davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MA)

I paid out the XXXX XXXX XXXX XXXX credit card by XXXX XXXX and closed it. months later they start sending me bills to pay and later reported me to collection, now Im getting non-stop calls and letters from Midland Credit Management.
Consumer complaint received 2019-06-19
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. (TX)

Equifax ; XXXX and XXXX are reporting information on my credit report belonging to another person. Please see the attached copy of my credit report. ( I have also attached a copy of my social security card to verify my SSN. ) At the top of the credit report you will see my name XXXX XXXX - and in the section titled Personal Information you will see the name of a XXXX XXXX XXXX, D.O.B. XXXX. Continued throughout the credit report is information pertaining to XXXX XXXX XXXX. I have contacted the ( 3 ) bureaus to remove XXXX XXXX from my credit report however I have not had any success. This incorrect reporting is not only harming my credit score, it is a case of mistaken identity. XXXX XXXX has had issues with the police as well, as you can see by the attached police report. I was stopped by the police recently and when they submitted my information into their system, XXXX XXXX information appeared. I had to provide additional information to the police officer to prove that I was in fact who I say I am. This is a serious issue and I respectfully request it get corrected on my credit report and that XXXX XXXX information be completely removed.
Consumer complaint received 2020-02-17
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: Fidelity National Information Services, Inc. (FNIS) (MN)

The following bank and credit unions thats currently listed on my Chex Systems Consumer Report was previously deleted from my consumer report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, I never applied for any checking account or line of credit from these creditors, but these creditors are currently listed on my Chex Systems Consumer Report. The accounts are fraudulent, unauthorized and not my accounts. I sent a police report to Chex Systems in XX/XX/2019 in regards to these creditors and fraudulent accounts.
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have written several times disputing the XXXX XXXX XXXX bill and it isn't being removed. I asked them to verify that I am the financial party whom signed the documents to be financially responsible for this bill and I am not that party yet these bureaus keep reporting erroneous items. I am not the party that is responsible for paying anyone 's bills but my own. If they would look at the signatures they will see for a fact I am not the responsible party. Made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA this item should have been verified as incorrect and deleted but the bureaus has yet to comply.
Consumer complaint received 2019-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TN)

I requested that AMEX send me my Reward Dollars in a check. The first time I called I was told I had to wait a month while the rewards were posted to my account. When they were posted I could request the refund. I waited the month and called back. I spoke with a representative named XXXX # XXXX who said there was no record of my first call. She said she would correct the matter and I would have a check within 7 days. I waited until XXXX-19, and called again and was told again there was no record of me calling at all. I asked for a supervisor and spoke with XXXX # XXXX who said there was no record of either of my requests and nothing was done on my account. She said would contact her superiors to have the inaction on my first 2 calls investigated. She said she personally had my rewards posted to my next statement and when they appeared I had to call again and request a check at that time.
Consumer complaint received 2019-06-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit, Inc (TX)

To Whom It May Concern, I am writing you in complaint about Audi/VW Financial. I was directed by OCCC to CFPB because of the nature of the loan. I have a lease for 36 months thru Audi Financial. The price of the car was about {$70000.00}. In which I preceded to put {$12000.00} down upfront to get the payment to where I felt comfortable. In all leases there is a total amount due. Usually closed ended leases calculate that as the total of remaining payments ( including interest/deprecation ). Open-ended leases are different story. In my case, ( closed-ended ) I have had this car for 12 months and was hit by a old lady with only liability insurance. Obviously her insurance company did not cover the entire cost of the car in which my insurance, XXXX, covered under underinsured driver. I problem here now lies that Audi gave me a payoff on the lease of {$50000.00}. My insurance, in which I was not at fault and currently suing the other party for injury, is paying out {$54000.00}. Audi financial is stating they are to keep the overage in payoff. I have spoken to 3 supervisor in Audi total loss department and none of them could answer the question Why? I am in the car finance business. I work with both XXXX and XXXX XXXX, which is XXXX XXXX. Nobody in either total loss department could understand why Audi is refusing to give the money back. I reach out to you in hope that I can get some type of help in resolving this problem. I feel that regardless of the car being leased or financed if there is an overage in payoff, paid by insurance carrier would go back to the insured. Reaping the benefit of my good insurance. I do not believe it is lawful for Audi to keep that money. Because where I stand I am getting total screwed by both Audi and the old lady that hit me. XXXX has stepped up to help but their hands are tied. please contact me at the information below. 

XXXX XXXX XXXX XXXX the lease thru Audi is in my wife 's name XXXX XXXX XXXX Audi acct # XXXX payoff {$50000.00} insurance {$54000.00}. 
total diff {$4100.00}
Consumer complaint received 2023-06-12
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Crux Commercial Partners, LLC (TX)

I called XXXX XXXX Partners to apply for a loan as I did with several other Lenders. Trying to find the best rates I had applied with at least 5 lenders. Each lender had me sign something to give them permission to pull my credit report. Crux had me sign something also and I thought they were going to pull credit as well. A couple of days later they called me and asked me to provide my credit report to them through Experion, which I did even though I wondered why they didn't pull it themselves as had the others. I then found out I had been approved through XXXX XXXX XXXX XXXX with a good rate and decided to use them. When XXXX called again I told them I had decided to use XXXX XXXX XXXX XXXX. He then began to pressure me to give him the lenders information and other information regarding the loan I had procured. I was not comfortable with that I didn't tell him, but said he could give me his best and final offer. He then texted later and asked again for my lenders information, I again said that they were competitors and I was not comfortable sharing that information. He said he wanted to call them I told him not to. He apparently did his own research and found my lenders name and number and called her. He proceeded to tell her that he was working with me and that now we would all be working together. She was surprised and didn't give him any information about the loan that he asked her for. He continued to try and reach out to me for the next two days and since I was busy, I responded via text telling him once again I was choosing to go with XXXX XXXX XXXX XXXX, as he could not beat their rates and I thanked him and asked him why he had called her after I asked him not to. He then responded on text and lied saying his partner had called but she had his name..so I knew it was him. He also took credit for getting me the rate with XXXX XXXX XXXX XXXX. He then had his company send her an invoice with the copy of the paper I had signed asking her to send it to title so they could be paid at closing in the amount of {$11000.00} for a consulting fee and application fee. They did not find me a loan and I had no intention of hiring them. I feel they tricked me into signing this paper and now are trying to get me to pay them for nothing. XXXX XXXX and his partner XXXX were the people I was dealing with. I have the texts on my phone if needed
Consumer complaint received 2019-06-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (TN)

I went into EZ Money thinking I was getting a reasonable installment loan to pay off an emergency bill. I received a total of {$2100.00} and now as a result have an almost {$300.00} biweekly payment, specifically {$270.00} for 15 months total payback {$4100.00} with interest and fees.. I do not want to go into default having trouble paying this back. I am simply requesting for a representative to give me a call to get this resolved in regards to the fees and interest being stopped in order for me to pay this back in payments. I do understand the whole concept of interest and fees, but these are way to high and unreasonable, seemingly to be a legal rip off. I do not wish for this contract to be explained for I feel I am very thorough in what I am asking. Again I ask for the interest and fees to be stopped at this point and whatever has accrued to this point I will pay and for me to pay this back as I borrowed. I also ask for the revocation of all withdrawals and deposits be deleted from account. I do want this to be publish so if there is anyone else out here in a crunch to please go to a bank and get a loan, which the bank makes money off of loans as well but not unreasonably. I could have done just that I now wish I would have because I have an awesome credit score and history and I do not want this to interfere. Again I state cease and desist any and all WITHDRAWALS/ DEPOSITS From BANK ACCOUNT AND INTEREST AND FEES UP TO THIS POINT AND ALLOW SUITABLE PAYBACK. PLEASE HAVE CORPORATE representative CALL ME. 

MY NUMBER IS XXXX, THANK YOU!
Consumer complaint received 2023-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (TX)

I submitted a saves application in XXXX and was told 7-15 business days to process it. Never got any updates and asked for them. 
Went to log in on their sight and was met with I needed to create another account with them as my old one was closed. This lead to me having to re apply for the saves plan again. I have also tried to get in contact by phone to have to be on hold for XXXX hrs and then never get anyone.
Consumer complaint received 2019-06-19
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. (KY)

Mailed dispute letter to Equifax to have some errors on my credit report fixed and to have a promotional freeze placed on my credit file. I received two letters in the mail from them. One stating they could not locate my credit file and asked me to send more information to verify who I was, which i sent legible copies of my photo ID and social security cards. Another letter stating that the promotional freeze was placed on my credit file. How can they local my credit file for one but not the other.
Consumer complaint received 2019-06-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I had previously requested information regarding my loan. The problem that I am having is that my loan matured in XXXX 2019 which is when my last mortgage payment would have been due. I received information from the company in response to my original request for information about my account however they did not answer the question as to why they claim that I still owe approximately XXXX dollars. I was never late with my payments and my last payment in XXXX should have paid off my whole loan.
Consumer complaint received 2019-06-19
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: GMA Investments, LLC (SC)

A company named Summit Receivables has been calling my cellphone and now theyre calling my job. I had a payment plan set up with them back in XXXX. I missed one payment. Theyve been threatening this 24 hour notice and that was 1 month ago. I dont know if Im being scammed or not. Ive never known a debt collector to call your job everyday. I just started working here and its embarrassing. I have a lot of debt of course but XXXX never had this much harassment before. Other collection companies give me a lot more decency. There was also another number ( XXXX ) XXXX. They have called my job and did not even disclose who they were to my coworker. This cant be legal.
Consumer complaint received 2015-09-15
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (FL)

I have an American Express XXXX card for my daughter I have had the card now for three years this was the first year that I set up automatic withdrawals I have not been checking the account until this month and there has been a debit coming from the account for XXXX dollars every month for XXXX music which was not authorized I called number on card to report fraud I was informed I would receive a email for fraud three days ago I had not received it yet so I called to check on it and there was no record that I even called I asked to speak a supervisor I called from my cell and have literly on hold for one hour and forty five minutes now and have yet to speak with anyone there was no phone number XXXX under transaction to contact them that is a total XXXX dollar as of this month deducted that I did not authorize I do n't know what kind of company this is and what games they are playing I need a refund for unauthorized charges and this account closed. ASAP
Consumer complaint received 2021-11-09
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. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank You.
Consumer complaint received 2018-02-22
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. (NY)

Hi I am contacting you on behalf of my XXXX  so XXXX XXXX XXXX. I keep receiving bills and calls from creditors saying that my sons owes money when I know this isn't true as my son is only XXXX old and has XXXX. His father was deported for stealing his identity as well as mine and others. Please make these companies remove my sons name from there agencies. My ex husband is taking over my identity as well as my sons I have been reporting him since 2011. My son shouldn't have anything in his name he is a child and he is XXXX.
Consumer complaint received 2018-02-22
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: Experian Information Solutions Inc. (CA)

I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX XXXX sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts In my previous CFPB report to Experian it was claimed that they had sent the information to the credit issuers in question that I sent a FEDERAL AFFIDAVIT of, but I have spoken with XXXX XXXX, and they have told me this is false that they have not received a thing, also I have this in writing from final.
Consumer complaint received 2015-07-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (PA)

This debt is on my credit report as my account but does not match any account numbers or date opened to my accounts. They are on my credit report as a negative item. I have asked for supporting information for the account and there is no information given. The collection company is rude and they demand payment when they call and I have disputed to the credit agencies numerous times to fix my credit and have got nowhere. this is affecting my credit.
Consumer complaint received 2015-06-02
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ENCORE CAPITAL GROUP INC. (AL)

I am on the do not call registry for my cell phone. After XXXX XXXX 2015 I should not receive these calls. I have no debts. I have blocked the number but see online that they will just call from another number. The number they called today is ( XXXX ) XXXX. Any help would be greatly appreciated.
Consumer complaint received 2023-06-28
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. (FL)

XXXX XXXX XXXX Date of BirthXXXXXXXX  XXXX XXXX XXXX XXXX XXXX, fl XXXX Dear [ XXXX / XXXX XXXX Transunion XXXX XXXX I am writing to request an investigation of the following information on my [ XXXX / XXXX XXXX Transunion XXXX credit report : Dispute XXXX : The alleged charge-off of an obligation with XXXX XXXX XXXX XXXX ( original alleged creditor : XXXX XXXX ) ] is incorrect. 
The following is the identifying information of the error : Account # [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXXXXXX  ] [ XX/XX/XXXXXXXX  ] Explanation of my dispute : [ I am the victim of identity theft, and I did not open this account ] To further support my claim, I have attached documentation including : A copy of my credit report identity theft complaint Drivers License SSN card Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

I contacted the current loan servicer Mohela after my loan was transferred from XXXX in XXXX. I contacted the new servicer to make sure payment would be made to the correct account. During the course of the conversation I was told a different payment amount would be assigned. The told me the change was due to the payment program changing from ( for which I applied and was enrolled in REPAY ) REPAY and switched to SAVE. My payment would be significantly higher than the amount previously assigned it was going to change from {$280.00} ( more or less ) to {$620.00}. At that point I complained to the customer service representative. They said that they would readjust the amount to the original amount of {$280.00}. I asked them to put it in writing and send me something to confirm this. They said they would. I never received anything XX/XX/2023. The correspondence I received told me that my payment was not processed by my bank so I needed to correct the bank account information and submit payment. When I logged into the account the amount. The payment amount was over {$4000.00}. The new amount was extremely discrepant, and I can not afford that amount. I am trying to straighten this situation out but Mohela is not giving me the correct amounts based on the programs I am enrolled in.
Consumer complaint received 2023-06-13
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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (DC)

Company : JPMCB account : XXXX In accordance with the fair credit reporting act XXXX XXXX, Has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1692g - Validation of debt law This account with JPMCB has been Charged off but is still reporting late payments and balance to my credit report. I have requested a 1099c form so I can audit them to make sure they are in compliance but have yet to receive one. As it has been remove from 2 bureaus but it still negatively affecting my report on XXXX. 
They are violating 15 USC 1681 e ( b ) for reporting information that is not 100 % accurate.