davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
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. (NY)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I have sent several letters asking to remove the incorrect names and addresses on my credit report. First, I don't know how the information was provided because I dont have accounts of anything on my report I have NEVER lived at the addresses provided on the reports. Please be advised I have sent 5 letters at 5 different times asking to send a revised reports with the correct information on it. 
I have sent letters to Experian, XXXX, and XXXX  on XXXX Please address the the bureaus any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} Please help me and advise how to proceed.
Consumer complaint received 2023-02-10
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. (VA)

Unautorized Illegal inquries on Equifax Credit Report. Certified letters XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-26
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. (CA)

I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX XXXX XXXX XXXXXXXX, CA, XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX COLLECT XXXX Date Opened : XX/XX/19 Balance : {$100.00}
Consumer complaint received 2018-05-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRSTBANK (AZ)

Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Checking or savings account Issue : Problem with a lender or other company charging your account The bank has not mailed me a check as promised since last week. The bank has shorted the amount to be refunded to me by {$45.00} and {$68.00}. These charges are bank issued charges for NSFs caused by unauthorized transactions. The promised money order for {$72.00} has not been received. The total amount to be refunded should be {$180.00} Please make a sincere effort to resolve this issue. 
Respectfully, XXXX XXXX and XXXX XXXX
Consumer complaint received 2022-02-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (NV)

I purchased a XXXX XXXX XXXX from XXXX in XXXX. They arranged financing through their preferred lender, Bridgecrest. ( Bridgecrest is owned by XXXX XXXX XXXX, a XXXX, XXXX -based used-car dealer. XXXX was spun out of XXXX ) I made regular payments to Bridgecrest on the car and paid it off XX/XX/XXXX. I have not received the title and it has been over a year. I have contacted Bridgecrest, XXXX and the NV XXXX multiple times and have gotten nowhere. Bridgecrest states they have released the title twice. The XXXX states that the lienholder listed on the title is actually XXXX and they will not send the title to me with a lien release from Bridgcrest as they have XXXX listed as lienholder. XXXX refuses to address my concerns and instead insists it is the bank, Bridgcrest 's issue to resolve. I have a car that I have spent over {$25000.00} and no tile after a year.
Consumer complaint received 2022-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Federal Adjustment Bureau, Inc. (OH)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-06-14
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX : Account # : XXXX, XXXX XXXX XXXX : Account # : XXXX, XXXX, XXXX. : Account # : XXXXXXXX XXXX XXXX : Account # : 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.
Consumer complaint received 2020-08-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Recovery Specialists, Inc. (KS)

ACCOUNT RECOVERY SPECIAL XXXX XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX XXXX, KS XXXX The company above has 4 collection accounts listed on my credit. 
I contacted them yesterday at XXXX XXXX central time in an attempt to pay off all 4 of these collection accounts. 
When i called the guy went through the " This is an attempt to collect a debt '' asked where i work, where my wife works, what my number is, what my address is .... 
I proceeded to tell the person there are 4 accounts on my credit I would like to pay off. 
He refuses to let me pay them off, insists that I owe XXXX, that the bills are mine and my wife 's and insists I need to set up a payment plan to pay them all off I said to send me an itemized list of the other amounts that he claims I owe because I know nothing about them but i want to go ahead and pay off the ones that are showing on my credit. 
He tells me I need to pay them all, that they have sent bills and allegedly left messages on my phone and since none of the bills had been returned I owe them and must have received them or something. 
I tell him I have no idea what these bills he says i owe are, to send me a list, he then starts talking over me and keeps trying to force me into agreeing to do a payment plan, at which time I told him I'm not doing this and hung up on him. 
This guy wouldn't even let me pay the bills I know of, and refused to provide any proof of any other bills he claims I owe, and was also holding my credit ransom over my wife 's bills he claims she owes
Consumer complaint received 2018-05-01
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (CA)

I refinanced my home with a 30 Year first mortgage and what I was led to believe was a normal 30 second second mortgage some 12 years ago through XXXX XXXX. About 9 years ago I filed bankruptcy due to the hard economic times. The accounts were sold, the first mortgage to XXXX XXXX XXXX and the second to 21st Mortgage Corporation. I have maintained the payments on the first and second mortgages and they are current as of this date. Due to the bankruptcy, on-line servicing of the account was not possible until recently. Upon review of the information I realized that I had not been sold a normal mortgage for the second. It was set up as a balloon mortgage. I originally borrowed {$150000.00} at 9.75 % interest. My payments over the past year are {$1300.00}. I noticed that the term is only 180 months or 15 years and that I currently owe {$130000.00}. I contacted the mortgage company who explained that in 2 years the loan would be due and that I would have have to pay the balloon amount off, approximately {$130000.00} or get a new loan. Is this legal? I feel I have been deceived by XXXX XXXX. My loan was a hurry up and this was not explained to me. I would not have accepted a loan that had an exorbitant balloon payment of {$130000.00} after paying {$1300.00} per month for 15 years.
Consumer complaint received 2020-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

I make my payments online on myloancare.com, the loan terms require no late fees to be charged until XXXX of the month. Until last month ( XX/XX/2020 ), there was no late fees charged when I made payment online before the XXXX of the month. This month ( XX/XX/2020 ), today when I tried to make a payment ( XX/XX/2020 ), the servicer is charging XXXX $ more to make the payment, and added terms on the following terms 0-5 days - no charge 6-9 days - XXXX $ 10-15 days - XXXX $ charge. 

LoanCare XXXX. XXXX XXXX XXXX, PA XXXX XXXX
Consumer complaint received 2018-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TCF NATIONAL BANK (MN)

My back was lost during the early hours of XX/XX/2018. When I awoke and checked my account online I found that it was overdraft. I thought it was my fault. I decided to rush to the bank to make a deposit to cover the overdraft fee and thats when I realized my card was missing. I went to my branch to report my card missing and make the deposit. The teller told me she was de-activating the missing card and she re-issued a new card. I deposited XXXX into the account at the same time. Later that evening I checked my account and found that the deposit that I made was gone and the account was back in overdraft due to fraudulent charges. My pin had been obtained and I have no idea how. I immediately called customer service and they informed that the teller had not de-activated the lost card like she claimed. I filed a complaint which was denied and I re-filed a second complaint. The bank is not taking responsibility for the employee 's error. They are trying to hold me liable for the overdraft fees and I refuse to pay for charges that I didn't incur. I desperately need outside help to resolve this matter.
Consumer complaint received 2018-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

XXXX XXXX XXXX. 
XXXX No longer has the debt as I contacted the Federal Trade Commission because I received charges for something I didnt do. They no longer have the debt as they returned it to XXXX who no longer has records of the account but DCI refuses to send me a letter, email or fax to confirm that they no longer have the account.
Consumer complaint received 2020-08-07
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. (CA)

I had a car on my credit report paid off. I did not file bankruptcy on the car. The company is refusing to show paid off. The put paid off through bankruptcy. I sent the letter to the credit bearu to show the car was paid off but they did not change the report. This is causing my score and car credit history to be low and im paying a higher interest rate.
Consumer complaint received 2018-05-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WA)

In XX/XX/XXXX I made a large payment to my student loan. I continued to make payments up until XX/XX/XXXX when I received a threatening phone call ( as well as my sister, best friend and father who have nothing to do with the loan ) that if I did not pay {$4000.00} by the end of the month, I would be sued. I was at that time told by the representative from Navient that my loan was in default and none of my payments since XX/XX/XXXX had been applied to my loan. At that time I pulled up all of my account records and bank statements which showed nothing that indicated there was anything wrong with my account and they had pulled the money from my bank. I contacted an attorney at that time as they have not stopped harassing me or my family and refuse to answer where my money has gone.
Consumer complaint received 2018-07-20
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. (MI)

i am a victim of identity fraud. There are several accounts in my name that I have no knowledge of whatsoever. The accounts reported as 33 different accounts and are as listed : XXXX XXXX XXXX {$9900.00} open XX/XX/XXXX ; XXXX XXXX {$6600.00} XX/XX/XXXX ; XXXX XXXX XXXX   {$3500.00} XX/XX/XXXX ... there are several accounts reporting from XXXX XXXX XXXX/XXXX  from the year of XX/XX/XXXX-XX/XX/XXXX. By  law and statue of limitations, these accounts should not be reporting to my credit after 7 years. There are also several accounts reporting to my credit from XXXX XXXX XXXX/XXXX in amounts of {$2500.00}, {$3500.00}, and more. All accounts from this company are reporting from the years of XX/XX/XXXX-XX/XX/XXXX which also defied the statue of limitations for debt collection reporting. There are accounts reporting from XXXX XXXX from XX/XX/XXXX which should not be reporting. State of MI Office XXXX in the amount of {$6300.00}, this is a fraudulent account open XX/XX/XXXX. Theres a fraudulent Auto Loan opened from XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$31000.00}. There are multiple accounts reporting from XXXX XXXX XXXX XXXX /XXXX/XXXX  opened in XX/XX/XXXX that also break the XXXX.
Consumer complaint received 2020-01-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

I was defrauded by a group impersonating legitimate companies through an employment scam. XX/XX/2020 I was " recruited '' by XXXX XXXX XXXX XXXX, using the names XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and an alleged HR Team. 
XX/XX/2020 They " hired '' me for a high paying position and sent me an I-9 and offer letter which I completed and returned. So they also have all my personal information. 
I was made to contact and pay {$1000.00} to a " vendor '' XXXX for materials I would need to perform the job. 
I sent the money via Zelle through my XXXX  XXXX XXXX App thinking it would be the safest option. 

Zelle has refused to issue a refund and XXXX  XXXX XXXX is not assuming any responsibility for the issue. I would have never sent money from my mobile banking app had I known it was not insured or protected. 

They also sent me a fraudulent check " to cover my training expenses and time " in the amount of {$3900.00} from another legitimate company " issued '' from a regional bank.
Consumer complaint received 2018-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (WA)

We have a mortgage with Caliber Home Loan ( https : //www.caliberhomeloans.com ), account number XXXX. The mortgage consists of loan and escrow accounts both. On XX/XX/XXXX  the loan officer XXXX XXXX informed us the escrow amount was wrong. The overall monthly payment should be {$5900.00}, down from the wrong number {$7100.00}. Therefore the monthly mortgage I paid is {$6000.00} from XX/XX/XXXX 

However Caliber home loan does not update its system and think we are short of the monthly payment. The consequences are : 1. Our payment balance was messed up, both the loan and escrow account balance by wrong late fee and penalties which caused by Caliber itself. Please refer to the attached account payment history. According to my calculation, till XX/XX/XXXX, my loan balance should be {>= $1,000,000} and escrow balance is {$7000.00}. But Caliber shows the loan balance is {>= $1,000,000}. escrow balance is unknown. 

2. Caliber careless mistake leads to both my husband and my credit score sharply drop from 800 level down to 600 level. 

3. OnXX/XX/XXXX, Caliber sold the loan to central loan administration and report ( XXXX ), and passed all the wrong information like escrow amount, loan balance and escrow account balance to XXXX. Although Caliber promised to fix it for us, one month after the transaction, the mistake in XXXX has not get corrected. The record from  XXXX still shows our monthly payment is {$7100.00}. 

After the loan selling to XXXX, CALIBER did not inform us to pay XXXX afterwards. Without the right payment information, we paid our XX/XX/XXXX mortgage {$6000.00} to Caliber still. Although Caliber claimed that it forwarded the {$6000.00} to XXXX on XX/XX/XXXX, XXXX has not received it ever since. When both XXXX and us asked CALIBER to provide the express mail tracking number and check number, CALIBER just could not come up the numbers.
Consumer complaint received 2022-02-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The TransUnion credit reporting agency ( XXXX ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the XXXX XXXX XXXX XXXX XXXX XXXX and Account Management Policy. And the second being the XXXX, which requires all reporting to be XXXX XXXX accurate. If the information is NOT XXXX XXXX accurate it must be deleted from the agencys report. The following information listed below is inaccurate. 

XXXX XXXXXXXX XXXX XXXX : {$3200.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$150.00} ; XXXX XXXX XXXXXXXX Balance : {$130.00} ; XXXX  XXXX Balance : {$200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX CREDIT COLL ( Original Creditor : XXXX ) XXXX : {$62.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX {$160.00} ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX FS XX/XX/2021 ; XXXX XXXX XX/XX/2021
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: National Collection Systems, Inc. (MI)

I had ongoing problems with online campus starting in XXXXso I began in person classes. GPA XXXX, did very well. XXXX XXXX XXXX  has requirement online for XXXX XXXX, had NO choice. Issues began again immediately-multiple contacts to help desk, even registered for school issued laptop-didnt clear. Emailed homework in, couldnt participate with XXXX Got a police report filed, 2 days later FBI shut down online campus to correct. I had to drop the class, was already too far behind. This isnt offered in person, I lost my scholarship, lost funding, and GPA was also reduced. Now my credit is being negatively affected for something outside my control and neither the school ( filed Administrative appeal which was denied ) nor the FBI will release liability. Disputed on credit report, and am filing this complaint. I will be seeking legal assistance after completing this process. Everything has a procedural process, this is my final step.
Consumer complaint received 2022-06-16
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. (NC)

XXXX accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2021-09-20
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 accounts are not mine. I do not recognize them and I am victim of identity theft. Please take a look at these accounts below and make investigation someone stole my personal data After investigation please delete these accounts from my personal credit profile XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co - XXXX Please help me and remove them
Consumer complaint received 2020-08-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (TX)

XX/XX/2016 I lived in XXXX XXXX XXXX, was diagnosed with XXXX XXXX and could not work any longer, and had no choice but to move out, talked with the landlord before I moved and she stated since it was a serious medical condition, it would not be reported as a broken lease. But now it is and it's hurting my credit badly. 
Now it's on my credit report and the apartments is under another management company and that manager is no longer there and they have no files on me at all. 
Hunter Warfield Inc XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX XXXX Original Amount {$3000.00} Balance {$3800.00}