davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monarch Recovery Holdings, Inc. (CA)

In XX/XX/2020 I received a written notification from XXXX XXXX XXXX , XXXX claiming they were attempting to collect on a debt for the original creditor XXXX XXXX  with an account number referred to as ( XXXX XXXX XXXX XXXX ). 

Upon receiving this information and not having any previous knowledge of the account in question I requested validation under the Fair Debit Collection Act. In my request, I demanded a copy of any and all documentation showing this account was authorized and opened on my behalf including but not limited to a signed agreement. On the contrary to my request I notified Monarch that this account was previously investigated by law enforcement and deemed fraudulent due to identity theft but pursuant to law I would await their proof of ownership. 

On the contrary to my previous position on XX/XX/2020 I received notification including copies of what appears to be a credit card statement. In a review of these documents which did not include what I requested the name and address were both identifiers not associated with me personally. At this present time I have turned the matter over to our attorney for immediate action but I was instructed by law enforcement to open a claim pertaining to Monarch 's failure to comply.
Consumer complaint received 2020-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COMMERCE BANK (MO)

I have already addressed this issue, and now commerce bank has put me back on the credit card and also my credit report. 
Link to last complaint filed- https : //portal.consumerfinance.gov/consumer/s/complaint-detail # XXXX Now it's back on my credit report.
Consumer complaint received 2023-03-24
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I'm looking forward to the prompt update of the following items. Thank you. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2020-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC (OR)

I had an interest refund due from ARC Home Inc., from my house sale. They were to refund {$510.00} to me via check to my new address which was furnished to them prior to the close on XX/XX/XXXX. I did not receive the check by XX/XX/XXXX so I called and spoke to XXXX who said that the refund check was sent to my old address. I waited until XX/XX/XXXX and the check had not yet arrived via forwarding USPS. I called and spoke to XXXX at ARC and he put a stop payment on the check and said he would issue a new check. That same day XXXX from ARC said that the new check would go out on XX/XX/XXXX. Today is XX/XX/XXXX and the check had not arrived. I called today and spoke to XXXX who said the check request was canceled because it has to be 30 days from the time of the first check to write the replacement check. It has been over 30 days and I guess if I had not called they would not have reissued the replacement check. In the meantime, the first check did arrive, but it is no good because there was a stop payment. I did find out that it was NOT sent out until XX/XX/XXXX even though it was printed on XX/XX/XXXX. XXXX said that the new check would be 'cut ' on XXXX XX/XX/XXXX but I doubt that it would be mailed out then. I asked for the check to be expedited due to the long wait for my funds to be returned. She said she could not do that ... I asked to speak to a supervisor and XXXX came on the line. He was condescending and non-cooperative. After enduring his total lack of willingness to assist me and when he asked if there was anything else he could do to assist me, I told him he had not yet assisted me in any way ... .I asked to speak to his supervisor and he said no one was above him. I then asked if he was the President of ARC Home and he said he would see if I could speak to another manager ... but I would probably have to wait 1-2 hours on the phone to do so. It was definitely a power trip. I still am without my funds and ARC Home 's employees are wielding what little power they think they have at the consumers ' expense.
Consumer complaint received 2020-02-21
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. (NV)

I AM VICITM OF IDENTITY THEFT, I HAVE REACHED OUT TO THE BUREAUS NUMEROUS TIMES AND REQUESTED FOR THE FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY. I HAVE SENT MY IDENTITY THEFT REPORT TO THE BUREAUS AND DIRECTLY TO THE CREDITOR. WHAT I DON'T UNDERSTAND IS WHY DO I KEEP SENDING TO THE MY IDENTITY HTEFT REPORT IF THEY ARE NOT GOING TO HONOR ANYTHING, MY STORY IS THE SAME, I AM VICITM AND I NEED THE BUREAUS TO UNDERSTAND THAT. I AM VICITM, I AM VICTIM, THIS FRAUDULENT ACCOUNT NEEDS TO REMOVED.
Consumer complaint received 2020-02-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NM)

I had an issue with my mortgage payments and was in the process with the lender XXXX in a loss mitigation plan and without any resolution they sold my loan to another lender Shellpoint with no details. I started the loss mitigation again with the new lender Shellpoint. My original monthly payment was @ XXXX/month and the trial plan payment was raised to @ XXXX/month. I made the payments with a loan. Then I had to wait for over 100 days for them to complete the loan mitigation and the new loan payment is now @ XXXX/month. I know that the documents were clearly not correct when they sent my paperwork to XXXX. I have researched and it seems there were a lot a illegal procedures done with my loan. Please advise
Consumer complaint received 2020-02-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: STEWARD FINANCIAL SERVICES LLC (DE)

I had an auto loan with Steward Financial back in 2015. Unfortunately I lost my income shortly after purchasing the car and it was repossessed in XX/XX/2015. I did not know my rights back then. When the car was repossessed, I was never provided with any of the legally required documentation regarding the repossession. I was never provided with the option to pay the past due amounts and get the vehicle back. I was never provided any notice of intent to sell the vehicle. I was never provided any documentation showing that the vehicle had been sold, or what the remaining balance on the loan was. Upon reviewing my credit report, it appears that Steward Financial resold the vehicle, which was a 2 year old ( at the time ) XXXX XXXX with all luxury options for less than {$10000.00} which seems far fetched because I had purchased it 1 year prior for over {$23000.00}. I have disputed this information with the credit bureaus, and Steward Financial has certified to the bureaus that the information is correct. However, I mailed a letter to Steward Financial on XX/XX/XXXX asking them to provide copies of the legally required disclosures and I have not received any response whatsoever. Furthermore, when I called the customer service phone number to ask for the information over the phone, I was told that the debt was past the statute of limitations to collect so they would not be communicating with me regarding this debt. That is in violation of the Fair Credit Reporting act, since they are reporting a past due balance on my credit report and have refused to provide me with any notification of the debt!
Consumer complaint received 2020-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

XXXX XXXX is showing as a late payment on my account and it is incorrect. I spoke with a representative at XXXX XXXX who informed me the payment was not late so this is incorrect.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I was informed by a TransUnion employee that I need to submit a FTC report along with my statement and I.D . Please see the items that are attached to this complaint. Thank you.
Consumer complaint received 2021-02-18
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CMRE Financial Services, Inc. (CA)

I have been contacted by CMRE three times about a debt I know nothing about. I have asked them not to contact me in this regard and my request has not been honored. I have never been a patient at XXXX XXXX. I went on XXXX  and that hospital is about 3 hours away from me going one way. I have never been contacted my XXXX  about the unknown debt but all of a sudden I am constantly being harassed by CMRE. I will be filing a complaint with the FTC and the AG office. I want them to cease and desist.
Consumer complaint received 2020-02-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

Every time I spoke to someone, the seemed to be reading from a script, didnt speak very clear English and I would always request for a lower payment. They never wanted to help except to for forbearance. I offered to to set up payments at {$200.00} a month. Something I can afford and they would not accept that. They never listened to anything in regards to my hardship or illness or my effort to to pay at least a portion. 

I was asked to fill out documents for several programs but nothing ever came of it. Not for educators, income based, nothing. 
So what was $ 40K in loans has grown interests into $ 100k. 
I was a teacher for most of my adult life, income was low but not enough to be considered Low-income. Over the years, kids, illness, divorce and no alimony or child support. But none of that is considered. Now I am 20 days from defaulting and am being told they will garnish my wages.
Consumer complaint received 2019-05-02
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. (MI)

These accounts are fraudulent : XXXX XXXX {$490.00} XXXX XXXX {$470.00} XXXX & XXXX XXXX {$520.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-08-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lustig, Glaser & Wilson, P.C. (MA)

Lustig, Grayson and Wilson leaves a recorded message on my telephone twice a week saying to call them to discuss my account. I do not have any outstanding debt, I have seen all XXXX of my credit reports stating this. I have been advised by the Massachusetts Attorney General 's Office to not call these people. I would like them to stop calling and leaving their messages.
Consumer complaint received 2020-02-21
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. (OH)

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

XXXX XXXX is showing as a late payment on my account and it is incorrect. I spoke with a representative at XXXX XXXX who informed me the payment was not late so this is incorrect.
Consumer complaint received 2020-02-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

My name is XXXX XXXX XXXX XXXX. I have received a letter from Discover bank to collect a debt ; however ; I totally do not know about this Discover account. I filed to Identity Theft and Police report to protect myself from this. Now, I submit to this complaint to get further assistance from the CFPB.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-06-15
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. (TX)

I did not open this account and disputed with credit bureau. The investigation determined that the account was verified. I took the steps to contact the company and could not speak with anyone who could explain why it was verified. They could not access my account, nor could they verify my account. I asked to speak with a supervisor, but without verifiable information ( which I could not provide, as it was not my account ), no one could assist me. I do not understand how no one could verify my account, yet they could return a result that verified a debt associated with my name/social security number.
Consumer complaint received 2020-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

I was not given adequate information from the company regarding a late payment and I feel that I was purposely deceived and alluded regarding the situation. I called the university and the company and did not receive information regarding the continued accruing interest and how to rectify this until yesterday when I demanded an investigation into the matter.
Consumer complaint received 2021-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

I applied for the Citi Double Cash Card in XX/XX/XXXX and was told by a representative it had 0 % interest and in fact it still does show on their website under the " 0 % intro APR '' which is a complete and utter lie -- this should be illegal. 
https : //www.citi.com/credit-cards/compare/0-percent-intro-apr-credit-cards I have always paid the minimum payment on time then recognized after reviewing my bill that it was generating interest when it wasn't supposed to be -- this really upset me as a consumer who felt lied to. 

In early XXXX, I had my credit line increased so Citi could make more money off me by trying to saddle me with debt -- below is an article about how XXXX XXXX started this practice. 
https : XXXX On XX/XX/XXXX, I spoke with a representative at Citi Card and he told me he reversed 3 interest charge payments -- except he didn't. 

Apparently it went above him for approval and was denied -- except this was never told to me ... until I called in today on XX/XX/XXXX and spoke with a supervisor who told me " I'm sorry this wasn't communicated to you '' -- these people are liars. 

So then my account generated interested from XX/XX/XXXX to XX/XX/XXXX when I had paid off the entire {$12000.00} balance ( except for the interest fees that were going to be credited back to me ). 

Citi Bank are liars and frauds.
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (AZ)

On or around XX/XX/2020 I applied for a mortgage refinance with PenFed Credit union. I paid a {$500.00} appraisal fee. PenFed approved my loan, but was not able to close my loan ( through no fault of mine ) within 5-6 months. My credit report expired as well as all my documentation and then PenFed asked me to pay a {$5500.00} re-lock fee because they did not have the staff to close the loan within 90 days. I am seeking a refund of my appraisal so I can pursue a refinance with another institution.
Consumer complaint received 2020-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NY)

I had a credit line with XXXX XXXX XXXX ( https : XXXX ). I enrolled the balance into a debt relief program XXXX XXXX ( https : //XXXX  ) which forced the debt to go into collection and later on sold to LVNV Funding LLC - Resurgent Capital Services. XXXX XXXX has reached a settlement a agreement with LVNV and the agreed amount was settled and paid. All my credit bureau reports still reflect the derogatory remark and indicate the balance is still in collection. I contacted LVNV and they asked for XXXX XXXX to contact XXXX XXXX XXXX at ( XXXX ). I contacted XXXX XXXX but they refused to act on my behalf due to my graduation of the program and no longer being a client of theirs. They supplemented me with the settlement letter as an evidence that was issued through XXXX XXXX. Shortly after, XXXX XXXX XXXX called my cellphone in an attempt to collect the full outstanding balance ( pre-settlement agreement amount ) on behalf of LVNV. I explained the situation and they provided me with an email to which they asked to send the settlement letter ( XXXX ) which I have done almost a month and a half ago with no response. The derogatory remark and the incorrect outstanding balance are still reflected on my credit reports and significantly impacting my score negatively. I have opened a CFPB complaint and all involved party have responded inadequately and the issue is still unresolved. As it stands now, one or more of the involved parties have conspired to pocket my payment towards the debt settlement.
Consumer complaint received 2020-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: New Direction, Inc (NY)

I had a credit line with XXXX XXXX XXXX ( https : //XXXX  ). I enrolled the balance into a debt relief program New Direction ( https : //nddebtrelief.com ) which forced the debt to go into collection and later on sold to XXXX XXXX XXXX - XXXX XXXX XXXX. New Direction has reached a settlement a agreement with XXXX and the agreed amount was settled and paid. All my credit bureau reports still reflect the derogatory remark and indicate the balance is still in collection. I contacted XXXX  and they asked for New Direction to contact XXXX XXXX XXXX at ( XXXX ). I contacted New Direction but they refused to act on my behalf due to my graduation of the program and no longer being a client of theirs. They supplemented me with the settlement letter as an evidence that was issued through XXXX XXXX. Shortly after, XXXX XXXX XXXX called my cellphone in an attempt to collect the full outstanding balance ( pre-settlement agreement amount ) on behalf of XXXX. I explained the situation and they provided me with an email to which they asked to send the settlement letter ( XXXX ) which I have done almost a month and a half ago with no response. The derogatory remark and the incorrect outstanding balance are still reflected on my credit reports and significantly impacting my score negatively. I have opened a CFPB complaint and all involved party have responded inadequately and the issue is still unresolved. As it stands now, one or more of the involved parties have conspired to pocket my payment towards the debt settlement.
Consumer complaint received 2019-05-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My Credit report has information that is not accurate. Attached is the ledger from the bank which states my last payment on the XXXX account was in XX/XX/2014. why are they reporting anything past XX/XX/XXXX since I no longer have an account and its all paid. How can I be late on a paid account?