davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-13
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. (CA)

I have been trying to buy a car so today XX/XX/20 I went to the XXXX XXXX and when they ran my credit to see if I qualified for an auto loan I was told I did not qualify because there were too many accounts with negative credit history on my credit. I looked through each account and there are five accounts and a few inquiries on my credit report that do not belong to me ; I don't know why those accounts/inquiries are on my credit report or who they belong to but I did not authorize anyone to open them on my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I contribute to any payments made towards these accounts. I have already filed a police report in regards to these unauthorized accounts.
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

EQUIFAX which has recently " verified '',  XXXX  &   XXXX   are all reporting a collection account,  XXXX   XXXX   XXXX   XXXX , AKA   XXXX   XXXX   XXXX   XXXX    ACCT. #    XXXX  IN THE ESCALATED AMOUNT OF  XXXX  DOLLARS FROM THE ORIGINAL AMOUNT OF  XXXX  DOLLARS ...  .THE ORIGINAL  CREDITOR IS   XXXX   XXXX   XXXX   XXXX   AKA   XXXX   XXXX  . THE ORIGINAL  CREDITOR HAS PERPETRATED " FRAUD '' in my case ...  ..I ord ered water service at a  XXXX  sales signup inside a  XXXX  store.What I signed up for was a  XXXX  dollars per month service.What I received was substantially higher on th e 1st bill, which were surcharges undisclosed to me in the sales   presentation .. . ..I sp oke to   XXXX   on the phone ... we could not come to agreement ... they would not relent on the undisclosed fees/surcharges so ... .. I told them to come pick up their equipment.They made  3  different appointments to come pick-up their equipment and were no-shows all  3  times.The machine/dispenser sits in my house to this day ... they obviously do n't want it.   What   XXXX  /  XXXX   XXXX   XXXX   wants to do is perpetrate fraud an d 1 ) overcharge on their service,2 ) '' sell me '' their equipment I do n't want, and 3 ) rin g up a huge unrealistic tab, give it to an relentless collector who could n't give a DV notice or Debt Validation .... because it would invoice or document their crime as evidence in court .... I have found out from the BETTER BUSINESS BUREAU that this scheme is being perpetrated all over the country.   So if the credit bureaus do n't delete.. the CFPB will receive a complaint against the collector/furnisher AND THE  O.C . the organizer of the fraudulent financial scheme.
Consumer complaint received 2021-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Recovery Service, Inc. (PA)

National Recovery has been harassing me via voicemails, emails and texts for a debt that was paid to XXXX XXXX in XXXX of XXXX. We sold this property back in XXXX and the bills were going to the wrong address. As soon as I received the bill in XXXX of XXXX, I called XXXX XXXX and they informed me to pay it on their website, which I did immediately. I have sent National Recovery proof of payment via email as well as texts. I called into their offices on multiple occasions and they always instruct me to email the proof, which I do. But THEY CONTINUE TO HARASS ME. 

Please see emails and texts attached.
Consumer complaint received 2020-10-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (TX)

The loandepot closed my refinance but didn't fund the loan for 3 days after the date of closing and I had to pay interest at previous mortgage company and with loan depot for same 3 days twice! 

I talked to the title company and they said they didn't get approval to do final funding for that time period and refunded 1 day 's interest but remaining 2 days I followed up with loan depot and they kind of agreed and opened ticket but now wouldn't respond for more than XXXX months and tell me anything about refund of XXXX $ XXXX XXXX $ interest per day x 2 days )
Consumer complaint received 2024-05-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Creditors Bureau Associates (AL)

I've tried disputing the collection accounts against me and have supplied proof of where I was at the time these services were allegedly rendered. It's hard to be at a hospital while serving a XXXX  year prison sentence. And I've sent this information into the collection companies and the company who started the collections and since identity theft applied my personal information was breached and taken during the XXXX data breach!
Consumer complaint received 2018-06-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc. (CA)

We began receiving phone calls at all hours from the company XXXX XXXX XXXX around XX/XX/XXXX of this year,XX/XX/XXXX They would hang up on us when we asked who they were. I received a letter from them on XX/XX/XXXXstating I owed for a supposed account and a stated amount. I do not owe any outstanding debt and my credit is very good. I received another phone call this morning XX/XX/XXXX. The lady told me that there was a " claim against my social security ''. I told her she was wrong and she hung up on me. I called back and spoke to a manager. He stated He was going to see me in Court because I don't pay my bills. These people are breaking the law and violating the FDCPA by representing themselves as lawyers and threatening legal action on a debt that probably is 15 years old. I have no current issues with unpaid debt and haven't for over 15 years. These people call and make false statements, hang up on us and threaten legal action. I am sick of these people breaking the law. We would appreciate very much your assistance. Thank you.
Consumer complaint received 2016-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NJ)

I 've consolidated my student loan debt ( approx. {$200000.00} at this point ) under the Public Service Loan Forgiveness program, and have been making monthly payments for the last 6 years. I work for a nonprofit XXXX in New York ( high cost of living coupled with non-profit salary ). I should have been eligible for forgiveness in 2020. However, I just learned XXXX of my payments over the last 6 years have been disqualified because the " full monthly installment amount was not received ''. Here is how this happens : Let 's say my monthly loan payment is {$340.00}. One month I round up and pay {$350.00} ( overpaying by {$6.00} ). The following month I get a statement saying the amount owed is {$330.00} ( which is slighly less, due to the over-payment the month before ). I pay the exact amount owed, according to my statement. That payment of {$330.00} is disqualified because it is not the full loan payment amount. This happened to me 10 times in six years -- which means I will have to stay in repayment almost an extra year before I 'm eligible for forgiveness. Costing me thousands of extra dollars in repayment. 

When I called FedLoan Servicing to ask about this, I was told that it was n't their problem I " did n't read the fine print, '' and that the annual enrollment forms I sign to stay in the income-driven repayment program explicitly state that I must make the full payment each month in order to qualify. I get that. But then why am I receiving a statement telling me to pay anything other than my full payment each month? This is misleading, at best, but feels malicious. And I 'm sure there are thousands of people out there paying their loans on time every month, paying whatever is listed on their monthly statement, not realizing they are falling through a loophole in the system. Frankly, I 'm surprised there has n't been a class action lawsuit yet.
Consumer complaint received 2020-07-13
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: EQUIFAX, INC. (CA)

I have been trying to buy a car so today XX/XX/20 I went to the XXXX XXXX and when they ran my credit to see if I qualified for an auto loan I was told I did not qualify because there were too many accounts with negative credit history on my credit. I looked through each account and there are five accounts and a few inquiries on my credit report that do not belong to me ; I don't know why those accounts/inquiries are on my credit report or who they belong to but I did not authorize anyone to open them on my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I contribute to any payments made towards these accounts. I have already filed a police report in regards to these unauthorized accounts.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

I have a Chase Card issued to me by Chase Bank. The account is currently closed with a balance. Due to job layoff, I enrolled the card in a special payment program, which gives the card a fixed rate with a fixed monthly payment so it can be paid off faster. 

I have done this with 2-3 other creditors, and they were also successful in reducing my rate and payment. 

However, with this particular Chase account, Chase is reporting that I am under a " partial payment agreement ''. That is what the remark states on the account on my credit reports. 

This comment is incorrect, and is halting my mortgage process. My attorney and mortgage lender state this is an inaccurate comment, the account is still being paid in full with the balance I had remaining on the account. The reduction in interest rate would obviously lead to a lower monthly payment. The reduction in interest rate does not suffice to be labeled as " paying under a partial payment agreement '' Other creditors I have done a similar program with, have not reported any sort of comment on my credit report. 

Chase has been the only creditor that have reported the comment. 

This is halting my mortgage process, this needs to resolved or my next course of action would be to have my attorney reaching out to Chase regarding the ambiguous comment on the account listed on my credit reports. This is also causing damages to me financially as I am not able to obtain a mortgage note. 

I have attached reference of how the account looks on my credit report with the stated remarks I have mentioned.
Consumer complaint received 2018-06-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MA)

On XX/XX/18 I sent a certified letter to XXXX XXXX aka Resurgent capital services. I asked them to validate a debt that was being reported on my credit report. On XX/XX/18 I received a letter from them asking me to contact office for further assistance and also wrote a disclosure stating I needed to notify them within 30 days of receiving the new notice if I dispute the validity of the debt. They told me to dispute the debt if I didnt think it was valid in response to my debt validation letter.
Consumer complaint received 2020-07-13
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC (CA)

I'm a first-time home buyer, with no realtor and my spouse was overseas when I handover a {$15000.00} deposit on XX/XX/2020 to Lennar and signed a purchase agreement on XX/XX/2020. I felt being pushed to sign it without explaining the consequences of my action considering that I don't have a realtor & my spouse was overseas. 

The mortgage company is Eagle Homes and I was conditionally approved but the conditions was not explained to me and they are not returning my call for an explanation. 

Due to covid 19 my financial situation has changed ; my mom can no longer help me with the down payment as she needs to help her other families affected by covid 19. In addition, my employer started to require us to contribute for our health benefits. For this reason, I have sent an email on XX/XX/2020 to Lennar to cancel as I can no longer afford to purchase the property. 

I have been following up with the refund of my down payment and ended up being stressed, XXXX  and end up being in the Emergency Room on XX/XX/2020 because I have been told that I can't get my deposit back being conditionally approved but my situation has changed and can longer meet the conditional approval. 

On XX/XX/2020, I just notice a notification that the contract was voided, and I raised a question to Lennar and they said that the contract was cancelled on XX/XX/2020. I was not even informed that the contract was voided XX/XX/2020 and while checking on the docusign that that Lennar will keep my {$15000.00} deposit. 

I was so stressed during this process and on XX/XX/XXXX I had my follow-up appointment with my Family Doctor and ended up having XXXX XXXX XXXX to help me relieve from my stressed so I can still take care of my XXXX ( XXXX ) kids. 

I felt being mislead and defrauded. 

I need help to get my {$15000.00} deposit back.
Consumer complaint received 2018-06-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I've contacted Capital One several times the last 30 days and still not able to get access to my money. I was told I needed to create a access code since my account is blocked and still after several weeks not able to have access to my funds
Consumer complaint received 2016-01-27
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SYNCHRONY FINANCIAL (AL)

I made a {$25.00} purchase on my Belk card in XXXX. In XXXX I sent a check with the bill for that amount. The next bill had a late fee of {$35.00} added. I have called but they keep adding late fees and are now compounding interest. Is this even legal? I would never have used the card if I knew they could do this.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (TX)

There is a company IC System which is reporting a collection previously report to my all three companies. So far They have reported this XX/XX/XXXX, XX/XX/XXXX and again today on XXXX ( XXXX ). I sent a certified letter on XX/XX/XXXX to this company explaining why this should not be reported and a counter offer. I have not heard back from them. When I attempt to visit their website they are asking me for personal information - DOB, SS #, etc and I feel i should able to contact them with the account number on the letter - XXXX amd reference number XXXX, without providing additional information. I bel ; eive the account was sold from collection agency to this one.
Consumer complaint received 2020-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC (GA)

I HAVE DISPUTED THIS DEBT WITH THE CREDIT BUREAUS AND THE ACCOUNT SAYS CLOSED BUT IT IS STILL SHOWING ON MY CREDIT REPORT, THIS ACCOUNT IS NOT MINE I NEED IT TO BE REMOVED FROM MY FILE PLEASE.
Consumer complaint received 2020-07-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Equifax reported derogatory credit to XXXX.. There is no negative information on my account with any credit reporting agency. Equifax refused to get me a supervisor or give me any information about the information that was reported, would not give me a copy of the report that was sent t XXXX. I have been denied a credit card based on their info
Consumer complaint received 2019-05-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Radius Global Solutions LLC (NJ)

On XX/XX/2019, I mailed a certified letter to XXXX/XXXX, and Radius Global for validation of the credit card account stating I owe XXXX  {$2300.00} and XXXX  {$2900.00} they placed on my credit report, which does not belong to me, I never open this account with XXXX/XXXX, Radius and XXXX, its been over 120 days and XXXX ( XXXX  ) only sent was bill statements attempt to show proof, no proof of signature which I requested. Radius Global never replied with the XXXX XXXX  collect account and now XXXX   ( XXXX ) is stating they have assign to Radius Global. I need Radius Global to show proof of both accounts by supply signatures.
Consumer complaint received 2020-05-09
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. (MI)

This letter is to request you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA. For your convenience, I have listed the inaccurate items below : Please delete the following inaccurate items. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX , WI XXXX ( XXXX ) XXXX XXXX XXXX / XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX , IA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX
Consumer complaint received 2021-02-26
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: ALLY FINANCIAL INC. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Ally Financial and XXXX XXXX. The Account Opened is Ally Financial Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$0.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2020-04-09
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Statues for creditcard fraud are resolve within ( 60 days ) two billing periods USAA DOES NOT MAKE TIMELY FRAUD CREDITS. USAA DOES NOT COMPLY WITH THE LAW. see attatched fraud claim date XX/XX/2018 {$470.00}. see attatched statements XXXX XXXX XXXX XX/XX/2018 ( THERE ARE NO {$470.00} USAA CREDITS. )
Consumer complaint received 2024-02-13
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: EQUIFAX, INC. (WA)

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 attached documents and letter for referenced issues from above.
Consumer complaint received 2019-05-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE (VA)

I was a consumer of the XXXX XXXX XXXX. I was issued a check attached to an informal letter with a very generic letterhead. My family and I had concerns about the validity of the check and deep concerns with depositing the check with my financial institution. The check was never deposited or cashed. I wish to have the check reissued in order to claim the redress pursuant to the lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ). Case No. XXXX. 

I attempted to resolve the matter by speaking with the company at the following telephone number : XXXX. This number is different from the number list on the letter. Some research was required to find a valid telephone number. Once a number was located ( XXXX ), I first explained the issue to a young lady that explained that a supervisor will contact me. A follow-up telephone call was not received as promised. I contacted the company again and spoke to a male who identified himself as XXXX. XXXX simply stated that no more checks will be issued or reissued.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC. (TX)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue I have been experiencing with Sofi Banking. After attempting to submit a dispute, Sofi Banking immediately placed a hold on my checking account, stating that it was pending closure and preventing me from accessing my funds. This situation has been ongoing for four months now, and despite numerous phone calls, I have not received any clear answers regarding why my account is pending closure or when I will be able to access my money. 

This situation has caused me significant financial hardship and stress, as I rely on my checking account for everyday expenses. I have complied with all requests for information and have not been provided with any indication of wrongdoing on my part that would warrant the closure of my account. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and assist me in resolving it as soon as possible. I believe that Sofi Banking 's actions are unjustified and that I should be allowed access to my funds without further delay. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX.