davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-26
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)

I HAVE SEVERAL ACCOUNT I DO NOT KNOW ABOUT THEY WERE OPEN UP FRAUDLENTLY I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  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 2022-12-28
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: Experian Information Solutions Inc. (GA)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2020-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (CT)

I opened an account with XXXX after moving to a new address. At installation I was told that I had 60 days to cancel service if not satisfied. After receiving my first bill, I was charged for a premier package that I did not authorize and charged installation, and various other charges such as pay per view movies at XXXX each. I called XXXX IMMEDIATELY regarding these charges and was told that someone called in and made these changes which was not me or anyone in my household as nobody was home during the times they stated. I told them I was cancelling and they told me no problem they would zero out the {$620.00} bill. Well to no surprise after reading other peoples comments on XXXX XXXX page they did not do as they said. Seems to be quite an issue of them overcharging and saying oh well well send you to collections. I disputed the collection account with XXXX  which they did find fraudulent and was removed. XXXX  said the consumer disputed my dispute and was not removed and I just submitted the dispute to XXXX. I need to have this removed from my credit IMMEDIATELY before I have to involve an attorney for the company fraudulently using my social security number to try and overcharge me for something I did not consent.
Consumer complaint received 2020-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (FL)

484. Completed prompts in automated system to speak to service agent. System stated that Citi is experiencing a high call volume and I would have to call back later. The system then hung up on me. I attempted to call 3 or 4 times with the same experience. I then called Citi application/sales number XXXX. I was connected to a sales agent with ZERO delay. I asked the sales agent to be transferred to customer service because the automated system was BLOCKING callers from reaching the company. The sales agent was able to connect me to a service agent within 60 seconds. Unfortunately, that call was dropped after a min or two. I called the sales number back again to reach service. Again, no delay getting a sales agent. Asked to speak to service, this time, zero delay getting a service agent on the phone. My phone call concern appeared to be resolved. I am reporting this incident because it appear CITI is INTENTIONALLY making it difficult to call their service line during a time of crisis. This company is INTENTIONALLY making it difficult for customers to make receive any customer support and will likely result in many many less persistent customers getting additional fees that will directly benefit Citi as a result of Citi pretending to be unable to answer any customer service calls.
Consumer complaint received 2020-01-15
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: Avantus, LLC (GA)

I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.
Consumer complaint received 2020-03-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (AZ)

During the Coronavirus crisis many mortgage companies are waiving up to 90 days of payments Roundpoint Mortgage in South Carolina is operating in Arizona and had recently acquired my daughter 's mortgage When she called to today because she recently was laid off because of Coronavirus and was seeking help Roundpoint told that they would give her a 90 day grace period but on day 91 she would be required to repay the past 9p days as well as her current payment and failure to do so they would foreclose on her home How does this happen? Is this legal? We have friends and family who's mortgage companies have waived 90 days We need help immediately
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (IN)

I am writing to formally request the freezing of my account 's. Due to inaccurate information in my credit report, I believe it is in my best interest to temporarily freeze the account until the matter is resolved. 

I kindly request the Consumer Financial Protection Bureau 's assistance in facilitating this freeze and ensuring the necessary steps are taken to protect my financial security. 

Your prompt attention to this matter is greatly appreciated. 

Thank you for your assistance.
Consumer complaint received 2020-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (CA)

I am writing to request your help with TD Bank. I dont know what else to do. So I hope to have a fair solution to this issue that XXXX XXXX  has cause on my credit score. I tried to solve this with them on XX/XX/XXXX but they did not respond my dispute, and they did not even investigate the account or mark the account as disputer ( violation under the Fair Credit Reporting Act ). 

The account I am writing about is the following : FTC REPORT NUMBER : XXXX Account:XXXXxxxxxx Date opened XX/XX/XXXX. Status Closed. {$0.00} balance. 

I am demanding XXXX XXXX  to remove this related to fraud item or I will need to take this issue to court with all my proof.
Consumer complaint received 2020-03-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (FL)

ENHANCED RECOVER COMPANY A DEBT COLLECTOR FOR XXXX XXXX, IS PRACTICING RE-AGING, THEY POSTED A COLLECTION ON MY CREDIT REPORT WHICH HAD A NEW DATE AS A COLLECTION AS OF XX/XX/2020. 

THIS ALSO WAS DONE BY THEM 3 YEARS AGO ON MY CREDIT REPORT AND I HAD IT REMOVED, NOW THEY ARE MAKING IT LOOK LIKE A NEW COLLECTION, AND ITS OVER 10 YEARS OLD.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Attention : XXXX, XXXX, EXPERIAN Per IRS there are two qualifiers for 1099-C Cancellation of Debt : File Form 1099-C for each debtor for whom you canceled {$600.00} or more of a debt owed to you if : You are an applicable financial entity. 
An identifiable event has occurred. 

By definition of the above publication see IRS website link : 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 

I am not obligated for the debt that XXXX XXXX has cancelled as an identifiable event has occurred and the applicable financial entity [ XXXX XXXX ] has filed a 1099C cancellation of debt in which they have already written off. I have explained these matters to XXXX XXXX and they've stated they would investigate the matter and provide a resolution. Meanwhile, I've already provided and obtained proof of the filing of the Cancellation of Debt 1099C by the company ( with proprietary account # 's and identifiers blocked out for my protection and theirs ). This XXXX XXXX XXXX XXXX is now showing on my personal consumer report as delinquent ( which is inaccurate ) It should be shown as a closed account and not as a " charge off '' because the company has cancelled the debt as an identifiable event has occurred per their filing of the 1099C Cancellation of Debt. Also, even though the account is no longer active, the Credit Reporting Agencies are allowing the Lender to update the amount of the debt monthly reporting the amount as {$100.00} higher than the originally cancelled amount which was {$2200.00} and is now {$2700.00}. XXXX XXXX AND EXPERIAN are complicit in the violations committed by The American Express Corporation against the Fair Debt Collection Practices Act 807. False or misleading representations 808. Unfair practices and is in Violation of Fair Credit Reporting Act. The lender has made their money back through insurance and is now trying to collect in addition to what they've been able to recoup which goes against TILA ( Truth In Lending Act ), this practice has not been disclosed in the agreement signed with the Card company. The Bureaus job is to operate in favor of what is right by law for the protect of the consumer, in this case as with many cases, this is not what has been the experience and something needs to change.
Consumer complaint received 2020-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (WI)

Our mortgage was sold to Flagstar Bank in the spring of 2019. We have never been able to get our insurance payment included in our escrow payment even though we had it setup this way with the original lending bank. Flagstar continues to collect escrow payments that include money for insurance but we can not get Flagstar to setup the insurance portion of the escrow account. Both our insurance agent and myself have faxed, emailed and used the insurance link provided by Flagstar to upload the requested insurance documents. Between our agent and myself we have done the requested sending of documents in excess of 10 times. None of these attempts has resulted in Flagstar setting up the insurance portion of the escrow. We ended up paying for the insurance with our own funds last year and then waited for Flagstar to perform escrow analysis and refunded our overage ( should have been used for insurance ). It is impossible to get someone with any knowledge to take care of this issue, I call speak to someone and take their name and when I call back a few weeks later the person is no longer with Flagstar and insurance is still not setup.
Consumer complaint received 2023-07-15
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO. (WI)

XXXXXXXX XXXX  repossessed my car, i file for an extention, and XXXX  XXXX relief, there not helping me. i need that car back, i need to have a way to work. im XXXX years old can not walk that good.
Consumer complaint received 2022-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (VA)

This relates to Fed Loan Servicing. First of all, NONE of their posted telephone numbers are working- when you call, it goes quiet ( no ring ), and they immediately hang up on you. It is outrageous. XXXX, XXXX. XXXX. 

I qualified for the XXXX and my loan was forgiven around XX/XX/2022. I had, in fact, made OVER 120 qualifying payments. Fed Loan told me I would be refunded the amount I have paid over the 120 payments ( ~ XXXX ). They have yet to send me my refund. I can not reach anyone at FedLoan for assistance. 

Thanks, XXXX XXXX
Consumer complaint received 2020-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CO)

I have been trying to resolve a disputed balance with Chase credit card. I filed for Arbitration for disputed amount with XXXX XXXX XXXX on XX/XX/2020 according to Chase credit card agreement terms. Chase did not respond to the arbitration request at all. This is a violation of our credit card agreement. Attached is a letter sent to Chase on this matter by XXXX XXXX XXXX. Chase has to pay the fee and proceed accordingly. If not, Chase should eliminate any disputed balance plus any fees/interests associated with it and reimburse me my arbitration filing fee of {$200.00}.
Consumer complaint received 2021-01-14
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. (NJ)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2021-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NY)

Everything thats on my credit report is due to identity theft and fraud CAUSED BY MY EX WIFE, XXXX XXXX ( AKA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX. She has opened mass amounts of credit cards without my permission or my consent which has to talked over {$80000.00} approximately 18 credit cards IN MY PERSONAL NAME. NOT OUR OR US. 
* IT WAS ALL HER OWN DOING WITHOUT MY KNOWLEDGE. My ss # XXXX DOB : XX/XX/XXXX. 
TIL THIS DAY, SHES ALSO DOING IT TO OUR YOUNGEST SON, XXXX XXXX. ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX. 
*** SHES OPENED MORE CREDIT CARDS IN HIS NAME WITHOUT HIS KNOWLEDGE, PERMISSION NOR CONSENT! SHES RACKED UP/MAXED OUT THOSE TOO. She's ALSO opened a false NEW YORK STATE UNEMPLOYMENT claim under XXXX name. HE got stuck paying unemployment ( SHE WAS POSING AS XXXX EACH WEEK CALLING IN HIS CLAIM ACTING AS IF IT WAS HIM CALLING. WHEN INDEED, IT WASNT HIM. IT WAS XXXX XXXX XXXX ACTING AS IF SHE WERE HIM ) back after he found out, in order to claim it when he, himself came time he really did need it. AS OF TODAYS DATE, SHE HASNT BEEN HELD RESPONSIBLE FOR NOTHING SHES DONE. ( Shell never stop. Been doing thus for years. I divorced her due to this, partly ) SHE, ALSO RECEIVED OVER {$50000.00} FROM AN INHERITANCE FROM HER PARENTS AFTER THEY DIED. BUT HIDES IT IN HER SISTER 'S BANK ACCOUNT IN ORDER TO COLLECT MEDICARE, SOCIAL SECURITY ETC. THATS ALSO FRAUD! SHES NOT, BY ANY MEANS DISABLED AT ALL. SHE LIED AND FAKES IT TO BENEFIT FREE FOR HERSELF. 2 DWIS SO FAR, TOO. SHE LIVES JUST TO SIT IN BARS ALL DAY. I want charges against her to the " FULLEST EXTENT OF THE LAW. '' JAIL TIME. AND FURTHER, BUT A THOROUGH INVESTIGATION. AND ALL NEGATIVE MARKS IMMEDIATELY REMOVED FROM MY CREDIT REPORT! I WANT HER TO PAY ME AND MY SON ALL MONIES BACK ONLY AFTER ALL CHARGES ARE FILED.
Consumer complaint received 2020-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I got a notification that in XXXX of 2020 that a collection account was going on my report. I have credit monitoring and was surprized by this. I have good credit and this made my credit go down. This account does not belong to me. The account in question is from XXXX XXXX XXXX Acct # XXXX. This account also appeared in my XXXX  under a different name which I will supply documentation. The other person claiming this account is XXXX XXXX. I know there has to be a mistake because these accounts do not belong to me. I am writing you because my next action will be legal action if not removed from my report. This has cause me undue hardship with my good credit.
Consumer complaint received 2020-04-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Ftc violations attached The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.
Consumer complaint received 2020-03-25
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: Experian Information Solutions Inc. (MA)

A business alleged that a negative information must be stated on my reports to cause a 243-point deduction. However, did not stand to the challenge of reporting accuracy and has refused to cooperate with investigating the matters in a honest and fair consumer manner, XXXX   XXXX. The bureaus are requested to remove the items over 60-days now and have done little or nothing, some even causing further damage to the reports. It is time to restore my credit to its original state of XXXX points since the disputes have gone on for long enough, i.e. since XX/XX/XXXX to XX/XX/XXXX, and every effort was made to help them reconcile the reports to accuracy including the detailed reporting based on the business ' own printed statements.
Consumer complaint received 2020-03-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (CA)

I contacted Navient about my co-signed private student loan and asked for a 90 day disaster deferment which is listed on their website as available, due to coronavirus. My store XXXX where I work has reduced hours, Im at XXXX hrs now and could drop again in time. Additionally I am already at or below the income poverty line in the State of California struggling to get by as it is before the pandemic. I rent a room in my parents house, I must pay for food and gas still and I am taking a huge risk working at my store where I could contract the virus. I have no health insurance and I have XXXX  XXXX for years now so if I got sick I would not have enough money to pay for treatment. I expect a stimulus check for maybe $ 1000- {$1200.00} but that would not be enough if I was hospitalized. All I asked for was 90 days deferment and they refuse just because Im still employed and because my father is working from home. He has huge medical bills paying for my mom and she just had XXXX, plus debt of his own and hes been on 25 % reduced paycheck for over a year. He can not afford to pay it. Navient only offered to lower the payment from {$250.00} to {$120.00} per month for just a few months which I said I can not afford. 

Additionally, an XXXX XXXX I was applying for got put on hold so I cant even start that to gain experience to get a better paying job so that I can actually afford my bills and get out of debt. This pandemic just deleted my ability to save for an emergency and my future and heres Navient doing nothing to help me. 

Its unjustified and I humane to refuse 90 days deferment during a global pandemic and forcing people to choose from a bill or to taking care of oneself.
Consumer complaint received 2021-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (CO)

I received a debit card in the postal mail yesterday ( XX/XX/2021 ). This was a USBank Debit card but I had closed my XXXX account over a year ago ( probably 2 years ago or more ) When I called XXXX ( usbankreliacard ) at XXXX they were not able to access my information based on the card number but instead wanted me to provide them with my full legal name, my address, my birthday and my full social security number at which point I told them I would not provide that. They then said that there was nothing that they could do for me. 

This is either a scam or USBank trying to get me to be their customer again by sending me a card for an account that I had closed long ago ( for reasons very similar to this ... USBank sending me credit cards that I did not request ).