davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

A loan we have is serviced by Shellpoint Morgage Servicing. Shellpoint put a loan in forbearance that we never asked to have in forbearance. They cancelled my autopay, and then when the payments were late they reported it to credit bureaus which is now preventing me from getting other loans. I have contacted them dozens of times and they are opaque and unwilling to help. I have all the documentation in the world telling them they made a mistake, pleading with them to help. To this day I can not setup autopay that they cancelled and pay manually every month.
Consumer complaint received 2020-12-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

To Whom It May Concern, I wrote to you requesting an investigation for the accounts listed below and per my return receipt, it was delivered at your address on XX/XX/2020. The reason for the investigation was to advise you of accounts that are showing Inaccurate, Unverifiable and, Incomplete on my credit report you are reporting. 
1.XXXX XXXXXXXX 2.XXXX XXXX As of now, I have not received a reply from you or any acknowledgment that an investigation has begun. However, I did manage to pull my credit report and found that the accounts listed above, have not been investigated. 


I am requesting for you to delete these accounts immediately from my credit file. Since this is my third request. I also understand, under Federal Law, you are required to complete and notify me of your investigation results within 30 days, which I have given an additional 15 days due to COVID, which you have failed to provide me. 
Again, please DELETE these accounts from my credit file, permanently.
Consumer complaint received 2020-12-10
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RFNA, LP (GA)

I previously submitted a request to have this looked into. I requested assistance from CFPB in obtaining loan paperwork with terms and conditions. I indicated that I had previously attempted to resolve it. Republic Finance Still has not provided the loan terms and conditions as promised directly associated with my social security number, loan number.
Consumer complaint received 2023-03-24
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. (SC)

I have taken the necessary steps by filing an FTC report in reference to credit inquiries that are a result of fraud and I have forwarded to all bureaus but Experian refuses to block the inaccuracies and harmful fraudulent accounts from my credit file. In the meantime I am suffering damages due to the inaccurate reporting of fraud.
Consumer complaint received 2020-12-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (PA)

On XXXX XXXX I received an email from support at chime bank indicating that I needed to provide proof of identity and address in regards to my checking account and credit account I have held with them for a year. The balance on XXXX XXXX in my chime checking account was {$73000.00} and in my credit account the balance was {$7500.00}. My account with them was suspended with no prior notice or explanation. I have no access to my money or to any of my funds. I provided the necessary documents immediately and my account is still suspended. I have direct deposit from my employer that was due to be deposited on XXXX XXXX and that deposit was rejected due to the account being suspended. Again without any explanation or further notice. I contacted customer service on XX/XX/2020 and was told that my account would be reinstated immediately after the documents were provided that they needed. I received an email from support at XXXX XXXX on the same day XX/XX/2020 that my documents were received. I still have no access to my account. Upon further investigation I have found numerous complaints from numerous sources that chime bank has done this quite often to many people. This matter has yet to be resolved and my funds are still unavailable. When I try to log into my account it says that my account has been suspended and to contact customer support. I have. Without any results.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Someone who probably has my personal information applied to get credit cards causing so many inquires on my credit report 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 2020-12-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CT)

My name is XXXX XXXX XXXX am writing you in regards to the Mr. Cooper settlement I was told by the Atty Generals Office to contact you Identifying myself as a claimant I Have been dealing with this company regarding the modification forced upon me. They first approved a forbearance where I had to pay half my mortgage for six months which I did all on time I have never ever fallen behind on payments my reason for the forbearance was due to illness. I later learned they could have asked for the difference to keep me on track what they did to me was force me into a 40 year mortgage which during the XXXX Modifications should have lowered my interest which never happen and they also gave me a 40 year loan when I could of paid {$3000.00} to put the account up to date when I tried to get this looked into they only told me to make an additional payments every year to try and catch up. This is not right I just learned about the settlement from the Attorney Generals office my understanding is That the settlement is approximately awarding about {$1500.00} to each borrower that is a disgrace. I have worked till the day I got sick a single mother trying to get by. When diagnosed I received the meds that would get me through at least work part time also preparing for a child entering college the 21 years I have had this home never have I missed a payment they would call and harass if I went into my grace period charging me if I paid it on the last day when I knew I had to pass that date to be late. I don't know if you make any decisions or if I need more explanations but shouldn't they go back and correct the math on the money they have stolen from us the customers and put our accts with a credit if not paid off or do they get away with it I paid {$130000.00} in ten years I do need the exact date to be correct on how long this was. I have suffered cried for months and stressed this for years. Thank you for your attention, XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX
Consumer complaint received 2020-12-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (TN)

I have repeatedly disputed with the company INPT CONSLT OF FL, Their are charges found on my credit report that are fraudulent. The dispute states always comes back as " verified as accurate. I can prove during the time of these charges I didn't live in the state of Florida, and I can prove I was living and working in the state of tn. By court records of XXXX  and irs verification of employment. I do not know who used my social to go to several hospitals in Florida but most of the other accounts have been taken off my credit report. this one is a XXXX $ collection that was opened on XXXX XXXX, 2018 ( 2 yrs, 2 mos ).
Consumer complaint received 2020-12-10
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. (FL)

AFTER CAREFULLY REVIEWING MY CREDIT FILE I CAME ACROSS SOME DEROGATORY ACCOUNTS AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT FILE. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND INQUIRY. THE ACCOUNT AND INQUIRY HAS NO CONNECTION WITH ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I WOULD GREATLY APPRECIATE YOUR ASSISTANCE IN RESOLVING THIS MATTER.
Consumer complaint received 2020-11-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Harley Davidson Financial Services Inc (TN)

In XXXX of XX/XX/XXXX I, XXXX XXXX went into Harley XX/XX/XXXX Located at XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX. I rode up to Harley on a XXXX XXXX with my XXXX, XXXX XXXX. We went to XXXX to look at Motorcycles. My Fiance and I thought about trading in our XXXX XXXX to purchase a XX/XX/XXXX XXXX XXXX. We left that day with the new XXXX XXXX, but boy was it the WORST Decision we ever made. We were both very young and conned into a Loan at a WHOOPING 22.99 % Interest Rate. Fast Forward to the Present Time, we Owe more now than we did when we Purchased the bike in 2017. When we talk about how XX/XX/XXXX we were when we bought the bike, and talk to other consumers, we realized how bad we were misformed and lied to about our interest rate, monthly payment, and the strategies they used to get us financed into buying this motorcycle. Once we realized how XX/XX/XXXXwe were with a XX/XX/XXXX monthly Payment PLUS a 22.99 interest rate all we could do is pay it each month. We have paid Harley Finacial MORE than what the bike is actually worth. We even Offered to pay them XXXX to settle out the loan and explain how we were lied to and conned, They do not care at all. They rather come and repossess the bike rather than working with us during covid and taking the XXXX we offered. We called and called and called, and told them we were lied to on our Contract. The Saleswoman at the time told us that after 30 days we would have been able to REFINANCE the loan through Harley Financial, Which was not true because Harley Finacial does not refinance, We were never sat down to read over the contract we were just told YOU ARE APPROVED, you'll just have to lower the payment in 30 days. We have paid over a three year period a total of almost XX/XX/XXXX THOUSAND in Interest. and STILL, owe XXXX on the bike! When we traded in our XXXX XXXX we were told, that XXXX would be put towards our loan as well. WELL, they lied again and our loan amount on the paperwork was for XXXX. We never agreed on XXXX. Harley Charged out paperwork as a total amount due to Harley was XXXX. We financed XXXX. They XX/XX/XXXXus everywhere they could. 
WELL, when we brought our Contract to a lawyer he informed us that Harley actually added Warranties, and our XXXX was never put towards our principal. We have a month, after month, tried to pay this motorcycle down but CAN NOT because of the interest rate. We are unable to buy a home, and Harley Financial told us this loan is like a home loan, it's an interest loan, The girl on the phone said the loan was similar to a Home loan and we HAD to pay the Full XXXX ( we have XXXX ) They have already made XXXX off us, plus fees, plus stress PLUS the XXXX we offered. We were FRAUDENTLY put into a loan, Have EXTENSIVELY tried to work with Harley Financial and all they have been is RUDE, Arrogant, and told us the only way to help us is to file Bankruptcy. We have also found out this has also happened to other fellow Bike riders. WE NEED HELP
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2023-01-12
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. (CA)

This is my continual endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. Please block these items : 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 2020-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MN)

XXXX : Freedom Mortgage, at XXXX XXXX XXXX, XXXX, SC XXXX Freedom Mortgage is currently my loan servicer on my primary residence. All of my payments to Freedom Mortgage per my monthly agreement have been made on time since inception of the loan. In that agreement they collect monthly money from me in an escrow account to pay my insurance company directly for Hazard/Home insurance. Freedom Mortgage is failing to make payment to my insurance company to cover my primary residence with insurance, which was due on XX/XX/XXXX. In talking to Freedom Mortgage they stated that they could not pay my insurance to the insurance company, XXXX XXXX, because of non-response from XXXX XXXX. They stated to have contacted XXXX XXXX on XX/XX/XXXX and XXXX of XXXX. I have paid my insurance separately XXXX XX/XX/XXXX XXXX, on my own accord, to keep current with insurance. Freedom Mortgage continues to collect escrow money for insurance when I have informed them to not, since they are not paying the insurance company as agreed upon in our mortgage agreement. Their service representatives have given me multiple different explanations that do not match up. On the same day, XX/XX/XXXX, they stated that nothing was paid to XXXX XXXX in the form of insurance payment, and then 10 minutes later with another representative they reported to me that overnight payment was just sent. Freedom Mortgage has not been honest or keeping to the mortgage agreement in their payments or operations regarding insurance payment for my home.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make nor did I authorize any of these changes. I demand that the items be deleted as soon as possible, to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Trade Commission 's Identity Theft Affidavit. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' )
Consumer complaint received 2021-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

-On XX/XX/XXXX I renewed an Initial Fraud Alert on the XXXX website. It expires XX/XX/XXXX. I have been placing these alerts on XXXX since XX/XX/XXXX. I have always assumed that these alerts would be automatically applied by the other two credit agencies, XXXX and Equifax. 
-On XX/XX/XXXX ( today ) I logged into the Equifax website to check an alert they sent me. I have a temporary one year free membership to Equifax because of a data breach at a business where I am a customer. The Equifax site showed that I had no initial fraud alert in place. I called their support number and determined that Equifax had never placed an initial fraud alert on any of my credit reports. The agent applied it manually for me. 
-- The agent said that Equifax had received the notification from XXXX, but that it was an " update '' rather than an " add '', and that Equifax did not act on the notification, leaving me with no protection on their credit report. I told her that they had violated my trust and probably a federal regulation and that I wanted to talk with someone in charge. She refused any further comment and said my only recourse was to file a complaint with CFPB, which is why I'm here now. The agent gave me a case number : XXXX. 
-- I double checked my XX/XX/XXXX XXXX credit report and saw that it contained a Personal Statement that confirmed my initial fraud alert info from XXXX, so it would appear that XXXX had no trouble processing the renewal from XXXX. 
-- I am unable to check a recent Equifax credit report because it always fails when I try to obtain it through XXXX. The other two reports always come through with no problem. 

-In conclusion, I am very fortunate that I happened to be able to get free access to Equifax 's website and see that my credit report there was unprotected. My phone conversation with their agent was valuable in that I was able to confirm that they had mishandled the notification from XXXX, and I was able to get the alert placed on my Equifax report manually. 
-Unfortunately, I'm not confident they will follow the correct procedures in the future. Once my hacking related free Equifax membership expires in a year, I won't have any way to confirm that they are properly applying subsequent initial fraud alerts.
Consumer complaint received 2020-10-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (AK)

I went to a website about loans and somehow it was directed to this one, a couple months later {$1200.00} was in my bank account from them. I thought ok Ill pay it back easily. Now they want 18 payments of {$270.00} a month with an interest rate of 542.96 %. How can this be legal. I called them, they were No help on the phone and every day they are charging me {$20.00}
Consumer complaint received 2017-12-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NAVY FEDERAL CREDIT UNION (SC)

I have already filed a complaint against Navy Federal for the amount of the loan balance they put on my credit report. This complaint is for the how they said they would set up a payment plan with me and instead repossessed my car a week later after I did exactly what they asked and stayed in contact with them. I was not told my car would be repossessed and was under the impression they were going to help me.
Consumer complaint received 2017-12-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Society Business Services, Inc. (AZ)

I am having problems with The XXXX XXXX XXXX XXXX  for a medical dept. They are trying to charge more than I owe. I have disputed this bill with XXXX and that did not help. I finally sent a dispute letter to the collection agency, which they received on XXXX/XXXX/2017 and I uploaded the dispute letter. I also uploaded the only bill they sent me that pertains to the amount they put in XXXX. The amount they have is wrong because they added a different bill to it from a different date. The bill they sent me is on their own letter head, so they could have put any amount in there. 
The smaller bills like the one they added to this one, I may be able to pay if I owe it. In addition, my insurance company got on a three-way call with the collection agency and me, the collection agent told us that the extra charge was probably a charge off fee. 
They never sent me a copy of the original billing statement, they never explained how the extra charge is expressly authorized by the agreement creating the debt, and no details about their authority to collect this debt. Please help, I am trying to straighten out my credit and they do not want to cooperate. 
They wo n't even negotiate with me. I told them that I can afford {$50.00} a month and they will not even accept it.
Consumer complaint received 2023-03-24
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. (MS)

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 Account # 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 2021-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Self Financial Inc. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.