davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (IA)

I received a bill from CMRE Financial Services , Inc. stating I owed {$95.00} for services provided by a radiology company. There was no date of service on the bill so I could not verify it was charged to me appropriately. I had received radiology services on a couple occasions and one was my responsibility and one was not. I sent in a protest to the bill and asked for sufficient detail to determine if the charge was fraudulent. My suspicion was that they were withholding information in the hope that I would just pay the amount simply because it came from a collection agency. In their response to my letter they provided the service date which confirmed it was not my obligation. 

I called CMRE to verify that they did withhold this information in their first communication. Before answering the phone they indicated the call was being recorded. My first question to the representative was if I could get a copy of the phone call recording. He indicated he did not know and did not attempt to find an answer. He hung up on me rather than answer my question definitively. I called back and asked for a supervisor. I explained to the person answering the phone ( XXXX ) that I was upset that the initial contact did not include the date of service, but I wanted to give CMRE a chance to explain why they withheld this information, or point out to me if the information was in fact included and I simply missed it. I reached a supervisor and explained this request. Before answering my question he requested some personal information, even though they identified me via phone number and I confirmed it was correct. Before providing the information, I asked the supervisor if, after providing the information, he would be able to answer my question. He would not respond to this query. The call ended. 

I then called the CMRE compliance hotline on their website. A person answered without identifying themselves. It was a simple " hello '' as if I had reached a personal phone line. I called back and was sent to voice mail and the person answering did not identify their association with the hotline. 

This brings me to your board. I'm concerned CMRE is sending out incomplete information in hopes of bluffing people into paying bills. I think you should require CMRE to include all information necessary for their targets to determine if their bills are accurate. I will contact the radiology company directly and inform them that the bill they gave to CMRE was not my responsibility. I also inform them of CMRE 's deceptive billing practices.
Consumer complaint received 2020-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

Collection/Debt is not mine. {$220.00} is the amount that CREDENCE RESOURCE MANAGEMENT is asking for. 

I called to dispute with CREDENCE RESOURCE MANAGEMENT and they could not find me by my social security number.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to you to express my concern regarding the presence of certain hard inquiries on my credit report. Upon reviewing my credit history, I have identified several inquiries that I believe were not authorized or were conducted without my full understanding. These inquiries are negatively impacting my credit score, and I kindly request your assistance in having them removed from my report. 

Below, I have listed the inquiries in question along with their respective dates : XXXX XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXX ( XX/XX/2022 ) XXXX XXXX ( XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to clarify that I have not initiated any credit applications or authorized these inquiries during the mentioned timeframes. Therefore, I believe these inquiries are inaccurate and unjustly affecting my creditworthiness. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. I am formally disputing these inquiries and request that they be promptly investigated and removed from my credit report. I have enclosed copies of my credit report highlighting the disputed inquiries for your reference. 

I would appreciate your prompt attention to this matter and a thorough investigation into the validity of these inquiries. Please inform me of the steps being taken to address this issue and provide me with updates regarding the progress of my dispute.
Consumer complaint received 2018-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (MI)

Dear CFPB, Thank you for allowing me to submit this complaint. 
Ocwen Loan Servicing LLC recently submitted to XXXX a credit reporting agency that I was XXXX days late on a mortgage with them that has been refinanced through my credit union, XXXX XXXX. 
They were informed of this by my credit union as well as myself during this process, not to mention that I have received a confirmation letter from Ocwen acknowledging their payoff. 
So this is absurd! And it is now on my credit report wrongfully and needs to be removed. 
XXXX XXXX
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (CT)

Despite exceptional credit history and low debt and paying off my mortgage Experian continues to regularly drop my credit score for no financial justification. They keep telling join credit boost Experian has not gotten XXXX XXXX XXXX  enrolled despite my repeated requests. I pay over {$250.00} a year and am not getting fair honest reporting. My score dropped from XXXX exceptional to XXXX very good.the only negative on my entire report was late utility bill 5 years ago. So why did my score drop XX/XX/2020. Thank you.
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

The credit bureaus are not investigating properly. There are several inaccurate accounts on my report that I do not have knowledge of. I contacted the bureau ( s ) and the company Per the bureau 's request and they are still reporting the accounts. I do not have ownership to these accounts and the accounts were never verified correctly as mine.
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (FL)

I HAVE CALLED THE CREDIT AGENCIES AND THE COLLECTION AGENGIES TO HAVE THESE REMOVED THEY ARE NOT MINE AND I EXPLAINED TO THEM IT IS FRAUD. I HAVE HAD MY SS #, MY ID ALL MY BANK STUFF STOLD AND I KNOW MY INFO IS BEING USED. I HAVE ONE THING THAT SHOULD BE ON MY CREDIT AND THATS XXXX XXXX, I HAVE NOT EVEN APLLIED FOR ANYTHING IN OVER 10 YEARS OR GAVE MY SOCIAL TO ANYONE BUT XXXX XXXX, XXXX AND MY HOUSE I RENT. NOW MY CREDIT IS RUINED BECAUSE OF THIS.
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (FL)

there is alot of stuff on there and i have called the companies and advised them there is no way that was me someone used my info i was in prison and then a half way house for 3 years in XXXX, fl
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX, I made a payment by phone of $ XXXXto Santander Bank Sphere credit card. Then, on XX/XX/XXXX I called and spoke to a representative to pay total balance amount due. The representative gave me the figure of {$4900.00}. I had the balance debited from my checking account and felt assured that the credit card was paid in full. 

When checking statements on line with assistance from my son, we discovered that my account had been charged a {$35.00} late fee ( refunded after spending dozens of hours ( 27 hours ) on the  phone trying to get help ). We were transferred more than dozens of times and while being transferred were disconnected many times. We asked representatives to take my cell phone number so the rep could call us back if we were disconnected again, the call quality was horrible on most of the calls. We couldn't hear them or they us. We were told that the rep could not able to call us back, some wouldn't transfer a call to management. We had conversations that were not transmitting clearly and asked for a return call which was also refused. On XX/XX/XXXX, the day after I paid the balance on the phone, there was a fees and interest charge on my on line statement of {$86.00}. 

After having to call to the HQ location in XXXX, Since the toll-free number was unavailable for the most part. And as mentioned, if we could get through to the number it was a terrible connection and no one could help you. Even after speaking to headquarters in XXXX, those calls were transferred back to the call center and more of the same occurred. Then decided, to call branches in XXXX XXXX. After speaking to a branch on XXXX XXXX in XXXX escalated the concern and ask for help. The representative who we spoke to was new at the branch and didn't have a branch manager available. After some time she was able to locate a branch manager and other branches. Those two branch managers on XXXX XXXX in XXXX and a location in XXXX XXXX reached out to their executive leadership to ask for help. At the same time finally someone from the call center returned a phone call to my son 's phone. After more than 30 hours of phone calls we finally had a refund to the egregious fees placed on the account for no reason. There was no reason for most of this to occur. Santander 's customer service is lackluster at best. We understand that changes happened during the crisis were under and that some of their staff couldn't work from their office location and working from home for the first time. However, Santander should have been ready for this eventuality and was not. We paid the price for their incompetence.
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Professional Adjustment Corp. of S.W. FL., Inc. (FL)

there is alot of stuff on there and i have called the companies and advised them there is no way that was me someone used my info i was in prison and then a half way house for 3 years in XXXX, fl
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received messages from capital one that my card has stopped receiving payments. I do not have the card in my possession or pay the bill, it is in my name and the person who has received it named XXXX XXXX apparently stopped doing this. she uses the card as a tool of abuse as does her family who are targeting me as law enforcement informants in the CA DOJ, FBI. She apparently relocated from XXXX to the XXXX area but I dont have the address. When I received these emails from Capital One I could not log into my account. The issue is I need to establish that due to severe hardship I can not currently pay the capital one bill, There are only revolving accounts linked to this card, it is a very sick disturbing situation in which XXXX is aware i can't leave living situation I am in. I need to request that capital one put a stop payment and extended grace period - however, I am not able to log into my account. Furthermore, I have no phone in which to call. I need to be able to use email to establish what my options are and for them to immediately pursue any option I can. I am not only without work, but I am not able to leave my home environment - it is something XXXX and her family conspired and have taken advantage of. I do not have the card in my possession, according to the email it ends in XXXX. Furthermore I do not know the billing address. As stated it is a very unusual situation of abuse, so I am not able to deal with this problem without capital one emailing me.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$590.00}
Consumer complaint received 2019-06-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

Navient, 2 consolidated loans ( previous Sallie Mae ) -one grouping from Unsubsidized and one from Subsidized Federal loans including HEAL, Staffords and SLS. 

Two issues : First : After last payment made on my behalf by the XXXX XXXX XXXX XXXX inXX/XX/XXXX I received information stating I did not have any payments due until XX/XX/XXXX Not because I asked for a deferment or a forbearance. I did not understand interest was going to be accruing all the while, nor did they say I could CONTINUE to make the payments I had been making for years already. I was misled and not informed by Navient. 

Second : When I started to repay inXX/XX/XXXX up until currently, ALL of my payments have been applied to that interest that accrued from XX/XX/XXXX! So even now, all I pay is interest, for 2 consolidated loans through Navient ( former Servicer Sallie Mae ). 

I have paid my student loan payments EVERY MONTH. Never late. Never in default. Yet, I have paid over {$24000.00} since XX/XX/XXXX for 2 consolidated loans ALL OF WHICH HAS ONLY BEEN APPLIED TO INTEREST!!!! Now, this seems like a scam if ever I heard of one. I never asked to be on an interest only repayment plan, nor did I request a Forbearance or Deferment. There is nothing on Navient website that states I am in anything other than a standard level repayment plan, and prior to that payments I was making were going to both interest AND principle. 

I am contacting both the Department of Education as well as the Consumer Financial Protection Bureau because Navient willfully misled me, did not provide accurate information warning me about what they were doing, and refuse to assist me in any way. Furthermore, the intentional subterfuge being employed by Navient in making this information readily available ( ie a discount for " auto-pay '' so there is no need to LOOK at a monthly statement and statements that do not provide detail as to HOW payments are being applied ), a website that does not provide any type of information regarding amortization over the lifetime of the loan, and nothing in my " Loan Details '' that would tell me I was simply paying interest for the past 3 years strikes me as criminal. It is quite by accident that I even came upon this fact on my own while looking for ways to lower my interest rate. 

Please contact me immediately. Navient should be ashamed of taking advantage of busy professionals who have remained productive in the public sector while striving to stay current with their financial responsibilities.
Consumer complaint received 2020-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1.  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2019-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MN)

Dear Citi bank I have been disputing incorrect information on my credit report for about 6 months now with the reporting agencies and they keep saying that you are reporting this information is reporting correct. I have sent them factual proof that these accounts are not reporting correctly as I have did once again see File citi account XXXX XXXX  is showing a 60 day late for XX/XX/2019 then on XX/XX/2019 another 60 day late! How is this Possible? XXXX  is showing all Ok up until XX/XX/19 they are showing XXXX which is a unknown this is a violation of the FCRA and must be deleted. ASAP this is incorrect information reporting and this account needs to be deleted ASAP I lost my job due to the fact that I work around money but when companies like you report this type information and keep saying oh it's reporting correctly and it's not is a crying shame the way you treat people but think about it what if the tables were turn and this was you how would you feel Just think about it? Please delete this account From all of the reporting companies ASAP
Consumer complaint received 2016-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (FL)

I had ordered satellite service from XXXX. I took off work to be home when they made the connection. They did not show up. I notified them that I no longer wanted their service, Four days later while I was at work, they showed up to make the installation. I had a house guest present who knew nothing about the situation. She was tricked into signing for what she thought was certification that the installation was made. I never did sign anything, and my houseguest certainly can not sigh for me. I went through the whole difficult process of returning the equipment, which they denied receiving, until I produced the XXXX delivery receipt. They turned this in to XXXX who removed it from my credit, after I informed them of the situation. They now have used another collection agency, who turned it into XXXX, where it is on my credit again. This after I notified them with all this info. I believe that they have violated the law in this instance. This company is corrupt, and they attempt to keep customers trapped in a contract for inferior service with these despicable tactics.
Consumer complaint received 2020-05-01
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. (CA)

I am in receipt of a current credit report of which questionably suggests that I now or in past have owed you something, yet there is nothing that substantiates your reporting or claim thereof so I demand that you dismiss all claims and eradicate any injurious reporting ( s ) versus me, particularly if currently reported item ( s ) are potentially deficient of the mandatory document evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility else wise of the reporting, and or the complete and perfect certified XXXX XXXX format reporting standard ( s ). I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer much less me! Particularly removed is your right to act in dereliction as you hold me under threat of financial and or creditworthiness injury ( ies ). I here now DEMAND that if you are unwilling or unable to do as requested, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint that you immediately and forevermore thereafter cease any and all derogatory and or injurious actions versus me, to include but not limited to the foul actions to report and or collect unverified, untrue, invalid, or else wise not certifiably compliant claim ( s ) and or debt ( s ). Let it be in clarity that I am well aware of the FACT that absent legal authority or a written agreement between us that you can not force me to conduct any business interaction ( s ) with you and I will NOT! Certainly if you elect still to injure me, even to the slightest, it undoubtedly would be a show of merciless harassment or even willful extortion, a CRIMINAL OFFENSE in my state of residence! Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as alleged on my current consumer credit profile history by eradication and or removal from reporting the delinquently reported item ( s )