davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-07
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: The CMI Group, Inc. (GA)

On XX/XX/2020 XXXX XXXX, Credit Management LP, XXXX XXXX  and XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2020-09-23
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nelson and Kennard (CA)

When called from contact number XXXX asked to take information down. I asked the caller by the name of XXXX to provide me the company name and she refused. She stated she can only disclose the nature of the call to the debtor advised that I am requesting the company name and still refused 4 separate occasions.
Consumer complaint received 2020-02-05
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$500.00} -This is not my account.
Consumer complaint received 2019-01-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Palm Beach Credit Adjustors, Inc (FL)

I found out through my credit report that there is a collection from XXXX XXXX XXXX for a medical collection from XXXX hospital. This bill was for my son who is XXXX years old and is XXXX. I contacted the collection agency because I had started a payment arrangement with the hospital itself immediately after receiving the 1st bill. The hospital stopped ticking the funds from my bank account for no reason. I call the collection agency in explain this I even offered to borrow funds from a family member to settle the account but I only hide half of the balance at my disposal. They refused to do any settlement on the account and they said they would continue to report the account of the collection to my credit report. They also said that even if I started on a repayment plan as I originally had with the hospital it would still report me negatively to my credit report. 
Having a special needs child on the XXXX XXXX it's very difficult especially because insurance doesn't cover the majority of any emergency expenses such as his. We were a charge over {$13000.00} just for a one and a 1/2 day stay at the hospital and the insurance covered a portion of it and we were responsible to still pay {$3600.00}. We do not have those funds and have attempted every possible option to avoid this impacting my credit report.
Consumer complaint received 2020-02-05
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. (MI)

I never owed anything to these people. Show my signature in blue ink because these accounts are showing closed and open on my credit report. Itemized screen shots isnt my signature nor my bill.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (NY)

I have tried to call this company to tell this them I never authorized any Inquires with this company XXXX. I never heard of them. I tried calling them on 2 occasions. Each time they said they would remove this Inquiry since I had no clue who they are and never authorized anything. 

I do not have an account with this company. I did not apply for anything with this company.
Consumer complaint received 2021-03-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (TX)

My Navient accounts have been on an income driven repayment plan for {$0.00} over the last 10 years without any prior missed deadlines. 

In late XXXX I submitted an annual renewal application 3 months prior to the original deferment deadline. Shortly after submitting my annual renewal, was in the hospital for over 2 and months fighting for my life from XXXX XXXX and was unable to sign requested documents. 

I explained to Navient representatives that my hospitalized from XX/XX/XXXX to XX/XX/XXXX was related to XXXX XXXX, but they refused to extend deferment and reported my 4 Navient accounts as 90 days passed due to XXXX, XXXX and XXXX
Consumer complaint received 2019-01-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CT)

Ocwen mortgage company took over financing my house from GMAC. Immediately they claimed I hadn't enough insurance. Next they were taken my insurance payments from my mortgage but didn't pay the insurance that was due to XXXX. They claim they couldn't reach them. They allowed my insurance to lapse by not paying XXXX although they had collected the money with my mortgage payment. Next they were trying to strong arm me to accept another insurance company at a much higher rate. Once I found out they purposefully lapsed my insurance I inquired why they hadn't simply paid XXXX insurance. I had never paid XXXX directly since I bought the house. Now my insurance doubled from {$1400.00} a month to {$3200.00} a month. All because they just decided not to pay XXXX. Every month now I have to pay more. This company is totally aggressive in hurting homeowners. Can they be held responsible for causing my insurance to double? Plus they continue to make me pay over my contractual agreement month after month ... My principal had hardly decreased since they took over my mortgage. They are responsible for my insurance lapsing. Can they be held responsible? Thank you
Consumer complaint received 2019-07-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp. (GA)

On XX/XX/2017 I received a welcome email for a SECURED credit card with XXXX XXXX, so I am assuming thats when the card was opened. My opening deposit was {$250.00}. I used the card and all of my {$250.00} and I didnt make any payments. Eventually the account was closed and turned over to a collection agency. 

They are stating that I owe {$210.00}. I feel I do not owe this money because credit was NEVER extended to me. I was told that whatever balance that was left on the account will be taken out of my {$250.00} and the rest returned to me. Ive disputed with the collection agency True Accord and they only sent me 5 statements as proof that I owe. I would like to see ALL statements from beginning to end. They email me constantly and insist I owe money. How can I owe when it was my money that was being used as credit???
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WI)

On XXXX XXXX XXXX, I requested a credit freeze from all three major credit reporting agencies ( XXXX, XXXX, and Equifax ). I mailed letters to the three credit reporting agencies and provided the required documentation. I promptly received letters from XXXX and XXXX which froze my credit report and provided me with a PIN. I have yet to receive a response or a PIN from Equifax. I know Equifax received my letter because they deposited my personal check of {$10.00} which cleared on XX/XX/2017. 

I tried using the Equifax website to log a complaint but their website is useless and does not provide a way to email a customer service representative. There are only service phone numbers which are of no use to me because I do not have the time or patience to wait on hold on the phone for hours. 

I would greatly appreciate if you can help me resolve this issue. 


Thank you.
Consumer complaint received 2019-01-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (IL)

The original financed amount of this car loan ws {$17000.00}. We have paid so far {$31000.00} because of late payments and nonsense fees. The representative explained that there is still a principal balance of {$3200.00} because so much of our payments was applied to these fees and interest charges. 

That means {$13000.00} was not for the car. 
{$12000.00} went to interest and {$680.00} was applied to late fees. 

Now I realize late payments impact a car loan, but this is usury.
Consumer complaint received 2023-06-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-03-02
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. (FL)

I sent a letter to Experian requesting verification of specific items on my credit report. Experian received my letter ( sent certified ) on XX/XX/22. As of today, XX/XX/22, I have not heard from Experian listing results from their investigation.
Consumer complaint received 2021-03-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2023-06-23
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. (TX)

I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be Provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2019-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (FL)

My Name is XXXX XXXX, I have been a victim of identity theft. I have dealt with this haunting issue for almost 10 years or so. 
In XXXX my information was breached due to a local medical facility called XXXX not securing medical records in a proper manner. Someone managed to open up a XXXX XXXX account and order phones which was finally Deleted from my credit report about 2 months ago. 
This same person managed to open up a XXXX XXXX credit card ( Account # XXXX ) in XXXX of XXXX and even managed use of it and made payments. I suspect that it was someone in my city because I never received a card or anything related to it. I tried to dispute this with XXXX  XXXX but they kept saying that the card was mine, I filed reports with the FTC and directly with XXXX, XXXX  and XXXX. 

I also had bank accounts that were opened in my name which the banks were able to close once I disputed and provided proof. XXXX XXXX XXXX and XXXX XXXX  and XXXX XXXX XXXX. All of these accounts were deleted successfully from my credit reports except for XXXX which is still on my XXXX. 

I also had a card fraudulently opened from XXXX XXXX XXXX ( Account # XXXX and, one in XX/XX/XXXX and one in XX/XX/XXXX. 

Finally, the most egregious one was opened in XX/XX/XXXX with Barclays ( Account # XXXX ). this card had the highest credit limit. I need these issues resolved because it has lead to all sorts of issues in my life. 
Ive tried to dispute these with the proper authorities and the companies themselves and Im not sure what kind of information they have but I assure you these credit lines are not mine. 

Attached is the report I filed with the FTC Back in XX/XX/XXXX to have these items removed from my credit report. 
I have also attached my Social Security card and Florida Drivers license. 

At this point I am Disputing the following : Barclays XXXX ( XXXX & XXXX ) XXXX XXXX XXXX ( XXXX  & XXXX ) XXXX XXXX XXXX ( XXXX  & XXXX ) XXXX XXXX XXXX ( XXXX  ) Respectfully, XXXX XXXX XXXX XXXX XXXX CT, XXXX XXXX XXXX FL XXXX XXXX
Consumer complaint received 2018-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC (CA)

1. XX/XX/XXXX I received a credit alert from XXXX as I receive alerts with all activity on my credit report. 

2. The alert indicated a collection reported on XX/XX/XXXX in the amount of {$2200.00} from XXXX XXXX with a open date on XX/XX/XXXX and last payment of {$110.00} that stated the balance effective XX/XX/XXXX is {$2200.00} opened with XXXX XXXX. I never even made a payment of {$110.00} as this account does not belong to me and is a fraud account. 

3. I never received any correspondence from XXXX XXXX or XXXX XXXX via mail or telephone. I have no idea who this company is, I have no credit with this company. If you review my credit inquiries I don't even have any credit from these companies at all. 

4. I attempted to contact them at XXXX and they refuse to assist me and said I owe {$2200.00}. I asked for correspondence because I have no paperwork, statements, calls, or anything, as this is not my account and it is fraud. They just stated I owe them this money and refused to provide me any correspondence. I advised them that this is a fraud account because it does not belong to me. 

5. I disputed with XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX   found the information accurate and refused to remove it from my credit report and told me to contact XXXX XXXX as I did and they refused to provide me with any correspondence as well. I asked XXXX how they were able to find this collection accurate in one day after each dispute and how did they find this to be accurate as this account was never on my credit report and then suddenly 2 years later they report a collection that does not belong to me. Their response was some companies are faster then others and advised me to file a complaint with you.
Consumer complaint received 2019-01-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

Dear Sir/Madam from Consumer Financial Protection Bureau : Please reopen my Case No. XXXX-XXXX. Please refer to the letter below : Dear Sir or Madam : The information in Shellpoint answer to my original request and/or complaint has a lot of misinformation coming from Shellpoint that is why I sent the second complaint to make the information to you since you, The Consumer Financial Protection Bureau, in order to open a new case to be properly reviewed by your Office and by Shellpoint/XXXX  XXXX XXXX/XXXX  and the right answers to my question including what happens to the excess money if XXXX sells the home for more than the amount required to pay back Shellpoint and XXXX  XXXX XXXX because you already closed down my original complaint or case. If CFPB allows Shellpoint to answer incorrectly and incomplete information then where can consumers like us go to for help? I would just like to appeal to people with reasonable and logical way of approach for the best solution that will be most beneficial to all. Please note that XXXX  XXXX XXXX and XXXX did my family a great disservice and although the government penalized them for their mistakes or illegal practices, my family until now had suffered and affected by such practices. 

Please understand our plight and situation as the only request I have made is to give us the time and opportunity to properly sell the home in order that Shellpoint, XXXX XXXX XXXX, and XXXX XXXX XXXX will be paid properly. 

Again, we would like to know what happens with the extra money if during the trustee sale, the amount paid to XXXX is more than the $ XXXX+ amount required by Shellpoint and XXXX  XXXX XXXX because the current value of the home is {>= $1,000,000} to {>= $1,000,000}? 

Thank you very much for your help and quick reply. 

XXXX XXXX, Trustee of the XXXX XXXX XXXX
Consumer complaint received 2024-02-09
Product: Debt or credit management — Student loan debt relief
Issue: Unauthorized withdrawals or charges — 
Company: Chime Financial Inc (MD)

Hi I'm almost XXXX XXXX and on XX/XX/XXXX I was issued a refund for the amount of {$4.00}, XXXX for my student loan from school of which was a federal loan upon receiving the money and my Chime account I had called XXXX because the money was not being shown in my balance and once I got finished talking to a person who stated they work for a customer service rep stole all my funds and sent it to XXXX people that I have no recognition of who he sent these transactions to they are not affiliated with me in any kind of way he had added them on my some kind of way to my child account and then he sent these people money for my chime account. I called Chime once again hoping that I had got in contact with the right person and told Chime what happened with my account that upon speaking to a representative my money was stolen for me and XXXX said they are disputing the situation but I will have to wait until XX/XX/XXXX for them to make up a decision.
Consumer complaint received 2019-01-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2018 I received an email that someone was trying to access my account from unauthorized computerI immediately contacted my bank Wells Fargo ask them to place a freeze on my account which day did they said the only way to access my account would be too coming to the local branch and do transactions that wayI thought everything was fine few days later someone went in my account and sent my account into the negative {$1000.00} Wells Fargo said they would investigate it would take up to 90 days after their investigation they closed my account and trying to hold me responsible for the money taken out of my accountafter research I found it Wells Fargo has done this to several other people in the New York area this is not the first time that they've done this
Consumer complaint received 2018-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

I 'm no expert on this topic and the terms are confusing to me. Part of the problem is that these loans were never properly explained by the school or the lender. After Navient took my loan from XXXX XXXX I called to discuss repayment options. I was clearly talking to a foreign call center somewhere as the first couple of people I talked to had very strong accents and it took a few tries to get someone I could understand at all. I think I may have been misunderstood in my intent as I believe I was put on some sort of " forebearance? '' payment plan. This extended my loan unnecessarily. I should have this loan paid off by now. I tried contacting Navient today and managed to get in contact with a very rude ( but easy to understand ) person who put me on hold indefinitely. They clearly do not want to receive phone calls as they do n't post the number anywhere I could find ( took a number of XXXX  searches ) and I had to battle through the robotic menu system to get a real person. I was hoping to discuss some sort of large, lump sum payment to be done with this company for good, but I was just treated poorly once again.
Consumer complaint received 2023-06-23
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. (GA)

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. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me, and I feel unwell about the situation. I want it gone, and my credit report corrected.