davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-22
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Student Loan Direct (KS)

I enrolled in the student loan income driven program with student loan direct 1. I have been paying them since 2018 - present. I just found out that the company is fake and ALL my monthly payments, monthly processing fees, and yearly recertification fees have been going to this fake company, and not my actual student loan. This fake company has had access to all my personal information, such as : bank information, social security number, address, phone number, date of birth, passwords, tax information, employment information and paystubs, etc. I have been scammed for thousands of dollars. I'm not even sure what other damage has happened since they have had all my information and taking my money. the webiste for the fake company is : https : //www.studentloandirect1.com/
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2022-07-21
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: RSI Enterprises, Inc. (AZ)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT As a living breathing man I am aware of my unalienable rights which have been infringed upon.I am stopping all communication through medians other than that through Mail as well as a response through the CFPB, I am demanding that you stop all collection activities and that includes reporting anything to my consumer report with the consumer reporting agencies, creditor, and debt collectors. In pursuant to 15 USC 1692C ( C ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I am refusing to pay the alleged debt, and if once again anytime you communicate with me I demand that it must be through mail if not in pursuant to15 USC 1681q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 

I never gave anyone written permission ( permissible purpose ) to furnish my information. I am aware of my open end credit plan as defined in 15 USC 1602 ( j ), With that being said i am also aware of my credit file in pursuant to 15 USC 1681 ( g ) and I want to see the transactional history, I want to see my audit trail ( File : 15 USC 1681 ( g ) ) To verify this alleged debt that you are stating me the living person is obligated to pay i demand my audit trail. If you can not verify this in pursuant to 15 USC 1692g validation of debt then its just an allegation and I will hold someone civil liable in pursuant to 15 USC 1692k Send everything to the address below, and once again that is the only medium of communication We will continue speaking through. 

XXXX XXXX XXXX XXXX XXXX ARIZONA XXXX
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NC)

On XXXX XXXX XXXX double billed my account. I called chime to inform them. They canceled my card without telling me. I had no money on hand. Then XXXX reverse the charge but because there was no card I can't get my money back. I spoke with chime. I filed a dispute. XXXX doesn't have it and chime says I have to figure it out with XXXX.
Consumer complaint received 2022-06-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau of Columbia, Inc. (MO)

I called the hospital on XX/XX/2022. I was informed of collections when I called the hospital to make IN FULL payment for an account. I was unaware of this account ever going to collections. No letter was received or phone call ever made by the hospital or the collection agency. The hospital refused to take IN FULL payment and remove from collection agency and refused to let me speak with a supervisor because it was not the hospitals " protocol ''. Rep was not rude just refused to do what I had asked. I then called the collection agency to inform I am disputing this via email with the hospital and would keep them informed. I confirmed when this was sent to them and that I was unaware of this. The rep I spoke to kept cutting me off and not letting me speak and was rude overall. He informed me that this is reporting on my credit report ( which they can not do legally without notifying and giving a time frame to pay before being reported ). He went ahead and " put a delete code '' to remove from my credit report because they did in fact receive mail back stating I did not live at the address they had on file. This should have NEVER been reported because they did not follow protocol of when and how to contact someone before reporting. The rep then stated I have 180 days but then also stated I have until XXXX to pay. I once again explained that I have no issues paying in full after my dispute with the hospital for not allowing me to pay IN FULL and have this removed from collections. I will keep them updated. He then went ahead and stated they will tell you to contact us and at the end of the day regardless you owe a balance you refused to pay in the first place. Goodbye. VERY VERY unprofessional and rude. 
Once again I was unaware of this bill due to moving and mail getting mixed in. 
The hospital and collection agency did not satisfy the issue at had. Collection agency rep was unprofessional and rude.
Consumer complaint received 2020-06-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (OH)

We applied for a modification with the mortgage company ( Caliber Home Loans ). We submitted complete package in XX/XX/XXXX. The modification cane back with a 5 year lower interest rate, at the end if that term the payment tripled. We called in, and a single point of contact person told us to appeal the decision. We write in again asking for a long term fix. They denied that appeal. They did told us to reapply for another modification, because the first one is off the table. We submitted documents again, the modification payment tripled. We appealed that, and were denied in appeal again. We were told to resubmit, as we did. We submitted on XX/XX/XXXX. We were placed in a forbearance agreement., after waiting thirty days for an answer to the modification. We never agreed to that, or asked for that. Then to cancel that, we had to be recorded saying we refused it, and all rearage would be brought current immediately. Once again not what we asked for. Six months later, we have resubmitted Paper work again for a modification. Each single point if contact has different answers, and no way to get information we need. We are told there is not anyone else to talk to ... a nightmare ....
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CORELOGIC INC (IN)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX XXXX XXXX : XX/XX/XXXX CoreLogic SafeRent, XXXX XXXX : XXXX XXXX Department XXXX. XXXX XXXX XXXX XXXX, California XXXX To whom it may concern : This is a request for my full consumer report. 
Enclosed are the following two documents that verify my identity : Photo ID SS number Utility bill Please send a copy of my consumer report to the address listed above. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been speaking and writing to TransUnion about erroneous information they've got on my credit report, namely, listing showing I owe XXXX XXXX XXXX whicnh is unpaid. I have sent TransUnion corroborating information showcasing that this information is incorrect, including check payments made to XXXX XXXX, yet TransUnion insist on keeping the information on my credit file. 

This has caused and continues to cause me hardship - personal and financial. 

Recently, I lost a construction project because I was refused financial funding due to this report on my TransUnion credit file. I can not get funding for my projects or my business because of this. 

I need this removed from my report immediately and finally. This project happened in XXXX but XXXX XXXX deliberately reported this erroneous information in XXXX so that it could remain on my file. The Director of XXXX reneged on her contract and walked away in the middle of a joint project and pocketed {$72000.00} when she left. I do not owe XXXX XXXX any money. I want my file cleared of this misinformation and my life cleared of this injustice!
Consumer complaint received 2021-10-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TOTAL MORTGAGE SERVICES LLC (IL)

I started a mortgage refinance application on XX/XX/2021. For the most part, everything was going fine until the processor ( XXXX ) asked for my son 's birth certificate. My son is XXXX, and I include him on my income since he gets SSDI. Total Mortgage Services stated they need to confirm our relationship. I told them that this makes no sense why they are requiring excessive documentation to see the relationship. Do other people have to confirm relationships? A birth certificate is extremely sensitive paperwork that should not be floating around in a loan package. I can see a federal or state agency asking for documentation but not for loan. Furthermore, they already had his social security verification letter for income and our bank statement which has both our names listed as owners. XXXX XXXX said he could add my son to the loan which we did not want to do nor is it acceptable to try changing what I already had applied for and my locked rate. The point is I am a senior citizen and my son is XXXX and I feel the excessive asking for his birth certificate is unacceptable and reckless -- this is not normal paperwork for a mortgage. So since I replied to him we are still not providing a birth certificate nor changing the loan application he decided to cancel my mortage application today.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

To whom This XXXX concern, I, XXXX XXXX, am writing this complaint with a sound mind. As of today XX/XX/2022, I am still unable to view my credit report with Equifax. 

I have called multiple times to get this error resolved and have received the case numbers below : case no. XXXX confirmation no. XXXX Each time I call I am advised to upload a copy of my ID which I comply and they make the promise to fix the issue and send the credit report. 
I have not received any follow-up in regard to this matter and this is a hindrance to my monitoring my credit report. They have promised to send me a copy of my report and I have not received a copy of the report yet. 

Please note that I have attached my identification. Further note, that the identification list my address in which has been verified by the phone reps. I have also attached a screenshot of how it looks when I access Equifax via online.
Consumer complaint received 2019-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been trying to remove various fraudulent accounts and inquiries from my credit report. In the month of XX/XX/2018 I mailed Transunion, XXXX   & XXXX asking them to provide me documentation they used to verify these accounts and inquiries. Yet to no avail, All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) and 605 ( b ) and 604 therefore, the fraudulent accounts and inquiries must be deleted from my credit report.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2021 Bank of America XXXX XXXX XXXX XXXX XXXX, Texas XXXX Last 4 digits of ssn : XXXX To whom it may concern, Im writing this letter to dispute the following account : Account number ending in XXXX Balance : {$2400.00} I, XXXX XXXX has received proof from Bank of America that they have certified to XXXX that the following account ending XXXX is accurate and factual. According to 15 USC 1681a ( e ) investigation, it is clearly stated that such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Also pursuant to 15 USC 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 should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states 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 said " ANY '' card. The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below. This should be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I feel like my Im being taken advantage of and being ignored of my disputes. I am demanding that you remove this transaction from my credit report immediately as this is a violation of my rights as a federally protected consumer under title 15 chapter 41 or I will file for litigation due to the stress you have caused me.
Consumer complaint received 2022-08-26
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management (KS)

I received a letter stating I have until XX/XX/22 to dispute all or some of the debt and if i do so in writting collection attempts will stop until info is sent showing i owe the debt. As of XX/XX/22 This debt collector illegally added it to all 3 credit reports. I have called their number several time during this period and I never get to speak to anyone and no one ever returns my calls.
Consumer complaint received 2019-03-26
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: JPMORGAN CHASE & CO. (FL)

XXXX and XXXX are incorrectly reporting me as an Authorized User on Chase Card - partial account # XXXX ( please see page 4 of the attached credit report. ) I called Chase and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2019-03-26
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (GA)

I owe XXXX dollars for lab work I had done a few months ago. Due to my current financial situation, I cant pay it right now. I am a XXXX XXXX XXXX XXXX and do not have excess income. I can pay for food, and living expenses ( living paycheck to paycheck ). The first time I answered the phone for this company he asked me for my credit card number before I could even process who the call was from. When I told him I am not comfortable giving out information over the phone he refused to send me a paper bill ( Its been over a month and I have still not received one ). I hung up because I was unsure if this was even a real collection agency. They have started calling every day, and sometimes several times per day, leaving long messages ( some over two minutes long ) of them breathing loudly into the phone. Im very close to changing my phone number because of this situation. If I had the financial ability to pay the bill, I would have by now. Its frustrating being harassed by this company, and the messages of them breathing into the phone make me very uncomfortable.
Consumer complaint received 2019-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CT)

XX/XX/XXXX received email stating ICR plan was recalculated to {XXXX} XX/XX/XXXX received email stating payment will be extracted XX/XX/XXXX. 
XX/XX/XXXX XXXX notified XXXX XXXX that I was in school. My loans were placed on in-school deferment XX/XX/XXXX to XX/XX/XXXX. I wanted to be on deferment at this time. XX/XX/XXXX to XX/XX/XXXX interest was paid. 
XX/XX/XXXX received a letter stating that annual recertification is coming soon. 
XX/XX/XXXX completed IDR plan request and mailed it. Question # 4 was answered yes that I want to start making payments under this plan immediately XX/XX/XXXX received letter saying IDR was recalculated to {XXXX} and due on XX/XX/XXXX. Letter also states that I am enrolled in direct debit and we will continue to debit your account for your new monthly payment amount. 
XX/XX/XXXX payment was made of {$260.00} XX/XX/XXXX Received a direct debit bill and that the total to be extracted is {XXXX}. Letter also states that I was enrolled in direct debit and the total of {$260.00} would be extracted. This did not occur. 
So from XX/XX/XXXX to XX/XX/XXXX no payments were made. 
XX/XX/XXXX received a direct debit bill and that the total to be extracted through direct debit would be {$260.00}. This payment did occur. 
XX/XX/XXXX received email stating that payment is due and direct debit will occur on XX/XX/XXXX. 
XX/XX/XXXX mailed in School Related Deferment Waiver form and stated on it to continue payments starting XX/XX/XXXX.
Consumer complaint received 2019-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have ( or had now ) 3 Capital One Cards, All three accounts are closed they been paid for no problem for years when I changed banks and set up a new auto pay since the accounts are closed I havent been checking the status when I get them because the accounts are closed if the auto pay is set up theres no reason to look at anything with the account being closed the minimum monthly isnt going to change all of a sudden I get a notice in the mail only notice Ive ever gotten about anything the one of the accounts was sold to collections! 

How? Why? Because even though I turn the auto pay on and set it up it wasnt working no phone calls no notices in the mail nothing such XXXX  way to ruin my credit capital one
Consumer complaint received 2018-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TN)

The problem : I negotiated with Chase to have my debt cancelled and discharged, and we reached an agreement that they would cancel the debt and issue a 1XXXX and I would claim this as income on my tax returns. Chase verified they canceled the account, but is still reporting this account as late each and every month since 2012 even though the debt was cancelled and discharged, I owe them nothing, they won't accept any money, but yet they continue to report on my credit reports that I am 90+ days late EVERY month. This needs to be fixed. I have attached the proof.
Consumer complaint received 2022-07-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Concord Servicing Corporation (NC)

I made an over payment of {$100.00} to Concord Servicing. 
They have acknowledged the over-payment but refuse to make the refund. 

-Account paid in full XX/XX/XXXX XXXX received dated XX/XX/XXXX confirming paid in full -Letter received dated XX/XX/XXXX initiating refund of over-payment -Spoke to customer Service " XXXX '' XX/XX/XXXX advising XXXX I will require a physical check, not an ACH, mailed as the bank account associated with auto drafts is now closed. He confirmed a physical check would be mailed to my home address. 
-Spoke with customer service, " XXXX '', XX/XX/XXXX, confirmed check issued and in the mail -Spoke with customer service. " XXXX '', XX/XX/XXXX. Was told ACH was sent. No physical check was ever mailed -Confirmed with XXXX XX/XX/XXXX ( the facilitating bank ) that no pending transactions and no transaction ID of ACH being ever being received or returned to my closed account. 
XXXXEmail sent to " resolutions '' XX/XX/XXXX requesting assistance with reimbursement. 

This is now over 90 days of chasing {$100.00} due to me.