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (PA)

Acct # XXXX Chase Mortgage Property address : XXXX XXXX XXXX, XXXX XXXX, Fl XXXX Complains : XXXX XXXX I am trying to reach Chase regarding this Home Equity Loan. I request these twice already. I can not recall any of these transactions. I request copy of paper checks showing my signature. I am only requesting this because I moved many times around Florida and I do not remembered making these transactions. Chase send me a computer screen shot printed but they said that they won't provide additional information because they are unavailable. 
I can not understand why they send me with a XXXX but they do not have proof of my signature on this transactions. I want this to be corrected. Why they are sending XXXX without evidence. 
I am requesting something simple. Why they do not have evidence or prove? Why they are sending a XXXX without evidence?
Consumer complaint received 2018-04-07
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. (PA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX will not address the issue at hand in which is 2 documents that in which 1 is not my signature and the other is not legally binding by no notary signature nor which is binding contract nor the instrument is legally binding. XXXX XXXX XXXXXXXX XXXX has yet to prove my signature is mines in which any one can tell the document is in fact one person signature. 

XXXX XXXX XXXXXXXX XXXX  keeps sending documents not requested and a lot of documents not requested in chines writing. 

XXXX XXXX XXXXXXXX XXXX does not Reply to the issues at hand. There is no legally binding contract or Instrument legally binding.
Consumer complaint received 2018-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In XX/XX/2015 I received a loan from a local place of business called XXXX XXXX. In exchange for my XXXX XXXX XXXX automobile title I was given a loan of {$750.00}.

I repaid the loan with interest in 4 months. Each payment was a money order since this place of business didnt accept checks or cash. Each payment was {$390.00}, which sufficiently paid off the loan with interest.

I continued to get collection calls from XXXX XXXX  after repayment of the loan. The calls became so abusive and originated from around the country that I refused to answer them.

My daughter also received threatening phone calls from a broadband phone located in XXXX, as well as others. She sent me these along with the recorded messages. My daughter is a XXXX   and neither she nor I need to be continually harassed by these collection companies.

I retained XXXX XXXX XXXX to clean up my credit report and noticed several mysterious inquiries, Judgements, and companies claiming that I owed in excess of {$900.00}. Their names include 1 ) XXXX XXXX XXXX  2 ) XXXX XXXX 3 ) XXXX I have never dealt with any of these companies nor have I been made aware that I owed any company this amount. According to the paralegals at XXXX XXXX the above titled companies are claiming that theyre owed a ridiculously high amount of money that could only originate from an illegal predatory loan company.

XXXX XXXX   is the only company Ive ever dealt with that would be considered predatory. Since XXXX XXXX couldnt reach me by phone, they fraudulently charged my checking account XXXX claiming it was for the purchase of an elliptical machine. Im XXXX and would never waste my money on an elliptical machine. I contacted my financial institution and after researching the transaction it was discovered that XXXX XXXX fraudulently, through an electronic transaction withdrew funds from my checking account.

After retaining XXXX XXXX to address my credit issues both my daughter and I began receiving threatening phone calls from collection agencies. I have phone numbers these calls originated from, dates, time ( s ) of these phone calls and the recorded messages that have been left.

Needless to say this is extremely damaging to my credit report. All credit reporting agencies have a record of this predatory loan which has been paid for years. However, my credit report doesnt reflect this and the harassment has gotten very problematic. It needs to be stopped as soon as possible and my credit report needs to have this fraudulent negative item ( s ) removed at once.
Consumer complaint received 2018-04-09
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. (GA)

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX & XXXX   & Experian Re : Fraudulent Accounts and Unauthorized Inquiries To whom it may concern : Be informed that this is an internal dispute and an affidavit. Recently i received a copy of my credit report and I discovered Inquiries i didnt not authorize along with fraudulent accounts. I understand and aware that you should not put an inquiry on my file unless i have approved it and you have my consent. After taking a close look at my credit report I notice so many errors on behalf of your company. I understand that I have been involved in a few breaches that has cause my credit info to be leaked by XXXX, and other companies. I have recently filed a police report against your company for the negligence and i am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries and error accounts removed off my credit file immediately because i did not authorized them and they are fraudulent.

List fraudulent accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX  4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7.

XXXX XXXX XXXX XXXX. 8. XXXX XXXX XXXX  9. XXXX XXXX XXXX XXXX INQUIRIES are uploaded in the attachments.

Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 48 hrs of receiving this letter. I am prepared to file a lawsuit in small claims court where you will be forced to appear. Also be aware that I have sent in return receipt signature for pervious certified letters. Ive sent certified letters and I have records on file of the certified letters. I am keeping it as evidence when we appear in court. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely XXXX XXXX XXXX Witness : XXXX XXXX Witness : XXXX XXXX
Consumer complaint received 2018-04-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA) (TX)

On XX/XX/2018 I received an alert from my credit monitoring that this collection account popped up on my credit report. I have never done business with this company nor do I have a contract with this company. I, as a consumer, have rights under the FDCPA that the FTC enforces. This collection agency has never contacted me in writing to VALIDATE not VERIFY this alleged debt. This collection agency just appeared on my credit report and I have the alert to prove it. If this company does not follow the law properly I will have no other choice but to contact my Consumer Rights Attorney and sue this company. If I owe any company money it must be presented according to the law and popping up on my credit report out of the blue is not according to FDCPA laws. I have never received anything in writing from Receivables Management Group., I have never been given the opportunity to dispute and request validation as FDCPA states I have the right to do. THIS IS A CLEAR VIOLATION OF Receivables Management Group illegally placing information on my credit report without my consent, knowledge or written authorization as required by the FCRA. I have also contacted my consumer rights attorney who is with the law firm XXXX XXXX XXXX. I have never been given the right to dispute. REMOVE YOURSELVES IMMEDIATELY OR I WILL INITIATE A LAWSUIT FOR VIOLATION OF THE LAW.