davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-18
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX XXXX was the original creditor for a pay day loan i had in XX/XX/XXXX, the new owner of this zombie debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SAINT XXXX, MO XXXX, re-aged this debt to XX/XX/XXXX. In an attempt to keep this debt alive and on my credit report.
Consumer complaint received 2018-12-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (DE)

I was told I had 3 repayment options. One option was payment of {$190.00}, the second was a 3 payment payback and the last was payments of {$140.00} and some change. I selected the last option, of {$140.00} and some change. The company took payment for {$190.00}. I emailed multiple times, the company claims to have only received one email at a date " too late to correct anything. '' When the company finally had someone call me ( because you can never get through trying to call them ) that rep stated she would have the recorded call pulled and call me back. When she called back she tried to say " the rep gave you misinformation. '' That is not MY problem! I initiated a loan based on the information that rep provided and actually stated multiple times through that call that if the payment amount was {$190.00} I would be passing on the loan as I couldn't afford that amount. Now the representative is passing me around between departments, placing me on long holds in between each pass, clearly hoping I'm just going to hang up and drop the issue. The information that was provided to me is recorded! Their representative is recorded telling me that I would be able to pay {$140.00}.
Consumer complaint received 2022-03-05
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: EQUIFAX, INC. (NV)

Someone applied for something in my name and I CALLED the customer service department and did not help remove the negative inquiries that are reporting ON MY CREDIT REPORT XXXX XXXX  XXXX XXXX, XXXX, equifax XXXX XXXX XXXX, XXXX, equifax XXXX XXXX BANK XXXX EQUIFAX XXXXXXXX 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 2018-12-17
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: Grant Mercantile Agency (CA)

Grant Mercantile Age Opened XX/XX/2015 - {$350.00} Original creditor : XXXX  XXXX XXXX XXXX THE ABOVE CREDITORS HAVE BEEN CONTACTED ABOUT ACCOUNTS THAT DO NOT BELONG TO ME/BILL WAS COVERED BY INSURANCE. THEY HAVE NOT REACHED OUT TO ME TO RESOLVE THE ISSUES OF FALSE COLLECTIONS ON MY CREDIT REPORT.
Consumer complaint received 2022-03-05
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. (NV)

Someone applied for something in my name and I CALLED the customer service department and did not help remove the negative inquiries that are reporting ON MY CREDIT REPORT XXXX XXXX  XXXX XXXX, transunion, XXXX XXXX XXXX XXXX, transunion, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (KY)

I received a response letter dated XX/XX/18 back from Experian, stating that the bankruptcy was verified through XXXX and that it is accurate, XXXX has deleted bankruptcy from my account, as well as XXXX. The bankruptcy courts do not report to the credit bureaus, and I also sent documentation of this as well
Consumer complaint received 2018-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

LexisNexis is claiming to need my identity information to send me the results of a continuing investigation. I requested an investigation XX/XX/2018, they sent without identifying information the results on one item from the list below. Lexisnexis continues to report unverified information to my credit file in violation of FTC regulations and not requiring ALL consumers provide this info. 
Additionally, LexisNexis has violated the FCRA 30-day regulation. The following items in question should be removed from my credit report. 

US BKPT CT IN XXXX XXXX not mine US BKPT CT IN XXXX XXXX not mine US BKPT CT IN XXXX XXXX not mine
Consumer complaint received 2020-06-04
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. (PA)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX {$700.00} XXXX {$700.00}
Consumer complaint received 2018-12-17
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: EQUIFAX, INC. (IN)

On XX/XX/2018 XXXX XXXX XXXX conducted an unauthorized hard inquiry into my credit reports. I did not inquire on any loan in XXXX of 2018.
Consumer complaint received 2018-12-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

On XX/XX/2018 an offer was submitted to Mr. Cooper Short Sale department. After several attempts to inform the lender of the Condition of the Home and several Reports ( included in this Complaint for review ) the lender responded with a Misinformed opinion of the Condition of Value and Included the Existing Square Footage as addition Square footage and requested a Price of {$270000.00} for a property that is only worth {$180000.00} at best. We have an Independent HUD/FHA certified appraisal of our own included for the review but they did not consider it either. In their own words they mention the Contractors estimates could not be considered as the Broker is not a licensed Contractor and could not give an Value or consideration to the review. The Broker who conducted the BPO is only a broker and is limited to only recent Comparables in the area and also stands to Gain the Listing if and when the Property get foreclosed on. A very Suspicious Practice indeed. The Review that was sent back is Included for your oversight into this matter. Please assist in this case as all we are requesting is that an actual independent appraisal be hired to conduct an As-IS appraisal not a Subject to appraisal.
Consumer complaint received 2021-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

in re : # XXXX Dear Wells Fargo, Your response is not sufficient, and I can not accept it. 
At this time, I am requesting to exercise my rights to dispute resolution by binding-arbitration, as stated in the 'Deposit Account Agreement ( s ) ' that were effective when I was a consumer. 
Please provide me with WF 's complete mailing address, legal email address, and fax number so I can begin the arbitration process with the XXXX XXXX XXXX. Failure to do so will be regarded as a breach of the terms which were mutually assented to.
Consumer complaint received 2018-05-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (CA)

Hello CFPB + Credit Collectors, I am a XXXX year old that started with credit early on. I made a lot of mistakes and everything got worse when I lost my job. I graduated from an intense XXXX XXXX program called XXXX. They train young individuals like myself relevant skills to survive in this thriving economy. When I lost my job it was unexpected. I had no idea the toll credit would have on my life. I am now in debt to all these credit card debt collectors. I would like a fresh start to all of this. I am ready for a new beginning. Below is some of the debt I have accumulated. I wish to get this debt off my back so that I can contribute to my neighborhood. I want to give back and help others but with debt I am completely frozen and am not allowed to do anything. I have learned my lesson. 

" XXXX XXXX XXXX , XXXX '' : {$630.00} XXXX XXXX : {$350.00} XXXX XXXX : {$820.00} XXXX XXXX XXXX , XXXX : {$960.00} I would also like to dispute a debt with CREDENCE RESOURCE MANAGEMENT LLC for {$1500.00} The confirmation number for this is XXXX. I have already payed this debt. Please help me settle this debt. I have learned my lesson with credit.
Consumer complaint received 2018-12-17
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (IL)

I purchased a TV from best buy under promotion no interest for 2 years. The person selling the TV explained that whatever wasn't paid back would then be charged interest after 2 years not that I would be charged the full interest. It was never on any statement listed as a promotional value so when I went to pay my last {$200.00} payment to pay off the TV and saw {$1200.00} in charges I called best buy who said I owed it and I agreed to those terms although they couldn't give me any documents showing I agreed to that. I went to the store in XXXX, IL where the TV was sold to me and spoke with the manager who agreed even she wouldn't pay what they were asking because that's not how they understood the terms. I complained to many customer service reps over the phone who said they would file a complaint on my behalf and after having up to 5 phone calls a day from best buy customer service I filed a written complaint because I feel I've been fraudulently charged and continuing to be fraudulently charged. Best buy sent me a letter that they would close my account to post but I'm still responsible for any fees they feel like charging me and did not address my complaint. I will pay the interest on the last {$200.00} dollar payment of the TV and am ready to settle with Best Buy and Citi Bank but can't speak to anyone who is the least bit helpful. Citi bank wants to charge interest on this back interest
Consumer complaint received 2022-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (TX)

Problem 1 : We had just gotten the escrow tax line corrected with Home Point ( HPF ) earlier this year in XXXX after 3 emails and multiple phone calls to HPF and with the transfer of servicing by HPF to XXXX XXXX in XXXX, the XXXX isd tax line has been set up twice again. HPF has one line set up correctly and a second duplicate line that needs to be deleted. I called 2 weeks ago and requested correction but it is still there. This is further pain since HPF double paid my school taxes XX/XX/XXXX and it took them 3 months to refund the money back to my escrow account and delete the duplicate tax line and now here we go again with the same error showing up after the transfer! I have emailed HPF and called and spoken with both HPF and XXXX XXXX team members trying to resolve this post transfer error. 

Problem 2 : I switched insurance from XX/XX/XXXX to XXXX XX/XX/XXXX and I provided HPF with a fully paid 12 month policy from XXXX as did XXXX. I had paid XXXX for the full amount for a 12 month policy from my checking account when i bought the policy in XX/XX/XXXX effective XX/XX/XXXX. Now HPF has paid XXXX another full 12 months premium on XX/XX/XXXX from my escrow account that was not needed/due. 

My 3 requests : 1 ) Put the $ back into my escrow account HPF paid out to XXXX that was not due. 

2 ) remove the XXXX isd duplicate tax line from my escrow account. 

3 ) run a new escrow analysis after these 2 corrections above have been made and then lower my monthly mortgage payment before XX/XX/XXXX payment is due. 

My mortgage payment should be almost {$150.00} per month lower than HPF is charging me due to over escrow on my account.
Consumer complaint received 2018-05-18
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Midwest Recovery Systems (CA)

XXXX XXXX XXXX XXXX was the original creditor for a pay day loan i had in XX/XX/XXXX, the new owner of this zombie debt MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, MO XXXX, re-aged this debt to XX/XX/XXXX. In an attempt to keep this debt alive and on my credit report.
Consumer complaint received 2018-12-17
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. (GA)

I submitted disputes to the credit bureaus XX/XX/2018 I have not received responses as of this day. If they were sent please resend. This violates the CFPB regulations.
Consumer complaint received 2018-05-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX violated my rights by not notifying me of my right to dispute. 

Item appeared on my credit between XX/XX/2018 and XX/XX/2018, with no prior notification that they had purchased a debt, and that they Intented to report to the credit bureaus. They failed to notify me of my right to dispute.

As this is a clear violation of my rights remove asap.
Consumer complaint received 2018-12-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (TX)

This company continues to viciously attack me with no proof of any debt that supposedly stem back from XXXX almost 7 years now. I have filed a police report and have retained an attorney against this Collection Agency- Commonwealth Financial , which have been sued over 77 times already AND LOST. This company needs to be shut down. According to the FCRPA, they are to prove such alleged debt with Validation NOT verification witch include an itemized break down of services that were supposedly rendered and not just a statement of random of amounts. 

I have never lived in XXXX XXXX, Nevada or have been there. The so-called dates of service are from XXXX This company continues to ruin my credit standing and arbitrarily post and file reports on my credit reports. This company should not have access to my Social Security number in the first place. This company keeps accusing me of unpaid debt! I viewed a statement that was sent to me by Commonwealth Financial from a provider in XXXX XXXX Nevada, and this so-called original creditor is based out of XXXX XXXX Nevada! 

All previous allegations by this company have been removed ; nevertheless, they continue to erroneously post alleged debts! 

I need this resolved immediately!
Consumer complaint received 2020-06-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WI)

PHH has failed to correct the amount they are reporting as a balance for my loan via their website despite repeated and numerous contacts ( emails, phone calls, Notice of Error ). PHH has not corrected the error since I first notified them 109 days ago. This is an unacceptable, deplorable amount of time that, regretably, seems aligned with their general approach to providing customer service. 

PHH 's written response to the Notice of Error letter simply restates information I already know ( my loan servicing was transferred from the originating financial institution to a secondary institution ( and *not* PHH ) and requires me to take action that I have already taken twice ( and shared the results with PHH each time ). 

PHH is reporting an incorrect balance even though their own documentation correctly shows no balance as of the date of transfer and confirms they were never the servicer of this loan. 

Based on my experience, I recommend avoiding financial transations with PHH/XXXX  if you have a choice.
Consumer complaint received 2018-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (AZ)

XXXX XXXX XXXX was the company that I paid {$490.00} to, to help me forgive my student loans to a XXXX balance. They consolidated my loans and promised to submit my income every year to Nelnet but I have not been able to reach them at all. There number is disconnected and their email is no longer able to receive email. Phone XXXX was the number I have and the other name for the company is XXXX XXXX XXXX XXXX. Please help I want my XXXX back! They collected 3 payments of XXXX on XX/XX/18, XX/XX/18 and XX/XX/18. Account number I believe is XXXX
Consumer complaint received 2018-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NH)

Hello, I was referred to you by the attorney generals office. We have had ongoing problems with our mortgage company. They are falsely saying that we owe them thousands of dollars that we do not. And our house is in foreclosure even though we never missed or were even late on the mortgage payment. 
At this point, we do owe them one months mortgage because they refused to cash the last check, because they said we are in pre-foreclosure. 
We had only owed them {$1900.00} for a check they sent to the town for property taxes and the town cashed it and paid our taxes in advance. We had paid the taxes up to that point. We have had a mortgage on the house for 15 years and never had escrow. Now they are saying that we owe them {$6500.00} and they want it paid to satisfy the debt on their terms or we will lose our house. 
They have actually sent us letters with false information saying that we did not pay our mortgage for XXXX, XXXX and XXXX. And We have cashed, cleared checks proving that we did pay and were not even late. 
Please help or please direct us to who can help. 
I am afraid that we are not the only people they are doing this too. And another person or someone elderly who is confused may just pay them the money and they may be getting away with this? 
Sincerely, XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX Also please delete any phone numbers on my report if it is not : XXXX
Consumer complaint received 2018-05-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

Upon receiving my credit report I noticed several discrepancies, A collection agency Named XXXX XXXX was on the report with a XXXX debt. I immediately contacted all 3 Credit bureaus and started a dispute. It was after 3 attempts that it was taken off of my XXXX report and my XXXX   report, but not my XXXX report. I contacted XXXX  again and asked for all documents that was provided to verify this debt. I was told by a representative that, and I quote .They rely on the creditor to investigate, and if they say I owe a million dollars, then thats what i owe. Can you you imagine being told that from people who are in charge of you credit? No proof has been sent to me at all. They end result was, verified without any proof sent to me, and it was updated on my report.
Consumer complaint received 2018-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XX/XX/XXXX, two letters were sent to transunion. This is part of the letter sent by XXXX XXXX, requesting a correction because her credit file does not show up under her social - it shows up under her daughters social. Additionally, her daughter ( XXXX XXXX ) sent a letter requesting to have her mothers items removed from her credit report. As of today, XX/XX/XXXX, Transunion removed SOME of the accounts from XXXX 's credit report but not all. XXXX 's credit report also still has all of XXXX 's information on it, stating the wrong names, addresses and the wrong date of birth. As of this time, nothing exists under XXXX 's social so that problem has not been rectified despite multiple calls and two clear requests sent in writing. 

XXXX XXXX MISSING FILE NUMBER XXXX XXXX Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I am writing to dispute the following information on my TransUnion consumer report for these reasons : o My entire credit report is missing. 
o All of my credit items are listed under a different social/name.

o My social security number is NOT in Transunions system.

o All my credit inquires are being posted on a file that does NOT belong to me.