davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-25
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. (GA)

Hello I have reached out to you about items that was on my credit that I dont know anything about. Im really trying to help my son get a car and the dealership has denied me again because of this and I thought this was already handled. Please take this accounts off my credit three accounts with no name and the account numbers is XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX I see alot of inquiries on here as well that I did not do 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 XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and local police.
Consumer complaint received 2020-02-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Berman & Rabin, P.A. (KS)

Berman & Rabin P.A left me voicemail onXX/XX/2020 that they needed to discuss a business matter. I called back onXX/XX/2020 and spoke with a lady from there and she was threatening to repossess my vehicle if I didnt pay them what they say I owe. I asked what vehicle was this because I didnt  have any vehicle loans through them. After a brief hold she came back to only tell me she didnt know what vehicle but I was to pay the balance of {$10000.00} or my vehicle would be repossessed. I asked if information regarding this repossession in question and have not received anything on it. I felt very threatened by this call and dont feel she had any right to make such threats.
Consumer complaint received 2022-12-01
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. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be corrected or deleted immediately : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX
Consumer complaint received 2020-02-25
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)

Hello I have reached out to you about items that was on my credit that I dont know anything about. Im really trying to help my son get a car and the dealership has denied me again because of this and I thought this was already handled. Please take this accounts off my credit three accounts with no name and the account numbers is XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX I see alot of inquiries on here as well that I did not do 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and local police.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

15 USC 1681s-7 ( A ) ( i ) RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES : Negative information ( A ) Notice to consumer required ( i ) in general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( P ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.

( ii ) notice effective for subsequent submissions After providing such notice the financial institution may submit additional negative information to a consumer reporting agency described in section 1681a ( p ) of this title with respect to the same transaction, extension of credit, account, or customer without providing additional notice to customer.
Consumer complaint received 2022-10-14
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. (MI)

I want to report Identity Theft that has been going on for years without my knowledge. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I have never opened up or authorized. I did lose my wallet back in XXXX. I had my drivers license along with my social security card in my wallet. Someone has been using my identity without me knowing. I never opened an account with the follow companies ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ive sent in disputes for these items before. Ive went to the XXXX Police Department in Michigan to get police reports made of the theft, previous sent in CFPB claims, and Ive also filed FTC reports as well which are both attached below. These last accounts have yet to come off
Consumer complaint received 2020-02-25
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Onity Group Inc. (NJ)

THE MORTGAGE COMPANY PHH HAS : 1. STATES THAT I HAVE A $ XXXX  MONTHLY PAYMENT. 
2. STATES THAT I HAVE A RELATIONSHIP MANAGER, XXXX XXXX. 
3. STATES THAT A TELEPHONE # CAN BE ACCESSED TO DISCOVER THE PRINCIPAL BALANCE. WHICH IS FALSE.4. STATES THAT THEY WILL SOLVE THE PROBLEMS WITH OCWEN WHICH THEY HAVE NOT. 
THE MORTGAGE COMPANY PHH HAS : 1. FAILED TO ACCEPT A {$770.00} PER MONTH MORTGAGE PAYMENT. FAILED TO ACCEPT THE {$640.00} TRIAL MODIFICATION PAYMENT INXX/XX/2018 2. FAILED TO CONNECT TO THE RELATIONSHIP MANAGER, XXXX XXXX WHO IN FACT REFUSES MY CALLS TO DISCUSS ALTERNATIVES TO FORECLOSURE. 
3. FAILED TO DISCLOSE THE CORRECT PRINCIPAL BALANCE
Consumer complaint received 2020-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (TX)

During a routine check of my credit report, i noticed a collection account. I called the original company, XXXX, about it. I told them it did not make sense, because I am XXXX  at my current location. The location that was showing up on the credit report was never my address. They could not find the collection account. 

I called the collection company. The wanted my SSN, i told them no. I told them i never lived at that address, and they needed to remove it. They said they could not do anything. 

Next, i disputed with the credit agencies. I was told it was removed. However, now i see it back on my report. It is showing Waypoint
Consumer complaint received 2020-02-25
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC (FL)

i currently working on loan with purchase that is supposed close Friday XX/XX/2020. all supervisors are refusing to answer any question. Also their for reps are also refusing to transfer to supervisor. I dont know what is going on my loan. Spoke to my broker he stated he reach out to this company multiple times about same issue they refusing also to answer him. The companies name is untied wholesale Mortgage and licence number
Consumer complaint received 2020-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (OH)

My card had been expired for a month and I was still charged on the card. I accumulated a late charge that I wasn't aware of that brought down my score.
Consumer complaint received 2021-12-02
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX
Consumer complaint received 2020-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (VA)

I enrolled at XXXX XXXX XXXX in XXXX, VA in XX/XX/2009. I was recently widowed and had a young child to take care of. I spent 5 hours at the campus getting all of the information I needed to make an informed decision. I was promised by the recruiter and the Department Chair of the XXXX XXXX program that the school was accredited, and I found out after graduation that it wasn't. There was a fake accreditation certificate hanging on the wall at the front reception desk. I was promised job placement assistance. I did not ever receive any. I was lied to about the cost of the program. I was told that because of my age, XXXX at the time, and being a widow, that I qualified for scholarships and grants that would pay for almost 100 % of my costs, and the financial aid department was taking care of everything. They never applied for any assistance for me. These are just a few examples of the fraud they committed when enrolling me. My " degree '' is worthless. The school was closed for fraud and I do not feel that I should be held responsible for the debt. I was lied to for four years and now I owe a massive debt that is ruining my life. I feel that the school needs to prove that I benefited from attending, and they fulfilled all of their promises and or the debt should be forgiven. No other company or business is allowed to collect on a debt that was entered into based on fraud.
Consumer complaint received 2024-02-12
Product: Credit reporting 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 am a victim of identity theft, and have reached out to Experian and other credit agencies to remove the fraudulent account that is now on my credit report, from XXXX XXXX XXXX for {$7600.00}. At first i attempted to dispute the account, but I think I submitted it under the wrong category, so it came back verified in a day without any information or proof from Experian that they actually investigated. Since then, I've called Experian and submitted a proper request to block, along with attaching the identity theft report I had filed with the FTC, which is attached here, and I have submitted that and plenty of identity-verification documents to Experian as XXXX the first week of XXXX. 

Rather than comply with the law and block the information immediately, Experian responded that they can not block the account, gave no further explanation, and refused to explain over the phone exactly what the problem is. I am reaching out to you hoping you will make them comply with the law and block this account immediately, as it is hurting my credit greatly and stopping me from getting a car for work.
Consumer complaint received 2021-06-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NJ)

I was asked for verification of ID and address, paypal did not accept it and XXXX was completely unhelpful. Later closed account with all money in it. 
I was asked to verify my account details approximately a month ago. I uploaded a picture of my passport and it was accepted, but when it came to address, they rejected it. 

I uploaded a copy of my electricity bill as given to me by my landlord, and it was rejected. Customer support was completely unhelpful and basically didn't even read my complaints. I was told that there was certain criteria, and it all met it. I asked for a call back by XXXX and was later given one. The guy on the phone told me that the upload actually failed, and that they did not receive anything from me. I reuploaded the scan of the bill. The next day, I received an email stating that my account has been terminated ( The XXXX ). I tried calling them and was redirected online. All my messages and emails to paypal have been unsuccessful and not responded to. I also tried to message them on XXXX with no response. This was in XX/XX/2020. They wanted me to wait 180 days to get my money back, but it has been much more than that, and I have yet to get my money back from Paypal. They additionally are completely unresponsive to both messages, and the phone line redirects me to the message center on paypal, which does not respond to me.
Consumer complaint received 2015-07-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (FL)

Me and my husband had this XXXX XXXX credit card in 2002. Myhusband made his payments on the card until he loss his job. Theyoffered us an settlement offer of 4 payments. I made all of mypayments on time. The very last payment I made was on time, butthey did n't process it until the next day. So the customer servicerep. to me I was late on my payment, so they was n't going to honorthe offer. I told them I made my payment on time. He said, '' Well we did n't get it on time, so your late and the payment offeris no longer good. '' I also tried to get the information from my bankto use but it has been more than 7 years the bank do n't have theinformation. I do n't owe them anything at all. I made my payments asagreed and they did n't keep there arrangement. The balance is XXXX. 
They put it on my credit as if I never made a payment and so forth. 
Now they have Midland Funding llc reporting there information. Thisdebt is more than 13 years old. They still manage to sell info to Midlandto resubmit it on my credit.
Consumer complaint received 2020-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

In XX/XX/2020, I received a letter from NewRez ( LLC ISAOA/ATIMA XXXX XXXX  XXXX XXXX MI XXXX ) stating they were my new mortgage bank. They brought or took over my previous mortgage company XXXX. In their initial letter my mortgage was current with no late payments. In XXXX statement NewRez alleged that I owed late fees and they purchased " force insurance '' on my Co-Op apartment. The letter dated XX/XX/2020 states " our records show that your hazard insurance expired ... we plan to buy insurance for your property. '' I had previously filed complaints against XXXX XXXX and XXXX and now this company which I believe is actually the same company by the name of Shellpoint Mortgage Servicing located in XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX. Similarly to XXXX XXXX  and XXXX, they failed to understand that my Co-Op building has a Master Insurance policy which covers the hazard component of the policy they requesting. This issue was litigated by my lawyer to XXXX XXXX and XXXX  and now Shellpoint or NewRez. On XX/XX/202 at approximately XXXX XXXX  EST I telephoned NewRez at XXXX XXXX XXXX to notify them of this issue. I spoke to a female agent name " XXXX '' and explained my situation. She hung up the phone. Same practice used by XXXX XXXX and XXXX  where they simply hung up or ignored my calls. I also submitted a home owners insurance policy @ XXXX on XX/XX/2020 with no reply. I seen this movie before : they will deny he received it and buy their oown hazard insurance at a higher price. My credit rating will be harmed by their actions and they will be sued. Congress enacted the FDCPA to prohibit the [ u ] se of abusive, deceptive, and unfair debt collection practices. 15 U.S.C 1692 ( a ). My load # is XXXX.
Consumer complaint received 2020-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CA)

on XX/XX/XXXX i open 4 phone lines plan of XXXX XXXX at XXXX. on XX/XX/XXXX, i called to XXXX XXXX to moved 4 phone numbers from XXXX XXXX XXXX to XXXX XXXX. However, one phone line was change the number, so 3 phone numbers was successful to port out of XXXX XXXX XXXX, still one phone number in it. After i receive the bill, i called to XXXX. I used to pay a 4 phone lines plan is XXXX, each phone line is XXXX. i did not use ever 1 mins in the month of XXXX XXXX why XXXX  billed me XXXX. I told the XXXX  rep, i can pay XXXX per phone line plus tax even thought i did not use the plan service because a phone number leave. The XXXX XXXX XXXX rep said he can not adjust. I paid with my credit card first. Then i asked my credit card for consumer right, so i got the money back. on XX/XX/XXXX, i got the called from Sequium Asset Solutions , LLC, I told them all situation, and said that was XXXX XXXX XXXX false. SAS, LLC rep not listen to me, because XXXX XXXX XXXX hire them. on XX/XX/XXXX, i received a letter of collection .It very hurt my credit score, so i paid it. XXXX XXXX XXXX AND SEQUIUM ASSET SOLUTIONS , LLC, BOTH COMPANY ARE OVER THE LAW OF CONSUMER RIGHT OF THE UNITED STATED OF AMERICA. WHY WE STILL NEED THE FEDERAL TRADE COMMISSION? IT ALWAYS PROTECTS BIG COMPANY AND HURT OUT SMALL POTATOES ( PEOPLE ).
Consumer complaint received 2021-12-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

My name is XXXX XXXX, XXXX of The XXXX XXXX XXXX XXXX in XXXX, FL I am a JP Morgan Chase business customer for over three years. They began sending me emails marketing a new product called " XXXX '' & " XXXX XXXX  '' to take credit card payments. I read the disclosures and signed up for the service. I then took payments from some customers using the app. My money was held for over a week while they supposedly reviewed the transactions. I was assured verbally by one of Chase 's reps that once this was over that future transactions would fund the same night. 
Yesterday I accepted payment from two customers totaling {$240.00}. Chase immediately put a " review '' on my transactions and is once again holding the money. This bank is restricting my ability to conduct commerce. This bank should be brought up on charges and fined for this flagrant behavior. This is a form of legalized theft. I mentioned to the rep that I was considering retaining an attorney for a possible Class Action LawSuit. Now when I call to get answers on where my money is they tell me that they can't speak with me because I mentioned LawSuit. This bank is in violation of Federal banking laws and needs to be fined and punished for this behavior. They are stealing!
Consumer complaint received 2018-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (HI)

On XX/XX/XXXX and XX/XX/XXXX - 2 separate payments were made from my bank account to my XXXX XXXX credit card account. I have been an account holder since XX/XX/XXXX and have never been late on payments. I had automatic payments set up for {$100.00} per month to come out on XX/XX/XXXX, but due to the recent decision to purchase a house I wanted to pay off my balance in full on XX/XX/XXXX - I submitted another transaction to pay off the total amount. I received payment confirmation and logged back into my account on XXXX 's website 2 days later - I saw that my payment was made and the balance was at {$0.00} - I actually had a {$100.00} credit on my account. I received my XX/XX/XXXX statement in the mail which also reflected the payments, showing I had a {$100.00} credit on my account. On XX/XX/XXXX, I received a notice in the mail from XXXX stating that my credit card was 30 days past due and my credit limit was being reduced. I was extremely confused and called XXXX, they stated to submit information to them in writing - which I did and I received a letter in the mail that stated the previously reported information was correct and to submit a dispute to the bureaus to dispute and they were unwilling to help me. I submitted information to all three bureaus and received confirmation from XXXX  and XXXX   that the late payment was removed from my report - but did not hear back from XXXX, and when I reviewed my credit from XXXX ( a XXXX credit monitoring website ) it appears that the late payment is still being reported. I am looking to get this resolved - XXXX has provided unclear and conflicting information to me about my account and payment and I feel that I should not be penalized for this mistake.
Consumer complaint received 2023-03-14
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose