davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-02
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. (TX)

I have attempted to contact the following bureaus XXXX and Experian regarding unauthorized inquiries on my credit bureaus. They have been negligent in aiding my getting this corrected on my credit reports.
Consumer complaint received 2019-10-02
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: Experian Information Solutions Inc. (CA)

After being hospitalized from XXXX XXXX to my child via emergency XXXX, I requested my accounts to be consolidated XX/XX/2019 to better manage my finances. All of my accounts were approved to be consolidated including XXXX/XXXX XXXX. The Bank instead reported these accounts as late which was disingenuous. This issue has caused my stress and more importantly dropped my score to the point that I can not take advantage of the best available rating for a new home. 


Account : XXXX/XXXX XXXX  XXXX ( I have not received a letter of late payment ) this account was confirmed in consolidation and was never late. 

XXXX/XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

I recently became a successor in interest on this loan. I am now trying to assume the losn as I was awarded the house through the divorce and since my ex husband has recently passed away I am trying to assume the mortgage so that I can be obligated on the note. Rushmore Loan Management has told me over the phone on XX/XX/XXXX and also through secure messaging sent to me in late XXXX that they do not allow Assumptions and they are trying to force me yo refinance. My loan is with XXXX XXXX and I believe that they allow Assumptions under certain conditions. I am a single mom with two kids who now no longer have a dad and I am struggling to ensure that not only we keep our home, but ensure I can sell it if I need too. Please assist me in getting this mortgzge company to allow an assumption. I am currently not behind on my mortgage, but they just raised my payments again in the last year due to an escrow analysis and I would not be able to complete a modification if I cant assume the note. Thank you for your help.
Consumer complaint received 2019-10-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NE)

12 yrs ago I started paying in my loan to navient. Originally it was Sally mae. I was always offered only a forebarence. As much as I have paid my loan should have been paid off. The amount never decreases. Multiple times I've made payments that they did not receive and I refused to pay again which caused extra fees. Sometimes I even paid it again just so I don't have them telling me I'm a lier. Everytime I try to pay a little more after finally being offered the based on income and family size they raise the amount of the monthly bill and don't even tell me when they do and they change the due date without even telling you about it. In the end it's always my fault. I swear this should have been paid off by now after paying for over 10 years for a XXXX XXXX XXXX loan. I only went to school for less than a month because I felt the school was scamming me on my education. The teachers just slept and put on movies!
Consumer complaint received 2019-04-04
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (MI)

They will not communicate by email. Their website " contact site '' says : To email us, log in to your account and access the Email Us feature. I am in my account and there is no such " feature ''. It doesn't exist. 

Repeated calls every 2 hours, never leave a message. 

I am behind. No kidding. It is temporary hopefully. No way to communicate that to them without telephone harassment. 

Also says I owe for XXXX but I don't. I have payment coupons from them that says so. Repeat offender over and over through the years.
Consumer complaint received 2022-03-30
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. (NJ)

I, XXXX XXXX, am a victim of IDENTITY THEFT. Please remove charges on XXXX XXXX acc XXXX and REFUND new checking account in the amount of XXXX. Remove unauthorized hard inquiries from XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and all XXXX XXXX of XXXX, XXXX, and XXXX LOANS . Remove email XXXX, and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX as previous addresses. Remove XXXX XXXX XXXX previous employment and XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX as previous phone numbers. Immediately remove and permanently delete all above fraudulent and/or inaccurate data listed above from my report and respond in writing confirming deletions.
Consumer complaint received 2019-05-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

Chase charged my account {$100.00} in overdraft fees. They refunded one. I have an agreement with Chase that when my account gets to or below {$50.00} I am to be alerted. This has been in place for years. On XX/XX/XXXX Chase did not hold up their end of the agreement and failed to notify me. They are claiming that in certain circumstances this can not be done. Well, I have never been informed of these circumstances or guidelines. The manager that I spoke with suggested I visit a branch and find out. I refused as this is after the fact and the manager was unable to determine when I signed up for the alerts. 
My question to him was if your records do not indicate the date of the agreement then how do you know what the agreement states. The agreement had no exceptions. Now the agreement has exceptions for this particular situation.
Consumer complaint received 2019-04-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Complaint against credit bureau XXXX & Transunion. 

I sent 4 letters for them to verify accounts that were reporting to my credit report. I asked for them to mail me a copy of the paperwork with my signature to validate the account was mine. They received all four my letters, and responded back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. That they " updated '' & verified the accounts are mine without showing me any proof. On XX/XX/XXXX they sent a letter stating " Unless you send us additional relevant information to support your claim, we will not reinvestigate this information again. '' How can I so support to my claim on accounts that aren't mine? 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through the physical verification of the original signed consumer contract. They never sent physical verification.

Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

My next step is to take them to small claims count and sue. Send letters and paying for shipping cost me money, and time!
Consumer complaint received 2021-04-01
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (NV)

I was approached by XXXX XXXX  for a free refi on my mortgage which was recently sold to them by XXXX XXXX XXXX ( see below ). The XXXX rep would not provide the details, terms, or disclosure for the offer unless I applied and they could run my credit. Then once I started the process, I was told that as a self-employed applicant that I had to have a median credit score of XXXX ; my scores allegedly being " XXXX '' ( the representative would not provide proof, self pulled scores were higher ), and that they would be declining my application. 

The idea that XXXX would offer a lower rate to check the credit of their newly transferred customers is a scam. 

My representative was XXXX XXXX Senior Loan Officer NMLS  # XXXX XXXX XXXX # XXXX " Welcome to the Freedom Mortgage Family! Recently you received a notice that XXXX XXXX XXXX XXXX, a fully-owned subsidiary of Freedom Mortgage, began servicing your loan. This will not have any impact to your loan number, rate, term, balance or payment method. 

SAVINGS OPPORTUNITY LOWER YOUR RATE Based on an initial review of your account, we can lower your rate and monthly mortgage payment. 
Benefits Include : * Zero lender fees * Lower rate and monthly payment * No appraisal required in most cases * Keep your current remaining term Don't delay as rates can change at any time Lock in your new lower rate today and get started on lowering your monthly payment! 
Reservation # XXXX Phone Icon Call XXXX or visit us online! ''
Consumer complaint received 2023-04-07
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. (SC)

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 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 2019-05-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

There has been multiple attempts of contacting the bankbank of americasince XX/XX/2018 regarding an unauthorized transaction of XXXX. With letters of constant complains follow by a claim number, the bank was never able to follow up or return the money. 

On XX/XX/2018, I got a claim number for the unauthorized transaition. On the letter, it stated that they will issue a temporary credit of XXXX while they conduct a research. I got the credit returned to me but they also said I was going to get a letter in the mail that needed to be signed to confirm the unauthorized transaction. 

On the second trip to the bank on XX/XX/2018, I told them that I neved recieved the mail and so they said they would mail it again. In the end, I still never got the letter in the mail. 

After multiple mulitple calls and in person convefsations, they told me to wait. Yesterday, XX/XX/XXXX, they told me that it is too late and they can not do anything about the transaction anymore.
Consumer complaint received 2019-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (MD)

I have called the company on several occasions since the item appeared on my credit report since XX/XX/2019. Despite continually calling, I have yet to get any representative from the company to answer. If there was an actual debt would the company not have an adequate way of being reached in order to collect on the debts. The debt is fraudulent and I have no other means of reaching the company.
Consumer complaint received 2018-04-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (FL)

I received a letter dated XX/XX/XXXX from IC System demanding a debt in the amount of {$60.00} on behalf of a doctor 's office. On XX/XX/XXXX, I responded in writing and provided information ( credit card payment approval/confirmation code and date payment was made ) which may prove the debt to be invalid. I further requested verification of the debt, such as date of service and type of service. 

Before the end of XX/XX/XXXX, I called their office to provide the information verbally and to request verification of the debt. I was told that that the account is scheduled to be reported to the credit bureau in XX/XX/XXXX ( a specific date was not provided ). The lady I spoke to advised that the creditor will be informed of my dispute and no action will be taken until such time after the debt is verify. 

Since I have received no response, a later dated XX/XX/XXXX was sent certified mail to reiterate my conversation with their staff and my dispute. On Saturday, XX/XX/XXXX, I received an email from my credit monitoring service, that IC System reported the debt to the credit bureau on Sunday, XX/XX/XXXX. 

On XX/XX/XXXX, I called IC System. The gentleman I spoke to said that the system shows the account as being on hold due to a dispute and he is not sure what happened or why it was reported to the credit bureau. 

IC System has violated my rights under the Fair Debt Act, by failing to investigate and to provide verification of the debt.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Payment history for Equifax & XXXX XXXX have two different information on my credit report. Equifax.com reflects I have no account from creditor " truliant '' however when I check my Equifax on XXXX XXXX it reflects I have a closed account with the creditor " truliant " and I missed a payment XX/XX/2020 which is incorrect and needs to be removed. Also there is a XXXX credit card showing a balance of {$1000.00} which was paid off over a month ago I am unsure why that is still reflecting
Consumer complaint received 2019-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (IA)

I have received multiple calls from Credence Resource Management regarding a debt with XXXX that I did not owe, even after explaining to them the debt wasn't mine. 

The company allegedly showed a debt in the amount of {$560.00} for service at an apartment building I hadn't lived at for 5-6 years and that prohibited installing satellite dishes on its roofs. After I explained this to them, they claimed to have removed my telephone number from their records, but they did not. I received several calls from the date they claim to have removed my telephone number ( XX/XX/XXXX ) until the date I submitted a complaint with the XXXX XXXX XXXX ( XX/XX/XXXX ).  Whenever I have spoken to a representative from Credence Resource Management, I advised them I haven't ever had XXXX at that address or any address and that the years of service in question ( mid XXXX ) were after I had moved out of that apartment. Each time, the representative advised he or she would remove my number from their records, but they didn't do that until I spoke to a supervisor advising I had spoken to XXXX and they confirmed I have never had it at any address. 

Credence Resource Management has also claimed to have sent me written proof of the debt in question, but I have never received it, and they have yet to request my current address to comply with their legal requirements. Additionally, if the debt in question was incurred in mid XXXX, they failed to comply with the law by waiting until XX/XX/XXXX to say they sent me validation of the debt. 

Furthermore, they advised me to file a police report for identity theft during one of my final telephone calls with them. However, the debt in question never appeared on my credit report, where I have automatic reporting updates with any change in said report. As such, it makes no logical sense to file a police report for identity theft when there is no proof my identity was compromised. 

Credence Resource Management has apologized through my XXXX  complaint, but maintains they have done nothing wrong. In my research on the matter, I have determined they have violated federal law at least once with their attempts to collect a debt the company for which they claim sent them the account to collect upon advised I did not have an account in the first place. 

I have attached a copy of my XXXX complaint for your reference.
Consumer complaint received 2019-05-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (NJ)

I contacted XXXX XXXX XXXX  on XX/XX/XXXX for a debt in the amount of {$300.00} which my husband and I wanted to settle. I contacted and spoke with an XXXX and the parties agreed to settle the debt in the amount of {$200.00}. ( Confirmation number XXXX ). {$100.00} was to be paid at that time with the additional {$100.00} to be paid XX/XX/XXXX. As I had another bill that was going to be withdrawn from my account I wanted to make sure that there was enough money in my account to cover both bills. 

Pending POS Debit - Visa Check Card XXXX - XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} When I logged in I was charged the full {$200.00}. When I called back I explained that I had another bill coming out and was going to get charged a {$29.00} overdraft fee. I spoke with XXXX XXXX who informed me that yes I was correct on the payment arrangements. That the only thing she could do would be to refund the {$100.00} but it would 48 to 72 hours by the time it would be returned to my account, just in time to be taken back out not to mention still getting hit with the {$29.00} surcharge. 

Tonight I went back on line and it states that we still owe {$100.00} which I believe they have every intention of attempting to collect it on XX/XX/XXXX FILE NUMBER : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Consumer : XXXX XXXX RECEIPT DATE :XX/XX/2019 Amount of the Debt : XXXX Amount as of XX/XX/19 : {$100.00} This is deceptive and theft since the agreement was for a settlement in the amount of the {$200.00} which they have already received.
Consumer complaint received 2023-04-07
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. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Consumer complaint received 2019-05-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (PA)

On XX/XX/2018 a collection account was opened by Ability Recovery Services. This account is still opened to this day. I disputed this account multiple times for proof of debt and have not received any proof. This collection account affects all 3 of my credit bureaus reports. I would like to address this immediately and get this negative remark removed from my credit reports. However, if they can provide me with proof of debt ownership then I would like to arrange an agreement to pay off this debt. If no proof is provided then please remove this collection.
Consumer complaint received 2019-04-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

So I am seeing that EXPERIAN, XXXX, AND XXXX IS REPORTING LATE PAYMENTS ON MY CREDIT REPORT. AS A CONSUMER I KNOW I HAVE NOT GIVEN THEM ANY PERMISSION TO REPORT THESE SUCH ALLEGED LATE PAYMENTS. I AM STRESSED THE HECK OUT BY ALL THIS NONSENSE AND THIS HAS CAUSED HARDSHIP TO ME AND XXXX FAMILY BC OF ALL THIS ALLEGED LATE PAYMENTS ... STOP THIS AT ONCE AND THIS NEEDS TO STOP THEY ARE IN VIOLATION OF THE FEDERAL LAW. I HAVE WRIITEN THEM NUMBEROUS TIMES AND STILL THE LATE PAYMENTS ARE ON MY ACCOUNT. I AM DEMANDING ALL LATE PAYMENTS OFF MY REPORT IMMEDIATELY. ACCORDING TO 15 U.S.Code 1666 ( b ) it states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes. Also 15 U.S.Code 1681 Sectiom 604 ( A ) Section 2 states a consumer reporting agency can not furnish account without my instructions. 15 U.S.Code 1681 Section 602 states I HAVE THE RIGHT TO PRIVACY.. THESE CREDIT AGENCIES ARE IN VIOLTAION OF THE FEDERAL LAW. AS THE COSUMER I DEMAND ALL THE ALLEGED LATE PAYMENTS REMOVED IMMEDIATELY. ... THIS IS A FEDERAL VIOLATION ... REMOVE ALL THE LATE PAYMENTS ON ALL MY CREDIT REPORTS.ALSO DO NOT EVER REPORT ANY ALLEGED LATE PAYMENTS IN THE FUTURE ON ANY OF MY CREDIT REPORTS...
Consumer complaint received 2019-05-08
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. (CO)

I started going to XXXX in XXXX Colorado XX/XX/2013. I took out 2 loans because my financial aid wouldn't cover it all. One loan was for {$3000.00} and the other was for XXXX. The only money I received in my hand was a check for XXXX because they said that isn't the way they do things. Now on my credit report years later I have a loan for {$5500.00} with one acct number that was issued on XX/XX/13 as a student loan, and 2 direct loans with the same acct number for XXXX and XXXX, which include interest. Those 2 loans are probably the right loans. If you add the other 2 loans together, they add up to the same amount of the loan that I am unaware of. Please help me. This isn't right and to boot I have another new loan that is on my credit report from another school. How can the government just hand out student loans to people without verifying their identity?