davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RentDebt Automated Collections, LLC (OH)

Hi, I cosigned for my brother to live at XXXX XXXXXXXX XXXX in XX/XX/XXXX. He had made all payments for his rents, and when it was time to move out, he made the final payment requested. We talked with XXXX at the apartment office and she told us our {$200.00} caution will be used in case my brother got charged for leaving before the end of the month.She even recommended that my brother rent from one their sister apartments in Indiana where he was moving because he had been in her own words a " good tenant '' My brother moved out of XXXX XXXX on XX/XX/XXXX. To my shock and horror, in XX/XX/XXXX, I got a collections on my credit from a debt collector called rent debt, stating my brother was owing {$270.00} when he moved out. We had received no letter informing us of the debt nor had we received any request for payment from XXXX XXXX. None of our calls to XXXX XXXX have been returned for clarification. The creditor on my report is showing up as XXXX XXXX, a company I have never done business with. It was only after requesting a debt verification from rent debt collections that I realized the company involved was XXXX XXXXXX/XX/XXXX.The worst part is this false collections reporting has dropped my otherwise stellar credit score by over 90 points.All attempts at disputing the debt with rent debt have been futile. They claim the collections can only be taken off my credit report if XXXX XXXX confirms with them the account is not delinquent. I will like for XXXX XXXX to accurately report my account status to rent debt or at least request the alleged debt from me and give me a chance to pay it before taking such a drastic and punitive step of destroying my credit, and therefore my livelihood. I do not think it is common practice in the industry to send account to collections within a month of being owed and without requesting payment from the consumer first. How can i pay a debt i do not even know i owe? I will really appreciate your intervention, to help with the quick resolution of this matter with XXXX XXXX XXXXXX/XX/XXXX and rent debt automated LLC. Thank you.
Consumer complaint received 2018-08-22
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Risecredit, LLC (OH)

I got a payday loan a few weeks ago for the amount of {$1500.00}. 

I was told that if I pay off the loan then whatever the CSO fee balance would have been would be eliminated. I was told this twice on the phone by a customer service representative before I even applied for the loan. 

I paid off the loan today - the website along with a customer service representative 's confirmation indicated that the balance was approximately {$1400.00} if I wanted to pay the loan entirely off. I paid this entire balance off. However, once I did this, the place on the website where it showed that all I had to do was pay this to pay off the loan was no longer showing this. Furthermore, there is another place on the website where the balance is in the 2,000 's still showing the balance with the CSO fees. They also still have the same remaining payments scheduled from my account that were scheduled before I made this payment. 

It is unclear what the payday loan company is trying to do. I feel like they are trying to collect more than what they promised. I have attached evidence of where it states that all I had to was pay {$1400.00} to pay the loan in addition to a record of a payment for this same approximate amount. Furthermore, I have attached the page showing the higher incorrect balance. They are trying to intentionally confuse me so they can collect a higher amount - this is how it feels like. All I want to do is move forward and not pay more than we agreed on. This is worse than if a thief broke into my home.
Consumer complaint received 2018-08-22
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.Q. DATA INTERNATIONAL, INC. (NC)

IQ Data International is the collection agency that was retain by XXXX XXXX XXXX XXXX XXXX the say i old a balance of XXXX dollars which is incorrect i am tired because XXXX XXXX XXXX XXXX  compromise my information and file a eviction on me in this XXXX this year i have attached all of the court documents
Consumer complaint received 2018-08-22
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. (HI)

I called customer service from TransUnion and they refuse to take care of the credit inquires that were unauthorized. I called the creditors and said it doesn't show on there end and it's the error with transition since it doesn't show that they pulled my credit on their end. I believe I am a victim of there inquires issues. I asked if I can dispute it and said they don't have a dispute process like the other credit bureaus that you can call or dispute online wrong information on your credit report.
Consumer complaint received 2018-08-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (AZ)

The Chase-Direct Non-Prime Lending Center was established in XX/XX/XXXX, in the Chase Manhattan Mortgage Corporation ( CMMC ) branch at XXXX XXXX XXXX, XXXX XXXX, PA XXXX ; as a direct-marketing mortgage lending center, dedicated to originating non-conforming, subprime and Alt-A conventional home mortgage loans. This non-prime lending center ( aka : subprime lending boiler room ) was manned by teams of quasi-independent mortgage brokers known as Chase Lending Specialists, who specifically-targeted XXXX Americans, and other economically-disadvantaged consumers, residing in urban MSAs/MDs. After these so-called lending specialists originated non-conforming/subprime mortgages, they were immediately sold to other JPMorgan Chase and Company affiliates ; who subsequently securitized these metamorphosed-mortgages into bogus RMBS Certificates, that were then sold to unsuspecting GSEs, financial institutions, and private investors. This dubious, two-tier mortgage loan origination process, sanitized/cleansed these non-conforming loans by deleting geocoding information ( i.e., MSA/MD, state code, and Census tract ), as well as : rate-spread/subprime interest rates, racial/ethnic demographics, HOEPA status, lien status, and other factors, that identified these loans as non-prime mortgages, rather than prime mortgages. This subprime lending boiler room was operated by three JPMorgan Chase and Company ( JPMCC ) subsidiaries : Chase Manhattan Bank USA, N. A., JPMorgan Chase Bank, N. A., and JPMCCs wholly-owned Limited Liability Corporation : Chase Home Finance, LLC [ aka : Chase Manhattan Mortgage Corporation ( CMMC ) ], and originated more than two-hundred thousand subprime/Alt-A mortgages, before it was shut-down in XX/XX/XXXX. JPMorgan Chase Bank, N. A. still provides conventional home mortgages to some of the MSAs/MDs targeted by the Chase Lending Specialists ; and the XX/XX/XXXX-XX/XX/XXXX HMDA-LAR Public Disclosures show that these XXXX Americans residing in these MSAs/MDs have never recovered from the XX/XX/XXXX-XX/XX/XXXX Predatory Lending, Mortgage Loan Fraud, and XXXX Discrimination/XXXX  Profiling practices of the Chase Lending Specialists.
Consumer complaint received 2017-01-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello CFPB- I have a new single point of contact at BofA who I spoke by phone yesterday XXXX/XXXX/17. She gave me a deadline to submit my change of circumstance info by XXXX/XXXX/17 in search of a modification. During the discussion I shared with her that I am able to resume paying the amount on my monthly statement, but the BofA will not accept it. This is due to the sale date they posted on XXXX XXXX, 2017. I have recently doubled my income and when I was told it is still not sufficient I asked how much more money do I need to earn. And here is the standard answer from everyone I have spoke or emailed with at BofA. To paraphrase, The BofA does not make that decision, that decision comes from the guidelines set down by the investor. She suggested I contact them. What follows is close to the language and describes what seems to be an intentional effort to not disclose. BofA names XXXX as investor, and the BofA as servicer is required to reveal the investor. In contacting XXXX by email and phone via a recorded message, XXXX states they are not the investor, but a Trustee for certificateholders of XXXX, XXXX My research revealed that XXXX is Countrywide , and BofA owns Countrywide . 
The result is that I and other homeowners are kept from accessing vital information. I told my BofA rep that I am in the running for XXXX full time jobs in which I am asked to state what salary I want. I need vital info from BoA what amount they demand so I can key it to these XXXX jobs. I shared this information with my BofA rep and told her that XXXX refers all decisions like income level are generated by BofA. My BofA contact became defensive and reaffirmed XXXX is the investor and makes the decisions, not BofA. 
I saw no reason to pursue this conversation in that she was getting agitated, and told her I would have the necessary docs ready when she will call, XXXX Fri XXXX. Shortly after this call I received a email stating that my file was declined though my docs had not been submitted. A later email stated that no further sale dates will be considered, thus my home will be sold Thurs XXXX XXXX.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CO)

When I was in school pursuing my XXXX and XXXX degree I had some federal loans with XXXX XXXX ( now Navient ) and started getting calls from them about taking out Tuition Answer loans to cover expenses. I did not know at the time that they were private loans and did not have the same repayment options as federal. As I was finishing my XXXX my husband and I went through XXXX layoffs and ended up having to file Chapter XXXX bankruptcy. Our attorney told us that the student loans would not accrue interest while we were under bankruptcy protection. That turned out to be false. Payments were made to Navient on these loans through the bankruptcy court. We made every payment to the bankruptcy court on time and were successfully discharged XX/XX/2015. I immediately called Navient to try to make repayment arrangements. When I called them I found that because of interest added while we were in bankruptcy our balance on these loans had gone from {$110000.00} to {$240000.00}. Over {$120000.00} was added in interest! They told me the payment would be {$2100.00} per month. I explained that I could not afford that and they offered to enroll me in what they called their rate reduction program. They said that I would be able to pay the loans down faster since I would n't be paying as much interest and they set me up with a payment that was under {$1000.00} per month. That program expired after a year so I called back and asked if I could continue in that program. They told me I did not qualify and had no other options but to make the full {$2100.00} per month payment or they would begin enforcement action against me. Since then I have been working XXXX full time jobs to try to make these payments and am quickly running out of options. 
When they told me I could not continue in their rate reduction plan I started keeping track of everything on a spreadsheet which I can send to you. When the rate reduction plan ended XX/XX/XXXX my balance was {$240000.00}. After making the full payment of {$2100.00} my balance actually went up to {$240000.00}. For the following two months after making the full payment my balance was reduced by less than {$300.00}. I called Navient and asked them why my balance was going up even though I was making full payments. They told me that all of the interest I 'saved ' while being in their rate reduction program was put back on my balance. They did not tell me that would happen when they put me on that program. XX/XX/XXXX my balance did decrease by {$1100.00} but XX/XX/XXXX it increased by {$580.00}. No one at Navient can give me an explanation as to why this is happening. We are much worse off financially now than we were before filing bankruptcy solely because of these loans.
Consumer complaint received 2018-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Diversified Consultants, Inc. (AL)

XXXX  has been non-compliant with removing the unverified account DIVERSIFIED CONSULTANTS INC which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that DIVERSIFIED CONSULTANTS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2021-03-31
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. (FL)

Hi, I would like to tell you that I have a terrible situation because I found strange accounts in my credit report. For sure these accounts are not mine and I filed a report of identity theft because I was hacked by someone and they stole my personal information. In some time these accounts appeared so please I kindly ask you to apply investigation and check those accounts. Also it would be nice if you can take them away/ delete from my credit profile because its not fair to have them due to fraud. Its not my mistake or fault so please remove them and thank you for understanding. 

Have a great day!
Consumer complaint received 2021-03-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (TX)

They call 1-3, times a day from a spoofed number that says XXXX, XXXX, but is actually Radius Global Solutions. They say they are calling for XXXX XXXX XXXX, to whom I sent a settlement letter directly to the company XX/XX/XXXX. I informed them I was a XXXX veteran and XXXX patient survivor. I finished XXXX XXXX in XX/XX/XXXX, and wanted to settle this account. They did not respond to my offer. Hence the final offer is {$100.00}, and will not change ever. They have increased their calls since XX/XX/XXXX.
Consumer complaint received 2021-03-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (SC)

On Monday XX/XX/21 I accidentally locked my Coinbase account rather than my Coinbase wallet which is entirely separate. 
This also resulted in me being locked out of my Coinbase Pro account. 
I followed the steps they presented which involved photos of my valid Drivers License and a selfie. 
I was then sent an email with a link about when I may be able to access my funds. 
That day was originally listed as XX/XX/XXXX though on subsequent checks on the link the date started moving further into the future. After numerous attempts to reach Coinbase support which is essentially unreachable by email and rarely responds in their social media channels I was directed to get a case number. Within a few minutes of my first response from Coinbase I received an email saying my verification had failed. 
They refuse to acknowledge anyone without a case number so I then filed a complaint in regards to the lack of customer service, the shifting dates on expected recovery and finally the failed recovery. 
I then received an a form email which instructed me to do the very steps I had just done to regain access. I replied that those were the steps I had taken and the basis of the whole complaint. I received an email that simply stated they would look into it with no commitment or apparent urgency to release my property. 
Their customer service social media channels are filled with many in my situation. I wish I had seen those before trusting them with my money. 
They seem to acknowledge that they are unable to adequately tend to their customers with a constant notice on their support site that they are poorly equipped to handle complaints. 
Ultimately the assets they are holding belong to me and and I have submitted plenty of documentation to prove I am the person that owns the account.
Consumer complaint received 2021-03-31
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)

On XX/XX/XXXX I started to dispute some accounts that are not reporting accurately. None of the bureaus responded to me the way that they should so I sent another dispute to them on XX/XX/XXXX. They've STILL not responded at all, so today, XX/XX/XXXX I am submitting a THIRD dispute to the bureaus as well as this complaint.
Consumer complaint received 2021-03-31
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: EQUIFAX, INC. (TX)

On XX/XX/XXXX I started to dispute some accounts that are not reporting accurately. None of the bureaus responded to me the way that they should so I sent another dispute to them on XX/XX/XXXX. They've STILL not responded at all, so today, XX/XX/XXXX I am submitting a THIRD dispute to the bureaus as well as this complaint.
Consumer complaint received 2021-03-31
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: Robinson, Reagan and Young PLLC (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2018-08-21
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (OH)

Person by the name of XXXX XXXX ( ex. XXXX ) has been reaching out to contacts on my XXXX XXXX account and informing them of my debt with XXXX Bank. She has left voicemails with relatives and non-relatives threatening to take further action if I am not reached.
Consumer complaint received 2023-07-03
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. (NY)

AS XX/XX/XXXX I HAVE NOTICE FRAUDULENT INQUIRES IT IS NOW XX/XX/XXXX THE 3 CREDIT BUREAS AND THE COMPANIES LOSTED BELOW TOOK MORE THAN 45 days to respond according to the " FAIR CARES ACT '' ALL COMPANIES INVOLVED ARE NOW VIOLATING THE LAW! 
REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY BEFORE I HAVE TO MAKE LAW SUIT!!!! 

Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type All Banks Contact info Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX Phone number By mail only ( tel : MAIL % XXXX ) XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX XXXX XXXX Contact info Address XXXX XXXX XXXXXXXX XXXX, XXXX Phone number ( XXXX ) XXXX ( XXXX ) XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX XXXX XXXX Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX ( XXXX ) CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report 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 identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2018-08-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC (PA)

I went to the hospital sometime in I believe in XX/XX/2013.I didn't have insurance at the time or a job.I specifically told them to not do anything unless I qualify for free care.I applied for free care which they made me do and should have qualified with no problem because there was no income. Why I didn't receive it till this day I have no idea. But it definitely should of been covered. I called way back and told them this and also told them to please do no test unless I have coverage.I assumed that I had free coverage because they ran some tests.I later received a bill for {$5700.00} that was reported to all three credit bureau's.I called and disputed this bill but they have me jumping through hoops every time.