davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-29
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ATG Credit, LLC (PA)

Around XXXX, I started receiving notifications via email/voicemail from XXXX that I had a balance due on a student loan with them from disenrolling in the Pastry program there. I returned the phone calls and countless emails with multiple reps in the financial aid office and the admin offices and they couldnt find a account that was past due in any history and wasnt sure why I was still getting notifications. It escalated to the financial dean & the dean of the college and they said the account was fulfilled and nothing was due on my end of things and assured me nothing would go on my credit report and I do not owe any money since Ive paid what I needed previously. Fast forward to XXXX, I start receiving multiple hounding phone calls from multiple random numbers from ATG Credit regarding a past due balance of {$4200.00}. I explained to them that I do not owe this and I have no clue where this amount came up. Coincidentally, the amount coinsides with the amount back in XXXX that I kept receiving notifications for. I explained to ATG that I resolved this last year with the dean and the financial aid office and ATG explained that XXXX was the one that sent it to them. After the phone conversation, ATG was going to contact XXXX and resolve this. In XXXX, Ive gotten about 4-6 calls a day from ATG about collecting the amount and now on my credit report, ATG reported another amount of {$5000.00} and I never received anything in the mail for the past 2 years from ATG or XXXX. This has not only been an ongoing issue for 3+ years, in the middle of a pandemic, its not fair for ATG & XXXX to take advantage of a former student and to recoup any money theyve lost from the pandemic. I do not condone this action and request for it to be finally resolved after all this time because at this rate, I feel like I do have to take legal action if this isnt resolved. Putting in the request with CFPB is my last ditch effort to get it resolved at the consumer level.
Consumer complaint received 2022-12-29
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)

accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (TX)

XX/XX/2021 I attempted to suspend my services as I do every year. I only subscribe during XXXX season for the XXXX Ticket. I was told I could not until I paid the outstanding balance owed. I paid {$71.00} which cleared my bank on XXXX. I contacted them the following week and was told that they did not receive the payment and my services were cancelled and was quoted another service months worth. I have yet to be credited with the money I paid. After back and forth correspondence I heard nothing else. 

I received an alert from XXXX  advising of a collection account. It was a company named Credence Resource Management. I have not received any notification that this account went to collection agency but they are reporting me. 

I called XXXX XXXX to discuss this and was told that they did not forward account to collections but that I did owe this crazy balance. I advised of my payment back in XXXX and that I could provide proof of payment and was told to mail in a complaint. I have called to speak with a supervisor and was told there was not one and that I would need to mail a complaint. I have paid this and it is not being credited properly and I am getting no assistance from XXXX XXXX
Consumer complaint received 2021-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX : I demand TransUnion, XXXX remove the following inquires as I never gave you written instruction to reflect the inquiries : 1. XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2021-06-29
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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (TX)

I filed complaint XXXX in which the company acknowledges mistake however they say my lates are in XXXX and they arent. The late reporting accured from XX/XX/XXXX till XXXX of XXXX in which I have 6 missed payments. Community also says my loan doesnt qualify for forbearance yet I've been on forbearance since XXXX of XXXX and still to this day. XXXX continues to report the 6 missed payments. Community states they've sent correction letter to XXXX to remove all 6 lates, however XXXX says they've never received such letter. In fact XXXX says community confirmed the 6 late payments as accurate even after theyve acknowledge their mistake.
Consumer complaint received 2022-10-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: Tesla, Inc. (NM)

We got a loan for solar panels in 2016. The company that installed them subsequently was purchased by tesla inc . They filed XXXX separate liens against our property for XXXX piece of equipment. They are refusing to terminate the earlier liens and this is preventing us from accessing refinancing on our home because the title company just sees XXXX liens on our property. We have spent days trying to sort this out with them and they want us to pay them {$150.00} per lien to correct their filing mistake.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2021-06-29
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. (TN)

I have sent several disputes about XXXX XXXX XXXX reporting a different last activity date from other credit bureaus. A collection does not require age. I also asked for verification of a signed contract with my written signature for proof of debt. I have not received anything.
Consumer complaint received 2021-06-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (CA)

CMRE Financial Services sent me to collections for a {$370.00} debt. They are quite incompetent & didnt have my current address on file & so I wasnt aware of the debt until it was already on my credit report. Once I took notice of this I called the company & I agreed to pay the debt & they agreed to take the account off of my credit report. A few days later the account was marked as paid but not taken off of my credit report. I called them back & was told in a very aggressive way that they would never do that for me. I asked to speak to supervisors & they never called me back. I disputed with my credit bureau & they still would not agree to take it off of my credit report. How am I supposed to be liable for an account for 7 years that I was not aware of? Not only are these tactics unethical, aggressive, & unfair, but they also disproportionately affect low-income households. I looked up CMRE reviews on the XXXX  & everyone else seems to feel the same way. This company holds people XXXX for medical debts & permanently ruins their credit while theyre already hurting. I have never seen a company this brazen & shady, even from debt collectors, ever before.
Consumer complaint received 2021-06-29
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)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK (OK)

On XX/XX/2020, I called the customer service line of Freedom Debt Relief ( FDR ) to get the balance figure of my dedicated account to determine an additional payment amount to be submitted to clear, and totally pay off the negotiated amount I owed to XXXX XXXX. I also advised that I wanted no further negotiations performed by FDR. I believe, to the best of my recollection, that I specifically named one creditor to be removed from any further negotiations. On XX/XX/2020, I used my debit card to pay {$2600.00} to totally clear and cancel any further obligation to FDR. I more than once asked for confirmation that my account was totally paid and there would be no further obligation to FDR. I was assured by the individual on the phone that my account was totally paid off and my account would be closed. ( If indeed conversations are recorded, why aren't they listened to? ) After paying my account in full XXXX XX/XX/2020 XXXX, a {$340.00} incremental was withdrawn from my account on XX/XX/2020. I called FDR and pitched a fit, during the conversation, it was again determined that my account was paid in full and the money was returned on XX/XX/2020. 
The next thing I know, {$10.00} is being withdrawn from my account on a monthly. I called FDR again, this time I was told the institution ( XXXX XXXX XXXX XXXX  ) paying the XXXX XXXX account would have to remain open until the creditor agreed to accept payment in full, which according to FDR, could take up to 6 months. I called XXXX XXXX and was advised that a payment in full transaction could take place in a 24-hour business day. 
In XXXX, I contacted XXXX XXXX again and stopped all permissions to allow withdrawals by FDR. 
I continue to get weekly notices that I need to resume deposits to FDR and the have added two more monthly fees for {$12.00} and {$21.00}. This is total nonsense, as I paid my account off on XX/XX/2020. I have my " dashboard '' provided by FDR, which will verify dates and $ figures. 
I have called XXXX, FDR, and XXXX trying to get this resolved, to no avail. 
FDR address is :. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA. XXXX Customer service : XXXX
Consumer complaint received 2024-02-25
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA (NY)

I tried to make my usual payment through the Hyundai app and it would not work. I contacted the company several times through the app and did not hear back. I then went to the website and tried several times and had the same trouble. I took screenshots and sent to the company and waited to hear back. I did not hear back but eventually was able to make the payment a couple of week later. They reported my payment late to XXXX etc.
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA (FL)

XXXX of 2019 I opened a line of credit with GS bank usa. Apples new credit card. The card purposely did not come with the card number printed on it. 
This became an issue when I lost everything on my XXXX device. I have no history anywhere of this credit card and cant look it up because the card doesnt have a card number and cant look up my statements or transactions. I received no letters in the mail from this card company, no emails or anything to tell me I was past due or what I owed. There is no paper trail at all from them. I have called the card company and they said they didnt see that I owed anything, yet its still on my credit report that I owe {$1000.00}. Ive called the credit reporting companies and they told me to call the card company. 
Because of this issue with the card company I am unable to apply for a different credit card since they are reporting a balance due, yet I havent received any statement or any way to even verify the accuracy.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KY)

I have disputed with the credit bureaus several times regarding addresses on my credit report that do not belong to me and are on my report as a result of identity theft aswell as inquiries and fraudulent credit accounts opened in my name and have asked they be removed the credit bureaus will not remove these addresses, accounts, and inquiries. I have provided them with identity theft reports and ask that these be removed from my file immediately XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2021 around XXXX I received a text supposedly from the BOA fraud alert in which someone tried to XXXX themselves {$3100.00} from my bank! So I said NO Then someone from Bank of America Frauds department called, same exact number. Said someone tries to send money out of my XXXX app. I got suspicious so I hung up on him but then he called me from Bank of America official phone number. Then he said to recover the funds, I need to XXXX myself, my OWN phone number, the {$3100.00} and the Bank of America supervisor will refund it immediately and it'll go back into my account. The scammer said its because XXXX is a third party. Then after that happened I asked for his name again and he hung up on me. So I called the exact Bank of America frauds department number XXXX same exact number ) and they told me that they don't have a record of that call!! The calls were SPOOFED. So I filed a claim with Bank of America and XXXX and they BOTH said they'll get back to me within 10 days-90days but it's not guaranteed they can recover the {$3100.00}. The name on the XXXX was XXXX. 
It was unauthorized and fraudulent!! 
I also reported it to XXXX Police : Case number : XXXX I heard that XXXX was a third party from a BOA associate when I called to check on the status of my claim today XX/XX/2021 at XXXX
Consumer complaint received 2021-06-29
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (CA)

XXXX is sending me letters in relation to TWO fraudulent loan accounts. I spoke with a representative from the ORIGINAL DEPBT OWNER of the account, XXXX XXXX They confirmed today that " THERE IS NO RECORD OF YOU AND ANY LOAN WITH US IN OUR SYSTEM. '' I asked the representative if there was anything dating back TEN YEARS. She said, " no, we do not have ANY record of you in our system at all. This happens often and we will be sending you a letter stating such. '' I am angry that XXXX is attempting to collect on something they know is fraudulent and why now? Where did they BUY the information and think it was valid? What system has given XXXX the power to harass consumers? Threatening letters, offers to settle, threats to post negative information on one 's credit report, who gave them the power to be jerks?!
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (AZ)

It is all detailed in complaint number on my account XXXX The case was closed because my feedback was not timely posted on CFPB. However, during this time XXXX at Netspend would not return my calls. In fact, the call she refers to on XX/XX/XXXX was me trying to reach her. I have not been able to submit the documentation that supports my complaint and dispute of {$140.00} of charges that are complete theft of my Stimulus, the 3rd installment from the Corona virus pandemic. I have proof that I do not know how to submit that there was a card already on the account that was 100 % fee free. I have the card number and account number and documentation to support this. It was a card via PayPal. On the same account the funds were deposited to. The amount of time I have spent on this is absolutely embarrassing. I urge CFPB to request the recorded phone conversations that were had between myself and various employees of Netspend. In addition, the IRS sent me a letter that the funds from my 2nd Stimulus were deposited to the same account, but Netspend says it is not true. Well I have the letter from the IRS I want to submit that, as well. Please help me acquire these recorded phone calls per my account at Netspend to demonstrate the lack of interest the company has in truly resolving issues that have harmed the customer.
Consumer complaint received 2021-06-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I have made many calls to Pennymac Loan servicing that have gone ignored. I was in a COVID forbearance program and eventually had to file Chapter XXXX bankruptcy. I engaged Pennymac during this process to secure a loan modification to stop the forebearance and resume my monthly payment at the original amount. I was made aware that I would be able to enroll in a modification program as soon as it became available and that it should be available on XX/XX/XXXX. I advised Pennymac that I wanted to be enrolled in this program as soon as it was available as this was the only issue delaying my bankruptcy discharge. I called several times and was told the program was not yet ready. On XX/XX/XXXX after I called again I was made aware that the modification was available and that we did qualify but it would take up to XX/XX/XXXX to recieve the documents to sign off. I advised them that my discharge had been delayed 60 days already and was now set for XXXX and would it be expedited. We eventually were sent the documents on XX/XX/XXXX and they were signed and returned via XXXX on XX/XX/XXXX which Pennymac confirmed. Now a week later we are being told it can take up to 30 more days for them to process the signed modification and bring our account current. We were also told that we are not allowed to reaffirm the mortgage until this processing has happened which will force us to further delay our discharge. This lender has taken more than 5 months to process one modification causing a greater than 60 day delay on discharging my bankruptcy. This has left us unable to move forward and regain control of our finances and everytime we have called even with our attorneys we are given different information. My attorneys have made countless phone calls and been given different information everytime they speak with a representative. I need help!
Consumer complaint received 2023-03-22
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: EQUIFAX, INC. (AZ)

I wrote a letter XX/XX/2023 regarding inaccurate and items not known to me on my credit report. To this date I have not a response on the validity of the items. I feel that my dispute is not being taken seriously and I am being taken advantage of. Section 611 ( a ) states that failure to investigate these items in 30 days is a reason to immediately remove the disputed items from my credit report. It has been over 30 days and should be deleted promptly. I demand the items be removed immediately and if not done will consider litigation due emotional distress. I am concerned due the XXXX date breach my information may have fall into the wrong hands.
Consumer complaint received 2021-06-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: R & B Corporation of Virginia (VA)

I got a call today from Credit Control Corporation, phone number ( XXXX ) XXXX, but the caller did not leave a message. I called them back and the person who picked up the phone didn't give me any details. She simply asked me for my Full Name, Date of Birth and Full Social Security Number. I told her that I didn't want to disclose my personal information. 
She then threated me with garnishments or arrest if I didnt disclose my personal information and pay my debt.