davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Designed Receivable Solutions, Inc. (DC)

DESIGNED RECEIVABLES SOLUTIONS ( DRSI ) hereby referenced as 'Defendant ' incorporated in the state of XXXX ; XXXX. as a foreign entity in the state of CA entity # XXXX alleged consumer hereby referenced as plaintiff of owning debt as a result of identity theft for a total amount of {$490.00} Plaintiff requested defendant to perform debt verification pursuant to the tenets of Section 809 ( 15 USC 1692 ), Validation of Debts, within the Fair Debt Collection Practices Act ( FDCPA ). 
Plaintiff was misleadingly asked to provide his personal data such as address which is different from the address defendant had previously collected from his client, XXXX. [ Exhibit.1 ]. Defendant purposely collected data to match consumers ' profile and therefore have this fraudulent item reported. Nevertheless, the collected data such as address should have been used for legal correspondence purposes only between plaintiff and defendant pursuant to 15 U.S.C. 1692 Section 805 however defendant used this address to falsely and knowingly report fraudulent information on defendant 's credit profile AFTER plaintiff indicated that debt is result of identity theft. 
Prior to credit bureau reporting, plaintiff performed validation of this debt and responded within the 30-day time period as set by 15 U.S.C. 1692 Section 809. Plaintiff informed defendant regarding the fraudulent nature of this debt. Specifically, following information does not match with plaintiff 's consumer profile : SS # Address # Insurance information # Plaintiff claims this debt is fraudulent. Plaintiff provided a copy of his police report to further justify his claim further requesting the defendant to refrain from reporting fraudulent data on consumer 's report pursuant to FCRA 1681 Section 808. Plaintiff requested defendant to cease further communications with plaintiff as per the fraudulent nature of this debt. 
Nevertheless, defendant reported this debt to plaintiff 's credit profile which violates the Fair Debt Collection Practices Act. Defendant is in violation of the following FCRA 1681 Section 808 : 807. False or misleading representations 808. Unfair practices 809. Validation of debts 812. Furnishing certain deceptive forms
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (IL)

this is the second time i'm filing this complaint with cfpb, checkr background check has a eviction listed on their report belonging to me case number XXXX i have disputed this with them this does not belong to me after pulling the public records there is no personal information belonging to me such as my social security number is not listed on this judgement or complaint after speaking with the filing party they couldn't verify my social either this is being reported solely because of the name is similar not other proof or reasons to show this belongs to me after speak with checkr they keep saying this was verified thru public records but how when you can verify my social security number only being verified by name this is totally wrong and inaccurate please help with removing this immediately.
Consumer complaint received 2015-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Dear Consumer Financial Protection Bureau, Thank you for responding. 
I am attaching the XXXX XXXX XXXX suit that XXXX XXXX group prepared for us in their findings on our loan history. 
They had proved mortgage fraud, but it seems like no one can get anything done in XXXX in behalf of the consumer. Our loan was illegally pushed by XXXX XXXX XXXX. The property appraiser that worked with XXXX XXXX was arrested for over appraising homes, to push and get loans approved for XXXX XXXX. XXXX bought the loan and would never really work with us for a loan remodification they just went through the motions. They had XXXX different offices in XXXX states within XXXX that sent us XXXX sets of fees and tacked them on to our loan creating a bigger mess. When we first applied for a loan remodification the representatives at XXXX financial had said they would work with us. We kept getting request for the same paperwork package three times not realizing that they had XXXX different offices within the same corporation in XXXX different states working on the same loan remodification. After they told us we did not qualify they tacked on all the back fees to our loan from XXXX different applications so it was times XXXX because no one from their company was communicating with anyone else. When I started to complain they sold us to XXXX. We found it so frustrating and wondered how they could get away with this. My wife XXXX and I then tried through the XXXX XXXX XXXX to get help out of XXXX, to see if through them, we could get results. In the beginning they put us through the process of applying for the loan remodification. When the XXXX XXXX group pressed they sold us again to SPS who decided to tenaciously hold ground and not help us. We found out later that XXXX owns both XXXX and SPS, How convenient. After XXXX XXXX XXXX proved Mortgage fraud committed by the banks which I have sent the prepared custom Lawsuit in an attachment to you XXXX XXXX XXXX gave up and said that because the Banks were not cooperating the only alternative was to sue. Since all this we had to pay back all fees and try to catch up the loan so as to avoid foreclosure. 
The banks are playing games with the consumer and the Federal Government and we are desperate to get help. If we had not been granted the refinance on our home loan that XXXX XXXX wined and dined us to process and get us to sign for, we would be only a year and a half from our loan being paid off. We felt stupid that we let the mortgage loan officers from XXXX talk us into thinking this was the right decision for us. 

Again thank you so much for even just a response. 

Please help us, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX
Consumer complaint received 2022-02-08
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NY)

I signed a lease with XXXX XXXX XXXX to lease a XXXX Challenger through XXXX XXXX on XX/XX/XXXX they were going to purchase my XXXX challenger from XXXX XXXX  who held my current lease. I provided the dealer with my payoff from XXXX and they did not do their due diligence and constructed the lease contract with the number I provided. I took delivery of the car on XX/XX/XXXX and then a few days later they called me asking to return the car because XXXX is charging them a completely different buyout then what was on my lease payoff and on XX/XX/XXXX the dealer called XXXX XXXX and they are now unwinding the lease agreement which is forcing me to bring the car back. The payment we agreed on was XXXX a month which they are no longer honoring and forcing me to return vehicle.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

I have both federal and private loans. I was n't able to complete the program for which I initially got the loans and now the payments are way too high. I just ca n't afford them. Navient has been unwilling to work with me. I 've been told many times that there 's nothing more they can do for me. I am the parent of a special needs child. He requires round the clock care and I can no longer work the hours I used to work. Navient does n't seem to care about this at all. I have heard that the Fed will be forgiving student loans for disabled/special needs students. I think they should also forgive loans to parents of special needs children who 's children put a significant time and financial strain on the family. I should n't be required to decide whether or not this month my student loans will get paid, OR my son will have the medical attention and care he needs.
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (NC)

Attempted to use the card for a purchase on XX/XX/2023 and was declined at the time of purchase. Credit was available and I had just made a {$2500.00} payment earlier in the day. Called the customer " service '' and spoke with a XXXX in security who was completely useless rude and offered no help. She said I had a security alert on my account due to the attempted purchase. The purchase was in XXXX and at a company I had made a higher purchase at ( and paid off ) a couple months ago. She would not remove the restriction without sending me a text on my U.S cell phone - I told her I was in XXXX and already authenticated my identity with her. I did not have my U.S. cell phone being in XXXX and could not use my card. 
I use my card regularly in XXXX and sometimes in critical situations where having a block on my card which is in good standing can lead to potential health problems at worst and embarrassment at least. I understand the fraud alerts but their system is terrible and so called customer is even worse.
Consumer complaint received 2022-02-08
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: EQUIFAX, INC. (FL)

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft. All XXXX being investigated by the XXXX. According to XXXX  XXXX, This information must be blocked immediately until the investigation over.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2020-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I am requesting the removal of all Fraud Alerts from my credit report. I am trying to buy a car and I can not access my credit file with the Freeze/Alert on it.
Consumer complaint received 2020-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I am requesting the removal of all Fraud Alerts from my credit report. I am trying to buy a car and I can not access my credit file with the Freeze/Alert on it.
Consumer complaint received 2018-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (OH)

I got a new phone number from my new cable company. I do not owe anyone, any debts. The second and third day of my new phone number I got a call from a debt collection company. It was a robo call with instructions to call XXXX. I have not called them. Thank you.
Consumer complaint received 2016-12-31
Product: Credit card — 
Issue: Privacy — 
Company: CITIBANK, N.A. (PA)

I am a credit card holder of the retail department store Macy 's. For more than four years I have held the " Macy 's Star Rewards '' credit card. I have an excellent payment record and credit limit of {$10000.00} with this particular card. The Macy 's card program seems to be managed by Department Stores National Bank. 
While shopping on Sunday, XX/XX/2016 at the Macy 's XXXX Mall location in Pennsylvania I was offered a XXXX percent discount if I " upgraded '' my current Macy 's account to a Macy 's American Express account. I accepted the offer as it was explained to me and completed my purchases. I received the new American Express Macy 's card in the mail and even discarded my old card under the impression that the American Express Macy 's card is my new card. I made additional purchases with this American Express card, again believing this was my one and only Macy 's account. After receiving XXXX Macy 's credit card statements within the past month with different due dates I contacted customer service and it is brought to my attention that this is not one Macy 's account, but XXXX separate accounts that I now have with Macy 's! I asked the customer service representative, assuming they are also a fiscally responsible individual, why would I ever open a second Macy 's credit account with a 25 percent interest rate and no balance or transfer offers, when I currently have an account with Macy 's with more than a sufficient amount of available credit?! I believe I was absolutely taken advantage of by what I experienced by the sales representative in-store having access to my financial information and very easily setting up a XXXX account with misrepresentation and miscommunication of a promotion. This practice was fraudulent, unethical, and takes advantage of creditworthy and financially responsible individuals.
Consumer complaint received 2022-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft. All XXXX being investigated by the XXXX. According to XXXX XXXX, This information must be blocked immediately until the investigation over.
Consumer complaint received 2021-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (PA)

I recently reviewed my reports and saw this medical collection account furnished. I do not owe this alleged debt. Also i understand under 12 CFR 1022.32 medical information can not be shared, especially without prior consent under 15 U.S.C 1692a.
Consumer complaint received 2022-02-08
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. (IL)

LONG BEFORE I FILED THIS REPORT I CONTACTED THE XXXX BUREAU 'S BECAUSE I PULLED MY CREDIT & I SAW SEVERAL INQUIRIES THAT I DID NOT AUTHORIZE. THE BUREAU 'S COMPLETELY BLEW ME OFF & TOTALLY IGNORED MY CONCERNS ABOUT THE INQUIRIES. AFTER THAT I FILED A REPORT WITH THE CFPB ON XX/XX/2021 COMPLAINT ID # XXXX. THEY SAID THAT THEY REACHED OUT TO THE BUREAU 'S & THEY FOUND ALL INQUIRIES TO BE VALID. IN XXXX I BEGAN TO RECEIVE MEDICAL BILLS FOR SERVICES I'VE NEVER APPLIED FOR, RECEIVED OR KNOW ANYTHING ABOUT. AFTER THAT I FILED A POLICE REPORT WITH THE XXXX XXXX POLICE DEPARTMENT. I HAVE ALL DOCUMENTS BACKING MY CLAIMS. I FEEL THIS WHOLE PROCESS HAS FAILED ME. I SPOKE OUT ABOUT THIS BEFORE IT BECAME THIS BAD WHEN I POINTED OUT THE UNAUTHORIZED INQUIRIES BUT I WAS IGNORED & BLOWN OFF. NOW THE DAMAGES HAVE BECOME WORSE. ALSO, I'VE RECEIVED NOTIFICATION FROM XXXX AND XXXX THAT MY SSN WAS INVOLVED IN A XXXX DATA BREACH & FOUND ON XXXX XXXXXXXX XXXX AS WELL. PLEASE HELP ME. I AM A VETERAN & I FOUGHT FOR THIS COUNTRY & DON'T DESERVE THIS. ON TODAY I ALSO FILED A COMPLAINT WITH THE XXXX XXXX XXXXXXXX. WITH EVERYTHING THAT I'M PROVIDING & ALL OF THE STEPS THAT I'VE TAKEN THERE SHOULD BE NO REASON FOR THIS TO PERSIST. SOMEONE SHOULD BE HELD ACCOUNTABLE.
Consumer complaint received 2017-02-14
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was looking at my account and I see that there were withdrawals and transactions in different states. I called and disputed the charges and they will give me a credit but will always reverse it and charge me all these overdraft fees. I was told that someone was deposited a check in my account and it was from my other account but that is impossible because I ldont have any checks for any of my accounts. I deposited XXXX in the account on XX/XX/2016 and now its all gone and I am being told that I just have to deal with it. I did my part and I am being told that it was not enough
Consumer complaint received 2016-07-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WI)

I applied for a Citigold Checking Account on XXXX XXXX, XXXX with a promotional offer to receive XXXX upon completion of the requirements ( {$1000.00} debit card spend, 2 monthly bill pays in sequential months ). I completed the requirements in XXXX, but never received my points, despite the the disclosure stating that I would receive the points within 90 days of fulfilling the requirements ( approximately XXXX ). I spoke to a Citi representative via the online chat on XXXX XXXX, XXXX who opened an investigation. However, this investigation still has not been completed as of XXXX XXXX, XXXX, and I 've had to pay an additional XXXX monthly fee. Messages from Citibank have confirmed that I have met the requirements but claim that I am not elegible, despite the offer being active on my account.
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (PA)

Experian is doing illegal acts to my credit report. I did everything to show them my hard inquiries off my report over fraud. I sent them fcra 609, 611 and a 625 request to investigate my credit freeze letting in creditors into my file. This 8s illegal. I want my 2 hard inquireys off my credit file.
Consumer complaint received 2015-10-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (MN)

I have had nothing but problems with PHH Mortgage company for the last threeeyearsand my stories could go on but let me explain whats currently happening, a few months ago in XX/XX/XXXX I decided to go through a new home insurance company which cut what I was paying for insurance in half, so in XX/XX/XXXX I called PHH advised them I needed them to do a reanalsys so that my mortgage payment that month was n't as high as if I was still with the old insurance company, Both my agent and I faxed in multiple copies of my decloration page and also had a four way call with do represenatives and my agent and I on the phone confirming they had my new insurance information. They informed me after the re analsys that i will be receiveing an overage check for about XXXX because by escrow had an overage which makes sense because it was time for renewal. well i received the check, used the money and now in XX/XX/XXXX i receive a letter saying my escrow is short XXXX $ how its that possible? so i call phh and they say the overage check they cut me i was suppose to pay my insurance, well i have never paid my insurance out of pocket, its part of my escrow. they said they letter attached to the check they sent me explain its, well they are wrong the letter says nothing of the sort and i was never informed. i have the documentation that there were funds left in my escrow they are also saying they paid my insurance because i never provided my insurance information which is untrue as well. now since Friday XXXX/XXXX/15 i was waiting on a XXXX-XXXX supervisor return call, and still have not received one.
Consumer complaint received 2019-02-22
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BTH Management (OH)

A collector named XXXX from a company called XXXX contacted me on XX/XX/2019 at XXXX. I told him I was at work and he could call me back after XXXX. He said no to that and told me he was going to take legal action against me. After he spoke to me he called my mother on her cell phone and at her work. I have never given any company my mothers work phone number. He told her that they were going to file legal action against me. I called him back on XX/XX/2019 at the phone number he called from XXXX. He said he had called a great many people about my account. When I tried to speak to him about this matter he hung up on me. He would not give me the name of the company he was calling from. He did tell me on the XXXX that he was collecting on my XXXX account. I had to call and speak to XXXX to find out who they sold the debt to. I then tried to call XXXX at the number XXXX gave me XXXX. I was put on hold after I told them that I thought their collection policies were illegal. They then hung up on me. I have now sent them a cease and desist order and a letter.
Consumer complaint received 2016-08-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: American Financial Resources, Inc. (IN)

I paid {$100.00} extra each month towards the principal on my loan, on XXXX, XXXX, XXXX and XXXX/XXXX/16. There is no prepayment penalty and I am trying to reduce the amount of interest and pay the loan off early. Instead of applying the payments to the principal each month, on XXXX/XXXX/16 the company applied {$350.00} to the XXXX payment and only {$42.00} to the principal. I also had scheduled a payment for XXXX XXXX and again on XXXX/XXXX/16. The company now says I do n't need to make another payment until XXXX/XXXX/16. This will not reduce the amount of the principal, nor will I save on the interest or pay off the mortgage early. I e-mailed the lender twice and spoke to a customer service representative on XXXX/XXXX/16, who told me she would correct the account. She did not do so and I have n't had a response to the emails. I am a co-signer on the loan.