davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cornerstone Mitigation (TX)

My father received a call today, XX/XX/XXXX from a company stating they filed a legal suit against me. I called the company back and was advised the debt of was owed and opened in XXXX charged off in XXXX and they are filing suit. The first rep advised it was for a credit card from XXXX XXXX XXXX XXXX in the amount of {$1300.00}. I explained to the agent I have not opened a credit card with this company. She explained docs were sent and the address on file was XXXX XXXX XXXX, XXXX  which is where I resided as a teenager and have not lived since XXXX along with I did not reside in XXXX  until XX/XX/XXXX from moving from XXXX. I was hung up on upon asking how can I report this as fraud. I called again and was advised I would be transferred to a sup XXXX who was extremely rude and screamed this is your debt and you owe it and hung up. I called again and spoke with another rep who refused to give her name and explained the same and that I will be reporting them since they can not tell me how to report as fraud. I was screamed at again stating " go ahead call them not us ''. They confirmed the last four of my ssn and that was all. 
Company Name : CMG Associates Phone : XXXX I XXXX  the number and their has been multiple complaints on this company and their harassment.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (KS)

I received a letter from Citi Cards dated XX/XX/XXXX stating that they had reversed two merchant credits on my Mastercard account because they duplicated a credit by Citi Cards due to my dispute. In my reply dated XX/XX/XXXX, I explained that the credits that they reversed were for different charges on different dates, unrelated to the disputed charge. I asked them to reverse their wrong action. My reply was ignored, and the charge appears on my XXXX statement.
Consumer complaint received 2021-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Direct Account Management (CA)

Company Direct Account Management claimed to be a student loan forgiveness program who was working on helping me with my student loan. They said they would be working on my behalf to get my total loan amount down. They withdrew {$430.00} from my bank account on 3 separate occasions, in XXXX, XXXX and then lastly in XXXX of 2020. I received a letter from my student loan provider and noticed no payments or progress had been made on my account. Said company Direct Account Management took money from me and did not provide any service to me nor have they done anything with my student loan to help me, but instead just took my money and have disappeared. They have not returned any of my calls and their main contact number is no longer in service.
Consumer complaint received 2021-08-04
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. (NY)

Pursuant to 15 USC 1681c-2 at the receipt of an identity theft report a consumer reporting agency has 4 business days to block the fraudulent information from my consumer report. 

The response from Equifax, which is attached, not only show that they've received my identity theft report, but has also prove that they've refuse to block the fraudulent information from my consumer report. Which by law they have no grounds to do so being that the request was a mistake by me the consumer, and the identity theft report from the Federal Trade Commission, which is attached, is not a misrepresentation of fact of this fraudulent information, and I did not receive and goods, services, or money for the blocking of this information. 

This company Equifax in violation of my rights as a consumer under the FCRA. Also on the paper they sent, they claim these fraudulent inquiries are a factual record of file. A factual record of file by whom? Not only are these fraudulent inquiries unauthorized by me, but I also did not give any consent to any consumer reporting agency to include this fraudulent information to my report. 

As written by congress the failure to comply with the removal of these fraudulent inquiries makes you liable under section 1681n of title 15.

As a consumer I am demanding that the following fraudulent inquiries are removed within 4 business days of the receipt of this complaint XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2021-08-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

On XX/XX/2021 Equifax received Affidavit of Truth, Invoice and Cease and Desist. Attached please find proof of delivery. On XX/XX/2021 Equifax closed the dispute. Equifax has failed to answer and respond to each of the Facts stated in the Affidavit of Truth. Equifax has failed to pay the Invoice to compensate me for every consumer right violation. And Equifax has failed to comply with Cease and Desist against XXXX XXXX by not deleting this account. XXXX XXXX is to cease desist all communication with me through any and all mediums. A consumer report is in fact a medium. Which means it is a communication. To comply with the Cease and Desist this account needs to be deleted. By Equifax continuing to report this account it is a indirect communication and violation to my Cease and Desist.
Consumer complaint received 2021-07-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XX/XX/2021 My son left my XXXX  at a restaurant which had both my banking app and XXXX  XXXX  signed in. Someone took it and cashed out my checkings account into my XXXX XXXX account and then sent the money to themselves. I no longer have access to my XXXX XXXX because of this. I filed my claim with my bank ( BANK OF AMERICA ) XX/XX/2021. XX/XX/2021 i checked my messages with the bank and they denied my claim for {$3800.00}. I have my rent due XX/XX/2021 and i want be able to pay now because of the unauthorized transaction was denied.
Consumer complaint received 2021-08-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (VT)

I got this loan back on XX/XX/XXXX I have had nothing but problems I only missed one payment but I got caught up it's been since covid-19 had back in XXXX well I ended up losing my job due to covid I kept telling them and missed payments everything I kept in contact with them they were very rude they would call my phone 24/7 non-stop from XXXX XXXX to XXXXXXXX XXXX seven days a week never stop leaving voicemails everything well a month ago I paid the car off which is fine but the point is is the harassment and the late fees and then disabling my starter so I couldn't get anywhere to get money to pay my car it was just I need to know I need to let people know what kind of company this is there are harassing company they are very rude they had no remorse or anything with it for what they had done well I'm a credit report now it's a set of clothes and don't say that I paid it off in full couldn't put nothing positive on my credit report damn all the days I was late on there so yeah it's making me look bad due to covid-19 making a very bad hardship on me
Consumer complaint received 2021-08-04
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: CITIBANK, N.A. (PA)

I have a loan with DSNB MACYS. I have always made my payments on time. I am requesting for a complete payment history of my record, but I have not received any of its kind. I have been contacting XXXX, XXXX, and XXXX  and DSNB MACYS with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2021-08-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021 I opened a saving account with Chase Bank. The account was opened with the intention of receiving my retirement payment. On XX/XX/XXXX, XXXXI received a letter specifying the cancellation of my account. The letter did not explain the reason my account was cancelling, the letter has no signature or person responsible of cancellation. On XX/XX/2021 I called to Chase customer services, and after I was transferred twice, no one was able to explain it. So, next day XX/XX/2021 I went to the Chase branch were I opened my account. I was told that it was a decision made by Corporate office, nothing else. 
I feel discriminated, maybe because I am XXXX or for the small amount of {$300.00} used to open my account. 
Now, thanks to chase, I have to go to different bank to open a new account, call social security department, and start the process again.
Consumer complaint received 2021-08-04
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. (MS)

I consumer XXXX XXXX have submitted documentation over 5 months to the three credit bureaus. All of them have repeating ignore my documentation and fail to verify this account with the name of XXXX. I have provided the promissory note that have no correct signature on it. This is a fraudulent account and they are refusing to update and blocked this account from my Credit report. As a consumer these bureaus are violating my rights the are defaming my character which is violation according to 15 USC 1692d. The are continuously keeping this misleading account on my credit report which is a vioaltion according to 15 USC 1692e. They are using abusive practices according to 15 usc 1692a. The credit bureaus fail to validate this debt repeatedly and its been over 5 monnths which is a violation according to 15 USC 1692g. I have attached documentation that XXXX  AND XXXX  have sent me. I have sent all of these to you all. I have attached a copy of my License and SSC.
Consumer complaint received 2021-08-04
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

I have been disputing the late payments showing on my account for XXXX XXXX  which was already fully paid years ago. They are reporting my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Consumer complaint received 2021-08-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PENTAGON FEDERAL CREDIT UNION (AZ)

My auto loan is paid 3 months ahead but 2 months ago the bank decided to set up autopay without my permission. Took out a monthly payment from my account and couldn't refund me the payment back to my personal checking with a different bank. Yesterday they did the same thing but I didnt have money in the checking account so now I have a fee with them and my personal bank again, penfed doesnt want to refund me the fee from my personal bank checking.
Consumer complaint received 2021-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.
Consumer complaint received 2021-08-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TN)

I have consolidated federal loans from medical school that I have been paying on an income driven repayment plan since XXXX. I am currently a XXXX XXXX XXXX and have been working towards Public Service Loan Forgiveness. I have been making payments through the automatic debit system for the interest rate deduction. My XXXX XXXX XXXX is 7 years long, 2 years of which are dedicated to research. These two research years spanned from XXXX XXXX XXXX. During this time, under a 100 % institutional scholarship, I completed coursework toward a XXXX XXXX. As a XXXX, I was still employed and salaried by the hospital, and thus in XXXX as usual I submitted my yearly employment certification form as well as my yearly income based repayment recertification form, both of which were approved and a new payment amount calculated. Despite maintaining and recertifying my salary and making no tuition payments, my loans went into automatic in-school deferment from XXXX. I was not aware of this and assumed my payments were getting automatically deducted as usual until months later in XX/XX/XXXX when I noted that they were not and filled out a form to cancel the unnecessary deferment. I asked Fedloans to please bill me for those months and allow me to make the payments as I had submitted my ECF and IBR recertification forms and those had been approved, and was not making any tuition payments with the scholarship, thus a deferment that I did not request and was applied automatically did not even make sense, however they have not allowed me to do so. Furthermore, when processing the deferment cancellation request my account went into " administrative forebearance '' until XX/XX/XXXX while they processed the form and therefore I missed out on two more potential PSLF qualifying payments. Despite the deferment beginning in XX/XX/XXXX, my XX/XX/XXXX payment also did not get billed. There are therefore 9 unbilled payments ( XXXX XXXX XXXX  ) that I feel I am unfairly not being allowed to pay that would qualify towards PSLF, when I demonstrated clear intent to continue to make payments by submitting my employment certification form and income based repayment recertification forms on time that year.
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: JPMORGAN CHASE & CO. (TX)

I had an issue with opening my account with XXXX. Created a CFPB complaint and come to know that it was due to Chase. As per XXXX XXXX XXXX response : When an account is opened online, a third party vendor is used to authenticate applicants. I found at the time you applied, your profile with the vendor had been suspended, which caused an automatic decline. 
The suspension was placed in 2008 by Chase Bank, however, weve reviewed and were able to unsuspended the profile. You can now apply online.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

called XXXX XXXX XXXX  end of XXXX, beginging of XXXX requesting Covid assitance. was told XXXX payment would be waived, and next payment due XX/XX/2021. Advised rep that i would pay account off end of XXXX. rep stated that was fine, but would have a late fee if not paid by due date. was also advised by rep that payment would need to be paid prior to XXXX due date to not be reported late. Payment made XX/XX/XXXX, paying account off. received notice in XXXX account was reported 30 days late for XXXX payment. XXXX  refused to correct the error even though payment was paid within 30 days of due date. also still reporting balance due on credit reports, and late when XXXX statement shows payment paid, {$0.00} account balance.
Consumer complaint received 2021-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CO)

I have never had XXXX XXXX XXXX  but i recently went to purchase a home and they pulled my credit and there is a collection on my report from XXXX XXXX XXXX. I tried to find out where this came from with the company but have had no success. It is fraudulent but i can't seem to get it removed from my report. Please assist me any way that you can in resolving this matter. Thanks.
Consumer complaint received 2021-08-05
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: TRUIST FINANCIAL CORPORATION (NY)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft REGIONAL ACC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

Every time I've tried to use Equifax web service to lift a security freeze, it says that I need to call XXXX. I have valid credentials for " MyEquifax '', but as soon as I click " Manage a Freeze '', it tells me I need to call. This same thing has been happening for three years. When it first happened, I pursued getting my web account fixed. I was assured my web account would work next time I tried, but it didn't work. I gave up trying Equifax web site and resigned myself to wasting time on the phone with them. 

Today ( XX/XX/2021 ) I called XXXX 3 times spending over 60 minutes on the phone. The first call, after spending 15 or 20 minutes, I was told they system was down and they could not lift security freezes and to call back in a couple of hours. In a few hours, I wasted another 15 or 20 minutes only to find out the system was still down and to call back in a couple of hours. In another few hours, I called a third time and wasted 30 minutes. This call included answering questions from my credit report, which I had open on the desk in front of me. I answered all the questions, reading things directly off the credit report that Equifax had printed out a few months earlier. The result : I was told they could not process the temporary lift of the security freeze, and I would need to fax a letter or use snail mail.
Consumer complaint received 2021-08-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

I received a letter from Wakefield and Associates on XX/XX/2021 regarding a debt that I could not identify as being mine. I immediately responded and mailed a request a validation that the debt belongs to me. Almost a month later, the company is still calling me even though I already told them that I wish to be contacted by mail only, no phone calls or texts. The lady on the phone claims they never received this letter I sent and I said okay, well I will be sending a new letter and meanwhile do not contact me by phone, this account is being disputed. I immediately send the new letter on XX/XX/XXXX and request debt validation again. Come today, it is XX/XX/2021, I still have not received any response providing proof of the debt or any information I requested but they just reported the debt to the bureaus which to my understanding, while I am requesting this information, they can't report to the bureaus because the debt has not been verified that it belongs to me. I called the company and the gentleman I spoke to was very rude and arguing with me and told me they have no control over it reporting to the bureaus, which is simply not true. The man, XXXX, ended up hanging up on me. They have blatantly ignored all requests for further information regarding this account and went against my rights as a consumer and still reported the account to the bureaus. It has been 2 months and this company is trying to use stall and scare tactics to get me to pay for a debt that they can't even provide sufficient information that it belongs to me. I have been more than patient and gave more than enough time for them to provide this information.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

There's a mortgage delinquency noted on my Experian credit report. I've contacted the company, XXXX, and their investigation has revealed that they did not report to Experian that my mortgage, which was in forbearance, as being delinquent. I've opened a dispute with Experian and was told that it's going to take 30 days to correct. I do not have 30 days. I am in contract to purchase another property and if I don't receive a mortgage commitment within the next 7 days, the contract will become null and void. I've asked Experian to expedite this matter and was told by the rep that they have no control over expediting disputes as it's all done by computer which is a wholly inadequate response. I also opened a chat session on Experian.com and was told via chat that I was correct that XXXX  did not report me as being delinquent. This seems to be an Experian error and I need it corrected immediately.