davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-09
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)

PLEASE BE ADVISED THAT I AM A VICTIM OF ID THEFT. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING FRAUDULENT INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO IDEA KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY THEFT.XXXX
Consumer complaint received 2018-01-06
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: Experian Information Solutions Inc. (CA)

XXXX XXXX Bank is reporting account that I do n't recognize. Acount number that they are reporting is XXXX. I have sent letters to XXXX, Experian and XXXX asking them to delete this account from my report becouse it is serious violation of section 609 of the Fair Reporting Act. None of the bureau did not delete this item and it is seriously hurting my Credit!
Consumer complaint received 2018-06-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

i bought a third car / XXXX XXXX XXXX XXXX and various parties ruined my freedom with incriminating fact a conspiracy they hit my car wrecked it robbed businesses XXXX XXXX ruined my car all because XXXX was created by XXXX harassment news coverage for XXXX XXXX XXXX XXXX XXXX hired XXXX XXXX XXXX addicts to wreck my car block my Drivers license XXXX XXXX is blocked please investigate XXXX XXXX XXXX   ruined my job ability XXXX XXXX are placed to cheer up city works XXXX XXXX was sent by XXXX priest to block all jobs XXXX XXXX arrived from XXXX and XXXX where XXXX are used to defame parties most XXXX laugh in my face I went Bankruptcy Ch XXXX please read no lawyer will listen how I am jobless XXXX XXXX B XXXX / all camera are given to keep me jobless /
Consumer complaint received 2018-01-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CNG FINANCIAL CORPORATION (IL)

Opened a XXXX XXXX XXXX account in XXXX which was later closed and subsequently included in a now XXXX discharged Bankruptcy. Yet, the hired debt collector, XXXX XXXX XXXX, continues to inaccurately report this account as opened to credit bureaus. While there is {$0.00} liability, the unclosed debt record is negatively effecting my overall credit. I have submitted more than a dozen combined disputes to the 3 credit reporting agencies and I have contacted XXXX XXXX XXXX directly and with no response or updates to my credit reports. I have exhausted all options and I am reaching out in hopes this can be rectified and that XXXX XXXX XXXX will be penalized for inaccurately reporting my account. 

XXXX - XXXX Online Dispute XXXX - XXXX Online Dispute XXXX - XXXX Online Dispute XXXX - XXXXXXXX XXXX XXXX XXXX Online Dispute XXXX - XXXX Online Dispute XXXX - XXXX Online Dispute XXXX - XXXX XXXX XXXX XXXX Online Dispute XXXX - XXXX Phone Dispute XXXX - Letter to XXXX XXXX XXXX XXXX - Email to XXXX XXXX XXXX
Consumer complaint received 2022-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (OH)

I have a federal student loan that is eligible for the student loan cancellation. I am eligible for {$20000.00} in forgiveness. I made a total of a little over {$8600.00} in payments during the payment pause for Co-vid to take advantage of no interest to try and pay down my loan. I called Nelnet on XX/XX/2022 to request a refund for the payments I made during the payment pause from XXXX XXXX on. They told me I would receive the refund in about 4-6 weeks and I would get an email with the status of my request in the following week. I never received that email. I hadn't heard anything at 5 weeks so I called them and they said it would be 6-8 weeks to get a refund. I am now at the 6 week mark and in order for me to get my refund at 8 weeks I would have to have my loan balance reinstated on the website by now which I have not. Also I see people that have called Nelnet after I did already getting their refunds while I still am waiting to get my balance reinstated. I am worried I will not receive my refund that I am entitled to in time for the debt cancellation. Then I will have to start repaying my loan in XXXX.
Consumer complaint received 2019-11-08
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'm relocating to XXXX and looking to purchasing a condo. I checked my credit score just to see whats was on my report because I haven't checked it in a minute. While checking my report I saw an account that is not mine. Since then I had a fraud report completed by the police and I got an identity theft report completed by Federal Trade Commission This is the item on my credit that is not mine : XXXX XXXX Please remove remove this from my credit
Consumer complaint received 2018-01-08
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: United Revenue Corporation (TX)

This item was removed for XXXX and XXXX but XXXX will not delete this incorrect collection from my report UNITED REVENUE CORP XXXX XXXX XXXX XXXX XXXX XXXX, 2013 {$940.00} {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2017-12-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (OH)

The credit Bureaus is displaying false information regarding a debt that 's place on my accounts. The debt under XXXX XXXX is listed on all my credit reports for {$180.00}. The company sent a letter with the amount of {$110.00}. This is false reporting. I do not have an account in the amount of {$180.00} this account does not belong to me. I need proof of this account or it needs to be removed from my report with updated information.
Consumer complaint received 2017-12-01
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. (CA)

I applied for a XXXX XXXX credit card and I was denied with a credit score of about 400/850. I requested a credit report from and it shows 2 accounts ( XXXX XXXX XXXX $ 5000+ ) XXXX XXXX ( $ 400+ ) that are ( Responsibility : Individual ) and are both late 90+ days, along with this they are over balance. I DO NOT have accounts with XXXX XXXX or XXXX XXXX XXXX XXXX, and will contact my local Police station tomorrow to file a report of fraud/identity theft. 


XXXX XXXX
Consumer complaint received 2017-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have 4 inquiries that i tried to dispute over the phone with transunion and they do not want to help me disputing then I have called several times and told them i was a victim of identity fraud and to dispute my inquiries but they keep telling me no
Consumer complaint received 2020-09-05
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RMS-Recovery Management Services, Inc. (FL)

On XX/XX/XXXX, I sent a certified Dispute letter to RMS RECOVERY MANAGEMENT. It has been more than 30 days and I have yet to get a response from this collection company. I was under the impression that collection agencies had to respond within a certain amount of time or the debt would have to be removed.
Consumer complaint received 2020-05-05
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

CPFB, I am currently an XXXX XXXX member since 2014. Upon reviewing my finance documents both XXXX and XXXX knew I was in the military and never disclosed to me my rights under the military truth in lending and also the service member civil relief act. 
-I didnt get a buyers guide -The car was in an accident and XXXX knew -My rights were violated and grounds for the contract to be terminated and the person that has been reviewing my case fired due to being bias and unfair. 
-As a military member I am protected under the MTLA AND SCRA. This loan is covered under the MTLA due to the gap insurance. 
I have submitted multiple complaints and they are getting away with it.
Consumer complaint received 2016-11-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (LA)

My vehicle was declared a total loss in the XXXX XXXX, LA floods. My insurance made a short insurance payment for XX/XX/2016 ; there was still a remaining balance of roughly XXXX to be covered by gap insurance. I reversed my automatic withdrawal car loan payment for XX/XX/XXXX because I thought the insurance payment of XXXX would cover it. Now Chase bank has reported that I am behind on my car payments and this is unfair. Please help me. I 've never missed a payment on any of my loans.
Consumer complaint received 2017-12-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (UT)

My mortgage company has made it nearly impossible to get an appraisal and remove my PMI. This summer my house value went up and I wanted it removed. Since then they have repeatedly ignored me until I called and questioned where they were in the process. They once even changed one of my pending payments and almost made me miss a payment. I want a reimbursement for the amount I have paid since my first contact with them about the issue. 

Details : XX/XX/XXXX Sent an email asking to know what would be needed to remove PMI. I was given a ticket number and told to allow 5 business days to respond. THEY NEVER GOT BACK TO ME. 

XX/XX/XXXX I called Loancare asking what happened to my ticket. They told me something happened and it was never noticed. They reopened the ticket. I knew that I needed an appraisal to remove my PMI, but I was told that they needed to try to remove it using the original home value to balance, after which if I needed an appraisal they would send me a letter. I told them that was stupid and to just order the appraisal, but was told legally they could n't without the process. I sent an email so they had written approval, that as soon as they tried to remove the PMI using my original home value and failed I wanted the appraisal ordered. 

XX/XX/XXXX Loancare sent the same letter twice, IGNORING what I had requested. The letter told me that based on my original home value I could not remove PMI. At that point, I would need to send a check in the mail for {$420.00}. Once that was received they could then order an appraisal. No other way of payment was offered. 

XX/XX/XXXX I called and asked if I could pay for the appraisal online since I did n't trust them to get a check in the mail. INSTEAD of charging me, THEY CHANGED MY HOUSE PAYMENT from XX/XX/XXXX to the cost of the appraisal. IF I HAD NOT NOTICED AND MADE A NEW PAYMENT I WOULD HAVE MISSED A PAYMENT! 

XX/XX/XXXX I called and was told that the appraisal was paid for but never ordered. They ordered it that day. The appraiser came on XX/XX/XXXX. I was told that someone would call me about reimbursing me from the date I had contacted them about this but never received a call. 

XX/XX/XXXX The website updated to show the new home value, but the PMI page is not updated and still had n't on XX/XX/XXXX to show the new ratio, or have it removed.
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I applied for a XXXX XXXX credit card and I was denied with a credit score of about 400/850. I requested a credit report from and it shows 2 accounts ( XXXX XXXX XXXX $ 5000+ ) Capital One ( $ 400+ ) that are ( Responsibility : Individual ) and are both late 90+ days, along with this they are over balance. I DO NOT have accounts with XXXX XXXX or XXXX XXXX XXXX XXXX, and will contact my local Police station tomorrow to file a report of fraud/identity theft. 


XXXX XXXX
Consumer complaint received 2024-01-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

accounts are not mine. no knowledge of it, no legal obligation 4 it and no information as 2 its origin. There is no police report or fraud affidavit possible. please check not untimely incmplete inaccurate. check attached
Consumer complaint received 2018-06-05
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: CORELOGIC INC (MI)

XXXX XXXX XXXXXXXX ran my credit without my permission back on XX/XX/XXXX, and they used Corelogic Credco to do it. I reported XXXX XXXXXXXX XXXX to the CFPB on multiple occasions in XX/XX/XXXX/XX/XX/XXXX, and  they said they would have Corelogic Credco remove the hard inquiries. Corelogic Credco was supposed to have the hard inquiries removed from my report all the way back in XX/XX/XXXXof this year, but they haven't. XXXX still has the hard inquiry from them. I contacted Corelogic Credco on XX/XX/XXXX, and they said I needed to submit a written request to them to give to XXXX  to remove the hard inquiry. I sent it via email ( Corelogic Credco said it was acceptable ), but over a month later, the hard inquiry from XXXX  is still on my report, and I've been dealing with the whole situation for over half a year. Attached is the email I sent in XX/XX/XXXX
Consumer complaint received 2017-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XXXX XXXX, 2017 I made a deposit of {$1200.00} with a check from the XXXX XXXX XXXX to my Bank of America checking account. But the funds would not be available until XXXX XXXX, 2017, this withholding of my money by " rules '' the Bank of America, this is generating damages and losses, First I was NOT informed that a deposit with a check from another bank would take 10 days to be available, and Second I will not pay my obligations on time, I will have to pay an extra charge of 10 % for late payment to the apartment complex. However XXXX XXXX XXXX already paid the amount of the check to the Bank of America dated XX/XX/2017. 
Who will pay for this damage caused by the Bank of America? 
Please stop this type of abuse that the bank of America does with the clients every day, this practice of retaining your money for a long time generates profits for the bank and damages for the clients, total abuse of the rights of the consumer. 
Thanks for your attention. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

We are working on a short sale of the home. SPS has told us numerous times by telephone and in writing that they would have a response to us on or before XXXX XXXX, XXXX. To date, they have not responded, and sent a later letter that they claim was dated XXXX XXXX, XXXX, giving them an additional fifteen ( 15 ) " business days '' to respond, however, nobody has received that letter - though SPS sends several collection letters to the borrower 's house each day.
Consumer complaint received 2019-03-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

my complaint is that the company has not allowed me to resolve my problem they continue to file foreclosure notices driving what I owe up in fees. I am upside down with Facts : I am requesting the bank hold off until all the processes of modification request and other options are completed. 
I now have a steady income and can afford to keep my home. I am working with loan servicer Ocwen. 
They service the loan for XXXX XXXX. I have had to deal with people who sound like they are located outside the country. 
I do get a response and the representative is very polite ; but offers little or no help except repeating a script. I have called all the resources they offered, and the lines are not available any more. The present state of my loan is that I presented a modification request and a forbearance for a year. I can not afford a lawyer and am representing myself. Please take my complaint. 
FACTS : The bank has not afforded me any relive.Facts : 1 ) I build the home in 1982 on a lot that my father bought, a military veteran of XXXX XXXX XXXX. His name is on the original purchase of the lot where I built my home. 
2 ) I have lived in the home as the primary and only residence for 37 years since 1982. I have paid taxes on the property and have filed it as my homestead. 
3 ) The original paper work for the refinancing of my home was with XXXX XXXX, they sold my note to XXXX XXXX. The XXXX XXXX has denied my repeated requests for the modification of the mortgage loan ; to the point that I had to file bankruptcy. 
4 ) I was dismissed from the chapter XXXX after losing my job that creating a hardship to keep up the double payments. I have asked for XXXX XXXX for a forbearance and I informed by XXXX XXXX  I did not make enough money. I only owe XXXX in actual loan. The various fees drove up the owing amount to XXXX. 
5 ) I have filed for a loan modification for the 4th time and hope that the process will help me keep my home. 
6 ) The home is old and takes a lot of upkeep available my cash goes to maintenance and repairs, I keep the home because my dad bought me the lot. At present I have a XXXX son and XXXX XXXX XXXX children living with me. If XXXX XXXX goes through with foreclosure ; XXXX people will be homeless. I can not afford to keep payments for residence for my son and children.
Consumer complaint received 2018-03-23
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (MI)

I just checked my credit score and there is 2 hard inquirys that Im not familiar with at all. I never applied for XXXX or OneMain. Please Im only XXXX so Im trying to help my score, but these hard inquiries are incorrect.
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

For almost a year, Transunion has been unable to resolve a system error that has left my credit report permanently frozen. While I requested the initial freeze, Transunion will not lift it no matter how many requests I make. I have contacted Transunion on numerous occasions to life the freeze and the system error is never resolved. I can not lift the freeze via their website ( I have tried to lift it permanently and temporarily ) and I have called several times and been left on hold or transferred each time for up to an hour per call without the issue being resolved. I can not apply for new lines of credit as a result and this is holding up an application to refinance my home loan. Transunion has made absolutely no effort to reconcile this problem.
Consumer complaint received 2020-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: F.H. Cann & Associates, Inc. (TX)

I have been audited by the IRS a few years ago and they confirmed that I had paid off all my student loans with the Department of Education in which they sent me my remaining federal income tax check after paying off remainder federal balances. I have also already applied again for another student loan and was approved, which if I did still have an outstanding balance I would have been denied. A year later I received a letter from a collections agency stating that I owe {$5700.00} for an outstanding federal student loan.
Consumer complaint received 2017-12-01
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. (FL)

I received a copy of my credit report and I have noticed that XXXX XXXX XXXX, and XXXX XXXX XXXX/XXXX is still reporting on my credit report. XXXX has deleted these accounts It is your responsibility to report accurate information on my credit report. Therefore, I am requesting that you delete the following accounts immediately. These items must be removed from my account to show my true and accurate credit history! In pursuant to the Fair credit reporting act. I expect you to delete these account within the next 30 days, or I will submit this to my local attorneys general office and the FTC! I have attached proof of deletions.
Consumer complaint received 2017-12-01
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 has on my credit file as {$770.00} written off and there was no money written off on this account. 

I have provided from XXXX XXXX proof there is nor any money owed or written off. 

I have mailed document from XXXX XXXX showing there is no written off nor any money owed on this account. 
I need from Experian something showing there is or was balance owed as I have provided a letter showing there is no balance owed on this account.