davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CT)

When XXXX happened in XX/XX/2020, we were offered a 3 month forbearance program where the 3 months would be added to the end of the loan term. On month number 4, i began making my regular monthly payments. I tried unsuccessfully to have them remove me from the program as I no longer needed it and they repeatedly claimed that I was not in the program and they would fix the issue once they caught up with paperwork. The original mortgage company sold my mtg to FREEDOM MORTGAGE where they continued to do the same thing, FRAUDULENTLY keeping me in a program that I did not need nor request and I continued making my monthly payments. After almost 2 yrs, they have taken me out of the program and are demanding I sign a new agreement which changes the terms of my existing mortgage or threaten to start foreclosure proceedings. I have made a payment towards the 3 month forbearance program leaving me with a total due of 2 months currently. They continue to change the original terms of the program and will not work with me after fraudulently keeping me in a program I was making monthly payments on that I did not need! Every month I have had the same conversation with the people at FREEDOM MORTGAGE, that they were keeping me hostage while taking my money. I continue to make my current payments each month, they accept them but do not apply them towards the current month due and instead hold it in an unapplied funds account. Because of their actions, they have destroyed my credit rating and has resulted in credit account cards being shut down and canceled and or lowering my credit amount. 
This company is a debt collector and does not own my mortgage. I demand they be investigated for fraudulently keeping me in a program I did not apply for longer than three months and the proof is in the fact that my payments have been made since month number 4 ( after the 3 month program expired ) I demand an explanation as to why they ignored my pleas to do the right thing while taking my monthly payments. I also demand they correct my credit rating. This is criminal! I have numerous recordings every month calling in demanding an explanation from Freedom Mortgage for all of the above. 
They can not even produce signed paperwork for a forbearance program because they have none.
Consumer complaint received 2024-02-15
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. (MD)

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-05-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (MO)

I discovered on my credit report recently an account in my name for {$900.00} at a local hospital that was supposedly placed in collections in XXXX of XXXX. The problem is that I have never received a bill nor even a letter from any collections agency for this mystery bill, nor can anyone from the hospital tell me what the bill is supposedly for or why its showing as derogatory/in collections on my credit report. In fact, in XXXX of XXXX, I suffered an emergency XXXX XXXX in the middle of the night, resulting in an ER visit and many trips to various specialists, labs for blood work and XXXX XXXX, XXXX XXXX, and an XXXX. I have faithfully paid every medical bill that has come to my home since. I have lived at my current residence since XXXX, so letters from the last 4 years and roughly 8 months would come to my current address. Ive been asking, begging even for answers for months now, but as of this morning, XX/XX/XXXX, even the assistant director of patient financial services at the hospital can not tell me where the {$900.00} bill came from or why Im being reported for it. According to every single person in billing/patient accounts/financial services that Ive spoken to at the hospital, all of my accounts are current and being paid on time, which is precisely my own understanding, as Im the one who pays my medical bills and do not fail to do so. I am very protective of my finances and credit. My spouse and I have worked very hard for 8 years to finally buy our first home, and this surprise derogatory on my credit has made what should be a joyful time for us a complete nightmare. We are not able to move on with our lives until this is rectified due to the harm it could cause us financially. Ive paid thousands in copays and bills already to this very hospital, and this billing error needs to finally be fixed. I have emailed everyone I can email, including the acting president and CEO of the hospital, in hopes that someone will finally end this nightmare. XXXX recommended I come here to file a complaint since the collections agency that has this erroneous account is who is contacted for disputes, not the hospital, so of course, they say its all correct. I have all of the many emails saved to a PDF documenting the months Ive spent asking for answers and help resolving this, and I am happy to provide them in addition to the latest communications that Im including with this report. The file is more than XXXX and I could not upload it.
Consumer complaint received 2022-03-24
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: EQUIFAX, INC. (AL)

My name is XXXX XXXX and I have tried on numerous occasions to get the Bureaus to investigate the fraudulent student loans and inquiries on my credit reports yet they have refused to do so by law. I am asking for help here to assure that the bureaus do their jobs per the FCRA and protect guys like myself the consumer. Please see attached documents.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2022-05-16
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: Experian Information Solutions Inc. (AK)

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

XXXX5 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (TX)

I had received a large amount on my card around XXXX of XXXX I used about XXXX of it and went to jail. When I got out of jail my dad had died and I went to take care of my little sister out of town. I finally went home some months later and realized that I still had money on my card. I noticed that the card was missing so I called and they reviled that almost XXXX had been taken. Beauty salons, bank transactions that were not me. So I send in dispute they acknowledged that it wasnt me that had made the transactions I signed papers and sent in a complaint with card holder services. They write me back XXXX weeks later saying that I benefited in my card being stolen so they wont refund. How did they figure that? Like my card was stolen and money was taken out without my permission and they say I had to have benefited in this theft of mine, like what sense does that make?
Consumer complaint received 2017-08-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIBANK, N.A. (CA)

I made a payment to Citibank in the amount of {$400.00} on XX/XX/XXXX through my bank. Citi is claiming they did not receive {$400.00} instead they are claiming they received {$74.00} on XX/XX/XXXX, which I did not make. I contacted my bank and they confirmed that a payment of {$400.00} was sent to Citi and a payment of {$74.00} was never made. I spoke to 7 different representatives at Citi each telling me that I did not make the {$400.00} payment. Each time they said they could not help me and transferred me to someone new only to be hung up on and placed and left on hold. No one seems to want to help me resolve this. I cant even go online to get a copy of my statement or history so I can ensure that I am being charged correctly. I received a letter stating my account is delinquent but I ca n't get any one to help me resolve this to put my account back in good standing. I do n't want to make any payments to them if they are not recording them correctly.
Consumer complaint received 2015-11-05
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I was foreclosed on in 2008. I feel as though I was a victim of fraud, discrimination, scam, and robo signing. The lender in question is Courntrywide Home Loans, now known as Bank of America. I begged and pleaded with this lender to work with me instead of working with parties involved whom were intercepting my information. Till this day I have no knowledge of how all of these terrible things have taken place to displace us of our home. End resulting of the bank working with this ring whom end resulted in purchasing my home from the bank for {$500.00}
Consumer complaint received 2019-11-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CA)

I have had a Netspend prepaid debit card with no overdraft for a couple years with no problems. Recently at time when my account balance was {$0.00} Netspend claims I purchased XXXX XXXX stuff and they approved a purchase and made my Card balance - {$190.00}. Normally they text me on all transaction but not on this one so when I deposited {$100.00} two weeks after the incident I was surprised to find my {$100.00} unavailable and my account negative another {$99.00}. Only after calling customer service I was informed of the fraudulent transaction for {$190.00} with XXXX XXXX two weeks earlier so I filed a dispute. 
I never ordered, downloaded or used anything on their web site and I couldn't have if I wanted to with no money on my card. The purchase shouldnt have ever been approved if there are no funds. Netspend did an investigation and mailed a letter to me saying that they contacted XXXX  and they said their evidence that the purchase is valid is because they have my financial info that I gave them for my XXXX  wallet account and should be confidential. Having that info is no proof. They said the second thing that is proof is that I went on XXXX " XXXX  '' and downloaded games and virtual currency which not true either and different for their first claim that it was a purchase from XXXX. All of that is irrelevant because anytime there are no funds all transaction are not approved. I disputed the fraud in writing and informed Netspend I never downloaded anything or used anything from XXXX but they are saying I must pay it. 
There are blogs I've found many many people that are having the same problem with XXXX that they never ordered from them but have charges. I don't have a credit card its a prepaid debit meant to never have debt. I don't even have the {$10.00} overdraft. Nothing like this has ever happened in the past and I wonder why they paid this transaction are trying to make me pay it. 
When I contact Netspend they say there's no number I can call to talk to Netspend Dispute Resolution Department and they are the only ones that can do anything about this issue. They also can not give me a phone number to contact XXXX.
Consumer complaint received 2017-08-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (PA)

I have had Navient since they took over my XXXX XXXX loans a few years ago. They have pushed forbearance sand deferment on me and caused my repayment to double. I now owe over {$80000.00}. Also, they have reported me as delinquent to the credit report bereaus when they had told me I was in deferment status and they had never processed the paperwork I sent in to them. This caused me to also be denied loans.
Consumer complaint received 2015-04-20
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (NJ)

My XXXX mortgage was sold to OCWEN in XX/XX/XXXX. Since that time my escrow has been miscalculated requiring yearly catch up. Also, they transitioned to a new " web '' system and now I can not retrieve any payment info prior to XX/XX/XXXX which is affecting a refi with another bank. They are not responsive and have horrible outsourced XXXX based customer service.
Consumer complaint received 2017-08-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Army and Air Force Exchange Service (VA)

I have been contacting/attempting to contact XXXX XXXX of XXXX XXXX XXXX. Since XX/XX/XXXX. I left countless messages, called endlessly and never received a call back. I was told by customer service since I previously filed a complaint no one other than the assigned manager is allowed to speak to me.
I finally spoke to her early XX/XX/XXXX after making at least a dozen calls. At the time we spoke my treasury payment had been intercepted. I explained to her my savings bond redemption had been offset for the amount of ~ {$1800.00}. She told me the credit was not yet applied to my outstanding balance. I asked her to contact me when it had been processed and I also asked to make a settlement offer of {$7000.00}. On XX/XX/XXXX XXXX left me a voicemail. She claims AAFES returned with a counter offer of {$15000.00}. She also suggested I provide her all of my personal financial information to apply for a hardship dismissal of the debt. I asked her to mail me the offer letter and I would review it. I received the letter XX/XX/XXXX. I was told by XXXX that offers have a 60 day payment period, she sent me a notice that payment is due in 30 days. I was also told by XXXX that she would list my original offer on the letter, but that is missing. XXXX told me this debt could be collected indefinitely even after I asked about the 10 year statue of limitation. She used that as an intimidation tactic and falsely implied that by giving her all of my financial information it could help with a new settlement amount. That information was omitted from the correspondence I received.
Consumer complaint received 2021-10-27
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: Unlimited Progress Corp (IL)

I AM ( XXXX XXXX ) AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Creditors Discount & Audit. violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8
Consumer complaint received 2021-07-21
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. (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX ... XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX ... XXXX XXXX  XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

In accordance with the Fair Credit Reporting act XXXX XXXX Account Number : 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-10-27
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: WELLS FARGO & COMPANY (TX)

I was trying to refinance my home today XX/XX/2021 and according to my scores on XXXX  and XXXX is at XXXX but Wellsfargo states that my XXXXredit score is at XXXX : XXXX XXXX : XXXX how can that be fixed I contact both agencies and both have me at XXXX i dont understand how Wellsfargo is getting that credit score
Consumer complaint received 2021-10-27
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)

I am demanding that this information resulting from identity theft, be removed. I have not given any written instructions or any permissible purpose for any of the following inaccurate and unverified information to be furnished. That is a violation of 15 USC 1681b, which constitutes as aggravated identity theft in accordance with 18 U.S. Code 1028A by Experian. 

The term identity theft as described in 15 U.S.Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. 

15 U.S. Code 1681e ( a ) Consumer reporting agencies must maintain reasonable procedures designed to avoid violations under section 1681c which includes violations of permissible purposes, and I am aware that no consumer reporting agency can furnish a consumer report to any person without following all the purposes listed in section 1681b of this title 15.

15 U.S. Code 1681e ( b ) A consumer reporting agency must follow and maintain reasonable procedures to assure maximum possible accuracy of furnished information on my consumer report. 

This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. 

see attached
Consumer complaint received 2021-07-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Finance System of Richmond, Inc. (FL)

I am not liable for this debt with XXXX XXXX XXXX XXXXXXXX and I do not have a contract with FINANCE SYS plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$50.00}