davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IA)

I've mailed documents, Diver license, utility bill, show proof of address literally everything Equifax asked me. Even provided my DOB and email. I've been having this issue with Equifax since XXXX Today XXXX, XXXX XXXX ; I just got off the phone with XXXX, a agent from the dispute department ( on a recorded call ) and after spending roughly XXXX minutes answering all his verification to make sure I am who I say I am, for some reason an agent from the dispute department could not see any record of me sending them my documents. I kept records on my end to insure that what I'm claiming can be fact check and backed up. I am a litigious consumer and I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand Equifax to comply to the FCRA and honor my requests.
Consumer complaint received 2022-09-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANKERS HEALTHCARE GROUP LLC (FL)

Since XX/XX/2021, I have been receiving an abundance of solicitations for personal loans via mail from BHG XXXX. I have requested to be removed from their mailing list multiple times ( via phone, email & postal mail ) to no avail. I have resorted to sending back all postal solicitations via mail, that has not helped. Im requesting assistance in having my contact information removed from the mailing list at BHG XXXX. The last correspondence I received has the following invite code : XXXX
Consumer complaint received 2016-10-13
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (AL)

I had words with Sams Club and they gave me my money back for the membership card. Months later I received in the mail a membership/ credit card in the mail. Never used it or went to Sams. Two months ago I received a bill for {$330.00} made in California. I called them and told them this was a mistake. I wrote to them and told them it was a mistake. Now they are calling me on the phone wanting money.
Consumer complaint received 2021-06-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (CA)

GM FINANCIAL did not properly report my vehicle loan account to the credit reporting agencies. The last reporting date was XX/XX/XXXX. I have made payments all the way until XX/XX/XXXX when I paid the loan off in full. 

I contacted GM financial, but they can not tell me why my account hasnt been properly reported. 

As to date, my GM financial account is still showing open and active even though it has been paid in full
Consumer complaint received 2017-03-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (OR)

The loan servicer, Shellpoint has been charging me late fees each month for several years when payments are made each month before the grace period. I have contacted them numerous times to resolve this. It has never been resolved. I 'm now reaching out to the CFPB for help.
Consumer complaint received 2017-05-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (WA)

On  XXXX   XXXX ,  2017  - I received notice from  XXXX  that  my IBR re newal had been processed ( based on the IRS online tool I use every year ) and that I owed {$0.00} a month, despite my income increasing by 30 %. I called them and apparently the IRS had reported my taxable income as  XXXX . They forwarded me paperwork immediately and I faxed it to them on  XXXX   XXXX . It was processed on  XXXX   XXXX , correctly, e xactly two  weeks later. My experience with them was simple and excellent.     I also faxed my informatio n to Navient t hat same day,  XXXX   XXXX ,  2017 , as I assumed the same thing happened with them. I called them and they confirmed that they had recieved my paperwork and were processing it. On  XXXX   XXXX     2017  I recieved a notice that my new payments for the year were again  XXXX . I contacted them via chat and they claimed they never received my faxed paperwork, but if I uploaded it today it would be processed wit hin 5-10 minutes. I called 20 minutes after uploading my information and they claimed they had received it, but that it would take more than 2 weeks to   process.     I am deeply concerned that this will affect my Forgiveness program or set me up for legal action later taking the blame for a mistake th  at Navient made. Given the recent lawsuit, this sounds pretty typical on their behalf. I 'm also concerned that this has happened to other borrowers who submitted their paperwork and simply relieved at the lower payments, and never thought to check further, putting their trust in Navient.
I still do not have my problem resolved, so I wanted a record of the situation submitted to the government.
Consumer complaint received 2022-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

On XX/XX/2021 a credit card from XXXX  XXXX XXXX  was opened for XXXX dollars amd this was not me and now it is on my credit effecting me and I want it removed
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is in reference to the XXXX accounts on my report that have been paid in full. Ive disputed these items but the still show on my account as delinquent or charged off. Please remove.
Consumer complaint received 2021-04-29
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. (MD)

This is an admission of documentation for the following complaints : ID FOR COMPLAINT SENT TO XXXX  XXXX ID FOR COMPLAINT SENT TO EQUIFAX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX I forgot to attach with the original complaints.
Consumer complaint received 2017-03-15
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Convergent Resources, Inc. (FL)

MY NAME IS XXXX IN XXXX AFTER XXXX XXXX, I HAD TO CLOSE MY COMPANY AND I WROTE TO ALL THE CREDIT CARD COS THAT I WOULD BE VERY LATE W PAYMENTS, MY CREDIT WENT SOUTH BUT I KEPT STRICT RECORDS. NOW 16 YEARS LATER MY CREDIT IS AROUND XXXX AND I HAVE JUST RECEIVED MY XXXX. I AM HAPPY I PAID EVERYONE OFF IN THE LAST 7 YEARS. TODAY I RECEIVED A LETTER FROM CONVERGENT OUTSOURCING IN XXXX, WA SAYING THAT I OWE A VISA ACCOUNT {$540.00} ... .NOT TRUE. I PAID EVERYONE OFF ONE BY ONE WHAT SHOULD I DO? ... I THINK THIS IS A SCAM TO PREY ON XXXX RETIREES ... XXXX IS SCAM CAPITOL ... 
I COULD IGNORE THE LETTER BC THEY MASS PRODUCE THESE LETTERS HOPING TO MAKE MONEY OR I CAN SEND A TERSE LETTER DISPUTING THESE CHARGES ESPECIALLY WITH STATUTE OF LIMITATIONS AND THREATENING A LAWSUIT THRU MY LAWYER. 
WHAT DO YOU SUGGEST? THANK YOU. XXXX
Consumer complaint received 2024-01-24
Product: Credit reporting 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 sent a letter onto remove items that is UNKNOWN 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 items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX/XXXXXXXX
Consumer complaint received 2023-04-16
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2016-09-20
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Advanced Professional Group (NH)

APG and associates collection agency continues to call family members and others no matter how remotely they are associated with me even though I have already spoken with them multiple times and given them my phone number, address and email address. They continue to claim that they are calling from a lawyers or mediation office and that there is action being taken against me. They refuse to identify themselves as a collection agency and continue with abusive and illegal collection practices. I have asked the agent, XXXX XXXX ( XXXX ), repeatedly to send me something in writing about the debt and they claim they will yet I have received nothing. I do n't even believe that APG is actually their company name. There is no website associated with the name APG of New York. I find it strange that I ca n't find any information about this business online anywhere. A search of their address brings me to another company called XXXX XXXX XXXX, XXXX. or XXXX which both have XXXX Alerts on them. Every tactic they use goes against the FDCPA.
Consumer complaint received 2022-02-15
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Medical Data Systems, Inc. (GA)

I have received multiple phone calls from the company asking for someone named XXXX. I have told them multiple times that that is not me, but they will not listen. I have told them to stop calling me and they refuse to mark down that they have the incorrect number, stating that in the state of Georgia will not allow them to take down anything that I am saying in regards to the account.
Consumer complaint received 2016-08-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC. (OH)

I offered to pay XXXX $ a month til it was paid. The debt is XXXX $ and only a month old They are demanding full payment by XX/XX/XXXX and the debt is only 45 days old by XX/XX/XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2023-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

For twenty years my mortgages have been sold or my lender went out of bussines with a new company... .Three times I have lost my escrow every time at a cost to me of a few XXXX dollars... 
My new account holder has now sold my mortgage or going out of business... 
for the past two years I have paid my tax and insurance through them ... New statement as of XXXX went up XXXX dollars each month for escrow payment .... 
My taxes and insurance have not gone up it is a new Estamate that might go up .... I will no longer hold any extra in escrow for the reasons I have stated .... 
This aging is only a usage for mortage to control more of others money .... I have stated the loses of before and have tried to regain access of them, with no recourse of other chalk it up to XXXX happens .....
Consumer complaint received 2017-03-11
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (MO)

I was given a cashier check No, XXXX issued by US Bank on XX/XX/XXXX. The Purpose/Remitter : XXXX issued per notation on the check at XXXX XXXX, in XXXX, KS. 
Around XXXX on XX/XX/XXXX I went to the US Bank Branch on XXXX, XXXX, MO XXXX to cash it. Teller XXXX Ask for my ID. I gave her my driver 's license She asked to install my thumb print on the check. Then she said it cost me {$7.00} Fee to cash the Cashier 's check that was issue by their own bank in different branch. I asked to see the manager XXXX. She also demanded that I pay {$7.00} fee. I told her that her bank already charged {$7.00} to issue the check and the Bank already had the money in their possession and use for three days, yet they try to charge another fee to give it back. She rudely told me that that is the way it is and tried to get me open an account with the Bank. I took the check to another Branch of the US Bank on XXXX in XXXX MO. The same story, XXXX, Assistant Vice President, also demanded that I pay {$7.00} to cash the banks own Cashier 's Check. He added that this is the bank policy and showed me their policy and said all other banks are doing it. This policy, if truly permitted, is Price Gouging, The banks are ripping off the public by charging them twice for the same transaction. Is it true that the banks have the prerogative to charge public any fee they want without a government supervision and control?
Consumer complaint received 2016-09-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

Ocwen took over servicing my loan, from XXXX, and is not honoring the modification that was in place. I have my XXXX contract as well as My receipts with on time payments. I paid on my modification for 10 months. after ocwen took over servicing, they foreclosed, evicted, and caused me servere harm. I fought in court and managed to get my home back yet ocwen is failing to honor the existing modification. They have just offered me a different modification that is completely different, unfair, and significantly more money. They are threatening me with foreclosure unless I sign this agreement.
Consumer complaint received 2015-05-22
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Comerica (ID)

I receive my social security XXXX on a master card from direct express. Which is an approved method from social security. On XXXX XXXX 2015 my account was wiped out. somehow, someone in California accessed my account and charged {$1500.00}. I discovered this on XXXX XXXX 2015 When I went to make a purchase at XXXX XXXX in my hometown of XXXX XXXX. I immediately called direct express & I was informed of these charges. I was told there was some type of a hold on the money & after XXXX XXXX I could get my money back.Nothing further needed to be done on my part. I requested a new card, which shut me out of the online service to see the charges. My new card came in the mail on XXXX XXXX. I got online to see that charges were still there. So i called direct express again & i was transferred to the fraud department. I was informed that I had not spoken to their dept. i was told they would mail me some forms to fill out. I went ahead & sent my own statement, contesting the charges as fruad. I received their forms on XXXX XXXX. Subsequent calls to direct express have not be addressed. I called Comerica bank which in on the card. I was told they only make the plastic. Direct Express has informed me that it takes up to XXXX days after receiving my dispute of the charges to give me a provisional amount. If approved., and the investigation could take XXXX days. And that if i was n't approved for a provisional amount it would take XXXX days to return my money. I can not pay my bills because of this fraud committed against me. Direct express has given me a run around and is not specific about my money being returned. I have filed a police report with the XXXX Police.
Consumer complaint received 2016-12-07
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (NJ)

Hello, In reviewing my credit report I see that Chase/Amazon Credit Card is reporting a late payment in XX/XX/XXXX. However, during this time I moved residences and called the company twice to have my address change. In the chaos that ensues when one moves homes I did not recieve my bill. In fact they company never changed my address as requested. I have been trying to resolve the issue with Chase directly but I also recieved an email from a customer service rep stating that I signed up for paperless statements in XXXX. I NEVER consented to paperless statements. In fact, in XXXX I was only XXXX and still living with my parents, why would I need paperless statements? Additionally, as I stated up until XXXX and even now, I still recieve paper statements so I am not sure why they are saying that I was receiving paperless statements. I was never late prior to XX/XX/XXXX and I have never been late since. It was an error made by the company Chase for not changing my address. Therefore the credit reporting is wrong.
Consumer complaint received 2022-02-15
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: C/C Financial (KY)

I am writing Preferred Lease as I now have a better understanding of my rights and violations of FCRA and FCDPA. I had contacted preferred lease in XX/XX/2020 about declared disaster and loss of work. I was told I would have to speak with a manager. Missed the managers call and called back the number left on voicemail which didnt work. Im not sure if it was a personal number. Eventually I got a hold of the manager who was rude and threatened that Preferred Lease would ruin my credit. They also would not work with me as I had one last payment before dismissed from work. I sent in all the information to the email the manager provided with no response or correspondence. Even at this point I have not received any correspondence from Preferred Leasing. I did NOT receive any mail about the bill due either and that it would be hitting collections. I have received no contact from the company and have been ignored. 

Please delete the account from all three credit bureaus as this was during a declared disaster, the manager threatened that Preferred Lease would damage my credit ( listen to your recorded lines ), and I have not received verification of debt. 

Thank you,
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Idaho Housing And Finance Association (TX)

I am currently on a Cares Act Forbearance with my mortgage company, Idaho Housing and Financial Association dba HomeLoanServ. This company is reporting my mortgage late each and every month to all three credit bureaus. Under the Cares Act, it states they are supposed to report as paid on time or in forbearance. In which this Company hasn't done either. They are not complying with the Forbearance guidelines. 
I have called and emailed them with no resolution. The company refused to update the account.
Consumer complaint received 2017-05-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: College Foundation, Inc. (NC)

My father co-signed for my private student loan fro m the College Fo  undation o  f NC. In 2011, h e filed for bankruptcy. At that  time, CFNC apparently sold off my loan to some guarantee agent, but I received no communication from them about this. They claim to have mailed me a single, paper letter in the mail, but they mailed it to my parent 's house, and I never received it because I was living at school. They had my email address and  phone number, and I had previously received communication from them via email, but I had never had any contact with them through the mail. I never got their letter and was left completely clueless as to the status of my loan. When I logged into my online account, it showed a {$0.00} balance as well as a credit for the principle balance, so I assumed that it was being handled through my parents ' bankruptcy. They al so reported my loan as closed to the credit bureaus, and nothing from the guarantee agent ever hit my credit report ( I also never received any communication from them ). Apparently, it spent the entire 5 years my parents were in bankruptcy garnering interest, which they have now added to the princip al balance of the loan. I had no way of making any payments on the loan, having never received any contact information for the guarntee agent, and there was no contact information on their website or any other indication that the loan was still active. Had I been provided with a means of paying down the loan, I would have done so and would not have allowed it to sit for 5 years gathering interest. I have tried contacting them numerous times about this over the last few weeks, but they claim that since I missed their " letter '', they are absolved of any further responsibility to me. I am not even sure this letter even exists and, they were unable to provide any proof of mailing. I have also requested a statement detailing how they have calculated the interest due on the loan for the last 5 years, and they have not provided that either.
Consumer complaint received 2016-10-10
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

The branch manager refused to answer my questions regarding harassing phone calls when my account is on a direct draft each month. When I asked for the anime of the representative who called multiple times, the manager refused to provide me the name and hung up on me three times when I attempted called back to speak to him. 

When I went to the branch and advised him that I thought it was inappropriate for him to hang up on me, he advised em he did not hang up on me but was done speaking with me. I asked further question about my account and when I advised him I would contact the consumer Financial Protection Bureau, he said I was threatening him and said he would call the police if I did not leave.
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (AL)

My credit was pulled without authorization by CBNAXXXX and there is no contact information available. Again, I did not authorize this action. 

Thank you!