davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NY)

I received a voice message which read that my student loan had been restructured and that I have to call back at a number they gave me to discuss the terms of the restructuring. The number they left was XXXX. When I called the number, the person named XXXX answered. He said that he was working for the department of education, informed me that there was a class action suit against Navient ( my loan servicer ) and that my loan qualified for forgiveness. 

The person had knowledge of my student loan, the total amount I owe, the structure of my loan ( that it is six small loans ) the phone number and email associated with the loan. He sent me a six digit code in my email ( which he had ) and asked me to repeat it to him. The he asked for my birthday only. He asked me if I make over Under {$1000.00} a month. I told him that I do not have a set job and I make {$2500.00} a month but not every month the same amount. sometimes less. 
Then he offered to me the restructuring plan : According to the I has to pay {$240.00} per month for four months, then $ XXXXmonth for the next 36 months. after than the loan will be paid. I asked him to end me the terms he is offering to me in writing and I will call him back. 
Then I received an email which contained a n snap shot of my total loan. The email was sent from : XXXX XXXX, XXXX XXXX, tel : ( XXXX ) XXXX, fax ( XXXX. 
e-mail : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. 
web site : XXXX 

I believe that this is a scam. But I am very concerned that he had all this information about me.! 

Later I received emails and text messages saying that somebody changed my FAS ID password. I called Navient whose representative informed me that I have to filed a scam complaint with you.
Consumer complaint received 2020-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

I have been overcharged for escrow for several years. As a surving spouse of a XXXX XXXX I receive exemption from property taxes. Due to the incorrect tax amount approx. XXXX a month I was assessed on my monthly mortgage I became delinquent. I worked with my local tax assessors office to get there records to reflect my VA exemption then I provided the new bill to XXXX. Yet I continue to be charged monthly for a tax allocation. For over a year I sent paperwork requesting assistance. I asked to have some type of plan to pay back the correct amount due over time or put toward the end of the loan. I wa denied the only option I was given was to surrender my house. 
Currently I am in foreclosure. I have lived in my home for 26 years and want to remain here. The original mortgage servicer was XXXX this company had me send thousands of documents over 18 months worth. After continuous prolonging XXXX was replaced by Shellpoint they determined I did not qualify for any modification or payback program because my payment would have to be reduced once the program was over. I explained again to the new company Shellpoint that my monthly payment did not reflect the correct tax assessment and that alone would reduce my monthly payment. I have the income to pay but they want the entire balance even though the amount is incorrect. Shellpoint and XXXX have been negligent in servicing my loan. I want my mortgage taken out of Foreclosure and my tax removed from monthly bills.
Consumer complaint received 2021-03-15
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)

Ive have contacted the Equifax for about 2 years now letting them know that there are accounts, addresss and names that do not belong to me that they are reporting. 

XXXX, XXXX XXXX and also these hard inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion is reporting the following items inaccurately. Can someone please look into this? Thank You ACCOUNTS XXXX XXXX XXXX XXXX never late US DEP ED XXXX not mine XXXX XXXX not mine INQUIRIES  XXXX  XXXX  XX/XX/XXXX unauthorized XXXX  XXXX  XXXX ; XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX  XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX/XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized
Consumer complaint received 2020-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (NH)

I had a conventional home mortgage loan with Ameris Bank. On XX/XX/XXXX I refinanced my mortgage loan with XXXX XXXX XXXX XXXX XXXX XXXX At closing, XXXX XXXX paid my property taxes for the year XXXX. Therefore, the money Ameris Bank held in escrow for my property taxes needed to be refunded. 

XXXX sent me a letter on XX/XX/XXXX stating that they owed me an escrow refund of {$2800.00}. 

I called Ameris Bank on XX/XX/XXXX to inquire about my escrow refund check. I was told that on XX/XX/XXXX a refund check had been issued and maybe got lost in the mail since I moved. I was asked to wait a few more days since a check could not be canceled until 30 days after it was issued. 

I called Ameris Bank on XX/XX/XXXX because my refund check had not arrived and I had allowed ample time for the mail to be rerouted to my new address. I was getting all my other rerouted mail at my new address, including checks and bills. I was told on XX/XX/XXXX that the check must have gotten lost so the associate canceled my check and I was told another would be issued to my new address. This check still has not arrived. 

On XX/XX/XXXX I called Ameris Bank again since the check that was supposedly issued on XX/XX/XXXX never arrived. I explained the situation and said I wanted a more effective resolution. I was transferred to a manager who said she escalated the situation and that I should receive a call. I was never called back. Later that day, I called again. There was no record of my call earlier that day. During my second call, the associate put me on hold and canceled the check from XX/XX/XXXX and came back on the line to say she issued a third check. Because the associate did this, I am unable to escalate the issue for another 30 days. 

I never received any of the refund checks, even though I am able to receive mail and I have received my refunded mortgage insurance so I do not believe there is an issue on my end.
Consumer complaint received 2020-12-29
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. (MT)

These are not my accounts. This is a second requests. Note that I am not a credit repair company nor mortgage company. Please remove these accounts from my credit profile. I am currently XXXX  in the U.S. Military. There are credit card laws that protect military members to those who are currently working overseas. Please remove any negative remarks from my credit reports.
Consumer complaint received 2021-03-15
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

In XX/XX/2021, I pulled my 3 credit reports and noticed fraud on each report. The debt was fraudulently and erroneously reported on my credit reports. I did not open the accounts and did not authorize anyone to do so on my behalf. This information belongs to someone else, who I have no knowledge. I'm not an existing customer of these organizations. The organizations were contacted via telephone and can not provide any contracts or signed documents with my signatures which can link me to the debt. On XX/XX/2021, I notified each credit bureau of the fraudulent accounts which are unauthorized. The credit reporting agencies have advised me to file this complaint with the Consumer Financial Protection Bureau. 

Please see the fraudulent accounts and amounts below : Account Name Amount Portfolio Recovery {$490.00} XXXX XXXX {$690.0XX/XX/XXXXXXXX XXXX {$820.00} XXXX XXXX XXXX {$100.00} XX/XX/XXXX - XXXXXX/XX/XXXX{$690.00} XXXX XXXX {$0.00} Thank you for your time and support.
Consumer complaint received 2020-12-29
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. (GA)

Re : CFPB Nos. XXXX and XXXX XXXX XXXX Account Nos. ending XXXX and XXXX For account number ending in XXXX, the account was paid on XX/XX/XXXX and then again on XX/XX/XXXX, this is supported by my bank. XXXX shows no evidence of their claim of receiving it on XX/XX/XXXX and XX/XX/2017. No late fees were assessed and paid! XXXX XXXX response is an elaborate conjecture to include dates of notices sent to my official residence. I would expect notices of such importance to be sent via certified mail and therefore require a signature when received. To date, I have only received one letter to my home from XXXX. I hereby request all evidence of XXXX XXXX claims of dates of payments on this account. If XXXX is unable to do so, they must adjusted my account to show no late payments, and reported accordingly to the credit bureaus
Consumer complaint received 2021-03-15
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UMB FINANCIAL CORPORATION (NJ)

On XX/XX/2021 I sent a fax to UMB BANK to transfer the money out of my XXXX account to XXXX XXXX account. Later i authorized fidelity to do the transfer and they sent another fax to them on XX/XX/2021 to XXXX bank to initiate the transfer. UMB bank on on XX/XX/2021 charged all the fees on my account ( including the monthly service fee, statement fee and the account closure fee of {$25.00} ). According to them they sent the check to XXXX which was never received by them. When i called them back on XX/XX/XXXX, they told me that they don't have any tracking on the check and the details were not present in their system. On repeated phone calls after that the supervisor gave me some check number but said she doesn't have any tracking and she can not answer more than to say that the check was sent. All this while XXXX customer service said they haven't received anything. Since my account is an XXXX account I don't have any money to pay for my medical expenses and the UMB bank still continues to play games where they can not issue stop payment not refund the fees they charged on my account. I had a simple question to the supervisor where i asked " Why does the bank get to charge closure fees and get paid when i still have received my own money all this time ''? Please help resolve this matter.
Consumer complaint received 2020-12-29
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. (TX)

On XX/XX/2020 I've sent Disputes regarding to those Unknown and Inaccurate on my credit report. Today is over 30 days but I haven't receive any response. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2020 a car rental agreement was put in place between myself and XXXX rental car in XXXX, pa. I was quoted {$85.00} from XX/XX/2020 until XX/XX/2020. Upon traveling to my destination which was XXXX miles from my home, I noticed the gas mileage per gallon seemed to be using more gas than usual. Fast forward to my return home on XXXX day around XXXX..once I was about 30 minutes from home, the vehicle was almost empty. I contacted the XXXX  representative via XXXX XXXX as she sent me a friend request in the app back in XXXX after meeting her securing a rental at some other point. On my way home I did reach out to her and explained all the safety issues concerning this car that she rented me and I traveled with my children!! When I went to secure the rental my capital one card was charged {$85.00}. When I dropped the vehicle back off, within 5 minutes while on my way home, I saw that she was trying to charge my card an additional {$220.00} for a full tank of gas plus the cost of the rental again. 
Because their charge was already pending, even though I canceled my capital one card, they somehow forced a payment of XXXX throwing my capital one card more than {$100.00} over the limit! Why did they charge me when the vehicle was picked up? Why did she charge me again..for gas at a rate of almost {$10.00} per gallon! During a nationwide pandemic?? This is price gouging at its finest! When I contacted capital one on Saturday, they advised the best way to deal with this would be to cancel that card so they could not continue to charge it. On Saturday and Sunday it was pending, by Monday it was pushed through ...
Consumer complaint received 2021-03-15
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-06-30
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kimball, Tirey & St. John LLP (CA)

On XXXX I received an email from a " XXXX XXXX '' whom works for The XXXX XXXX XXXX XXXX. The email was to alert me that an affordable apartment unit was available for my tribe if we would like to apply for the unit. The available unit would allow my tribe to only pay only 30 % of our income in rental fees monthly. I submitted my response by email and informed XXXX XXXX that we were interesting and would like the applications to began the process. XXXX I received an email from XXXX XXXX and it contained the rental applications and guidelines. We immediately completed the applications and sent them in an email to XXXX XXXX. XXXX XXXX had informed me that she was not the onsite XXXX, however she would forward the rental applications to the onsite XXXX a " XXXX XXXX '' and that would be our person of contact moving forward. Starting XXXX through XXXX I submitted several copies of the completed rental applications, Check stub copies, landlord verification copies and all other pertinent documents when attempting to rent an apartment. In the process of attempting to have our rental applications processed we were met with several delays, XXXX XXXX stated that we ( our tribe ) owed a debt to The XXXX XXXX XXXX XXXX. XXXX I submitted a request for assistance to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I explained the difficulties that we were encountering with XXXX XXXX and asked if we would be able to submit our credit check fees to a different onsite XXXX for The XXXX XXXX XXXX XXXX as we did not think XXXX XXXX would complete the application process and simply take our {$60.00}. On XXXX I received an email from a " XXXX XXXX '' whom also works for The XXXX XXXX XXXX XXXX and she informed me that she would process our applications for the unit. XXXX a " XXXX XXXX '' sends me an email stating that she also works for The XXXX XXXX XXXX XXXX and she will now be processing our rental applications. XXXX I receive an email from " XXXX XXXX XXXX '', partner of Law offices of Kimball, Tirey, & St. John LLP and in the email XXXX states that we have an unpaid balance that is owed to The XXXX XXXX XXXX XXXX and according to the records that a " XXXX XXXX '' obtained the information for the years XXXX and XXXX. Due to this erroneous information being reported and shared without our prior knowledge or consent we were denied the apartment according to XXXX XXXX XXXX.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CO)

The first payment on a {$22000.00} used XXXX XXXX XXXX to XXXX XXXX XXXX was on XXXX XXXX. 
The Vehicle was paid off in full on XXXX XXXX ( XXXX, XXXX early ) out of a 66 month agreement contract. 
I continued making timely monthly payments of {$400.00} per month after the first XX/XX/XXXX initial payment On XX/XX/XXXX a chapter XXXX Bankruptcy ( I initiated ) was discharged in my name. 
I continued ( missing no payments ) through XX/XX/XXXX when said vehicle was Paid in full to XXXX XXXX XXXX. 
I have asked XXXX XXXX XXXX several times to please report to the three Credit Reporting Agencies the vehicle is paid in full and that the XXXX account is closed. 
XXXX has refused to do this ( they have told me because there was a Bankruptcy they would not report it to the 3 Bureau 's ). 
XXXX XXXX XXXX was not damaged in any way, I never missed a payment and the vehicle was paid off in full over two years early. 
For XXXX to adversely impede my credit score by not reporting that the account has been paid in full serves no purpose, especially since they were not damaged by my Bankruptcy, they were paid off 2 years early and there were 19 months of timely payments made prior to the XXXX Bankruptcy. 
I am XXXX years old and in need of a place to live, I am told I need a credit score of at least XXXX to rent an apartment or buy a house, I currently have a credit score of XXXX. 
If XXXX XXXX XXXX reported to The three Credit reporting Agencies that the XXXX account is closed and paid in full, it will will mean the difference in getting a place to live or not. 
I am sending along with this complaint a copy of the payment history, Sincerely email :
Consumer complaint received 2022-10-27
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: CITIBANK, N.A. (NY)

I am being sued for a debt on a Macys / american express credit card. it is being reporting on credit bureaus as AMEX/DSNB account... XXXX and the balance as {$3.00}, XXXX ( XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) I requested documents to verify this information. for the past XXXX XXXX neither Macy 's or American express were able to prove this account belongs to me and refuse to remove this account from all three credit bureaus ( XXXX, XXXX XXXX XXXX ). I requested from the credit bureaus to send me what information they have that this account is verify, and they have not. XX/XX/2022 I sent a letter to American express requesting information on this account and have not heard from them.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

XXXX XXXX is reporting multiple account numbers as follows XXXX # XXXX, XXXX  # XXXX ..., TransUnion must delete this account do to erroneous, incomplete and unverified account number information. Attach to this dispute I am providing a letter from the actual furnisher of information with a different account number also an attach credit report from XXXX also with a different account number both to prove my case.
Consumer complaint received 2020-12-29
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Data Systems, Inc. (GA)

Medical revenue collection service call my Job at XXXX. Told me about the debt for a medical bill for XXXX XXXX in the amount of {$600.00}. i kindly let him know that i could not pay it, he told me I have no choice but to commit to pay {$75.00}. They not accepting i can not pay. I do not have money and I do not like the fact he tell me I have to pay for something when I do not have the money. I won't them to leave me alone.
Consumer complaint received 2020-12-29
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. (VA)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit reports.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The account forXX/XX/XXXX-XXXX, in which, I'm an authorized user is not reporting the correct credit limit of {$5500.00} on my credit report., which affects my credit score. I have attached information reflecting that, along with my Driver 's license to prove my identity.