davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. ()

I am an international student who lived in XXXX. I got sick around XXXXwhen I was visiting my XXXX so I went to the XXXX, XXXX historical there. From here, I receive a medical bill which I believe I paid. I previously had issue with the charge so I had attempted to call them also I remember I was promised a call back. I also contacted my student medical care XXXX at the money since I was a XXXX university student. I remember I later receive a check from the boatload regarding something about the bill but I dont remember what happened. Later I moved to XXXX for graduate school in XXXX. I hen moved back to XXXX due to COVID. I recently revive a message from my aunt saying that the CBE group sent me a mail for a debt they need to collect and I need to dispute it within 30days or else it is valid. I dont know what the bill is for and I do not live in the states so there is ll way for me to ask them about more information. Nor does the hospital has a email that I can ask regarding this issue. The paper said I would face judgement if I do not lay the bill. The bill is around 100 only and I have no issue paying this if this is what I forgot to pay or some miscommunication issue between me and the hospital, but I do not understand why all of a sudden 2years later I need to lay this bill. And what would happened if I did not pay it in time? Would that affect any of my credits?
Consumer complaint received 2022-09-13
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. (GA)

I am submitting this CFPB Complaint regarding my request for the Credit Bureaus to remove the dispute fraudulent information reporting on my Credit Report. I previously sent an FTC dispute letter addressed to the Credit Bureaus on XX/XX/2022 requesting that the Credit Bureaus remove the fraudulent items from my Credit Report. However, upon checking my updated Credit Report, it is clear that the Credit Bureaus have not yet complied with my request. Once again, I was a victim of identity theft and I have read that the Credit Reporting Agencies are required to remove any accounts and information that was incurred due to identity theft. I never received anything as benefits as a result of my identity being stolen, neither did I initiate in opening this accounts. I never authorized anyone to use my personal information. Under the FCRA section 605b, I am submitting this CFPB complaint to request the Credit Reporting Agencies to remove the following fraudulent items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX DP OF EDUC XXXX Balance : {$7200.00} DP OF EDUC XXXX Balance : {$3100.00} DP OF EDUC XXXX Balance : {$10000.00} DP OF EDUC XXXX Balance : {$6800.00} DP OF EDUC XXXX Balance : {$8100.00} DP OF EDUC XXXX Balance : {$3300.00} DP OF EDUC XXXX Balance : {$9400.00} DP OF EDUC XXXX Balance : {$7100.00} DP OF EDUC XXXX Balance : {$460.00} DP OF EDUC XXXX Balance : {$3900.00} DP OF EDUC XXXX Balance : {$1600.00} DP OF EDUC XXXX Balance : {$5600.00} DP OF EDUC XXXX Balance : {$8300.00} DP OF EDUC XXXX Balance : {$6700.00} DP OF EDUC XXXX Balance : {$1500.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022. The Credit Bureaus continued reporting the fraudulent items which a clear violation of a consumer 's rights under the FCRA section 605b. If the Credit Bureaus claim that the disputed items belong under my name, I will the Credit Bureaus to provide me copies of proof of verification bearing my signature. If the Credit Bureaus can not prove that the disputed items belong to me, I need the disputed items deleted as soon as possible.
Consumer complaint received 2022-09-13
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. (NJ)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6600.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}
Consumer complaint received 2020-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$2500.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX  XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2019-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

Sometime in XX/XX/XXXX our mortgage was sold to New Penn Financial. In XX/XX/XXXX New Penn changed their name to New Rez. We received a check in the mail from them for nearly {$4000.00} which we thought was in error. When we called them they said there was no error and that this was a return balance of our escrow account from over-payment of our property taxes. We asked if we could return the balance to our escrow account for use the following year or if this was determined to be an error later on and they refused. Then they reduced our mortgage payment from {$1900.00} a month to {$1600.00} a month for reasons we did not know. Suddenly in XX/XX/XXXX, our mortgage payment was increased to {$2400.00} per month. When we called New Rez to find out why they said it was because we had a negative balance in our escrow account because they should NOT have refunded us the escrow balance from XXXXXX/XX/XXXX which was in fact an error. We are now stuck trying to repay the balance we previously had in the account over the next 12-24 months. Our mortgage is being mismanaged by New Rez and everyone I have spoken to there is not knowledgeable about how to manage mortgage or escrow accounts. The uncertainty with our mortgage and our monthly payments which now change with every statement have made financial planning very difficult. I was told my only recourse was to report them to the federal government since we have no control over who our mortgage gets sold and transferred to even if it becomes mismanaged. Just as someone selects what bank handles their money, we should be able to select who services our mortgage to avoid situations like this.
Consumer complaint received 2018-06-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bristlecone, Inc. (VT)

I signed a lease with XXXX XXXX  back in XX/XX/2017. Once the beginning of the year came around the dog was just not working out. My husband called them and was told that the XXXX payment was going to process and our termination fee would be {$1900.00} something but that each time we paid on time ( they did ACH payments ) that it would go down that amount. So we decided to wait a little while. In XXXX he called again to find out what to do and was told that it was down to {$1700.00} something. I said that can't be right but lets call back and let them know they made a mistake when we decide to get rid of the dog. We give the dog to a no kill shelter because that was the only option we were given- later to find out we could have returned to the breeder at no cost. then when my husband called, suddenly he was no longer authorized to speak with them. So I called and they could not find my acoount even though I gave all of my information. They transferred me to another company- after telling me what to do with the dog and fee 's ( the last conversation said {$150.00}. They told me I needed paperwork and when I got it it was the wrong paperwork.They were clueless about my account until I forwarded them a bill I received after I told them numerous times that I did not authorize another payment. They still went through and tried to take a payment which resulted in me having to freeze and close my account. Before that I was told the amount has gone down to {$1400.00} something. so it's going down with the monthly payments it should be around {$900.00} since XXXX but the story always changes. I request the recordings and was told I could have All of them if I escalate my complaint which I agreed to do. Then was told I can't have any of the recordings. They had told me I could make payments and then I couldn't and then I could. This is a huge scam and because I have been fighting for the truth they have decided that I owe {$1900.00} something again! It is ridiculous!! I would like to send the emails with all the inconsistencies if someone can provide me with an email address. 

( I can not attach documents but if I am given an email address I can show you all of the inconsistent correspondence )
Consumer complaint received 2019-05-22
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. (TN)

A collections notice was put on my credit file even though I have a receipt showing the balance was paid in full many months prior to when the collection was filed. XXXX and XXXX have both removed the collection from my credit file but Equifax refuses to remove it. I have opened a dispute with them and they closed the investigation without removing the collection. I called them and they said that even though I had submitted the receipt that they were unable to remove the collection from my report. They then said that they could open another investigation. I have a mortgage that is on hold right now because they can not underwrite it with open disputes on my credit file. It's been over a month and I need this done!
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: Experian Information Solutions Inc. (PA)

Starting in XXXX I sent dispute letters to the bureau in regards to each account. They responded with by sending me a credit report saying that they were verified. In XXXX I responded with another dispute letter stating that if you verified I would like a hard copy and method of verification. The bureau responded with again another credit report stating that each account was verified. I have rights and and under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ), to have the bureau provide proof of each and every account within 15 days. If not all accounts should be deleted. The bureau has not provided any type of proof of any account on my report besides the word verified.
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: Experian Information Solutions Inc. (GA)

In XXXX of 2019 I contacted Experian to report ID theft from various sources that were unknown in origin. Since this time, the ID theft has A. ) not stopped and B. ) not been addressed on my credit report at ALL. Why not? What do I have to do to get Experian or the other agencies To take me seriously?
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 — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I had a credit card with the XXXX XXXX XXXXXXXX XXXX XXXX XXXX that was sold to a collections agency portfolio recovery. It was being reported as delinquent and negative on all my credit reports so I called the XXXX XXXX XXXX to get the contact number for the collection agency so that I could pay the debt off and clean up my credit. Upon speaking to a rep with I agreed to pay the debt only if the account be completely removed from my credit report. They assured me that once I paid the debt it would be removed from my credit within 30 days after the debt was paid. On XX/XX/2020 I made my final payment on XX/XX/2020 I got a notification from my credit bureau apps that I had a negative/ delinquent reporting account. The account was from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I called them and told them that I had paid the debt with portfolio recovery and that the debt and all account information should be deleted from all of my credit reports. I spoke to a XXXX and she told me that since portfolio acquired the debt I had to contact them to get the account deleted. After I got off the call with her I called XXXX, XXXX, and XXXX  just too find out who was reporting the debt and both companies have not removed the debt and still reporting delinquent/ negative marks on my report. Ive been getting the run around from both companies. I just want this account deleted from my credit reports since I paid the debt off and they told me that it would be deleted after I made the payment.
Consumer complaint received 2022-08-09
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. (MD)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, MD XXXX To WhXXXX XXXX XXXX XXXXcern : I received a copy of my credit report with the intention to trying to improve my credit and take care of mu reasonability and noticed an account I wanted a little more explanation on. I am just saying that I am not 100 percent sure if it is accurate. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you to you all. 

Are you familiar with something called 15 U.S.C.Sec. 1681i ( a )? I heard that if you can't provide proof. these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent correct. So, could you please check on these and get back with me? I saw on a credit site and board where this lawyer said you had 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or correct on them. 

Account : Account name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Number : XXXX Please investigate, if every piece of information is correct. If not, please remove it from my credit report. 

Thank you for your time and help with this matter.
Consumer complaint received 2019-05-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (TN)

I am submitting a complaint regarding the actions that Chase performed on XX/XX/XXXX by selling the home I previously owned via Foreclosure despite an active Sales Contract that was approved and agreed upon through XXXX TN Bankruptcy Court. 

On XX/XX/XXXX, I entered into agreement with XXXX XXXX, Real Estate Agent for XXXX XXXX XXXX, XXXX TN to begin the process of a Short Sale of my home. The initial proposed sales contract dated XX/XX/XXXX was submitted to Chase for review and consideration. On XX/XX/XXXX I received a letter from Chase stating the amount submitted was too low to consider and to submit a new or updates sales contract. 

On XX/XX/XXXX, I received a letter from Chase indicating that my home was scheduled for foreclosure on XX/XX/XXXX. Two days later XX/XX/XXXX a new contract was submitted with a new buyer and a new amount of XXXX. Chase approved the Short Sale with the proposed amount. The sales agreement listed the closing date as XX/XX/XXXX. This sale was approved by the TN XXXX   District Bankruptcy court. On XX/XX/XXXX the agreed Short Sale was stopped because " Seller unable to provide good title. '' Because the home was in bankruptcy a lien was placed on it to assure that any proceeds of the sale would be paid to JP Morgan Chase as part of the bankruptcy agreement. The approval authorizing the sale specifically stated conditions that JP Morgan Chase Bank and all liens would be paid in full as the closing. 

On XX/XX/XXXX, Chase sold the home as a foreclosure auction by a Third Party at the same approved amount of XXXX. Chase was fully aware that a Short Sale which had been approved by the Bankruptcy Court was to have been completed by XX/XX/XXXX. Once the sale had been completed, all liens would have been released and the Seller could have received a complete title free from any liens. 

Because Chase did not fulfill the approval of the sale via bankruptcy and sold the home as a foreclosure, I will now have a foreclosure listed on my credit and that should not be the case. Chase negligence in adhering to the approval of the sale has now placed my credit in a dismal state. 

Because Chase neglected to fulfill the approved sale of the home that was agreed upon and in process of closing on XX/XX/XXXX, a foreclosure was performed. Once the Short Sale had been completed, the new homeowner would have received a title that was free from all liens.
Consumer complaint received 2021-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (FL)

I had a car loan with Westlake Financial and the car was totaled. My insurance company sent Westlake a check and then Westlake was supposed to cover the remainder of the loan with GAP insurance. Well they are now harassing me with calls almost every hour and all times of the day and night. They are now calling from multiple different phone numbers. It is XXXX on a Saturday night and they just called again! They have yet to submit an explanation of the claim and still want me to pay a full balance on a totaled car loan.
Consumer complaint received 2021-09-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Credit Lending Services Inc. (CA)

The duration of the loan is 36 months, which I just completed. I was accessed and paid late fees every month that I was unable to pay my bill on time due to the pandemic. My vehicle was repossessed during the time I was waiting for my unemployment benefits to kick in. I got the vehicle back when I received the benefit, paid all outstanding bills before the vehicle was released to me. To my surprise after making the last payment on the loan which was the end of XX/XX/2021, I was told that I still have a balance of over {$1300.00} before I can get the title to the car. I asked for the breakdown of the claimed balance and they told me {$500.00} for repossession fees, {$120.00} for changing the lock on the car, other unexplainable fees and accumulated late fees. How can I have accumulated late fees when I paid late fees every single month that I was late? Why charge me repossession fees twice when I paid what the company asked me to pay before the car was released me? I need clarifications on these matters. Thanks for your intervention
Consumer complaint received 2020-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MA)

I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please.
Consumer complaint received 2022-09-13
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. (TX)

In compliance with the Fair Credit Reporting Act. Equifax, XXXX XXXX, XXXX, has violating my rights. 

15 u.s.c. 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains personal information about a consumer, unless the consumer consents to the furnishing of the report.