davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-07
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I still do not know if this is really owed to XXXX. This debt has been silent since CountryWide had it in XX/XX/XXXX. 

However in fear of losing my home. I was gifted by family members the amount to bring the account current. 

I was told on multiple occasions by XXXX staff that the phone line was recorded. During these recorded conversations I was told that if I bring the account current by paying {$50000.00} that I would then just need to pay {$310.00} a month. They also told me there were no pre-payment penalties. 

These are the following representatives that told me this : XXXX ID # XXXX, XXXX Id # XXXX, XXXX, XXXX, XXXX, and XXXX. 

They reported to you the CFPB that my payment also was {$310.00}. They also reported to you the CFPB that total amount to bring the account current is {$14000.00} if thats the case why did they make me pay them {$50000.00} to bring it current? 

After wiring XXXX {$50000.00} on XX/XX/XXXX from my bank, Im now being told that my new monthly payment beginning XX/XX/XXXX will be {$1000.00} a month. 
Somebody messed up because I was told many many times it would be {$310.00}. 

This is unacceptable and is lying to a customer by XXXX staff. 

It is also unacceptable that every time I call my so called Relationship Manager XXXX Teller ID # XXXX is not available to go over my case. 

The debt I owed was XXXX somehow they are saying it is XXXX plus which also is not true. When asked to verify how they calculated the number figures they responded to me saying they couldn't disclose this information because it was proprietary information under the requirements of ( RESPA ) and regulation X? How will I know if they are really telling me the truth or commenting fraud with this mortgage?

In good faith I have brought this account current out of fear, harassment, and intimidation believing that my payment would be {$310.00}. There is no way I will be able to pay {$1000.00} as I'm XXXX and with a fixed monthly income. I don't believe anything they say. They have sent me so many different statements, figures, and different amounts that I supposedly owe. They also have sent me other peoples loan documents, social security numbers, and other confidential documents that should have never came to me from their office. 

Makes me afraid and wonder if they are legit. I'm also afraid that they are sending other people my personal confidential information. They should be held accountable for breaching confidentiality. The way this world is today with identify fraud and theft someone could try to ruin my life, if XXXX shared my personal information by neglecting to be careful. 

Please help end this nightmare, PLEASE!!!!!!!!!! 

XXXX XXXX Please see all attached supporting documents. 

I'll file a second one to attach the documents.
Consumer complaint received 2022-01-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (TX)

I discovered several medical debts on my credit report in XXXX, XXXX. I submitted an identity theft report to all credit bureaus. This fraudulent debt from XXXX XXXX was placed with debt collector named XXXX and was removed. In XXXX of XXXX, a debt collector called Commonwealth Financial placed the debt in my credit report without notice or an opportunity to dispute the debt in violation of the FDCPA and FCRA. On XX/XX/XXXX after receiving notice of my identity theft report the debt collector, Commonwealth Financial unlawfully verified the debt. The debt is fraudulent and not mine.
Consumer complaint received 2022-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

I have submitted a XXXX XXXX XXXX ( XXXX ) to Fed Loans and they have not updated my payment count to reflect my previous counts prior to consolidation ( XXXX ). I called today and spoke with XXXX ID # XXXX and he hung up the phone. I called back and spoke to XXXX ID # XXXX and she told me that she needed to transfer me to XXXX XXXX XXXX XXXX ( PSLF ) area. I was then spoke with XXXX ID # XXXX and she said that she was not in XXXX and she transferred me to XXXX ID # XXXX and she basically told me that Department Of Education ( DOE ) will make the updated payment counts and they have no control over payment counts. She went on to tell me that it is nothing that I can do. Her nonchalant attitude prompt me to ask for a supervisor. At this point, I spoke with XXXX ID # XXXX and she said she was with the Service Recovery Line and that the payment count would be updated by DOE because they are overwhelmed with calls right now and DOE is focused on everyone 's loans at this point. 

They consistently pointed out that they are ending their contract. Why not end it now, so I can get the appropriate paperwork completed on my loans before the program ends.
Consumer complaint received 2021-05-14
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: EQUIFAX, INC. (NY)

I am writing to notify you of the violation of my rights under Federal law. If I have too I will take legal action against you as my right under federal law.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm writing this complaint and there is no third party involved. This company Equifax is very deceptive and unfair, they keep ignoring the situation based on the istrunction I'm giving them. After all the due diligence I have done, I found out that pursuant 15 U.S. Code 1681b ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ), In accordance with the written instructions of the consumer to whom it relates. I have sent them plenty of letters giving them instructions what to furnish in my consumer report and all they do is ignore me and send me the same document asking for Proof of Identity. I sent them my SSC, my Florida ID, and a bill with my current address and they keep coming out with the same excuse that they need to verify my identity, ( document they sent attached ) They already sent it to me 3 times. later on I found out that Equifax like to use that technique to ignore the letter consumers send. This is my privacy and I take very serious and if Equifax wants to keep doing business with me, they need to understand that they need to do what I say if it has to do with my consumer report. Based on Congress Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. They have not been assigned by congress. Equifax broke the law and they keep doing thing with my consumer report without my consent. No consent is Identity Theft. Recently I was reading the article from the cfpb on XX/XX/2022 ( CFPB RELEASES REPORT DETAILING CONSUMER COMPLAINT RESPONSE DEFICIENCIES OF THE BIG THREE CREDIT BUREAUS. AND THEY TALKE ABOUT HOW eQUIFAX ROUTINELY FAILED TO RESPON TO CONSUMERS WITH ERRORS AND REQUEST. ( Article attached ) They also talk about how Equifax often promised to open investigations and sent the results to the consumers later dates, but it would fail to provide the CFPB with the outcomes of the investigations. I don't want the same thing happen to me. I need Equifax to take responsibility and stop sending me the same document avoiding everything IM asking for ... Im attaching all the copies that I have sent to equifax, attached with my social security card, ID and proof of Address.XXXX Lets see what will be the excuse this time.
Consumer complaint received 2021-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Skrill USA, Inc. (IL)

Received a notification XX/XX/21 from the major 3 credit bureaus ( XXXX, XXXX & XXXX  ) that a debt was owed from collection agency XXXX XXXX. There's no contract with this collection agency that shows I owe a debt. Collection agency doesn't have the right to collect if there's no legal binding contract signed by me or any company I represent showing I owe XXXX XXXX. This collection agency XXXX XXXX also violated Section 623 of Fair Credit Reporting Act.
Consumer complaint received 2021-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Also please remove the following fraudulent inquiries : XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. The ID Theft report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Consumer complaint received 2022-01-27
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: Experian Information Solutions Inc. (IL)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-01-27
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. (VA)

I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 :
Consumer complaint received 2021-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

for the past 20 years this company transunion has reported this bs false information i have asked them over 100 times to show proof my signature something on these medical bills they are constantly falsely putting on my account, they know and have been told over 30 times that I have full coverage insurance with the government and they still are falsely ruining my life because of these false reports even asking numerous times for proof which they just decide to ignore me which has caused me to not get jobs .credit .cars a home and I am so tired of it they should be put in jail also they have the nerve to never let me get my credit report or score on line saying I have to write them so they think they can prolong it enough is enough and I am going to have to take this to a higher level .how is it that my score with XXXX  and XXXX are in the XXXX while there score for me is in the XXXX and they never reported the car I paid for 3 1/2 years with never one late payment that because of these companies I had to pay the highest % rate for no reason except for them reporting false information
Consumer complaint received 2016-02-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (SC)

Equifax has the wrong date of first delinquency. I missed my first payment with XXXX in XX/XX/2008. This makes the account 7 years old and no longer reportable. I am attaching the account record from XXXX, and a report pulled from a mortgage company as proof of the correct date.
Consumer complaint received 2015-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I opened a {$3000.00} education loan with the VA. I made an agreement with them to pay back the loan in installments of {$85.00} a month starting in XXXX of XXXX. As you can see from the itemization attached, I made my XXXX payment ... my XXXX payment ... my XXXX payment ( EARLY ) and in XXXX they did an automatic withdrawal from my pay that I did not authorize. 

They continued to take this money even thought the agreement was for the {$85.00} a month. Even though they were collecting twice what we agreed upon monthly, and without ANY MISSED DEDUCTIONS, they began reporting this item as delinquent in XXXX of XXXX ( See VA historical delinquency attached ). 

1 ) The VA is in violation of section XXXX I never received a notice of delinquency or any notice that they were sending my information to the credit bureaus. 

2 ). They are in violation XXXX in that, when I disputed this item with them in XXXX, they were required to follow the same provisions of sec. XXXX with regard to disputed accuracy. I did not receive any update in 30 days and they did NOT remove the item since they were in violation of the repayment agreement and should not have reported it. 

I relayed these violations of non-compliance with federal law to XXXX and Experian. XXXX properly deleted the item. XXXX XXXX and Experian have left it in violation of FCRA section 611 ( a ) ( 5 ) ( A ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation
Consumer complaint received 2022-01-28
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: CLGF Holdco 1, LLC (WY)

In XX/XX/2021 I discovered a fraudulent credit account opened in my name with Genesis Credit out of XXXX XXXX. I contacted this company and they stated an account was opened online and purchased {$4000.00} worth of stuff. I told them I did not open this account or authorize this and asked to speak to there fraud department. Genesis stated they could not connect me to the fraud department as they do not have a phone number. I filed a dispute on my credit report and sent letters to each agency and Genesis credit. XXXX will not remove stating it is accurate information. I have filed with the XXXX  as well. I want this removed from my credit report as I did not open this account. 

I will continue to send letters to the credit bureau and Genesis Credit hoping to have it removed. I do not have this kind of money to pay on something I do not own. Please help
Consumer complaint received 2022-01-27
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: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. I sent a cease and desist letter to Portfolio Recovery Associates. I never gave them permission to communicate with me on any medium and I have requested that they stop communicating with me on all mediums, included but not limited to : credit reporting agencies, telephone, mail, social media etc. This letter was sent via certified mail, and I have attached the letter and certified mail receipt attached to this complaint.
Consumer complaint received 2021-05-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY ()

TD Bank NA decides to close my account for digital fraud. I still have roughly XXXX in the account still and they have yet to cut me a check or wire it to me. 
Their reasoning was for not giving me back my money was I have to physically go to a branch to get back my money. I am not sure if TD knows but there is a global wide pandemic going on and traveling across countries is impossible. 
I was redirected to their " Demarketing '' Department but was left on voicemail every single time I call that line. They prompted me to tell them my reference number ( which I was never given and when requesting for one, they don't know what it is XXXX, my account number, phone number, and best time to contact me. I have provided them with all the information I can give, but to no avail, they have yet to contact me. I have tried emailing them, calling them, and even went to my local XXXX home branch to try resolving this issue but TD decides this was not worth their time. It has been almost a month and I have finally received a letter from their head office saying my account and relationship with them are closed.
Consumer complaint received 2022-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

My husband and I hold a spousal consolidation Federal Family Education Loan ( FFEL ) - a program that was terminated in the early XXXX - which prevents my burden from becoming eligible for public service loan forgiveness, despite that I have been teaching in a qualifying public university for 19 years and have never missed a student loan payment since I started to repay my debt in XXXX. The original loan was for +/- {$85000.00} and to date, we have paid a total of +/- {$130000.00} in principal and interest. 

Apparently, although FFELs are federally guaranteed loans, they can be backed by banks or private lenders ( ours is backed by the State of New York ) and, currently, do not meet the US Department of Educations qualifying criteria for the PSLF program. Of course, the vast majority of students who took out FFEL loans did so long before the PSLF program was created in XXXX and, therefore, could not anticipate the criteria that would be used to determine which loans would qualify for a program that did not yet exist. For this reason, those borrowers under the FFEL program who meet the current criteria in place for PSLF should be grandfathered into the forgiveness program. They are federal loans as well as indicated in the very name of the program under which they have been issued. I should note that at the time of consolidation in XXXX, my husband and I were never told about these differences between FFEL and direct loans.

Furthermore, the US Department of Education has severed millions of us from any kind of relief in the future. Borrowers with spousal consolidation FFEL loans can not reconsolidate into a new one a direct loan that is considered eligible under PSLF even if it means restarting the clock and making timely payments for an additional 10 years. There is no mechanism in place under which this can be done. In short, loan conversion is not possible and no relief is available to some of the longest-paying borrowers in the student loan system.
Consumer complaint received 2021-05-18
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. (TX)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX BANK XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

-- COLLECTION ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.
Consumer complaint received 2017-08-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: LOBEL FINANCIAL CORPORATION (CA)

I 've been struggling to try to pay my loan due to the fact I work and go to school and is trying to get by everyday and then I ended up XXXX for traffic tickets and lobel financial repossessed my car I understand they 've been trying to contact me but how when I was XXXX and could n't do anything. They told me I could n't get my car back unless I pay the full {$7000.00} loan by XXXX XXXX! Who has that kind of money to just give out! I explained my situation and the girl kept saying because it 's a new loan it 's nothing they can do about it. I 'm pretty sure they can I was willing to make the {$680.00} I owe plus the repossession fees and still they were n't budging. People go through situations and events that we do n't ever expect to happen in our life. why ca n't they understand, I promised I would. It be late anymore and she just kept offered the repossession tow yard number. She was very rude and just hung up the phone on me and my girlfriend. She did n't allow me to speak to management and just kept saying there 's nothing she can do! Yes there 's something u can do! Let me speak to management besides hanging up on people!
Consumer complaint received 2023-01-12
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: BARCLAYS BANK DELAWARE (VA)

In XX/XX/XXXX, I applied and granted a XXXX credit card co-branded by Barclays Bank Delaware and XXXX XXXX XXXX. I was promised 30,000 bonus points after a minimum spending within the first few months and some more points for every dollar transferred. I never received the bonus points and all subsequent points from the credit card spending to my XXXX XXXX  reward account. I provided my XXXX hotel reward account number during the online application. When I called Barclays, the agents forwarded my call to Choice Hotels to fix the problem, and similarly Choice Hotel agents forwarded my call back to Barclays to fix it. Basically, someone didn't assign my Choice reward account number correctly to my credit card, so I could never receive the points. Both Barclays and XXXX failed to resolve the issue. I closed my credit card account on XX/XX/XXXX with XXXX points allegedly already sent to my XXXX  XXXX. The total points ' monetary value is {$200.00}. I suspect I'm not the only victim of this fraud.