davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Executive Credit Management, Inc (MD)

In the XXXX, I became aware of my identity information being fraudulently used to lease an apartment in another state, resulting in collections activity. I notified the collections agency, Executive Credit Management, and provided the requested documentation. On XX/XX/2021, I received a letter from XXXX XXXX at the company stating they had confirmed my information was fraudulently used. Additionally, she stated that they had closed my file and rescinded all information sent to the credit reporting agencies as of the date of the letter. 

I also reached out to XXXX XXXX XXXX complex and provided them documentation of my stolen identity. Though initially helpful in confirming that the identity document provided by the thief was fraudulent, they never confirmed they had closed the debt. I reached out more than once by email with this request. 

On XX/XX/2021, I received a collections notice, again under the last name used fraudulently, threatening to pursue further collection efforts for the same debt they stated they had closed. I believe this is an attempt by the company to collect on a debt they know was fraudulent and does not belong to me. 

To note, with initial belief that the telephone calls from the debt agency were scams, I filed a prior complaint with CFPB ( case XXXX ). The company responded to the complaint on XX/XX/2021 that they removed their listing from my credit report on XX/XX/2021 due to my identity being compromised/stolen. 

Additionally, when I initially received written notice from this company in the fall I was concerned my identity may have been used fraudulently. I notified the company by certified letter, dated XX/XX/2021 that the debt did not belong to me and also requested the documents to which I am entitled under the FCRA as a victim of identity theft. The organization has still not provided those documents nor acknowledged my request.
Consumer complaint received 2021-11-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (TX)

Collection Agency : PROFESSIONAL DEBT MEDIATION XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Original Creditor Name : CLIENT : XXXX XXXX I XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX TN XXXX Date Assigned : XX/XX/XXXX Date of First Delinquency- XX/XX/XXXX Account Number : XXXX The debt had paid on XX/XX/XXXX, in the amount of {$600.00} after negotiation and they promise that the account will be close and remove from all credit bureaus. 
Now they want more money and telling me to pay, if not they will continue to report. 

XXXX has been past the statute of limitations of Texas. According to Texas statute of limitations and record retention period. I demand that please remove the information from my credit reports and cease all collection activity. 
They never replied to me or communicate with me, I have called so many times with no reply. I was able to reach out to XXXX, but they are very rude, and they are very unprofessional. They start cursing me and telling me to pay more money. 

Best Regards XXXX XXXX, XXXX XXXX : ( XXXX ) XXXX
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Experian, XXXX and XXXX refuse to remove unverified information from my credit profile. I have disputed items on my credit profile numerous times and all XXXX keep sending letter saying all items were verified. These accounts are unverifiable and should be remove immediately, they do not belong to me.
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Hans Capital Group dba H&L Automotive Financial Services (CA)

This 1099 shows H & L cancelled the remaining debt of {$6200.00}, yet H & L is still reporting on my credit that I owe {$6200.00}. The account needs to be updated with a {$0.00} balance because the debt has been cancelled and written off, and can not be paid because they have already reported the amount to the IRS, so on my credit that show be reflected.
Consumer complaint received 2022-11-11
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. (GA)

In late XX/XX/XXXX, I mailed a dispute with FTC documentation to Equifax disputing the inquiries below as unauthorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX On XX/XX/XXXX, I contacted Equifax regarding the above unauthorized inquires on my credit file to no avail. There was sadly a language barrier issue involving the representatives that I spoke with at Equifax, and they did not resolve any of the issues on my credit report listed above resulting in me filing a complaint with the FTC regarding this matter. These inquiries have negatively impacted my credit, and adversely impacted my ability to obtain new credit.
Consumer complaint received 2021-11-23
Product: Mortgage — Reverse mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: AMERICAN ADVISORS GROUP (CA)

I started a refinance on a current XXXX Mortgage. I was approved for the loan and was told that everything would go fine since I was refinancing a current XXXX. Then I was told I had to get a property survey and pay for it out of pocket, the cost was {$2400.00}. I had to use my emergency funds for this survey, then they said it didn't give them the information they needed. They wanted the 100 year flood level. They made me do the research for this information, I contacted the Attorney General 's and was told that this information is not available. XXXX, who does flood zones has the area of where I live under Flood Zone D, it has never been mapped. 

They then would not fund the loan and the reason that was given was I didn't meet the income. This is what shows on my credit report, the real reason was because I was unable to give them information that doesn't exist. 

On top of that they are not willing to reimburse my out of pocket expense. They have been holding {$11000.00} of my money in a trust account for property taxes and homeowners insurance. The only money that has been used out of this account has been for the insurance. I am exempt from property taxes as I am a XXXX Veteran widow. They say they can't reimburse those funds even though they don't pay any property taxes out of it.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Hi I am XXXX XXXX submitting without any influence and this is not a third party. In 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. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX ( Original Creditor : 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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-11
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act STATE DEPARTMENT FEDERAL account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX  XXXX account # XXXX and XXXX XXXX XXXX account # xxxxxx XXXX have violated my rights. 

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
Consumer complaint received 2024-06-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (CA)

On XX/XX/2024, I receive correspondence from Robinhood regarding my account and their decision to close them and the Investment relationship along with that same email the communicated that the remaining funds would be returned within 15 business days of that decision. Fast forward to today, five months later, I have still not received the remaining funds in the accounts, and Robinhood has been absolutely no help in finding a resolution to whatever is keeping them from sending me the money. I have asked them to contact me via phone call and have been ignored. Ive asked them to email me and have been ignored. Ive asked them to provide a solution to this problem and have been ignored.

I filed complaints with the FINRA and XXXX XXXX XXXX Bureau and neither complaint made a difference to Robinhood and they have chosen to continue to ignore my attempts to resolve this. 
Ive communicated that I have documentation to verify the validity of remaining funds in my accounts multiple times via email and have sent countless requests and emails via their application and directly to their support team via emails and have been ignored and refused assistance. Ive tried providing the documents I have for them to review and release the funds they have held without my authorization for the last five months.

Robinhood refuses to provide a way for me to submit the documents and notarized letter to verify the funds in my account. 
I have never experienced something so difficult and impossible to deal with, they ignore and refuse to answer questions or requests for a phone call. 
Its been the worst experience with a company Ive ever had. They should be put out of business. Ive suffered so much due to their negligence and willful ignorance, the financial sets backs Ive suffered along with the emotional and metal stress Ive been under due to their poor customer service and criminal negligence is insurmountable.
Consumer complaint received 2022-11-11
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act STATE DEPARTMENT FEDERAL account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX and XXXX XXXX XXXX account # xxxxxx XXXX have violated my rights. 

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
Consumer complaint received 2021-11-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had several payments that were suppose to post on XXXX XXXX. I was checking my account throughout the day and late into the night to confirm the payments were going through and to make sure I wouldnt overdraft. Not once did my account show it was overdrawn or was going to overdraw. I deposited more money the morning of XXXX XXXX and saw my account was negative due to my bank charging me a total of {$100.00} in overdraft fees. I contacted my bank to get a refund of those charges as there was no reason they should have been charged and were told they could not refund the fees imposed. My account is now in negative balance because of those fees and Im unable to pay other bills that are pending this week.
Consumer complaint received 2021-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (AZ)

My debit card was hacked and used on XXXX. {$240.00} worth of merchandise was charged and shipped to an individual in XXXX XXXXXXXX AZ. Her name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( that is showing on my XXXX receipt ) I immediately contacted XXXX and they cancelled part of the order but were unable to cancel it all as the items were shipped individually. They told me to call my Bank. I called Chase Bank who is saying because the Transaction is pending ( XXXX has noted this is Fraud ) they can not do anything. So as of this morning I have {$7.00} in my account. I am frustrated given XXXX is 2 days away and Chase is supposed to protect my account. Help please. Both entities are pointing their fingers at the other and NO ONE IS DOING ANYTHING!!!!! I have receipt copies of the Fraud charges. Please help me. 
XXXX XXXX
Consumer complaint received 2021-11-23
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc. (NJ)

CHRYSLER CAPITAL FAILED TO Affirmation to Notary of Failure to Produce Freedom of Information Request & Request for Affidavit Certifying Affirmation of Statutory Obligation made to Name of Financial Institution : CHRYSLER CAPITAL AND XXXX XXXX XXXX Specifically the Law includes the National Bank Act also known as the National Currency Act, The Consumer Credit Protection Act, The Fair Debt Collections Practices Act, The Fair Credit Reporting Act, the Truth in Lending Act and any and all laws applicable to Financial Institutions federal, state, or contractual ( commercial ) laws.
Consumer complaint received 2021-11-23
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. (CA)

I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION XXXX ( b ) I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (NY)

XXXX XXXX and LVNV funding ( RESURGENT ) are reporting collection accounts on my credit even though they were PAID and the aforementioned companies confirmed that these accounts will be deleted in their entirety. Please see the attached mortgage credit report from today still showing the accounts when in reality I was promised that they would be removed
Consumer complaint received 2021-11-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and Equifax are violating my rights and the law by reporting a medical bill under my social security credit device without the proper authorization to do so. I requested a copy of the HIPPA release form that authorize XXXX XXXX XXXX XXXX access to my medical file on XXXX but got no reply therefore, my demands were not met, and they continue to report this account # XXXX under my social security credit device ending in XXXX. 
Furthermore, this account is not mine because I have never been to the XXXX XXXX XXXX. I have called them and furnished my personal information and they had no records of me visiting or utilizing services from the facility. 
This is the XXXX XXXX XXXX XXXX reply : " The account in question was turned over for collections XX/XX/XXXX. We received a written dispute XX/XX/XXXX stating identity theft at which time XXXX XXXX supplied us with her driver 's license. We investigated with the creditor who verified the debt and had a copy of XXXX XXXX 's driver 's license which matched. The account was marked a disputed. We will also now send XXXX XXXX verification supplied by the creditor '' ( Please Note that for the second time I have requested verification from the above-mentioned and they have not furnished me that the requested document. yet, the item remains on my Equifax and XXXX credit report )
Consumer complaint received 2021-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NC)

I have received a response from Selene regarding the CFPB XXXXase numberXXXXAccount # XXXX. Property addressXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX 
I spoke to XXXX XXXX XXXX  # XXXX to XXXX on XX/XX/XXXX, I was told that I could stay in forbearance until XX/XX/XXXX. 
On XX/XX/XXXX, I spoke to XXXX, and he stated forbearance ended the end of XX/XX/XXXX. 
On XX/XX/XXXX, XXXX stated forbearance ended XXXX XXXX. 
OnXXXX I sent emails, about starting payment and discussed the deferment option for payment of forbearance monies. 
As Selene stated, they believed erroneously that forbearance ended the end of XXXX, and have put a scenario around that saying I did not make payment in XXXX. I can start making payment to Selene now and do the deferment plan in which the forbearance balance can be put to the end of the loan. 
I am asking that they correct their records to reflect the above documentation, and we can go on from there with a monthly payment of {$340.00}.
Consumer complaint received 2024-05-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

Attended the XXXX XXXX in XXXX. During this time the XXXX XXXX was owned by XXXX. Navient sent an application to me on XX/XX/year> for forgiveness of my loans for school misconduct. On XX/XX/year> Navient denied my school misconduct application, without specific reasons for denial or providing an appeal process to this decision. 

It is common knowledge, that the XXXX XXXX ( XXXX ) defrauded borrowers. My private loans were taken out to attend this college. A recent investigation from the Department of Education found that TXXXX XXXX XXXX engaged in widespread and pervasive substantial misrepresentations that deceived students about the value they would be receiving from their education : XXXX XXXX XXXX advertised that more than XXXX percent of graduates obtained employment related their fields of study within XXXX months of XXXX, but the school 's own records demonstrate that it inflated advertised employment rates. 
The advertisements promoting XXXX XXXX XXXX ' falsified employment rates also displayed inaccurate average salaries that graduates earned from their in-field positions based on the same flawed data as the employment rates. 
XXXX XXXX XXXX also represented to prospective students that it had partnerships with employers and offered ongoing XXXX XXXX services. However, the evidence showed that XXXX XXXX XXXX exaggerated its relationships with employers. In fact, the school had a negative reputation, so companies generally did not want to hire its graduates.
Consumer complaint received 2022-01-17
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)

After recently reviewing my credit report I noticed several inconsistencies regarding the account US DEPT OF EDUCATION - XXXX ) in the ( Date Opened : ) & ( Last Reported : ) ( Date Last Active : ) ( Date of Last Payment ) section. XXXX is reporting date XX/XX/XXXX status, Experian is reporting date XX/XX/XXXX status and XXXX is reporting XX/XX/XXXX dates can't be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. Below you will find a screenshot of the account. Account Name :
Consumer complaint received 2021-11-23
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

i am being charged over XXXX dollars in a late fee even though i'm not late. i am about to pay my mortgage payment and i am in the grace period for the payment and already this comapny has charged me a late fee which is outrageous. i have been ill and that is why i didn't pay on my due date.
Consumer complaint received 2021-11-23
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. (GA)

I sent XXXX rounds of dispute letters for unauthorized inquiries on my credit report. Never received a response back. These companies never looked into my dispute. 
Sent XXXX dispute letter out on XX/XX/21 and again on XX/XX/21 never received a response for either letter. And my disputes are not frivolous. I did attach my drivers license and social security card for verification still no response.
Consumer complaint received 2021-11-23
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. (AZ)

I have the following problems that need to be investigated, unauthorized inquiries, previous addresses and employers that are not mine and late payments and charge off accounts that are not correct and an account that is not mine, a letter is enclosed that explains everything I just submitted this compliant a week ago and you rejected and said it was done by someone else and that was discouraging. I am submitting this on my own and have studied credit disputing so please do not send a letter saying it was done by someone else. I will pursue litigation and seek damages if this dipute is not administrated.