davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-10
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 accordance with the Fair Credit Reporting XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX can be located at XXXX XXXX XXXX XXXX, XXXX, SD XXXX | ( XXXX ) XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (NC)

Had a XXXX XXXX XXXX XX/XX/2022. I WAS covered by insurance. The hospital did not charge the insurance agency and instead charged me directly. I had no idea about this debt until it appeared on my credit report. The company A R Resources NEVER contacted me notifying me of the debt. They also reported the date of first Delinquency is the day I was XXXX XXXX  inside the hospital not 30 days late. This collection in itself is fraudulent. Please remove this a report company for malpractice. Seeking possible litigation if not resolved.
Consumer complaint received 2017-10-03
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. (TX)

I am a victim of identity theft. Several inquiries are showing on my credit report that were not authorized by me. These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs XXXX XXXX XXXX Bank XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX Bank XXXX XXXX XXXX Finance All of the companies listed above obtained my credit report due to fraud. I have contacted each company and all companies have agreed to request the removal of the inquiry from my credit report. As of XXXX/XXXX/XXXX these inquiries are still showing on XXXX or more of my credit reports. I have attached a PDF of the letters I have received from the creditors above showing they have requested the removal of the inquires. I have also attached a copy of my photo ID for verification purposes.
Consumer complaint received 2022-09-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (CA)

Please be advised this is my SECOND WRITTEN REQUEST. I filed a report to Sallie Mae through CFPB that I do not have a balance with them! Sallie Mae then reported the loan was taken out with the XXXX XXXX. Thus, I contacted the university, and confirmed I did not out a private student loan during the one year I attended the university. I attached my financial aid award letter to confirm this information below. Sallie Mae is now informing me that I will have a derogatory mark on my credit report for not paying on the loan on XX/XX/XXXX. However, I am submitting additional evidence that I did not take out a loan with Sallie Mae at XXXX XXXX. Sallie Mae is required under the Military Lending Act ( MLA ) and Servicemember Civil Relief Act ( SCRA ) to remove falsification from my credit report concerning ALL credit bureaus. Furthermore, a creditor can not require a covered borrower to submit to arbitration or other onerous legal notice provisions in the case of a dispute. The statutory amendments to the MLA in XXXX granted enforcement authority for the MLAs requirements to the agencies specified in section 108 of TILA. These agencies include the Board of Governors of the Federal Reserve System, the Consumer Financial Protection Bureau ( CFPB ), the Federal Deposit Insurance Corporation, the National Credit Union Administration, the Office of the Comptroller of the Currency, and the Federal Trade Commission. State regulators also supervise state- chartered institutions for MLA requirements pursuant to authority granted by state law. Implement statutory changes, including provisions related to administrative enforcement and civil liability for MLA violations ( for knowingly violating the MLA, there is potential for criminal penalties ). I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA, MLA, and SCRA.
Consumer complaint received 2017-10-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (OH)

this is my second loan with speedy cash and things went well, until the last couple of months, my company changed pay roll dates. I reached out to speedycash to see if I could change my due date, because each week, I have to extend out my due date and get more accured interest. I have never missed a payment and ca n't help that my company made this change, unfortunately I am not at an executive level to help with decisions as such. All I want is a due date that corresponds with my new pay cycle. When I reached out to customer service, I was told it had to stay the same as was only original loan documents. I do n't understand why that ca n't be altered, and no one took the time to explain that, I just received a no answer. 
Thanks! 
XXXX
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

CFPB + Experian, This complaint is in relation to a credit account this creditor ( XXXX XXXXXXXX XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Consumer complaint received 2023-01-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (IL)

I am XXXX XXXX behind on my car note but have been making payments every XXXX in an amount in excess of what my XXXX payments are in an attempt to slowly catch up. I have requested Bridgecrest to no longer harass me all XXXX but they call XXXXXXXX XXXX XXXX XXXX XXXX XXXX filling my voice mail box, and disrupting me while I am at work. They call from different numbers every time as well, so blocking does no good. I am exhausted with them and can not have them disturbing me at work anymore. I would provide specific dates, but it has been happening every day for the pasXXXX XXXX XXXX, every day including weekends. I get calls as early as XXXX XXXX, and as late as XXXX XXXX.
Consumer complaint received 2021-04-21
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. (FL)

Obviously, these accounts are not mine, and I do not want to accept their existence in my credit profile. SO please check these accounts on any error or identity theft or bad reporting and release me from them - Delete them all.
Consumer complaint received 2019-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NJ)

I received a letter requesting proof of flood insurance, I followed instructions to upload the flood declarations page as our flood insurance is covered under our HOA. I also faxed it to be double sure since I have no confidence based on past terrible experiences with Roundpoint. A few weeks later I received another letter stating I didn't provide proof so I uploaded and faxed again. Now I received a notice of Lender Placed Coverage charging me over {$2100.00} and stating it's because I never provided proof of flood insurance. Today I called and was hung up on 3 times. I went on their online chat and was told to now email the declaration page to insurance@roundpointmortgage.com which I did. I followed up with a phone call and was on hold over ONE HOUR and then person told me the document I sent was not what they were looking for. However, I am the treasurer of the HOA and provide the same document stating proof of flood insurance for 15 homeowners and it is sufficient. In addition, I looked back at my emails and I had the same issue last year with them with the exact same declaration page with last year 's dates. I feel that I am being scammed and don't know what recourse I have to stop this charge.
Consumer complaint received 2021-09-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Sent from my XXXX XXXX XXXX XXXX device -- -- -- Original message -- -- -- From : XXXX XXXX Date : Tue, XX/XX/2021 XXXX XXXX To : XXXX ; Cc : Subject : Coinbase Buy & Trade Bitcoin, Ethereum & more I need to Login to my coinbase pro account, but I can't because apparently they made me fraud and blocked my income, they also withdrew {$1000.00} without my authorization from my bank account XXXX bank I need to solve me shortly I am very upset with you. {$7100.00} dollars in shares with you and I can not withdraw them since they changed my password, please, I need help to activate my urgent password.I should also tell you that the hakers bought with my stock ethe and litecoin they bought bitcoin and tried to sell them. I never bought or transferred my shares to bitcoin. 
I have with you Ether : XXXX Ether : XXXX Litecoin : XXXX My XXXX bank give back {$1000.00} But still waiting for you Send me a my email reactivated My password.i need help me assonest Waiting since XX/XX/2021 Thank It second time make complaint the company answer you them try contact me but is not true I never receive email from them XXXX Just need them send me email I dont have acces my account .I have a lot money Please help me just need take out my money
Consumer complaint received 2017-12-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

I previously sent a compliant to your department reference number : XXXX regarding OCWEN LOAN SERVICING LLC. After reviewing Ocwen 's response they are basically not forthcoming and appears to be involved in a very unethical situation which took place previously. Ocwen Loan apparently became the servicer for my residence at XXXX XXXX XXXX XXXX, XXXX Georgia XXXX. After further research it was revealed this home was involved in several fraudulent loans, in which we were the victims of Identity Theft and Mortgage XXXX. I did notify Ocwen there were several loans on the property, however, we never signed any final documentation. The documentation we received from the closing attorneys was fraudulent. At this current time, Ocwen was given an unmanageable debt. We were unaware of this issue until we were alerted a realtor who pulled documentation regarding the property. In addition, it appears one of the attorneys was charged with embezzlement. WE OWN NOTHING AND WHERE DID OUR MONEY GO? We are taken legal action against all parties involved. we do feel it is in Ocwen 's best interest to initiate damage control before this hit the media. In addition, they responded to our denied modification which they TOTALLY LIED ABOUT, and they are constantly threatening to foreclose on a home was MAJOR FRAUD just to cover their XXXX! In addition, there are additional loans on this property from other mortgage companies. Ocwen stated they had our signature on file on the documents regarding the financing of this property. WE NEVER SIGNED ANY FORMS, THERE WERE NO NOTARIES AND NOT ATTORNIES. We were told to show up at XXXX and XXXX, XXXX XXXX XXXX, XXXX Georgia XXXX. The attorneys assistant was present. We inquired about the signing, we informed the process was complete and the attached forms was mailed.
Consumer complaint received 2022-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX can be located at XXXX XXXX XXXX XXXX, XXXX, SD XXXX | ( XXXX ) XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-10-03
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: LEXISNEXIS (IL)

I submitted a public record investigation request to LexisNexis XXXX2017. I received a response ( case # XXXX ) more than two months after stating that the public record item was verified. In my correspondence, I request the Method of Verification which LexisNexis did not give in clear violation of FCRA. Additionally, they exceeded 30-day response requirements as per the FCRA. They know this because I have a friend who had the same issue recently and LexisNexis in accordance with the FCRA removed the item in question I contacted the court and the clerk was certain there was no verification request from LexisNexis How can this be..?
Consumer complaint received 2024-03-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC (CA)

My XXXX XXXX plan ended on XX/XX/XXXX. The qualifying event for the forbearance was a reduction of income. My property was in a FEMA declared disaster area qualifying for individual assistance. According to XXXX XXXX guidelines I should be qualifying for a 12 months payment deferral. At the time of writing this complaint Im 14 months delinquent. Im fully aware I need to bring down the balance down to or below 12 month delinquent for my file to be referred for a disaster deferment. However Im unable to make the payments with my servicer after attempting many times over the phone. Not having 12 months or less is the reason I was denied for a XXXX XXXX 

Please note on my file I previously had a XXXX XXXXXXXX XXXX  To clear any possible confusion please review XXXX, XXXX XXXX XXXX ( XX/XX/XXXX Please see page XXXX on the servicing guide I have attached XXXX XXXX XXXX Please review servicing guide in detail that Previous XXXX XXXX XXXX does not take away my loans eligibility for a XXXX XXXX 

Please take this matter seriously. I will be engaging a full on Lawsuit against shellpoint mortgage for negligence if I was to suffer any financial losses due to foreclosure and negative credit reporting. I been trying to resolve my issue since mid XXXX until now. Havent heard from my assigned point of contact or anyone qualified to provide clear updates.
Consumer complaint received 2019-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

To whom it may concern.Ocwen changed its name to PHH mortgage.Several issues.My account can not be located online but I recieved written correspondence Noone available via telephone.Payment not applied..I use online billary via my financial instituation therefore payments can be tracked.Mortgage amount is not the same as under Ocwen.No available mortgage identification number can be located on the internet.Thank you.Sincerely XXXX XXXX
Consumer complaint received 2019-10-01
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: Experian Information Solutions Inc. (NY)

I purchased a car on XX/XX/2019. I was not told nor did I allow my credit to be ran over 4 times. Now I'm left with multiple inquiries for 1 car and I haven't get approved for anything due to excessive inquiries.
Consumer complaint received 2019-10-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AL)

I attended XXXX University for XX/XX/XXXX-XX/XX/XXXX, but was withdrawn due their changing the XXXX track for XXXX XXXX and a balance due of {$1100.00}. A loan of {$20000.00} was paid to XXXX, an interest check of {$20000.00} was paid to XXXX in XX/XX/XXXX by Navient. This was initially Sallie Mae. Since this time, the {$20000.00} loan has accrued interest totally {$250000.00} as of XX/XX/XXXX. The monthly payments average {$2500.00}. I can not pay this amount and should not be required to pay this high interest. Furthermore, I did not obtain a XXXX degree from XXXX. This high balance has affected by credit, getting employment, loans, and overall way of life. I have been unemployed for almost two years, but may be able to settle this account for a one time payment of {$2500.00}, with a  forgiven balance, with this high account be removed from my credit history.
Consumer complaint received 2022-09-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (KS)

On XX/XX/2022 while checking my email, I found a notice from Pay Pal. It related that I had made a purchase thru PayPal. I knew that I had not done so. I have called PayPal and spoke with a agent by the name of XXXX XXXX.I reported the problem to him and he then checked what had occurred. He informed me that a account had been opened using my name, social security number. The account is with XXXXXXXX XXXX XXXX with a {$10000.00} credit available.The card had been used to make a {$1800.00} purchase. I again informed him that I had not done this.The reference # is XXXX and the phone number is XXXX for PayPal. The agent told me that he was transferring me to the Senior Security Manager, by the name of XXXX XXXX. Upon speaking with her, she said that her ID # is XXXX. She then said that I needed to go to a XXXX XXXX and obtain a PayPal blocking card. Then she asked me if my bank debit card ended in XXXX, I said yes. Then I asked her how she got my debt card Bank and my debit card numbers. She would not relate to how. I then became suspicious and I hung up my phone.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AR)

I am writing in response to your recent communication regarding an alleged debt associated with my name. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide me with the following information : Verification of the debt amount and its origin. 
Documentation demonstrating that I provided consent or agreed to the collection of this debt by your agency.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

To date, I, a qualified consumer in/from New York state , due to new discovery ; I am an injured party/woman that has been and is being damaged by XXXX XXXX XXXXXXXX XXXX XXXX XXXX listing inaccurate information on my credit reports containing erroneous school loan debts amounting to {$50000.00} ; It is my understanding XXXX  has entered into a CONSENT JUDGMENT with the United States Courts, and agreed to cooperate with the Signatory Attorneys Generals, New York Attorney General being one of them. ( My state ) ;
Consumer complaint received 2017-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A. (GA)

Yes I was charged XXXX for a purchase with rv parts and I filed a dispute with my bank on my own secured credit card and they still have not issued my credit I prepared the case for them and gave them 7 emails so that they could win under the fair credit billing act
Consumer complaint received 2016-12-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMERICAN EXPRESS COMPANY (FL)

American Express sued me over a credit card debt that was from XX/XX/XXXX and won a judgement against me in XX/XX/XXXX. I filed Bankruptcy in XX/XX/XXXX and was dismissed in XX/XX/XXXX. The problem I have is when I called American Express to get the statements from them they told me they can not provide them to me for court. They refuse to issue me any statements at all so I could properly defend myself in court. I wanted to defend myself in court to prove that American Express wrongly double, triple and quadruple charged me for the same charge. For example, If i stayed in a hotel for {$150.00}, and asked American Express to move over into their monthly payment plan program, or I moved it over they would charge me up to {$150.00}, {$150.00}, {$150.00}, {$150.00}. I have repeatedly complain to American Express about this and they would fix it XXXX month and then the next month it would be back on the statement. The American Express bills would reflect exactly what I am describing. So when I went to court American Express refused to send me those statements so I could prove this in court. I asked the attorneys who sued me on behalf of American Express for proof that I owe this money and they could n't produce any statements. When my attorney asked American Express in court to prove that I owe these charges with statements they could not prove it in court. They still won in court a judgement for money I do n't even know, I had a professional accountant look at the statements and revealed that I over paid American Express by {$5000.00}. Now my wages are being garnished {$1500.00} a month to pay a credit card I do n't even owe. I sent a copy of this complaint to the XXXX Attorney General as well XXXX