davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Remex, Inc. (NJ)

I reached out to this company for over 5 years to get this matter resolved and removed from my credit report because this account is not mines. They have failed to show me proof that this account is mines. The information they shared does not match my health insurance company. My insurance doesnt have any knowledge for this account as well.
Consumer complaint received 2019-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (WA)

I paid a debt owed to XXXX in late 2015 for a phone that I used with a former employer. Convergent Outsourcing is claiming that I owe a debt to them for said tmobile debt. Which I do not. Convergent is already damaging my credit due to me refusing to pay for a debt I do not owe.
Consumer complaint received 2019-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I was issued a refund in the amount of {$2200.00} from XXXX to a CLOSED Citizens Bank checking account on XX/XX/2019. Once I discovered this error, I went to a local citizens bank branch in mid XXXX. They told me that if the account was closed then the funds would have been returned to XXXX. So i called XXXX many, many times requesting a trace. They said the funds went to the bank and they do not have them. This issue has been going on since XXXX when XXXX would not allow the order to be refunded. I then filed a complain with the Pennsylvania attorney generals office which you will see the result in the attached files ( if i can attach files ). I don't know what else to do besides file this complaint as both XXXX and citizens bank keep giving me the run around.
Consumer complaint received 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (GA)

This account was included in bankruptcy in XX/XX/2018. With XXXX balance and this account became inactive and cancelled along with the credit card ... In XX/XX/2018, I started getting charges each month which the first charge was {$3.00} which was charged every month with interest, totalling {$190.00}. I disputed this item 2 times asking for specific information showing information proving these charges. Which I have not to this date, been provided any such information. The only thing I received was the information from the credit bureau ( XXXX XXXX XXXX XXXX ) that the information has been verified totally ignoring my request. This incorrect information has affected my credit and I am asking that this item be removed from my report.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

How am I late on payments after a car was repo? 
The vehicle was repo and defaulting on payment at this point .The reporting of late payments after a repo occurring is an error leaving the deficiency balance.The vehicle was repo and defaulting on payment is in accurate. Reporting late payments is a factual error. The account was identified as a repo but you still report late payments.Since the vehicle is no longer in my possession it will be impossible for me to default on a payment .I have the right to an accurate credit file and discrepancies like this is unacceptable so please immediately remove this account and its entirely from my credit file.A monthly payment should not exist after a repo.XXXX  XXXX account number XXXX.
Consumer complaint received 2022-12-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (CA)

I received numerous letters requesting payment from Radius Global Solutions LLC. I disputed the debt in email on XXXX I was instructed to send my email to XXXX. I never heard anything back from the company. I followed up with a dispute and validation letter XXXX I sent the letter certified mail to Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX. I asked them to validate the debts or remove them from my credit report. I again never heard anyting back from them after the 30 day validation request. I followed up with a phone call on XX/XX/. I spoke to XXXX XXXX who confirmed both of my dispute letters were received. I asked to be transferred to a manager and was transferred to XXXX XXXX. I informed her they were in violation of the FDCPA for not validating my debts. I also informed her she was in violation of the FCRA for placing these on my credit report without validation. I asked her to get these negative trade lines removed as soon as possible or I would initiate litigation. This company has failed to provide me with the validation required by law.
Consumer complaint received 2021-07-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (PA)

I contacted XXXX XXXX  Customer Service XXXX today, XX/XX/202, approximately at XXXX XXXX. 

I spoke with two Customer Service Representatives at Chase Bank  : XXXX and XXXX and they both stated, no account in my name, but in order for the emails to arrive in my personal email with someone else 's name, then, that means, my social security number is " COMPROMISED '' and I need to report it to the Credit Bureaus.

Therefore, I have decided to report BANKING FRAUD TO CFPB and THE CREDIT BUREAU 'S FOR HELP.

I informed them of the person 's name that is addressed in the emails, ( XXXX XXXX ) and informed them, I do not know a person with this name. I also, ask, how the account could be granted without confirmation through my email and phone number? There is no confirmation email and phone call, text etc. I received with the name ( XXXX XXXX ) included in my phone or personal email prior. I did not get a solution with the actions of FRAUD at Chase Bank.

FRAUD has been committed in my name at Chase Bank from within. Please help! 
I have not applied and opened a checking, savings, business, or any type of accounts products with Chase Bank, Online or in Person anywhere in the world. Please Help! 

Again, I do not know ( XXXX XXXX ) and I did not authorize, Chase Bank and XXXX XXXX to open and process Chase Bank products using my social security number and personal email.

Thank you for your assistance with this FRAUD in my personal email and use of my social security number online at Chase Bank. 

Best Regards, XXXX XXXX
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : 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 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TN)

I had 2 PAID derogatory accounts on Equifax and XXXX from XXXX XXXX. I was told on multiple occasions that an e-oscar alert was submitted on XX/XX/19 to have the accounts deleted. Both were deleted from XXXX. One remains on Equifax with an original balance of {$1700.00}. Current balance is {$0.00}. I have submitted 2 online disputes with Equifax and both came back valid. When I call XXXX XXXX to give them this information, they just keep telling me to keep waiting.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

EQUIFAX INFORMATION SERVICES LLC XXXX XXXX XXXX XXXX, GEORGIA XXXX NOTICE OF VIOLATIONS AND LETTER OF DEMAND NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT To Whom It May Concern : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device shall be EXCLUDED from a consumers report. The term credit card has the same meaning as in section 1602 ( l ) of this title ( 15 U.S.C ), which is The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress stated ANY card. The credit card is my social security card. This is the credit card that I used to originate EVERY consumer credit transaction thats been reported in my consumer file and my consumer report. 

This Letter shall also, serve as an opportunity to cure the multiple defaults of EQUIFAX regarding my attempts to have my consumer report and file corrected. 

Pursuant to 15 U.S.C 1681a ( d ) ( 2 ) ( B ), which states any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, SHALL be EXCLUDED from a consumers report ; I DEMAND THE FOLLOWING INQUIRIES BE REMOVED FROM MY CONSUMER REPORT AS THEY ARE A VIOLATION OF MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER UNDER TITLE 15 CHAPTER 41 : XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 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 Pursuant to 15 U.S.C 1681a ( d ) ( 2 ) ( B ), 15 U.S.C 1681b ( a ) ( 2 ), 15 U.S.C 1681c-2, I DEMAND THE FOLLOWING ACCOUNTS BE REMOVED FROM MY CONSUMER REPORT AS THEY ARE A VIOLATION OF MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER UNDER TITLE 15 CHAPTER 41 : 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
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Statewide Credit Services Corp. (NY)

The company Statewide Credit Services illegally reported to credit report agencies that I owe them money. The collection agency, Statewide, has refused to produce any documentation that substantiates their claims against me. Upon contact with Statewide, they responded with litigation unless the account is payed When prompted why they are targeting an uninvolved party they responded that spousal attachment justifies their actions. However, I am unable to find reference to such a legal theory anywhere.
Consumer complaint received 2022-01-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Abra (OK)

Per a publicly advertised promotional offering, I signed up for a new account with Abra and provided them the same information Ive provided many other such companies that has been fully vetted and for which there has ever been any issue. Furthermore I attended a video presentation required for the promotion and pasted my particular account number in the comments section for the video for which I should have received a promotional offering of cryptocurrency. After viewing the video, the company shut down the account, as apparently they did thousands of other people, and stated via customer service weeks after I filed support requests that they would not honor the promotion in any way, shape or form for me. The company refuses to provide any rationale why they did this and they refuse to work with me and many other customers to remedy the issue. Complaints have been submitted with the California attorney generals office as well as the XXXX XXXX XXXX in XXXX XXXX against this company and the company has responded to none of the complaints. Furthermore the company states on their website and social media a 72 hour response time related to submitted issues however they took several weeks to respond to any of the tickets I submitted regarding this issue which made trying to remedy the issue nearly impossible because the promotion had a particular time limit addresses to it. I believe this action was deliberate on the part of the company. 

Lastly, several of the email threads between me and customer support have been forwarded to both the CEO and CEO of the company to try to get some resolution because customer service claims they can do nothing about this issue and they refused to provide any reason why this happened or provide any remedy despite the fact Ive pointed out to them that their actions are both negligent, bad faith, injurious, and fraudulent. 

Given the lengths Ive gone to to communicate these issues and try to resolve this issue with the company, its clear their actions are being done very deliberately and something needs to be done regarding the issue that affected me and thousands of other customers as can be seen anecdotally on numerous websites where this company advertised the promotion and customers later complained their accounts were also frozen and the company refused to honor the promotion.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-07-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We were in process of buying home in Hawaii using a Hawaii mortgage company we had used before when we purchased a condo there, Upon going to Bank of America to get my banking info for the mortgage I was heavily wooed by Manger at Bank of America sayin they could give me much better rates credit for being a preferred client I was hesitate and questioned the loan officer if she had done mortgages in Hawaii because things are done a bit different there. She assured me  yes they do and could make the process so much better and easier for me and encourgaged me to cancel my mortgage with the Hawaii lender saying do n't feel bad its done all the time, Well from the very start I was lied to numerous times sayin everything was proceeding I have excellent credit score of XXXX min debt high income and mortgage was small. Every day after saying she had all documents she needed they would keep requesting more and more info stuff I never had to get for any other mortgage. She often did not return phone calls or emails I had signed contract and dates were coming due to have things done wiring more money etc She called me one day sayin everything approved you got your loan Only for me to go to online account to see they were requesting more documents and it was not approved at this point we were getting close for seller to back out because they feared we would not get financed I called her several times it took 3 days for her to call me back and I asked her why did you lie to me saying we got loan when it is showing not approved and really had to confront her and finally she said no you are not going to get loan lender wont insure in that lava zone This after a month of her assuring me everything was going well Also they did appraisial That took them over three weeks to get to my Hawaii mortgage company I had to go groveling back to and in the end the Hawaii lender got me approved quickly got insurance and we closed With Bank of America I almost lost escrow money and the house I dealt with several higher ups as well with Bank America I do n't know how I could be lied to and how much longer would I have been stringed along and lost the house and money
Consumer complaint received 2018-05-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I am a victim of navients tricks that CFPB is suing them for. I co-sign a student loan. Payments were set up for auto pay from checking account, Navient changed the amount of payment without notification. When payment was sent from bank it was rejected, because incorrect amount. This went on over six months. during this time Navient reported the account delinquent, which showed up own my credit report and affected my credit score. At this time I would like to be released from the loan as co-signee. I was told by Navient that the main borrow would have to file for me to be released. I have to way of getting on touch that person. At this time I am homeless and living in my car. I can't afford a place of my own. I just got a bankruptcy discharge in XX/XX/2018. which makes things much harder Especially getting a job or a place to live. With the student loan on my credit report makes it even harder, because it is over 11,000.00 dollars. I am one of those people that I never thought this would happen to me. I Will never help anyone ever again.
Consumer complaint received 2021-07-23
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (PA)

In summer of XXXX, I entered into an agreement with The US department of education for student loans. I'm guessing they assigned Nelnet to manage my student loans. It's been a nightmare ever since. Nelnet falsely reported late payments to the consumer reporting agencies of my student loan accounts that ended up dropping my scores from the low 700s to the mid 400s. Those late payments were false because on each of those days that they claim the account was late, I was in forbearance ( proof has been attached directly fro, the studentaid.gov website. ) These inaccuracies have taken a big toll on my life. They've ruined my reputation on my consumer reports which has led to me being denied credit on so many occasions. It's bad enough being an XXXX American male in this country and how difficult it is to be extended credit. Nelnet made it even worse for me! Theyve prevented me from getting credit cards, apartments, jobs and I can't even qualify for a car. This has forced me to move backwards in these rebuilding times. I've been declined 2 good paying jobs twice because they thought those inaccurate late payments reflected on my character as a person or mean Id come late every day. 

I've also had to live in very undesirable situations because my credit wasn't 'good enough ' for me to live in a better neighborhood. I disputed the late payments with the bureaus in JXX/XX/XXXX and they put them back within 10 days after they were removed per nelnet 's request without even contacting me and I didn't receive a single proof or reason why those inaccuracies were put back on my account. 

I've spoken to someone from nelnet but the the most recent was on the XX/XX/XXXX in the afternoon. I spoke with a woman named XXXX and explained to her how this company has ruined my life by reporting all those inaccuracies and she told there's nothing she can do. After suggesting to speak to someone above her multiple times, she told me she would dispute them for me that's the best she can do and that I'll receive the results in the mail. 

I asked her how long it'll take for me to see those results and she said it'd take 4-5 business days. This was a Friday so I expected a response by Monday XX/XX/XXXX at the latest. Til this day I haven't got a response from them. She also apologized to me for not getting a response for my initial dispute from XX/XX/XXXX because they never sent me any proof to back up these claims. I know by law I'm supposed to receive a validation letter within 30 days of a dispute but haven't received anything. I wonder what they sent these consumer reporting agencies for them to put them back on my profile without my permission.
Consumer complaint received 2021-07-23
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (VA)

MetLife Home Loans XXXX, after soliciting my mother on numerous occasions, on XX/XX/XXXX, coaxed her into signing a fraudulent Closed End HECM loan, without any prior counseling or legal representation. The HECM loan was FHA insured and was written for $ XXXX. The loan paid off the $ XXXX balance of her mortgage, charged her over $ XXXX in closing costs and gave her a mere $ XXXX. 
My mother passed away in XXXX and I am the current title holder on her home. The HECM loan has ballooned to upwards of $ XXXX, an extremely unfair amount and I am seeking a fair resolution as soon as possible. 
My mother who was XXXX years old at that time, had over $ XXXX of equity in her home. She acquired the equity from making a large down payment when she purchased the home. She had a balance of approx. $ XXXX left to pay off her mortgage and her monthly mortgage premiums were very low at approx. {$800.00} per month. She was the widow of a XXXX XXXX XXXX XXXX veteran and was receiving Veterans Benefits and Social Security Retirement Benefits. She had ample health coverage through XXXX and XXXX XXXX. She did not need, nor did she seek out a reversed mortgage. She did not need to sign over her house for the mere $ XXXX they gave her. She had many other options that she did not know about and were not told to her.
Consumer complaint received 2021-12-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I became unemployed in XXXX due to covid. My mortgage lender Mr Cooper if XXXX Texas allowed a forbearance of 18 months which ends XX/XX/XXXX. Despite proving I am now employed and can resume my monthly mortgage payments the advised me unless I pay the entire forbearance amount of {$36000.00} I must short sell or do a deed in lieu. They said XXXX XXXX will not allow for a refinancing of my property. This is completely unfair and I am requesting help. 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX