davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
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. (OH)

THIS IS THE THIRD TIME I have filed a complaint about an account from XXXX XXXX XXXX # XXXX. I request the date of last activity or payment any type of verification never received it. I was told that this account would be delete back in XXXX 2022 by the same company and nothing was updated properly. I request that the account be deleted at once.
Consumer complaint received 2015-09-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc. (NC)

A debt collection agency is claiming that they will submit to both my account and my wife 's account on XXXX and XXXX a debt claimed by an HOA as a separate debt each year that the HOA submits the debt as delinquent. Thus, the disputed debt will continue on our credit report in perpetuum. We disputed this debt many times already. Is this legal?
Consumer complaint received 2023-02-14
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: Experian Information Solutions Inc. (VA)

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2019-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TN)

I received an addendum to notice of servicing transfer stating that as of XX/XX/XXXXthe principal of my account is {$13000.00} and on XX/XX/XXXXI received a statement showing my outstanding balance is {$15000.00}. I made a payment for XX/XX/XXXXand XX/XX/XXXXso how did my balance increase to that amount? Also what happened to the payments I made from XXXXXX/XX/XXXX? I have been paying on this mortgage for about 40 years and it should have been paid off in XX/XX/XXXX.
Consumer complaint received 2019-01-31
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 2 issues with Experian and XXXX. First, I have reported several times to Experian and XXXX  that my identity was stolen and that I had reported this previously to the CFPB. I reported to them online and by telephone and they still have shared my personal information to creditors that do not belong to me, as before, the creditors did not have my home address and was able to look into my credit file and obtain my personal information. I have also reported to Experian and XXXX  that the creditor, XXXX XXXX XXXX, in the amount of {$850.00}, that is currently listed on my credit report, does not belong to me and is fraudulent. I also reported to Experian and XXXX  that this account is the 2nd time it showed up on my account and was sold to them by the original creditor named XXXX XXXX XXXX XXXX after it was taken off my credit report the first time. I have filed an identity stolen profile with the CFPB. I would like for Experian and XXXX  to remove this fraudulent account from my report.
Consumer complaint received 2019-07-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Riverwalk Financial Corporation (VA)

From XX/XX/XXXX to current time ( XX/XX/XXXX ) I have been back and forth with a third party company who another party sold my information to for another previous party. I have asked to make a settlement and they said I wasnt eligible to do so ; even though settlement documents were sent out a handful of times throughout the above period. This account is over 7 years old and they keep restarting it on my credit report as if it is recent. The car was repoed XX/XX/XXXX. The car was already auctioned off years ago. I have given them over {$300.00} but stopped to the fact on them trying to keep damaging my credit With no guarantee of removal of discrepancy even after payment. Company is located in Texas, I live in Virginia. Information is also inconsistent across all three credit bureaus.
Consumer complaint received 2021-05-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (AZ)

I told XXXX I couldn't pay my bill as the XXXX  service did not work where I live. No Internet service at my lot I'm renting. Internet service provider took away service after many attempts to fix Internet issues. I called XXXX and finally got ahold of a guy that said he could help if I just PAID {$6.00} a month for 9 months. That's exactly what I did. The next thing I get is phone calls from Convergent wanting an early termination fee of over {$500.00}. If I can't pay my bill, how could they get over {$500.00} from me. I got calls from Convergent all the time, so I blocked them. Now I have a stain on my EXCELLENT CREDIT score and I want it removed. My score dropped XXXX points because of XXXX XXXX said they couldn't do that. I told them to read their notes. XXXX sent me a return box for their TV box for the house and I sent it back. That was a couple months ago.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (WA)

In XX/XX/2022 I made an XXXX purchase which I thought was on my XXXX card, but went to my Chase XXXX card instead. This would have been no big deal except that Chase had decided at random to change my address and so sent me no statements nor emails saying the bill was due or past due. In XXXXXXXX XXXX XXXX  sent me an email saying I had missed a payment on JPMBC, once alerted to this I managed to track down and determine what was going on, Chase admitted they had changed my address and had gotten this new fake address from the post office. After hours on the phone their customer service person agreed to waive all fees and I agreed to pay the original amount that it shouldve been in XXXX of XXXX. They then transferred me to a card supervisor XXXX ID number XXXX so that she could correct my credit report to reflect that I have not missed payments etc. She was extremely rude and simply lied saying that they could only get the address change with authorization from the card holder. At one point she, admitted they had changed the address due to the post office, not to mention several other people I had spoken to that day also stated the address change was because of the post office. She also tried to claim that they could only go by the information given on the original opening of the XXXX account, which of course had my actual Address since I have not moved in 22 years. She absolutely refused to correct the credit report and when I called to pay the original amount had put some kind of flag trying to reinstate all late fees, interest etc. my attorney advised me to pay no more than the corrected amount since they had randomly decided to change my address, and to file this report.
Consumer complaint received 2019-07-29
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: Collins Asset Group, LLC (OH)

I am making payments to pay this amount I owe I should have not still have a bad negative on this report I am making my payments on time please check this out thank you mr XXXX
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have a car loan that is reporting on my credit report. I never received a letter stating how much it was sold for or current balance. They are still reporting incorrect balance because I never did receive that information. I have tried to reach out them but they have not responded or keep trying to verify incorrect information. I want it removed from credit report. 

It is a car loan reporting for XXXX XXXX that was a charge off. This information is not correct and noone will respond.
Consumer complaint received 2018-02-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (ID)

I don't have specific dates but over the past five to seven years I have asked XXXX XXXX and now Navient to send me a detailed statement that includes the amount of the original loan consolidation , the dates and amounts of my payments over the past ten years and details as to how those payments have been applied to my loan.  I have never received this information.  They always send me a loan total that never changes; over $27, 000 and they refuse to tell me why I have made no progress on reducing the amount of my loan.  Now, as I am inquiring about the Public Service Loan Forgiveness program, they tell me that I have to convert my loan back to a Direct Federal Loan and start my 120 payments (ten years) all over again.  This leaves me feeling hopeless.  The only ray of sunshine; I will XXXX someday and the loan will XXXX  with me.
Consumer complaint received 2018-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NJ)

I started the modification request process on XX/XX/XXXX. After months and months of delays by Shellpoint ( including no response, repeated requests for same documents and etc. ), I finally received verbal and written confirmation ( see letter dated XX/XX/XXXX ) that the file was complete and was being submitted to underwriting. I then received the letter dated XX/XX/XXXX stating it had been denied because I haven't provided the documents requested!!! I called and wrote a complaint to them asking how it was possible that after finally acknowledging that it was complete on XX/XX/XXXX, could they send me a denial on XX/XX/XXXX based on incomplete information. They said they would respond within XXXX days. When I didn't hear back from them within XXXX days, I followed up. I then received a letter stating they would respond to THAT within XXXX days. I then called them and they said because so much time had elapsed, I'd have to start the process over!!! I explained to the representative and then to the the XXXX that I was waiting for a response as to how they could possibly decline for being incomplete when they acknowledged that it WAS complete. They said they would escalate to management and get back to me. That was several weeks ago and I haven't heard back from anyone! Now the XXXX XXXX sale is scheduled for XX/XX/XXXX and my family and I risk being evicted. PLEASE help me in getting them to respond to my modification request. I want to work out a payment schedule and try to save my home. 

I have attached the pertinent documents but certainly can provide anything else you XXXX need.
Consumer complaint received 2018-05-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (CT)

Dear CFPB : I have been struggling to pay my mortgage for over a year now. I concluded I could no longer keep the home, so have been trying to sell it in a short sale for over 1 year I have obtained three qualify buyers and have been unable to close because the lender is acting in bad faith. The lender is alleging that I have to pay a {$15000.00} fee for mortgage insurance. I had no idea and was never told when I obtained this mortgage that some how there would be an insurance premium due at the time I sold my house. I now have a buyer who is willing to buy my home which the lender themselves valued at {$150000.00} for {$160000.00}. In addition, because I have been trying to do this for more than 1 year and have had numerous deal fall through with the bank, I agreed to take {$5000.00} out of pocket. Still the bank refuses and is asking the buyer to pay the {$15000.00} insurance claim in addition to the sales price of {$160000.00}, so essentially they would be paying {$170000.00} for a {$150000.00} which absolutely no one would do. I am in desperate need of your help and do not know who else I can turn to. I was neither aware of this additional {$15000.00} when I purchase this home, I can not find a buyer to pay more for a house than its worth and I can not contribute more than {$5000.00} at time of closing. Please assist me.
Consumer complaint received 2019-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC (CA)

I have discovered a derogatory mark on my credit about a year ago that did not seem familiar. After doing research I found out that the entry was related to a bail bonds company. At this time they provided me with information about an old roommate of mine who I have zero contact with apparently submitted my name as a backup contact and provided materials he collected from my initial application process when i moved in a few years before this. 

I have made several attempts to clear this from my report as I have not ever gave permission to this person to use my information and should not be liable for this persons debt. I have asked on a few occasions for them to provide me with proof of my information being submitted. They informed me that someone must have came into their offices and provided identification. This would be impossible and I would like to have some hard proof that this occurred. They said they would provide this information but still to this day will not remove the account from my credit or provide any further information. 

I am not sure what else can be done to resolve this. I do not want to pay for a debt that is not mine and clearly the result of identity theft.
Consumer complaint received 2019-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (IN)

Collection agency Bull City had fraudulently reported that I owe XXXX XXXX over {$1300.00}. The negative report to my credit has impacted me economically. I have filed a police report and a report with the FTC and will press criminal and civil charges.
Consumer complaint received 2018-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

I have been monitoring my credit for a while now. Some time ago, I noticed a collection regarding XXXX XXXX ( then reported by a debt collector called XX/XX/XXXX ) that was reported as owed by me, in error. I disputed it as such and it was deleted. 
Now, I come to see that in XX/XX/2018, AFNI started reporting the same debt ( still shouldnt exist ) for XXXX XXXX. What is the point of working to get erroneous collections removed if new companies are just going to start reporting them the second another is fixed? If it wasnt legitimate then, it isnt legitimate now. I did explain this in a dispute to AFNI via XXXX ; AFNI apparently verified their information reported to XX/XX/XXXX was accurate. I do not see the account as even so much as being reported disputed by AFNI. I have made two other disputes without any result.
Consumer complaint received 2017-07-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc (NY)

Reopen case XXXX and XXXX. Fidelity did not send me a response to my letter of inquiry directly. I discovered their answer on the CFPB website. The answers furnished by XXXX XXXX to my six questions are incomplete. Their company has no grounds to not honor their policy as there was no " purchase. '' The company is obligated to honor the policy as XXXX XXXX ( My former name ) and the XXXX XXXX XXXX XXXX as it is me. This company through XXXX XXXX XXXX failed in their fiduciary responsibility to disclose the trust and trustee ( question 3 ) or the financial asset account number generated from the sale of my securitized 2005 note. XXXX XXXX asserts she has no knowledge of any trust? XXXX XXXX claims Fidelity has no responsibility for the actions of XXXX XXXX XXXX yet answers for them. Fidelity, XXXX and XXXX XXXX XXXX used the XXXX system to hide the trust and financial asset they created which still remains undisclosed to me. XXXX XXXX lacks standing and XXXX XXXX  never gave me a loan but they got paid three times over and beyond on the sale of the securitized instrument governed by XXXX and mistakenly tied to the collateral my property XXXX XXXX XXXX.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (NJ)

I think someone made an account under my name with chase and keeps opening it up some how when I closed it with the bank and it keeps re opening and They told me that they think someone has stolen my social security but I didnt think anything of it in till now cause I keep getting statements thru email basically saying the account is active. Also my account got overdrawn somehow So i think someone has my social somewhere.
Consumer complaint received 2019-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Capital one was just put on my credit for a inquiry I been had the app. So I went to login it tells me my personal information doesnt match. How could I apply if my ssn name doesnt match
Consumer complaint received 2018-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

Chase Bank has frozen my personal checking account since XX/XX/XXXX.This is all in regards to 2 XXXX ( XXXX ) from the same person for a total of {$1900.00}. At the time I had almost {$9000.00} in my account. These XXXX were in result doing a transaction with another person from a legal website called XXXX XXXXXXXX. I am the seller and I was doing business with a man who was to receive {$1900.00} of bitcoins and in return I would receive his payment. One day after the payment was received and after he had his Bitcoin he called XXXX and claimed it was not him that did the transaction but somebody else. When I did the transaction with him I verified him by having him send me by a selfie of himself, plus him holding his drivers license and holding his debit card with his full name on both and he also wrote a note saying he was buying the {$1900.00} of bitcoin and he signed and dated it. I sent Chase absolutely everything to verify these were valid XXXX. Well time went on and I kept calling Chase to get updates and closure and all they did was to keep telling me it was still being researched and the resolution day was XX/XX/XXXX. Well, on XX/XX/XXXX, I called figuring it would finally be resolved, but no, I was still being given the same story that this case was still in research. At that time, I threatened legal help and that is when they put me over to their so called Executive office who assigned me a case # XXXX. About 4 days later I received a phone call from a woman telling me that my account would stay frozen and that they were now investigating 6 more claims. When I asked for more information she would tell me nothing and only that my case was closed and my account would stay frozen. I have NEVER received one piece of mail from Chase about the investigation and NEVER could talk to anyone to try to explain to me the process, etc. I feel like I was never given my due process. And the sad thing Is that I was the one who was defrauded. The only mail that I did receive from Chase were 2 pieces saying that I withdrawal {$1900.00} at an ATM machine and then about 10 days later another letter saying I wrote a check for {$1900.00} that was not good. These descriptions made no sense to me. I am going to attach all the documents that I have sent to Chase and let me remind you, I have never received any type of communication from them ever. I have been a Chase customer for years, had an Auto loan through them and never a lick of problems.
Consumer complaint received 2019-10-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I sent Portfolio Recovery Associates a Cease and Desist letter by certified USPS mail which they received on XX/XX/2019. They have called me several times since past the 30 days in violation of the FDCPA : - XX/XX/2019 from XXXX - XX/XX/2019 from XXXX - XX/XX/2019 from XXXX - XX/XX/2019 from XXXX - XX/XX/2019 from XXXX - XX/XX/2019 from XXXX
Consumer complaint received 2022-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MD)

I had closed my account with this credit card company last year but they didn't prevent charges from going through after I closed the account. I continued to make payments to the company but then they locked my access via the website and started to send me short emails that I have payments to make for $ XXXX to pay off the balance. I made the payments and then the emails stopped and they never sent me a closing statement nor a full monthly statement by mail. 
Two months after getting the last email statement they sent me another email notification I have a balance. I paid off the remaining balance in XX/XX/2024. 
Now they're reporting to XXXX  I am 30days late payment and are refusing to remove it