davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-09
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Enterprise Systems, Inc. (KY)

National Enterprise Systems has left numerous messages on answering machine when not at home harassing telling me to urgently call back that they are trying to help me ; received call in person from them and explained I knew I was not the person they were trying to reach yet he persisted that I was and I needed to talk to him. After repeating to tell him I had no debt he said I did that I had given them the phone number I and said I had not. It was regarding a student loan I said I had no student loans etc that I was XXXX yrs old not the person He said you mean you are XXXX years old etc. I ask to speak to a manager and he discounted me.
Consumer complaint received 2016-10-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (CA)

On XXXX XXXX 2016. Franklin America Mortgage deducted {$220.00} for a payment to Hazard Insurance. However, this had just been paid on XXXX XXXX, 2016. I made the first call to Franklin American on XXXX/XXXX/2016 and was told that a check was sent to my insurance company but the insurance company rejected it several times and they ( FAM ) would adjust my account within a week. I also asked for an insurance bill. 
I called them again on XXXX because the amount was not refunded to my account and was told basically the same story by different reps on calls made XXXX, XXXX, XXXX. 
On XXXX XXXX I decided to stop calling and start getting things in writing from the Franklin American. Below is a summary of the different stories I 'm being told. 
XXXX - FAM response : A check will be mailed to me directly by the insurance company. 
XXXX - My response : When will the payment be mailed to me? What is the name of the insurance company, phone number etc. 
XXXX - FAM response : My insurance XXXX XXXX from the XXXX XXXX XXXX submitted a request to have the premium refunded on XXXX XXXX, 2016. He can be reached at XXXX. 
XXXX Called XXXX to check the status and XXXX said he did n't know anything about this but to provide him an invoice or an account number from the insurance company and he would ask for the refund. 
XXXX - I emailed FAM asking for the refund. 
XXXX - FAM response : According to our records, our insurance department is awaiting the refund to be applied back to our escrow account. 
XXXX - My response - This is not correct. I need a copy of the insurance invoice Franklin American Mortgage received and paid. This seems like fraud. I have asked several times for this invoice and I get a different story every time. 
Another problem is that my loan is being take over by another company as of XXXX and FAM has not corrected this issue. 
Thank you,
Consumer complaint received 2021-08-11
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: Grant & Weber (NC)

XXXX XXXX - XXXX - XXXX This account may be hurting your score Account Details Account Name XXXX XXXX XXXX XXXX Account Opened XXXX Account Status Derogatory Last Payment -- Balance {$6200.00} Limit -- Account Closed XXXX Mon Payment -- Worst Status Unknown XXXX  Individual Account Number XXXX Late Count -- Open Closed 30 60 90 Days Late -- Date Reported XXXX Account Type Installment Account Late Dates Has this on my credit report. They have failed to provide proof of this fraud since XXXX since I noticed it. They are frauding the amounts & dates to fraudulently keep on my credit report to gain funds. I've never been with XXXX. Even as those dates I've always had XXXX  & submitted documents and paid a credit repair to remove it. When I did XXXX changed the dates to recent from a XXXX. Alot of things are blanked out and don't make sense. When investigated they closed account and still showing only report. I called and asked for documents and they failed to provide any. None at all. This is not mine & they know it. I copied & pasted there report above showing what their doing. It's fraud that these businesses adds funds like XXXX and grants & webber whom has not provided documentation either but amounts keep changing and there's no supporting proof of these and are not mine
Consumer complaint received 2016-02-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (MS)

On XXXX XXXX 2016 I received a call stating I owed XXXX to XXXX from afni. I called XXXX they have NO record of me as I have NEVER had XXXX. Now on XXXX XXXX I received a bill from afni and XXXX verified I had no responsibility to this! afni XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX is the address on the notice
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NC)

I paid my debt in full to XXXX. My home loan consultant at XXXX XXXX XXXX XXXX, The XXXX told me to get a letter of deletion from XXXX XXXX and XXXX refuses to mail me one. I would like this debt removed from my credit report.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

XXXX XXXX issued a statement Were here to help, in order to support customers experiencing financial difficulties due to COVID-19. It appeared that they were prepared to work with me in order to provide payment relief without causing late payments to appear on my credit report. They did not honor that statement as my credit report reflects late during the months of XX/XX/2020.
Consumer complaint received 2016-06-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: WELLS FARGO & COMPANY (CA)

XXXX called out of the blue and threatened to sue me for " attempt to defraud '', have me arrested, and have my driver 's license suspended if I did n't give them {$200.00} for a 9-year-old invalid debt immediately. As you can image, I was scared & complied. 

After researching the company ( they do n't even have a permanent address ), I realized I 'd been defrauded. 

XXXX
Consumer complaint received 2015-06-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: JPMORGAN CHASE & CO. (PA)

Was never informed of XXXX loans going into repayment status and was told my representative that issue was going to be resolved. Never was now fighting to get off credit report because loans were transferred to another association.
Consumer complaint received 2023-03-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XXXX I tried to open an account with Bank of America. I the branch person said it was fraud on my account and I have never done anything illegal. I used to work for the bank from XXXX to XXXX. I used to be a Bank of America customer. When I called the number that I was given and select option 2. I was told that I couldnt open an account. I ask why and all they would tell me was it was the banks decision. By law the banks are to make the customer aware of why they cant open an account. I have open other accounts and I have no problem with them. Im sure they all use the same systems to verify a customer information. It does not sit well with me knowing I have not done anything wrong and if I have I would like to know. I want to know how they have my profile flagged?
Consumer complaint received 2023-03-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXX RE : Violations of Federally protected consumer rights In accordance with the Fair Credit Reporting Act. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX. Name : XXXX XXXXXXXX Account : XXXX Date Opened : Balance : {$0.00} INCORRECT DATA REPORTED ON CREDIT REPORT. 
XXXX. NAME XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX INCORRECT DATA REPORTED ON CREDIT REPORT 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C. 1681c ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN 7 YEARS.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

I WILL BE SUBMITTING A COMPLAINT TO : Consumer Financial Protection Bureau and Federal Trade Commission due to failure to comply with Protected Acts : 15 U.S.C. 1681s-2 ( A ) ( 1 ) PLEASE DELETE THESE ACCOUNTS AS SOON AS POSSIBLE
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. Inaccurate Nme : XXXXXXXX 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 2024-02-21
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. (OH)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$160.00} XXXX XXXX XXXX : {$140.00}
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-03-19
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. (NC)

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (SC)

After reviewing my credit reports, I noticed a collection account from PYOD aka Resurgent Capital Services. On XXXX/XXXX/XXXX, I sent a letter to PYOD asking them to validate this debt with my signature and to prove that I was obligated to pay them. They responded back with a letter saying the debt was mine and needed to be paid. I wrote a letter again on XXXX/XXXX/XXXX again asking them to validate this debt. Again, they failed to provide a proof of signature, but continue to claim that I had an obligation to pay them, which I do not. This collection account is still reporting negatively on my credit report as of today, XXXX XXXX, XXXX, and is affecting my ability to obtain credit.
Consumer complaint received 2023-03-19
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Dept Of EdXXXX XXXX XXXX, Dept Of Ed XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Dept Of EdXXXX XXXX XXXX Dept Of EdXXXX XXXX , Dept Of EdXXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section States : no consumer agency may make any consumer report containing any of the following items of information, Any other adverse items of information, other than records of convictions of crimes which antedates the report by seven or more years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish ay information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-09-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CreditNinja Lending, LLC (TX)

For a {$1000.00} payday loan they added a one time loan fee of {$1400.00} If I want to pay loan in full I have to pay the fee They will not accept the principle in full without the added fee which is more than the loan
Consumer complaint received 2020-03-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

Participated in their {$700.00} bonus offer, and did not get it. Deposit {$50000.00} for 60 days, get {$700.00} bonus. Scam offer, closing my account immediately. 

Update : My friends referral {$100.00} bonus never materialized too. Straight out scam. 

Update2 : XX/XX/2020 Filed a complaint in person XX/XX/2020. No communication from Citibank, so I called in on XX/XX/2020 to file it at headquarters. Head Citibank Supervisor " XXXX '' said I will receive {$700.00} in XX/XX/2020. Date came and went, no money. 

Term is " within 90 days '', not " in 90 days ". So money is owed to me. 

Reporting it to the XXXX XXXX XXXX ( XXXX  ), and Customer Financail Protection Bureau ( CFPB ).!!
Consumer complaint received 2024-02-21
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. (CA)

I hope this message finds you well. I am writing to express my dissatisfaction and frustration regarding the late opening of my account with your institution. I initiated the process of opening an account with your organization, expecting a prompt and efficient service. However, to my disappointment, the account was not opened within the agreed-upon timeframe. 

The delay in opening my account has caused several inconveniences for me. I had planned to utilize the services provided by your institution for various financial transactions. Due to the account not being opened on time, I have been unable to carry out these activities as intended, resulting in disruptions to my personal and/or business affairs. 

Moreover, the lack of communication regarding the reasons for the delay only added to my frustration. I understand that unforeseen circumstances may arise, leading to delays in certain processes. However, as a customer, I expect transparency and timely updates regarding any such issues.

I urge you to take immediate action to rectify this situation. I kindly request that my account be opened without any further delays and that measures be implemented to prevent similar occurrences in the future. Additionally, I would appreciate it if you could provide an explanation for the delay and assurance that steps will be taken to improve your service standards. 

Please consider this matter with the urgency it deserves. As a valued customer, I expect nothing less than efficient and reliable service from your institution. I trust that you will address my concerns promptly and take the necessary steps to ensure a satisfactory resolution. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Madison Management Services, LLC (HI)

I have been in foreclosure since XX/XX/XXXX and I have been in and out of court. I am trying my hardest to keep my home. At that time my mortgage was being serviced by XXXX XXXX and the owners were XXXX XXXX. During XX/XX/XXXX my loan was transferred to XXXX then to XXXX, then XXXX XXXX XXXX, to XXXX, and now its at Madison Management Services. I am currently working with XXXX, a HUD approved counseling center. I have applied for a loan modification and each time they say they have not recieved my modification packet. My case worker at XXXX is trying to get in touch with Madison Managment but she is being told she needs to contact XXXX XXXX XXXX but we were told that it was transferred. I dont quite know whats going on. I am not sure if mortgage companies can keep transferring. I also do n't know who owns my loan. I have been submitting my personal information to all these companies and I 'm not sure if I should be. Can someone please call me to advice me.
Consumer complaint received 2020-10-17
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. (MN)

The following credit inquiries listed on my Trans Union credit report are fraudulent, unauthorized, not mine and do not belong to me : XXXX, XX/XX/2020, XXXX XXXX XXXX, XX/XX/2020, and XXXX XXXX XXXX XXXX, XX/XX/2020.
Consumer complaint received 2020-09-10
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: Westlake Services, LLC (VA)

I have been dealing with this issue for sometime. With XXXX, XXXX and Westlake Financial. I told them that all my identities were driver license and Social Security card. I found out it was brother who passed away of drug overdose last year. I have documents from IRS showing Identity Theft Affidvat and showing after they investigated they proved it was Identity Theft. In the letter explain you will see why I didn't reported to police because if you tell on the wrong person in my neighborhood they will XXXX XXXX. 
Also, in XX/XX/2020 I wrote XXXX XXXX XXXX XXXX were they said I fill out the applicant to get a car. I also have attached the letter I mail to them came back return to sender. 
On XX/XX/2020 I sent a certified letter with return receipt to XXXX   and XXXX to inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through physical verification of the original signed consumer contract. Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof and if they are unable to provide me a copy of verifiable proof, these items must be removed that are listed below. ( I have attached the letter I sent to XXXX requiring ) Will XXXX said that the verified it from Westlake Financial but XXXX didn't respond yet. 
1 ) XXXX XXXX ( both items were deleted 2 ) XXXX XXXX : was deleted 3 ) XXXX XXXX : was deleted by XXXX that put back on without proof. XXXX deleted it 2 months ago. 
None of the bureaus, creditors and collections have given me proof of what was ask in the letter attached. So, by law these items should be deleted if no proof was given. 
Also, I am veteran that is XXXX XXXX all my check goes to my children for child support. But Veteran Adminstration trying to get my flat to rent but with that item on my credit report is causing a lot damage. Please help a XXXX veteran.
Consumer complaint received 2023-03-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

XXXX and EQUIFAX are not investigating my disputes. US DEPARTMENT OF EDUCATION accounts on XXXX and 6 unauthorized INQUIRIES on EQUIFAX are not being shown as being DISPUTED