davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Equifax repeatedly ignores and violates my rights under the FCRA. They continue to report unverified items on my credit file after repeated request from all parties involved for verification. To date I have not received anything in the form of verification i.e. executed contract(s), 1st hand account of credit agency rep verification from original creditor(s). receipts, canceled checks from my bank account, etc...
Consumer complaint received 2019-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 for 30 days late? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2018-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, due to Hurricane Maria 's, Chase Mortgage offer a Forbearance plan to us stating that our monthly payment could be stop for a period of 6 months and such payments would be place at back of loan in order to help hurricane affected areas to repair any damages due to the storm. In XX/XX/XXXX I called in to pay my XX/XX/XXXX mortgage payment. I asked the status in reference to the letter stating that the 6 months payment will be applied at the back of the loan. I was then informed that in XX/XX/XXXX, I was not qualified for the Forbearance plan due to the type of loan that I have. I never received a call nor a letter from Chase informing me that I was denied. I was then told if I don't pay the 6 months mortgage payment, I would be in default on my loan, which is over 13,000.00.  Chase at all time had knowledge of my loan type and still misinformed me.
Consumer complaint received 2022-03-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (MA)

This started sometime last year with a phone call and leaving voice mal messages for me to call them back regarding this debt. Then it escalated to sending out a letter asking me to acknowledge the debt. I called the company on Wednesday, XX/XX/XXXX and spoke to a representative and told them I do NOT know about this account and I will NOT back a debt that I wasn't familiar with and very very old. The rep had no clue on how to address the matter. They tell you to call, write or email them about the debt. When I called the rep wasn't helpful at all. I told her that I wouldn't pay and that we can go the court. I also went on to explain that I would send something in writing regarding this debt and that's exactly what I did about 2 and half weeks ago. I sent them a letter telling explaining that I wasn't responsible for this account and that I would not own the debt. I also once again, told them that I would like to go to court and handle this matter but until then, I would not pay a cent. I received another letter on Wednesday, XX/XX/XXXX regarding the same matter, after I sent a letter. I did not open a checking account, savings account or credit card with this company back in XXXX. I will not be responsible for this debt and would like to proceed legally if I have to. The first letter I received from them did threaten to take actions on my funds it I didn't pay or could ruin my credit. I'm sick and tired of having to make weekly or monthly claims to CFPB or FTC. It's f*ing with my mental health and it's highly stressing me out. Especially when I 1000 % am sure that this is not something I took part in. I don't have no idea what this company is and what is pertains to. Is it a bank for checking/savings? Is it a credit card company? Is it both? They will not share this information with me and I even asked them to. Either they see me in court or leave me the XXXX  a lone!
Consumer complaint received 2019-10-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I Sent 4 requests for a signed copy of contract along with a request for accounting based on XXXX XXXX accounting practices. 
I have received neither. There is no debt and Capital One failed to prove a debt exists. I have an unrebutted affidavit of XXXX balance. 
My credit has been affected and they keep ignoring me and have filed a lawsuit. I ask for Capital One to comply with the Law and take this off my credit report
Consumer complaint received 2019-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX & XX/XX/2018 FOR 30 DAYS LATE???

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-09-11
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)

On XX/XX/2020 i contacted XXXXXXXX XXXX  car loan company and XXXX XXXX XXXXXXXX to ask about a account that was open in my name XXXX account number XXXX and XXXX XXXX  XXXX account number XXXX i asked them why this was reporting under my name when i did not authorize these accounts to be open in my name. i never gave them authorization to do so with my personal information. there contacted number is XXXX XXXX and XXXX XXXX  XXXX XXXX i also contacted XXXX, Equifax and XXXX  regarding this matter with no resolution.
Consumer complaint received 2017-12-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TN)

I was on a forbearance due to the XXXX XXXX and I noticed the loan grew, when I asked why someone was suppose to call me back but never did.  XX/XX/XXXX.  I went back to school in XX/XX/XXXX and I see another loan for XXXX more dollars.  I asked to consolidate my loans because, I make less money now and was denied.  I got a bill due for this month but I can not get anyone to address the XXXX.  I also got a notification that the school is being closed and any paper work may be lost.  I told Navient this and they said that I would not have to pay it probably, but I can not get anything in writing.  I do not want my credit affected by this.  Thanks for anything you can do for me, I just want some answers.
Consumer complaint received 2015-06-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (SC)

XX/XX/XXXX mortgage for XXXX over 15 yr. 11.95 % balloon payment, under HAMP we were denied a mod for 13 yrs. 6 mon. before finally dropped {$650.00} mon. to {$400.00} and lower % to 4 %, had major hardship XX/XX/XXXX, XXXX XXXX, no insurance or job, they raised payments for XXXX yrs. During mod review from XX/XX/XXXX-XX/XX/XXXX they attemted to Foreclose, this is Dual tracking, tacked on over $ 28k in penalities in that time span, so I owed over $ 28k more than I financed at end of term, now they filed Foreclosure 2 yrs. later, looking for help, never told about Recsission
Consumer complaint received 2022-08-10
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. (NJ)

A EX-SIGNIFICANT OTHER USED MY PERSONAL INFORMATION TO CO SIGN A LOAN ON HER BEHALF WITHOUT MY UNDERSTANDING OR CONSENT. I WAS TOLD THAT MY ONLY RESPONSIBILITY WOULD BE PAYING EVERY MONTH USING MY CREDIT CARD WHICH AFTER WE BROKE UP I DISPUTED AND TOLD I WAS NO LONGER PAYING. NEVER DID I AUTHORIZE ANYONE INCLUDING THIS COMPANY TO USE MY PERSONAL CREDIT TO SIGN FOR THIS LOAN. I ONLY AUTHORIZED MY EX XXXX XXXX TO USE MY CARD MONTHLY FOR PAYMENTS ON A MONTH TO MONTH BASIS UNTIL I SAW FIT. ONCE WE WERE NO LONGER A COUPLE I NO LONGER HAD OBLIGATION TO THIS MONTHLY OBLIGATION NOR DID I EVER HAVE KNOWLEDGE OR UNDERSTANDING THAT THIS WOULD BE REPORTED ON MY CREDIT AS I NEVER SIGNED ANYTHING WHATSOEVER, ENTERED ANY ESTABLISHMENT GIVING PERMISSION, ONLY VERBAL WITH MY EX SIGNIFICANT OTHER THAT I WOULD HELP HER.
Consumer complaint received 2022-03-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (TX)

A debt collector sue me because i owe discover bank an amount of XXXX $ and they send me a citaion on XX/XX/2022 with amount of XXXX $ and i called then to discus the payment options, i told that i can make a monthly payment of XXXX $ monthly and they refused that amount even if i said that all what i can afford because i have another bills i need to pay too.
Consumer complaint received 2019-05-11
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: Experian Information Solutions Inc. (UT)

I filed a dispute with Experian because they have two companies on my credit report with whom I never signed a contract. These are : XXXX   XXXX  ( aka XXXX XXXX XXXX ) and XXXX XXXX XXXX. It has been over sixty days and they still have not removed these collections from my credit report. I have never had business with either one of them.
Consumer complaint received 2017-10-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Synovus Bank (AL)

My wife executed a mortgage and loan agreement with Synovus Bank in XXXX, Alabama on XXXX XXXX, XXXX. We had no problems with the local officers. 

However, subsequent to closing we have received contact from XXXX XXXX XXXX from the loan processing department in XXXX ( two emails to me ) and XXXX XXXX from XXXX XXXX XXXX XXXX ( one call to my wife today ). These emails and call state it is part of the post loan closing review. 

They keep asking about the house I included in my bankruptcy which my wife had absolutely nothing to do with. She was not on the note for that home. I provided them a copy of the note which clearly reflects this. 

Lastly, XXXX XXXX has bought the loan and they were my lender on the house included in the bankruptcy. I am continually being questioned about a loan that was included in bankruptcy and I think that violates the current credit law. 

The bottom line is that I would like for the harassment to stop.
Consumer complaint received 2015-03-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

Penny Mac purchased me Note from XXXX, At the time my loan was sold XXXX had agreed to terms on a loan modification. Penny Mac then required me to resubmit a new package and I was turned down. It was then requested I resubmit which I have done several times and have not had any resolution.
Consumer complaint received 2015-07-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: NRA Group, LLC (FL)

National Recovery AgencyXXXX. XXXX XXXX, PA XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : NATIONAL RECOVERY or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, NY XXXX
Consumer complaint received 2021-09-07
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. (OH)

I have been disputing a particular account since XXXX. And since that first letter was sent, I have followed up with four more letters regarding the same account. The last letter that I sent, I requested a method of verification as within my rights according to the FCRA. I have yet to receive a response describing the method of verification. Beyond that, I have sent letters that have gone unanswered prior to this last letter as well. I feel like my request to have this account be removed is being ignored. I have stated several times in several letters that the account in question is appearing as an open account, yet it a collection/chargeoff. That is not possible and it is completely inaccurate. I have a right to have a credit report that is accurate and complete. This is a violation of my rights and are completely being ignored.
Consumer complaint received 2017-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Brelvis Consulting, LLC (NM)

I was attending a private college, XXXX XXXX College, for XXXX. The school is closing and I am unable to continue due to their closure. I have accumulated a large debt from financial aid and needed to figure out how to pay it off. I thought I was dealing with the actual Department of education about my loans, trying to consolidate them. The company The Student Loan Help Center ( TSLHC ) said that I needed to pay {$790.00} for this service. Of course I ca n't afford this so they set up a payment plan of 4 monthly installments. After the second payment went out I recieved a notice from the Department of Education ( DOE ) stating that my Power of Attorney was declined. I called the DOE and was informed by XXXX of the reps that they provide this service for free and the TSLHC is a 3rd party debt relief company scam. I called my Bank and faxed the letter stating the declination of my Power of Attorney. My bank reversed the charges and changed my account # so they would not have any further access to my funds. 
I was contacted by the TSLHC asking for the third payment, I stated I needed to discuss this with the DOE. I then called the DOE and again was informed not to speak with TSLHC, to call the State Attorney General and file a complaint of a 3rd party debt relief company scam. I did this and was redirected from the Attorney Generals office to contact the Consumer Financial Protection Bureau and place a complaint with them. 
If you need any further information you may contact me. 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX New Mexico XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2019-03-04
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. (KY)

I have requested numerous times that and a XXXX be removed form my account. It is illegally there as I was never billed for These services and my information was obtained illegally.
Consumer complaint received 2016-07-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received a letter from XXXX stating I had a balance from a capital one credit card. I asked them when this was opened and to send me the proof that this was my debt they said it could take ninety days I responded with you have thirty according to the law that is enough time for you to get me the information. They then sent me a letter 36 days later without proof the debt was mine and said they had just opened an investigation into the matter thirty days later. I called in response to this letter and asked them to stop their collection efforts and to remove this from my credit file immediately since they could not provide the necessary information in the time slotted.
Consumer complaint received 2017-12-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Accelerated Financial Solutions, LLC (TX)

I disputed an account the showed up on my credit file. It was XXXX XXXX XXXX XXXX. Directly after the dispute the item changed to XXXX. Then when they did not respond the item was removed from my credit file. Neither the original account or the second name of the original account are on my credit file. I never recognized this item. It is identity theft. 

After the items were removed from my credit file I got a letter from AFS in the mail trying to collect the debt. When I called the company as the letter requested, the person on the phone did not know who consumerfinance.gov was, refused to acknowledge that the accounts have already been removed from my credit file. I tried to explain that the debt his company purchased was not valid. He refused to listen. He offered me no solutions for the hishap. He didnt offer to send a fraud/ID theft package. He also told me the debt was valid, and would n't look into what had already happened. This item is not on my credit file as of yet, and should not be on there. The company needs to stop trying to collect a debt that has already been found to be fraudulent. I tried to included XXXX in this current dispute, but they are still not a valid company with consumerfinance.gov. I included documents to show that cfpb.gov sent it to the regulator ftc, and then the item was removed from my credit file. Please cease and desist any further collection attempts including putting item back on my credit file.
Consumer complaint received 2017-12-26
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: JPMORGAN CHASE & CO. (TN)

Since XX/XX/XXXX Chase has been illegally running hard inquiries on my credit report WHEN I HAVE NOT APPLIED FOR CREDIT. I have filled numerous reports including police reports and they have not stopped yet. XXXX is participating by not removing the hard inquiries even though THEY KNOW that I DID NOT APPLY AND THEREFORE THE CREDIT HAS BEEN RUN AGAINST THE LAW! XXXX has acknowledge that they are fraudulent and have removed there erroneous and illegal inquiries. I am filing this new complaint because they are doing it AGAIN on XX/XX/XXXX according to my credit monitoring company and to a letter that I 've received in the mail today. I have  filed a FCRA Federal Case against Chase and XXXX and am filing this with you because it has n't stopped and its your job to take action and reports on problems such as this. In XX/XX/XXXX Chase left out the " XXXX '' on the fake inquiries after I complained to you about it. In XX/XX/XXXX Chase has included " XXXX '' again. I HAVE NOT APPLIED THROUGH XXXX OR OTHERWISE AND THEY ARE DOING THIS ILLEGALLY AND I WANT CHASE TO STOP AND WIPE ME FROM THEIR SYSTEM. THEY SHOULD BE AWARE THAT THEY DO NOT HAVE THE RIGHT TO USE MY INFORMATION BECAUSE IT WAS NOT SUBMITTED BY ME! I ALSO WANT XXXX TO REMOVE THE ILLEGAL INQUIRIES AS THEY SHOULD.
Consumer complaint received 2017-12-26
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: Experian Information Solutions Inc. (IN)

I recently found an item on my credit report with all 3 bureaus ( XXXX, Experian, and XXXX ). With XXXX, the fraudulent account appears as " Indiana XXXX XXXX '' with date open of XXXX and account balance {$19000.00}, account # XXXX. With Experian, similar information is listed with the addition of an address and phone number : XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX This address is for Indiana University XXXX XXXX, but the phone number takes me to what I believe to be fraudulent individuals attempting to get me to make payments for a loan I did not originate. I have also been getting letters and voicemails from individuals claiming to be associated with Indiana University that I have not responded to due to the appearance of fraud. The most recent of these voicemails was left on my cell phone on XXXX XXXX, 2017 at XXXX from phone # XXXX. The voicemail reads, " Hi I 'm trying to reach XXXX XXXX, this is XXXX with Indiana University, please give me a call at XXXX, option 6, thank you. ''