davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

My ex wife was contacted by XXXX XXXX XXXX with an urgent message for me to call them In regards to a legal matter. When I called them they said I owed {$2200.00} for a loan I got from ACE Cash Express back in XXXX and that I was going to be sued for writing a bad check. Thru tried to get me to settle the matter for {$1300.00}. They had my birthday, SSN and email address. I told them I would call them back after I looked into this. I did not take out this loan. I called them back after doing research on their company and saw that they have had numerous complaints about this issue. I left a message for them to call me back, stating I was going to file a complaint with you. Im not sure how they got my info or my exs number.
Consumer complaint received 2019-05-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

XXXX bought home for XXXX. Taxes doubled from previous home owner. I paid back taxes. I refinanced in end of XXXX. I explained to individual who was performing refinance that my taxes were not right and he assured me they were. My payment for mortgage was at XXXX give air take a few dollars. Now in XXXX of this year I received a notice from caliber home loans that my taxes went up and I had a {$2700.00} escrow shortage and my payments were going to be XXXX now. Thats a {$400.00} difference a month. I explained to them I informed the individual performing the refinance in XXXX that my taxes were wrong and he assured me they were not. Now I have been late the last two payments and as of today late on the 3rd. They are unwilling to help me out in any way. They told me to call the VA about getting the loan modified but when I called the VA they said it is not there decision and to call caliber and have them try to help me. I have tried to get help with this since i got the notice but have been unsuccessful. I am the sole provider for my family and make under XXXX a year right now. I had no issues paying the XXXX a month but going up XXXX a month on a mistake by them I am struggling really bad. I have had to use a credit card to pay for certain things. My credit was up at XXXX XXXX right before the late payments and now it is at XXXX and probably going to drop below that because I will have to pay past 30 days again.
Consumer complaint received 2020-06-30
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 
XXXX XXXX {$250.00} XXXX  XXXX {$830.00} XXXX XXXX   XXXX {$350.00} XXXX XXXX XXXX {$32000.00} CHAPTER XXXX BANKRUPTCYDISCHARGED XXXX
Consumer complaint received 2018-03-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Capstone Credit & Collection, LLC. (NY)

Im writing you to dispute an account fraudently opened in my name without sign any document that prove it. I will report this fraud to every single consumer federal agency to escalated this matter if i need it. XXXX XXXX XXXX is violating every single consumer law and they know it. Im also a victim of identity theft of XXXX, XXXX, state ID and my social security has been compromised. According to federal laws they are required to provid undeniable proof that this account is valid with documents such as court judgments, citations from court etc. Supporting my position. Please reinvestigate this matter to correct the disputed item as soon as possible. A fair resolution to this issue would be a complete deletion of this negative trade mark being reported to all major credit agencies. Thank you for your assistance. 

Date reported : XX/XX/2018 collection charge off, last four account number XXXX, amount {$5900.00}
Consumer complaint received 2016-09-20
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (CA)

XXXX, XXXX charged me {$4500.00} to provide social media to my XXXX. XXXX, XXXX failed to provide any services that were promised. During this period of time I have been unable to get ahold of them to resolve the issue. Frankly I have been completely scammed by this company and want my money refunded.
Consumer complaint received 2020-07-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

I have several medical debts that i am trying to dispute. I was told i had to fill out some paperwork and was not in a clear headspace during these hospital visits, but i had asked several times if i would be liable for these bills and they told me no. They told me to fill out paperwork next thing i know i am checking my credit reports and i have collections that i was not aware i had. I tried disputing online, and i tried calling many times to no avail. And with the COVID many people are out of work, including myself so i am trying to dispute all three medical debts that i was told i didn't have to worry about. I have made dispute calls to XXXX  and XXXX, and will make a call to XXXX  as well right now. I just am having no luck with these companies ( CMRE/XXXX/XXXX XXXX ) Everyone i contacted for customer service through the credit bureaus have been great. 


XXXX XXXX XXXX : XXXX on XXXX XXXX app. 
Customer service for the agency said it was XXXX XXXX XXXX : XXXX XXXX XXXX. XXXX
Consumer complaint received 2018-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (ID)

An account I had went to collections after I moved. After I was made aware it went to collections and was placed on my credit report, I paid the balance in full. The payment was made XX/XX/2017. I have contacted collection agency asking them to report it the all credit bureaus as paid in full. I have sent copies of the cleared check from my bank to all credit bureaus with a letter asking them to update account to paid in full. I have disputed the item with all credit bureaus in excess of 30 times still getting the same response as before. The account is paid in full. They have all necessary documentation showing that it was paid in full. It needs to be updated as such asap.
Consumer complaint received 2020-10-13
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. (FL)

THE ACCOUNTS/INQUIRES LISTED DO NOT BELONG TO ME THESE ACCOUNTS ARE FRAUDULENT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-09-11
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-04-30
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: CITIBANK, N.A. (NY)

Dear Sir/Madam, I've submitted a letter in response to your XX/XX/2020 letter but didn't get any response. So I '' m attaching the letter again here. 

Also, among the two loans you sent over, one under XXXX XXXX, the other under XXXX XXXX, which one did you approve? It seems per the document your sent over, those two are differed by interest rate, XXXX XXXX one is prime rate -0.5 % the other is prime rate +1 %.  Would you please send me promissory notes for both, as you claim both are my loans? 

Thank you very much for your time!
Consumer complaint received 2018-06-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Student Loan Direct (NC)

I saw a shared post on XXXX saying StudentLoanDirect1.com could help with my loan forgiveness and debt consolidation. I was told to contact XXXX XXXX at XXXX. She explained how her businsss works and that they work with the Department of Education ( DOE ). It sounded legitimate. A few days later a friend told me they were scammed from a company just like that. After contacting my loan servicer and the DOE, I quickly learned that the company is a scam. They have my SSN, FSA ID, and credit card number. Even though they gave me a refund and claimed all of my info was purged from their database, I am still worried about my sensitive info. I also changed my FSA ID and notified my bank of the scam.
Consumer complaint received 2020-04-30
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. (GA)

XXXX XXXX is on my credit and its not mine. I requested that they remove it from my credit. I asked them to verify a signature and I did not receive a response from them. It has been removed from other credit reporting agencies. But equifax is still reporting it.
Consumer complaint received 2020-09-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I sent letters out CERTIFIED over 60 days ago and have not been notified as a consumer i feel like these jokers are taken advantage of normal people.
Consumer complaint received 2020-07-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (CA)

XX/XX/XXXX I called for the 3rd time to see if someone would actually be able to help me this time around. My account has been opened since 2018. I am going on 2 years paying this loan in the amount of {$180.00} biweekly. Mind you this loan has a {$12.00} DAILY interest rate. So {$160.00} goes to interest and the remaining {$21.00} goes to my principle. I have made every payment. But now with all of this covid-19 going on my source of income is laying off a lot of people. This is my last week being employed. I called and advised them if there is a way they can work something out with me. I even offered to pay {$1700.00} that's more than half of the loan so it can finally be closed. But no they weren't able to help me with this. After 2 years of paying this loan I am sure I have paid the borrowed amount and a bunch of the interest.
Consumer complaint received 2021-11-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (TX)

I have tried writing Commonwealth Financial several times to Validate this medical bill but no response at all. I know for a fact once a collection agency paid off debt to original creditors their is no debt owed. Please send me a contract where I signed to Commonwealth Financial I have asked for your company to validate this contract nothing hasn't happened.Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX  to have my health records to be release to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you. 
Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe Commonwealth. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt to Commonwealth. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to be reported on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following. 
*Violation of the Fair Debt Collection Practices Act *Defamation of Character I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. My last letter was sent XX/XX/XXXX.
Consumer complaint received 2020-07-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

PLEASE REFER TO THE PREVIOUS COMPLAINT # XXXX, AND RE-OPEN THE COMPLAINT AS THEY HAVE NOT RESOLVED THE ISSUE.
Consumer complaint received 2020-07-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

My name is XXXX XXXX I had been using chase bank account ( jp morgen ) they suddenly close my acnt with knowing me they have sent mail why they close but as per they said I didnt do anything or illegal stuff for it they can find out if I did now almost 3 week I didnt get my money back I had over XXXX $ money I linked this account to my all credit card now I dont have any account so that credit card payment is overdraft now when I called them ( end of XXXX ) they said they gon na send my money within 5-7 business days now already 3 week one of my app ( XXXX XXXX XXXX ) I use to send to money for XXXX XXXX I had to pay them XXXX $ now they give my information to collecting services and credit cards overdraft and I asked whats the reason for close it they said this is chase bank policy but I didnt do any wrong I need big lawsuit because I got hurt lot
Consumer complaint received 2024-05-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MA)

Over the past several months my payment to nelnet is being rejected for no reason. Then fees are added. They have told me its because my account had insufficient funds which was not true, they also told me it was because my routing number was incorrect which is not true, they also told me it was because my bank was declining to process the payment which is not true. I have spoke to the bank several times and the request is never getting to them. I did a bit of research and it seems lots of people are having this issue. This just started a few months ago, I have been paying this loan for years with no issue. I have called nelnet a dozen times with no real answer.
Consumer complaint received 2022-09-12
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: EQUIFAX, INC. (PA)

hello My name XXXX XXXX XXXX i am a XXXX XXXX XXXX young father in the city of XXXX. I noticed somethings on my credit report that i didn't do and i asked the credit bureau todo some research of my report and they responded and said everything was accurate. I have addresses that i never lived at i also have credit card accounts I've never heard off. Can someone please help I'm trying to buy a home and get my kid out this crazy city. Below i will list the accounts XXXX XXXX XXXXXXXX XXXX XXXX cred Acct XXXX XXXX XXXXXXXX XXXX acct # XXXX XXXX acct # XXXX XXXXXXXX XXXX XXXX XXXX acct XXXX XXXX XXXXXXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX In Accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 Section A states I have 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. 

Also here are the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I was in forbearance, on XX/XX/21 HUD/FHA introduced the Advanced Loan Modification. I contacted my loan originator on XX/XX/21 to discuss options since I was eligible from HUD/FHA disclosure on their website of current standings dates in forbearance. The individual that I spoke to did know have any information on the new XXXX and said he would flag my account for review for when my forbearance was expiring. I never received any information from my loan company. I contacted them several times a week asking for an update just to get the same we don't know about it yet. Finally i reached someone in XXXX that said my account was in review that papers would be out and i would need a notary available to sign the paper work and get it back. Paper work shows up, it is a standard loan modification. I contacted the servicer asked what do i do with this papers. They said I had another set in underwriting to disregard this current set. Something just didn't feel right with the phone call so I called and spoke to a supervisor two days prior to these documents from being no good and he told me to get them signed & notarized and back to them before the XXXX mind you this is the XXXX. He said I had another set of papers for the XXXX that he was going to escalate. Contacted company again XXXX spoke with XXXX a manager, she said that I had no papers that were being reviewed for the XXXX. That what I sent in is essentially done. If i was denied the XXXX i would like to know why. If i was not considered the XXXX even though I made every check mark per HUD/FHA guidelines , I want a written explanation. I have all phone calls from XXXX to XXXX recorded with this loan servicing company.
Consumer complaint received 2020-04-30
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

My wife and I both lost our jobs due to Covid19. So we requested a Forbearance only for 60 days under the Federal CARES ACT on XX/XX/XXXX via telephone and I followed up with an email on XX/XX/XXXX. I was told not to worry you are approved by the customer service representative. I received a letter dated XX/XX/XXXX stating were approved by XXXX XXXX and were advised that our next payment would be XX/XX/XXXX. I have since then made my payments to bring my account up to date. However, XXXX financial has reported me 30 days late to the credit bureau. I disputed this with the credit bureaus and I called XXXX on XX/XX/XXXX. They said that I was granted the forbearance after my due dates per the letter they sent me. I told them I was given verbal confirmation on XX/XX/XXXX that I was approved for a forbearance and this letter was sent after the fact as confirmation. The representative said there is nothing he can do. It is the way our computer system works. I am requesting this late mark be removed from my credit report. XXXX XXXX is not following Care Act guidelines during this national emergency.