davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-30
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

They refuse to address issue over phone where we can talk NO, they rather send NO supporting documents and continue to make me and others suffer, I am dying because of them, my life is ending fast over their theft. Of course they need more time research they are committing illegal crimes and need to be stopped, the consumer has been cut out of the equation in the process. THEY PROMISED to call but refuse cause they know they owe money they rather commit fraud, consumer terrorism and murder and embezzlement cause regulators let them get away with this. Disgusting, I Am loosing my life and future to this and I will not tolerate it. It will be fixed.The issues we have with USAA BANK/CREDIT CARD/DEBIT CARD/LOAN SERVICES/CHECKING/ALL AROUND CUSTOMER SERVICE/RENTERS INSURANCE/AUTO INSURANCE/UNFAIR CREDIT REPORTING and all the things that follow from BAD FAITH INSURANCE to LYING all the way down to in my mind fraud. Before these issues, my life, my credit, my career and my identity where not only going very well, but we can prove, we never missed a bill EVER. We can also show faxes, witnesses, police reports, emails, phone records right on down the line and the fact we never were once late with a credit card bill, ever, we always paid more than was expected. So how come if we always paid on time and kept up with other monthly bills did USAA put our credit card in collections when we sent them identity theft paperwork on the credit card and checking account. Falsely putting credit card in collections itself has cost us major health, job, credit issues we never ever had as well as a whole breed of fake things on your credit. The headaches alone we go through daily and the loss in our lives is extreme. Not to mention the dozen of unpaid policy renters and automobile things need to be paid. But even from the first issue when we were massively identity theft through our checking, even though we ended up finding out who it was and there was an arrest and witness to came to us and testified to the culprit wrong doings, the whole time we had money missing from our accounts prior to finding out what was going on USAA BANK was rude and uncaring and told me that it was probably my boyfriend at the time doing it and I should have him arrested. WHAT KINDA COMMENT IS THAT And after we found out who did it, when we called to let USAA BANK know XXXX ( ext XXXX ) screamed at XXXX XXXX when he was trying to be kind and let them know what was going on, she did not care, she was more concerned if we wanted anything from them This is something we dealt with everyone from USAA, all my life I never seen any COMPANY get away with so much.
Consumer complaint received 2022-09-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

Hello! 

I am having serious issues with Experian!! 

I sent a letter back in May for them to complete an investigation into an account which i believe to be reporting inaccurately. 

They did not respond. 

So I filed a CFPB complaint and followed up with a letter of no response ( which i have attached ) asking them to please conduct an investigation. 

Not only did they NOT conduct an investigation, but they sent me a copy of my credit report instead which is NOT what I requested and can be seen in the attached documents. 

I already have reason to believe that the account is reporting innacuratly on my account. It has been more than XXXX days and they have YET to investigate. 

Please have them remove this from my credit report ASAP!!
Consumer complaint received 2017-02-22
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

I was charged on my Chase VISA by an XXXX for a plane ticket I neither wanted nor ever used. I 've spoken to Chase representatives numerous times over the last 90 days. I 've also submitted numerous messages to their secure online messaging center, but never received more than an automated response. On my phone calls I 've been told repeatedly that a dispute would be processed. The initial charge was reversed but then keeps reappearing. I submitted documentation as evidence that I never purchased a plane ticket from the XXXX, but Chase 's Dispute Department said they have no way of receiving such documentation through their own secure messaging center. This {$670.00} charge remains on my credit card without any process for reversing it. I never permitted, requested or signed my authorization from this XXXX for a plane ticket or any other service.
Consumer complaint received 2016-05-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Management Company (NC)

This issue involved a disputed amount to be paid to XXXX XXXX in XXXX. There should have been no payment due on my part but I lost that battle with my insurance company 4 years ago. I contacted Credit Management company in writing on XXXX/XXXX/XXXX offering to settle this debt for {$120.00}, which I consider very fair, but have yet to hear back from them. I would like to get this issue resolved but lack of communication from them makes resolution impossible.
Consumer complaint received 2016-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been denied several times due to a bankruptcy issue that occurred back in XXXX XXXX. This bankruptcy should have been removed off my credit report in XXXX. Trans Union is reporting this information incorrectly. And because of this my credit scores are low too. I was under the understanding that bankruptcy 's should be off the report in 7 years and removed after 10 years. But obviously this is not the case. I should not be suffering any longer on this part of my life that happened over 11 years ago. Please rectify this and get my credit back to where it should be. Thank you.
Consumer complaint received 2016-07-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (CA)

I received a call from a number that is unknown to me. I called the collection agency and was told that an account was opened with them and i borrowed money from them which i know nothing about. I want the XXXX agencies to remove that report on my record and also for the collection agency to not contact me for a debt i know nothing about. 

Thanks
Consumer complaint received 2022-09-06
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-04-14
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. (AZ)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account XXXX 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 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate. 
Please investigate this account a d verify everything is 100 % accurate or remove.
Consumer complaint received 2024-05-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MD)

I am a cosigner on the loan. My son is the primary and has not maintained the necessary income to make the required payments monthly/annually. I have made payments most years due to his low income. The company will not agree to lower payment terms that are in line with his income. They will offer forbearances from time to time and have offered multiple forbearances over the past several years. The loan is now coming out of a 3-month forbearance effective XX/XX/XXXX. I have been out of work for the past 6 months. My son was unemployed for some time as well. Navient agreed to this last forbearance due to our circumstance. However, XXXX XXXX XXXX XXXX and my work is not always consistent since Covid. His income is still relatively low. XXXX XXXX  did not live up to what it promised and the curriculum ( 10-12 hour days ) was not sustainable for him and he eventually failed the course. The loan has been through 3 different institutions XXXX, XXXX XXXX XXXX, now Navient. The loan of XXXX is now XXXX and payments were {$370.00} to start now $ XXXX. We started making payments in XXXX. We have seen instances where Navient has been required to forgive loans based on their bad practices but they've consistently told us that we do not qualify.
Consumer complaint received 2021-10-03
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: TRUIST FINANCIAL CORPORATION (TN)

There was an inquiry placed on my credit report on XX/XX/2021 by Regional Acceptance Corp. that I did not authorize. I have asked them to remove the inquiry and they refuse to do so. I asked them if they had any documentation showing my signature or anything of that nature. I didn't receive a clear response on that. If they don't have documentation showing I signed something or requesting something from them then I expect them to remove it. I don't want to go to more drastic measures and report them to the XXXX.
Consumer complaint received 2017-05-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

Continued attempts to collect debt not owed. Account was removed from my credit report on  XXXX   XXXX  , 2017 and was placed back on my credit without my knowledge. I do n't have a contract with National Credit Adjuster 's and this debt is not owed. A complaint will be made to the BBB if this is not removed. The address you have tied to the account in question is one that I ha ve never lived at.
Consumer complaint received 2015-12-02
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: PNC Bank N.A. (DC)

I applied to PNC Mortgage earlier this year to refinance my home mortgage and pay off my student loans. The bank, which holds my current mortgage, received my income data in the first few weeks of what turned out to be a five month-plus review process. It misleadingly encouraged me to proceed with the process, which cost me more than {$1000.00} in appraisal and other administrative costs, telling me repeatedly I had been " conditionally approved. '' The bank made unreasonable and continually changing documentation demands on me and then rejected my application. I disputed the the bank 's decision and especially the way it made it. About a month ago, I requested a refund of {$790.00} I spent on the loan review process. The bank has not responded to my request. I have attached to this complaint XXXX recent e-mail chains between me and PNC Mortgage officials : the first describing why I opposed the decision, and the second making the case for the requested refund.
Consumer complaint received 2021-05-21
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation (SC)

I paid my last car payment on XX/XX/ 2019 and purchase a new vehicle in XXXX. The dealership took my vehicle as a trade for the new vehicle. They contacted the other dealer to inform them the car was at their location and for them to pick it up. However, They did not pick up the vehicle until almost 2 months later. This cause my credit to show a repossession and late payments. I was told it had damages to the vehicle in which I did not damage. I asked for pictures I never received them of the damages. They contacted my insurance company to pay for the damages. I also had GAP insurance in which would have paid off the remainder. I tried calling, disputing and even had a lawyer to dispute the collection. Each time the creditor would add things to my credit to make my score down each time. They keep adding repossession on my credit report for each month since XXXX of 2019 till now. This is unfair to me and reflects me from getting anything using credit.
Consumer complaint received 2017-01-04
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (NC)

Discover, I am very upset by the way my dispute is being handled. I am seriously considering transferring my balance and filing suit as a result of this dispute for {$470.00}. I initally filed the dispute because it was taking the appraisal company too long to send the documentation, even though as i have stated to you that i never needed the appraisal in the 1st place because i aready had one done myself. There was a mix-up in the communication and my card was never supposed to be ran in the 1st place. Either way XXXX agreed to cover the costs as stated in the email that I sent. I get a notification from discover saying that the case is closed and the merchants favor. I get this and call in on the week of XXXX to reopen the case and it is a hassle to get the case open which I do n't really understand. I am advised by your CSR to submit documentation showing that XXXX agreed to pay which I do. I called in on XXXX to see if the case has been reopened and get a runaround from your dispute team reviewing the documentation and they do not reopen the case based on word jargon. They get fixated on the fact that XXXX states in the email uploaded that I am getting cash back I refuse to reopen the case unless I provide documentation showing it which I have at this point. 
First and foremost I do n't understand why it is such a hassle to put something in dispute in the first place it is nothing like XXXX or other creditcard companies dispute process. I feel like you have to fight to get a dispute opened or reopened discover needed adapt amx 's or other credit card companies dispute process/ methodology. This is because it reopened I am not on close my account I am getting our family attorney involved.
Consumer complaint received 2017-01-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC (IN)

Agency rep called my place of business and pretended to be a customer calling to " confirm an appointment '' when I indicated I could help confirm that appointment, she asked my name and then asked my name and date of birth, I knew then that she was not a customer at all, just lied to extract information. I told her not to call me at my workplace
Consumer complaint received 2016-08-19
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CMRE Financial Services, Inc. (CA)

Over the last two plus years I 've received phone calls from CMRE, a debt collection company claiming I owe a hospital bill, but they will not provide me with proof. They 've called from numerous phone numbers in an attempt to disguise their identity when they call. I had not heard from them in close to a year, but they have begun to call again. The last phone call received was XXXX/XXXX/16 from XXXX.
Consumer complaint received 2016-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WA)

Rushmore is denying a short sale that we have had in process for 60 days before the foreclosure date. They never did an interior appraisal. They only did a drive by one and gave it an unfair market vlaue. We provided pictures, comparables, and a detailed explanation for why their value was too high. We even got an ALL cash buyer to take on the responsibilty of fixing the home to avoid foreclosure. Now they are transferrign the loan to XXXX Mortgage. But the foreclosure will take place before the transfer. We need help.
Consumer complaint received 2016-03-04
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

THERE IS TWO HARD INQUIRES ON MY CREDIT REPORT THAT I DIDNT CONSENT TO AND I HAVE ASKED FOR PROOF OF THE APPLACTION BUT ONE MAIN FINACIAL HAS FAILED TO DUE SO
Consumer complaint received 2016-11-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (TX)

I continue to get debt letters from a company called convergent outsourcing inc account number XXXX that I have no knowledge of. It appears to be from XXXX and I have never had a XXXX account. I have attempted to dispute with credit bureaus but it does not seem to have made any progress.
Consumer complaint received 2022-08-09
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-09-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Firstsource Business Process Services, LLC (MD)

Took out a loan thru the school now I found out the school has closed and I am unable to continue earning my XXXX degree. My credits will not transfer and I am stuck with the bill they did not offer me any refunds
Consumer complaint received 2015-08-02
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Around XXXX of 2005 I applied and received a Home Equity Line of Credit with XXXX XXXX. I started making my payments and was paying a little more than the required amount. Shortly thereafter, I received a statement from Specialized Loan Service ( SLS ) dated on the XXXX of the month with a due date of the same XXXX of the same month. It has been a nightmare since then. I started receiving statements with fees, codes, and my payments going to unapplied funds, I have no idea what they are or what they are for. I tried to contact SLS several times attempting to get clarification an to have the issue resolved with no luck. When I called I would explain the problem get transferred several times, get cut-off/hung-up and some were just downright rude. When I wrote I got no reply or a letter stating " we found no error ''. This became tiresome and frustrating. I continued to send my payments, each one with a Post Office COM and they continue to go to unapplied fund. On several occasions they threatened to take action. As crazy as it sounds, I was so frustrated, I thought I might be able to get answers then. Earlier this year I discovered that SLS was not the owner of the loan. I knew that I needed to get this issue resolved before the loan became due in order to have it settled with the correct balance. I called SLS to get the contact information for the Lien holder. My first XXXX calls I was told they did n't know who owns the lien and that they do n't have access to that information. I thought that was strange. On my XXXX attempt the gentleman advised that I write in to request the contact info. I wrote to SLS informing them that the account is been disputed and requested the lien holder 's info. They then sent me a statement adding another {$3600.00} to the already disputed balance. I just learn about CFPB and hope that it will help me to put some closure to this nightmare.
Consumer complaint received 2022-09-06
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. (NV)

In Accordance with the Fair Credit Reporting act XXXX Equifax has Violated my Rights 15 U.S.C 1681 section 602 A. States I have the Rights to Privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions.