davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-30
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Franklin Credit Management Corporation (FL)

XX/XX/XXXX, a representative from Franklin Credit came to my house around XXXX. She asked my name and stated that she had a letter for me. I informed her that on the letter my name was spelled incorrectly. She asked for the correct spelling and wrote it on a piece of paper. She stated that the letter was regarding a property that I had defaulted on. I told her that the only property I 've ever owned is the one that I currently reside in. I told her that I did not want to accept the letter since my first name was spelled incorrectly. I told her that I was unaware of the debt because I had been the victim of identity theft years ago. She told me to contact the company to have the matter rectified. 

The letter only contained a note instructing me to call a XXXX number. I called the number repeatedly and it would ring one or two times, then there was an automated prompt, after which the line would disconnect. No one ever answered. A week later I received a certified letter from them detailing the alleged debt I owed from an outstanding promissory note from XX/XX/XXXX. 

I contacted the company and they attempted to try to set me up on a payment plan. I informed them that I was the victim of identity theft and that the IRS and credit bureaus were aware of the fraud. They said they would make note of it on the account. I heard nothing about it for months. 

On XXXX XXXX, a man identifying himself as a sheriff arrived at my house after XXXX. I was served a summons initiated from the company Franklin Credit claimed to be servicing the debt for ( XXXX XXXX XXXX XXXX XXXX ) and give me 20 days to reply with a written response. 

After reviewing the summons and the claims made, there were inconsistencies that I repeatedly pointed out during this process. The incorrect spelling of my first name on the promissory note, in addition to the inconsistencies with my signature are all points that I made in my response. 

At the alleged time of the note, I was a full-time student at a university and also working part-time at that university while living on dorm. I was dependent on my wages and student loans at that time. I informed the representatives that I did n't even qualify for a personal loan at that time, so I know I did n't qualify for a mortgage. 

Unfortunately, my repeated attempts to get the matter rectified has remained unresolved. In fact, the office of the attorney for the plaintiff contacted me to say that they would be proceeding with the lawsuit against me. Despite them requesting my identification, they acknowledged that my first name was spelled incorrectly on all documents, including the notarized promissory note and continued to state that the signature " somewhat '' matched mine. 

I feel as if they are trying to take advantage of me. They are applying many different tactics and trying to force me to pay a debt that is n't mine.
Consumer complaint received 2015-11-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BB&T CORPORATION (MD)

BB & T - constant calling harassing us about wanting fees from our son who had XXXX inactive student accounts from years ago. ( They just now came up with {$80.00} in " fees ''. ) He made the negotiated payment and yet they still call and harass us. Now started calling his cell phone while he is at work. This has got to stop. BB & T is harassing us 3 to 5 times a day over an old, inactive student account. Our XXXX year banking history with them apparently makes no difference
Consumer complaint received 2023-03-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

The account listed below is in direct violation of my federally protected rights under the FCRA pursuant to 15 USC 1681. All three credit bureau are reporting inaccurate information to my credit report hindering me from moving forward with obtaining credit. The company XXXXXXXX XXXX is reporting a charge off with a past due balance which is a direct violation of FCRA rights. A charge off can not have a past due balance. When a debt is charged off to someones name the original company receives a tax break for the full amount of said debt. Also, When a auto loan goes into a default the FDIC pays out the bank threw insurance for said debt. XXXX XXXX has received more than original amount owed on the vehicle including all the money they originally received from me. This debt is also longer than 7 years old. Arizona statute of limitations for debt is 6 years. All Intern making me no longer liable for this debt under the FCRA guidelines. This account is also violating my consumer reporting rights. Investigate the completeness and accuracy of every piece of information. If its not accurate, please remove the account from my credit report immediately. 

Account name : XXXX XXXX XXXX XXXX Account number : # XXXX
Consumer complaint received 2019-07-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

I opened a new Citibank account on XX/XX/XXXX. They advertise that depositing {$15000.00} between your new checking and savings accounts and maintaining that balance for 60 days will net you a {$400.00} bonus 90 days later. I left the required amount in Citibank for the entire 150 days. It's now 152 days later and I still haven't been issued my bonus. When I went into the branch to complain, they told me that the account had to be originally funded via cashiers check ( not cash ) When I told them that wasn't in the terms of the original agreement, was not mentioned in any of the promotional material, and that no one mentioned it to me when I opened the account in the very same branch ( while referencing the {$400.00} bonus specifically ) they told me there was nothing they could do but open an inquiry. 

Here is a link to their promo. The terms are exactly the same with the exception that the offer dates have changed since I opened my account : https : XXXX? XXXX & XXXX ( I will also add this as a screenshot attachment in case that link goes missing ) As you can see there is nothing in there about the method of funding. It just says deposit {$15000.00} in new to Citibank funds between the new checking and savings accounts, and to maintain that balance for 60 consecutive calendar days. That's exactly what I did and I still haven't been given my bonus.
Consumer complaint received 2023-03-20
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. 
The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}
Consumer complaint received 2023-02-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (CA)

I have a Cross Country Mortgage. I can not get their software to work to make a payment. I have been trying for weeks. Weeks ago they told me they knew of the problem and it would be fixed. It has not been fixed. The software does not accept my password, nor does it send a link to another email to re-set the password. I have tried countless times to re-set my password with no luck. They have turned my account over to a collection agency. Meanwhile, I tried phoning Cross Country Mortgage on their number XXXX. I get nothing but silence. This is unacceptable.
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I had 3 accounts that went into collections. When I contacted PRA to settle they informed me that they would remove accounts from collections. I have disputed this over and over and over again and they still remain. All they did was update them to XXXX and paid in full when I was informed that they would be removed. I contacted PRA and they said that they no longer remove collections and only update to zero. Which is not want I was told when I paid these accounts. Apparently it is something that happens with this company. I wish I would have done more research prior to agreeing to give payments.
Consumer complaint received 2020-12-22
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. (GA)

I noticed a Collection on my XXXX, Equifax & XXXX credit report on XX/XX/2020 XXXX XXXX is reporting a balance on my Credit Report for {$3900.00} which is not my Account
Consumer complaint received 2022-12-14
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. (OK)

It has come to my attention that pursuant to the Fair Credit Reporting Act, XXXX, Equifax, and XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C. 1681a : States I have the right to privacy 15 U.S.C. 1681b : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. 

Since I haven't authorized any business or consumer reporting agency to report on my consumer report I am now exercising my right to opt out of any and all authorization I the federally PROTECTED consumer may have given whether it be written, unwritten, verbal and nonverbal pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Consumer complaint received 2019-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My wife and I refinanced our mortgage for this property in XX/XX/XXXX. We set up online bill pay to automatically make payments to the loan account. We even added extra for principal to make an even $ XXXX  monthly payment. In XXXX of XXXX, I went to refinance a different property and learned that we both had a 90 day late on our credit reports that ruined both of our credit scores. Initially I had no idea who Shellpoint was, but I recognized the loan. I learned that XXXX XXXX XXXX sold off our loan to SHellpoint who was the new servisor. XXXX continued to take our checks that were sent via bill pay from our bank and never returned them to the bank as the bank never notified. I learned that SHellpoint ruined our credit scores and never received the payments from XXXX. When I learned this, I made complaints to Shellpoint and also made loan whole to this date. They refuse to remove the negative credit comments which killed our scores. I made several calls to Shellpoint and still have yet to hear and understand why they wont discuss this with me and fix our credit scores. One or the representatives admitted to me that they sent letters to the wrong address, yet they still wont make it right. Please assist us. 

Thanks XXXX and XXXX XXXX
Consumer complaint received 2024-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

Question # 1 : In XX/XX/XXXX, I consolidated my loans in a Federal Direct Consolidation Loan with the Department of Education through Nelnet. From XX/XX/XXXX through XX/XX/XXXX, I made XXXX payments on this loan totaling {$6500.00}. According to Nelnet, on XX/XX/XXXX, my Federal Direct Consolidation Loan was paid in full, through the PSLF limited waiver program. Nelnet claims I am only entitled to monies I paid after my loans were discharged in XX/XX/XXXX. {$6500.00} should have been refunded to me for overpayment with the PSLF Waiver, not the {$610.00} I already received. I have included the payment transactions from NELNET and my Eligibility for Public Service Loan Forgiveness letter from XXXX XXXX in this Reconsideration Request. 
The question I have is whether, under the PSLF limited waiver, am I entitled to a refund of monies I paid toward my Federal Consolidated Loan prior to it being paid in full in XX/XX/XXXX? According to the PSLF limited waiver, refunds for payments over 120 direct loan payments in excess of 120 are eligible for refund, but if you consolidated ( or reconsolidated an existing direct consolidation ) the payments must have been AFTER the consolidation to be refunded. Under the criteria of the XXXX limited waiver, I am entitled to a refund of payments made after XX/XX/XXXX. 
I have attached a copy of the financial transactions after my loans were consolidated in XX/XX/XXXX, along with the letter from Nelnet that indicates I am not entitled to a refund of monies prior to my Federal Direct Consolidation Loan being discharged. 

Question # 2 : On XX/XX/XXXX, XXXX XXXX, the servicing agency that took over servicing my student loans under the PSLF limited waiver, indicated in a section of a letter sent to me : PSLF QUALIFYING PAYMENT DETAILS I had XXXX PSLF Eligible Payments, but had XXXX Qualifying Payments ( Total ). I have attached a copy of the financial transactions after my loans were consolidated in XX/XX/XXXX as well as the letter from XXXX XXXX that indicates the number of payments I made. Under the criteria of the PSLF limited waiver, I should have received a refund of XXXX payments I made in excess of the 120 payments that were required.
Consumer complaint received 2024-03-31
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: CREDIT ACCEPTANCE CORPORATION (NV)

XX/XX/XXXX I gave XXXX XXXX XXXXXXXX for a XXXXXXXX XXXX XXXXXXXX. They advise me I can pay {$580.00} a month for my vehicle. with interest it was {$620.00}. I didnt have a job due to covid and they said they would work with me as long as I had a down payment and showing i had unemployment. 
My vehicle was reposed 4 times because i couldnt afford the payments.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Unauthorized inquiries have appeared on my report by these creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

in  XX/XX/XXXX after being denied a car loan due to a excessive mortgages and car loans on my report that were not mine. I called Transunion to figure out what was going on. at that time I was informed by a representative ( do not have her name on hand ) that Transunion accidentally merged my credit profile with someone else 's who had a similar name. The rep noticed the issue immediately and said it would be corrected. The accounts were deleted from my reports as well as the ssns, address, and phone numbers. Last monthI went into my bank to apply for a car loan and was denied due to excessive inquiries so I go back and look at my reports and low and behold the inquires ( there are still about   XXXX   inquires ) obtained from when report merged with someone 's else that were not removed. so I called back and spoke to another rep ; told her what happened that Tranunion admittledly merged my report and I was told the in would be removed but nothing has been done. on   XX/XX/XXXX  I  sent an email to   XXXX   XXXX   CEO of Transunion about this issue as of yet I have received no email response. so toda y   XX/XX/XXXX  I called back again spoke with a rep and she told me she could not do anything that I had to let them fall off. so I ask to speak with a US rep and she transferred me to   XXXX   in special handlings. She claimed to be a supervisor. she was very rude to me. I explained to her that Transunion informed me that there was an error and m yreport merged with another persons and that I needed these inquiries removed as I did not authorize them they were from the other persons report.   XXXX   so rudely informed me that I needed to file a police report for fraud. but I can not file a police report because there was no fraud it was an error done by Transunion 's internal system ( again wording directly from there company ). please assist me in removed the unauthorized inquires. as they are effecting my credit. the creditors are saying call the bureaus and the bureaus say call the cred
Consumer complaint received 2018-04-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Outsourcing, Inc. (MD)

Receivables Outsourcing is calling from XXXX and leaving messages for a personal friend. ( Most recent call XX/XX/2018. ) He does not and has never lived at our address. This is not a coincidence, but a deliberate tactic to embarrass him into paying a fee or debt. I have no idea whether he owes something or not but I have no intention of raising the subject. It is neither legal nor ethical for them to call us. My privacy was probably breached for this company to obtain my phone number to make these harassing calls. As a retired bureaucrat, I would much rather let them experience my wrath than involve a dear friend. Please ask them to stop. 

If you need the recording the company is leaving, let me know. My husband and I are retired and are happy to talk with your staff.
Consumer complaint received 2023-03-20
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. (AR)

I am submitting you this CFPB Complaint today because a lot of fraudulent infomartion are ind reported on my Credit File. Under the Fair Credit Reporting Act section 605b, I am asking you to please remove the disputed accounts and information off of my Credit File. I did not authorized any of these accounts. Also, some of these accounts were not being reported on the initial report I used to submit my first complaint. In accordance with the Fair Credit Reporting Act section 605b, I am demanding you to please remove the following accounts and information off of my Credit File as soon as possible : 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 XXXXXXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you truly believe that the disputed items belong to me, I require you to please send me copies of documents supporting such claims. If you are not able to present me any documents, I prefer you to please remove the disputed items off of my Credit File as soon as possible.
Consumer complaint received 2023-03-20
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. 
The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (CA)

In late XX/XX/XXXX I had my wife removed as an authorized user from my Navy Federal credit products. Navy Federal is still reporting that account with late payments from XX/XX/XXXX to my wife 's credit. No response has been received from Navy Federal.
Consumer complaint received 2023-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

My password-protected phone was stolen on the XXXX of XXXX, several bank accounts were accessed, including Chime, my primary banking institution. They stole {$2600.00}, pretty much my entire balance, using a " pay anyone '' feature in the app, which allowed all of my money to be transferred to someone I had never interacted with, instantly. I reported my phone and money stolen, made contact with all of my banks to cancel cards, etc. 
Because my other banking institutions had protections in place, Chime is the only one that actually allowed money to be stolen. 
They are FDIC insured, and while they are not technically a bank, they present themselves as one and purport to have the federal and fraud protections of a bank in place. However, they have repeatedly denied my claims and will not issue a reimbursement of any kind. Despite the open police investigation, for which I have provided case numbers and the name of the detective leading the case, they will not even acknowledge that it was a theft. 
They repeatedly refer to it as " an error '' that they are of course, not responsible for. I have plead with them for over a month, the thief took every dime I had, and now I feel I'm being robbed again when my bank turns its back on me in my time of need. Your intervention would be greatly appreciated.
Consumer complaint received 2021-04-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (NC)

I had an American Express business credit card that was involved in credit breach and someone got my number and made fraudulent charges. I tried reaching out to company and they sold the debt to XXXX. I never verified the debt and it was fraud so I filled an FTC report. I was not removed. These charges are inaccurately reporting on my credit.