davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (TX)

I have paid XXXX XXXX XXXX in full. Credit Management is still collecting on a debt that they know I have paid in full directly to XXXX XXXX. I called Credit Management to inform them that this account was paid in full ; however, is still reporting on my credit negatively. I am not sure how they are able to collect on a debt that has been paid in full to the original merchant XXXX XXXX XXXX XXXX. 

When I made the payment with XXXX XXXX, I was told that since I was paying my debt in full that it would be deleted from my credit report, as I do not owe anything else.
Consumer complaint received 2017-10-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (FL)

Nelnet takes advantage of young, ignorant students who are unaware of the details of their student loans. Nelnet has illegally cheated many struggling borrowers, including myself, out of our rights to lower payments. Despite my qualification for the income-driven repayment plan XXXX IDR ), Nelnet knowingly steered me towards forbearance. They chose to do this instead of counsel me about more affordable repayment plans because this would result in me overpaying for my student loans. Additionally, over the years, payments were processed incorrectly, and Nelnet failed to act or correct the situation despite complaints. A class action lawsuit is pending, and I need to negotiate a settlement with Nelnet on these student loans.
Consumer complaint received 2020-10-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I sent a check for the full payment Of approximately {$17000.00} on the loan by priority mail. I provided the delivery confirmation to the lender Indicating the check was delivered to them on XXXX XXXX. The lender claims they do not have the check and they require me to wait 7-10 days for the mail to arrive. The check was sent priority and arrived on XXXX XXXX. As of XXXX XXXX they continue to claim they do not have the check. This is not acceptable. They dont even read the question when you send them inquiries. They just respond with prepackaged responses.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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 U.S.C 1681 FAIR COLLECTIONS & O. Equifax Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reaD. 
They never verify. I did send them letters they didnt respond.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

Dear Legal Team, The collection previously deleted by XXXX XXXX XXXX has been illegally reinserted using false, deceptive and misleading practices. 

XXXX XXXX XXXX commits false, misleading and unfair practices illegally reinserting a previously deleted collection with the same original creditor by arbitrarily reporting a false balance and account number : XXXX XXXX XXXX XXXX  ; Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$2100.00} vs. the newly inserted XXXX XXXX XXXX XXXX : Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$610.00}. 

PLEASE REMOVE IMMEDATELY.
Consumer complaint received 2020-04-18
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 — Problem with personal statement of dispute
Company: CAVALRY INVESTMENTS, LLC (NJ)

I have contested these 2 collection files from Cavalry LLC :  XXXX XXXX On neither of these files is Cavalry able to supply me with documentation that I authorized the charges. I have contested the bill with the companies XXXX XXXX which charged me tuition for a course I did not attend ; and the XXXX charge represents an incorrect appliance order.There is no written documentation with my signature showing that I authorized either of these bills.
Consumer complaint received 2017-06-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Credit Control (CA)

This is a claim from an unknown source for services performed in  XXXX ,  2015  at  XXXX   XXXX   XXXX   XXXX .   Account :  XXXX  Amount for services {$2800.00}
Consumer complaint received 2017-10-18
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. (TX)

I was searching for a home loan and they added all of them lowing my score to were I dont get the loan now they are to combined home loan inquiries if between a XXXX time and they didnt and refused to fix it because they told me they are a privately owned company and the government cant do nothing about it so I tried to dispute them because some of the hard inquires the companies said they do nothing by there policy I have to contact the credit reporting agency to dispute so now the credit reporting agency said they will do nothing and now I ma blocked from writing calling and online disputing or any information and I have proof of everything. And some inquirers when you call them there number is disconnected then I called the credit reporting agency and they said they dont care. 
I cant attach any information because its all online and when you try to print it the credit reporting agency 's web page errors out
Consumer complaint received 2017-07-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CA)

New Penn agreed to fund our loan on XX/XX/XXXX and they were told immediately we had a non-occupant co -borrower. We provided all required asset and income information and we met every condition. The appraisal was ordered by New Penn and the house met the appraisal amount required. New Penn called me to confirm information and congratulated me on the home loan. New Penn told my broker to expect documents to sign on X/XX/17. Today X/XX/17, we were told they would not fund the loan because of the non-occupant co borrower ( which they knew about in XX/XX/XXXX ).
Consumer complaint received 2021-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (TX)

Numerous attempts have been made to get this error corrected. I entered mortgage forbearance XX/XX/XXXX and was approved and continued through XX/XX/XXXX. In XX/XX/XXXX I called to discuss options upon the completion of my forbearance XXXX XXXX. While discussing options with the rep, I decided to go with the deferment of all payments, including escrow, through XX/XX/XXXX to begin repayment on XX/XX/XXXX. I then received notice that my repayment would begin XX/XX/XXXX - an error had been created on the mortgage company side - this was confirmed when another rep listened to the previous phone call. Due to their error, they are denying XXXX XXXX  to be included as originally agreed. I never agreed to begin payment in XXXX XXXX Again, this was confirmed with a check of the phone call from XXXX. I have attached the approval for the forbearance through XX/XX/XXXX and the denial to include it after requesting the error be corrected. I have also included the statement where the payment was to begin XX/XX/XXXX. I have continually requested an override of their error to no avail. I have been promised return phone calls and they have not been received. I need their error to be corrected so that I can make my XX/XX/XXXX payment. If I make my payment now, it will be applied to XXXX XXXX XXXX They have also charged me late charges and continue to call me for the XX/XX/XXXX payment - violating the Cares Act and my approved forbearance. I agreed to make payments beginning XXXX XXXX XXXX  and not before. I demand they correct their error and correct my account to begin payments XX/XX/XXXX as agreed.
Consumer complaint received 2021-09-06
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. (PA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2017-10-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and the clients right to counsel.
Consumer complaint received 2021-09-06
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: EQUIFAX, INC. (TX)

The credit bureau Equifax is not complying with their own policies in a timely manner. I submitted a dispute via mail over 30 days ago on XX/XX/2021 as well as a follow up letter on XX/XX/2021 to remove negative and inaccurate items on my credit report and i still have not received a response.
Consumer complaint received 2017-10-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (GA)

XXXX XXXX XXXX of XXXX XXXX XXXX repeatedly calls multiple times a day. This is over an alleged debt from XX/XX/XXXX in which I do not recall having this credit card at all. Firstly, I do not believe this to be a debt I owe. Secondly, it would be way past the statute of limitations to collect anyway. I have conveyed these points to XXXX XXXX, to which he has talked over me and insisted that I explain to him my personal activities over the past 10 years and that I need to pay him today. The most recent phone call to which this conversation was had was today, XX/XX/XXXX. Please find below a list of dates and times he has called as of late and that is just what we can prove for this week. We anticipate there will be more. 

XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX
Consumer complaint received 2022-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

Concerning Chase Bank and a fraud dispute with XXXX. On XX/XX/2021 I received an email from XXXX saying my order was on the way. I immediately contacted them via email as it was XXXX at night and told them I didn't order anything, it was fraud. See screen shot of email I sent and reply. The following morning I called both XXXX and Chase, cancelled my cc and received a new one in time, filed a fraud ticket. I was told by XXXX not to worry, if I did receive the items to keep or donate them as that was their policy. I donated them. The amount of XXXX was removed from my cc on XXXX and then put back on the same day. It is still on my bill. I received a letter from Chase saying they determined it a valid transaction. I have called both companies many times, XXXX claims that because of the banks determination they can not deposit it back into my account on their end even though they admit it was fraud. I have reopened fraud investigation with the bank 4 times now with the same result each time, a letter weeks later saying it's a valid transaction. On XX/XX/XXXX I called Chase, was transferred to 11 different departments including fraud twice, ended up at Recovery and was able to have a conference call with both Chase, XXXX, and myself. Once again XXXX said directly to the bank representative that this was fraud, but because the bank determined it to be a valid transaction they were unable to deposit the money back into my account as that was their policy. I was told they would send me a check in the amount of XXXX. The bank representative promised me that he would notify fraud, and I wouldn't be charged extra fees on the amount. I never received the check and called XXXX again only to be told that they could not send the check either due to the banks determination that this was a valid transaction. In the meantime I received another letter from Chase saying this was a valid transaction. I have been told by XXXX that I need to contact the bank, the problem is I've done this many times with the same result each time, despite the conference call which I'm sure is recorded. I need your help with this as each time I get a different person, different answer, and no results. I have filed with the XXXX  re XXXX and have included the email from XXXX re : the bank. I believe that Chase needs to reverse their decision that it was NOT a valid transaction especially as they have been told by XXXX that is was fraud. I have selected the most recent communication with Chase and XXXX, I have previously sent many screen shots to Chase 's fraud dept.
Consumer complaint received 2021-09-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

CREDITACPTXXXX-Balance : {$5600.00} - Date Opened : XX/XX/2019
Consumer complaint received 2020-10-07
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. (TN)

I started an initial dispute on XX/XX/2019 regarding errors on my credit file. I requested that the items be deleted. I also submitted a Federal Trade Commission Identiy Theft report as well as a Police report regarding accounts obtained because of Identity Theft. Experian as yet to comply with section 605 of the Fair Credit Reporting Act. Please make sure they adhere.
Consumer complaint received 2024-02-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is so annoying & frustrating. Ive sent TRANSUNION multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnions responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

On the Chase Website they advertise a no risk/zero liability ATM card. The website also claims they have sophisticated software in place that will alert you to any possible fraudulent charges. My card was charged {$3400.00} over a four month period as shown below. 
Month Day Amount Gas Station XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The company will not credit any charges over 60 day as it claims that is stated in an agreement I was sent but I never saw. It does not state this policy on their web site. In addition to the false advertising I am concerned the Chase Fraud Department may be complicit in the fraud as my alert on my card is set for charges over {$100.00} and somehow the criminals knew only to charge up to {$100.00}. When I spoke with the Fraud department and asked why they did not catch this egregious violation ( who gets {$100.00} worth of gas every few days plus there is a well know scam with card readers at gas stations. These transactions should have been flagged by their fraud department before we ever got near 60 days. ) I was told they do n't flag gas station transactions like they do transactions that occur 100 miles from home.

I was 100 miles from home visiting family in New Jersey in XXXX where I used my card. At the same time fraudulent charges were being made at gas stations in Florida. Then again in XXXX I was two places at once. According to their own Fraud Department this should have raised a flag. If it had it would have fallen within the 60 days and I would have been protected. 
What is the purpose of a Fraud Department if not to protect the consume from fraud? Between the malpractice of the Fraud Department not picking up multiple {$100.00} gas station transactions days apart and sometimes on the same day and their not asking, " How can the same person be using the card in NJ and FL over the same time period? '' Plus the false advertising I decided this needed to be reported.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I contacted TransUnion the week of XX/XX/XXXX to inquire why they deleted two of my positive reporting tradelines, XXXX XXXX and XXXX XXXX both have a {$5000.00} credit limit available each. The representative I talked to told me that they were on my credit report. However, after seeing my report and personally reaching out to both creditors, XXXX XXXX and XXXX XXXX, they confirmed and are working with TransUnion to place the tradelines back on to the credit report and surprised to find out that they deleted both tradelines. 

This is effecting my credit worthiness and my FICO score. 

In addition to that, I noticed that TransUnion added missed payments to my XXXX account today, XX/XX/XXXX, that is paid and closed. Please remove what you added today since the account is closed and the missed payments are effecting my FICO score. 

TransUnion continues to add and delete remarks to the XXXX XXXX account which should be removed since the information is inaccurate. This account was fraudulently opened and I have sent several letters and correspondence to the credit bureau. 

Last but not least, I reported to TransUnion XX/XX/XXXX that I surrendered the XXXX with XXXX XXXX XXXX and that the reporting balance was inaccurate. Instead of TransUnion changing the status of the account they reported it as charge off and added a missed payment. I contacted the creditor with a notarized certified letter and still no cooperation from the company. The inaccurate, unverified information is effecting my credit worthiness and requesting to be removed and/or deleted.