davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CT)

I have been trying for three weeks to contact my mortgage company about paying off my loan. After over 25 calls and promises to assist me by the company I have heard absolutely nothing from them. I set up an account with the information on my monthly mortgage statement and upon signing in to conduct my business it said it does not recognize my information. Every time I cal them ... the system hangs up on me ... You can not reach the company itself but third-party phone intermediaries which no nothing and do nothing. It seems you would like me to pay my mortgage for ever to continue paying the interest rate on this when all I wish to do is pay my loan off in full. Please help!
Consumer complaint received 2016-07-12
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Remit Corporation (PA)

On XXXX/XXXX/16 my account at XXXX XXXX was drained to {$0.00} and below with bank fees. I contacted XXXX XXXX and they explained that there was a court order for the funds in my bank account. Prior to XXXX/XXXX/2016 I had no phone, mail or email contact that there was a collection in progress or that I owed money from any collection agency or XXXX XXXX. The bank told me to contact the lawyer info listed under the deduction on my account. The deduction info read, " LEGAL ORDER DEBIT - CONTACT XXXX XXXX XXXX '' I contacted the number of the legal aid listed. The number late turned out to be a collection agency called Remit Corporation. I immediately called number and my call was not returned until the afternoon of XXXX/XXXX/2016. They refused to give me any info into the alleged debt and refused to communicate by email or regular mail so that I could have a hard copy ; only phone. I asked for the court order that gave them the right to take my funds and they gave ; Docket # XXXX. 
I contacted the XXXX County Court and there was no legal action for this docket number. It is my allegation that Attorney XXXX gave my bank a fraudulent docket number so that Remit Corporation could fraudulently remove funds for a debt that I did not owe.
Consumer complaint received 2017-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (NY)

Hi. I returned all the cable XXXX equipment to time XXXX including the box and remote and they said that I did n't. I havnt had cable for about 5 years or so. They then got a collection agency to try to collect it. It 's unfair and I think it must be because the data entered At the store was n't recorded or was wrong.
Consumer complaint received 2024-03-12
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I spoke with capital one and asked if they where willing to help me with a program they have or modify my loan I just started working I offered to pay but they no longer want payments they want the full amount know my situation I explained my situation when I did not have a job they where willing to help left and right even tho I wasnt able to make a payment so I fell behind {$8000.00} so now that I started working I asked them if there willing to take a payment because I want to keep the car. Its the only way I can get to work and take my children Take them to school and doctors appointment we need it and go grocery shopping. Capital told me that they wanted {$30000.00} or give it up will me so they can auction the car and then have to pay the remaining so I told him you guys are willing to help. I have no money on me programs but Im offering to pay so I can get caught up and youre not willing to help.
Consumer complaint received 2017-12-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

On XXXX XXXX, 2017, I contacted NelNet to inquire about the 6-month deferment lapsing and what my options were as I am still unemployed. I knew I qualified for an unemployment deferent [ UE ] and asked about it but was told I should NOT apply for the UE deferment because I was already on an Income Based RePayment [ IBR ] Plan for {$0.00} and the customer service rep. claimed this plan included " payment of all interest on subsidized loans and partial interest on unsubsidized loans '' so why would I want to apply for something worse than what I already have???? 

I asked for proof in writing of this interest payment and was treated to double talk. I asked for clarity on a number of thins some I got some I did not. I was in the end firmly advised against the UE deferment. 

When I finally found the document that showed the terms of my IBR it clearly states my interest is capitalized. Thus my need for a deferment and NelNet 's desire for my loans to accrue interest.
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (TN)

XXXX XXXX denied a credit increase. My credit score is in the good range. they cited 7 reasons denied according to XXXX. Called XXXX and they denied that any of the 7 issues were on my credit report. Tried to call credit dept to correct and they denied to do office and all phone numbers were leading back to department that denied to do correction. Would not give corporate phone number. Ruined my reputation and sent lies in a letter for credit denial.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MI)

On the XXXX Day of XXXX I went to XXXX XXXX XXXX XXXX I was told on my credit report I have numerous alias names, like XXXX XXXX XXXX or XXXX, what kind of nonsense is this. This is not me, nor has the Credit Bureau reached out to me, or proven who this person is. I also was told I have numerous addresses that are incorrect and my job information is incorrect. I have called Experian at # XXXX and XXXX XXXX. 
I have been calling this number for 4 days to no avail. I have never used any of these names in my entire life. I have even found accounts of men posing as me on my credit profile, I found one of them on XXXX, drinking champagne bragging about finessing older women out of their information online. I even wrote countless letters for these items to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX DL # XXXX XXXX XXXX SS # XXXX
Consumer complaint received 2021-02-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

I reached out to XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX for a collection account assigned to Medical Data Systems , Inc. and spoke with XXXX in billing. She stated XXXX needed to research to verify the charges. XXXX took my current address and updated it in the system. I asked her to make a note that this address is my address and should not be associated with the person/record they have on file. They address that they had on file prior to XX/XX/XXXX when I called was not me and is not associated with me in anyway. XXXX also confirmed that they had my social security number. I asked if she had my birthday and she was not able to confirm. I also asked about the general characteristics ( height, size, weight, etc of the person they have on file ), she was not able to disclose that either. XXXX did say that XXXX has a process for verifying if their information is correct and for me to call back in 7-10 business days. 
I called back and spoke with XXXX on XX/XX/XXXX. XXXX advised that they were still investigating and would need until XX/XX/XXXX to complete. I asked how they would be able to determine if their records are correct if they do not receive any additional information from me like my driver 's license, background, etc. She repeated what XXXX previously stated that XXXX has a " way '' to determine if their information is accurate. 
I voiced my frustration with their process and conflicting information I received from one person to the next. I reiterated that I've never been to their hospital and I've never authorized anyone to visit their hospital or any affiliated entity of XXXX and to please update their system and their collection agency ( Medical Data Systems ) ; and to contact the credit reporting agencies including XXXX, XXXX, and XXXX  to delete the inaccurate account off my credit.
Consumer complaint received 2021-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MS)

This is in response to complaint XXXX. 

Midland Credit Management still has failed to VALIDATE that I owe Midland Credit Management a debt!!!! I dont owe Midland Credit Management anything!!!! The original creditor is the only person according to FCRA that can validate a debt pursuant 15 usc 1692g. The documents that were submitted by Midland are fraudulent and only verify that a debt exists but doesnt validate that a debt exists by myself that is owed to Midland Credit Management . Also according to 15 usc 1681b ( 2 ) all transactions between a consumer and person are to be excluded from the consumers credit report! Even if this debt was valid my rights as a consumer are still being violated and pursuant 15 usc 1692k each violation is punishable in the amount of 1,000.00. Furthermore Midland Credit Management is also in violation of 15 U.S. Code 1692j - Furnishing certain deceptive forms a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. You are giving the false impression that you are working with the original creditor which is not the case. The debt has apparently been sold and therefore the original creditor according to you doesnt even own the debt!!!!! You are furnishing false information which violates 15 usc 1692e ; debt parking which is a form of harassment which violates 15 usc 1692d and 1692f. As stated above Midland Credit Management is civilly liable for each violation of my rights as a natural person!!!!!
Consumer complaint received 2017-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MA)

For the 2nd time in 19 months our mortgage payment is going up with no explanation why. Caliber Home Loans Inc. only states " in accordance with federal guidelines ''. In checking with the XXXX Assessor, there have been no changes in the value of the home and have not been notified of a property tax increase. So my wife and I are trying to find out why our mortgage amount has increased twice since we got the home last XX/XX/XXXX? No answers and no one has been forth coming. The principal and interest are fixed. Something seems awry and needs to be corrected. 
When one budgets expenses, the expectations that costs are fixed. With and ever increasing mortgage payment, how is anyone supposed to stay in their home? I expect a swift resolution to this.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (PA)

I am writing to address a concerning issue regarding the reporting of a bankruptcy record associated with my identity. My name is XXXX XXXX XXXX, and I am a subject of the bankruptcy case referenced as " XXXX XXXX XXXX '' ( Case No : XXXX ). This discrepancy in the spelling of my name has led to the inaccurate reporting of the bankruptcy on my credit report. 

On XX/XX/2024, I received a response from LexisNexis regarding a dispute I raised concerning the inaccurate reporting of a bankruptcy record. In your response, LexisNexis verified the bankruptcy record ( Case No : XXXX ) associated with my identity, citing that the bankruptcy was accurately reported based on information obtained from the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 

However, it has come to my attention that the bankruptcy record erroneously spells my name as " XXXX XXXX XXXX. '' I have attached supporting documents, including a copy of the bankruptcy record, where my name is incorrectly spelled, and my official identification documents confirming the correct spelling of my name as " XXXX XXXX XXXX. '' The discrepancy in the spelling of my name is significant and has resulted in the erroneous reporting of the bankruptcy on my credit report. As per the Fair Credit Reporting Act ( FCRA ), accurate reporting of consumer information is paramount, and any discrepancies, such as misspelled names, must be deleted. 

Therefore, I kindly request that LexisNexis takes immediate action to rectify this error by deleting the bankruptcy record associated with the misspelled name " XXXX XXXX XXXX '' ( Case No : XXXX ) from my credit report. This action is necessary to ensure the accuracy and integrity of my credit history. 

XXXX XXXX Enclosures : Copy of Bankruptcy Record ( highlighting misspelled name ) Copy of Official Identification Documents ( confirming correct spelling of name )
Consumer complaint received 2021-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (TX)

I called experian around the XXXX of XXXX and requested no more marketing from Experian. My request was not respected as Experian continues to market to me even after requesting no further marketing. They are marketing credit cards that I don't want or need, and they are marketing credit services and protection from identity theft. Experian should not charge a consumer a single XXXX to keep their information secure. It is extortion to create a record and then make consumers pay to keep it private. It feels like mob Protection money, and should be illegal.

Reguarding continued marketing after a request to cease, that is indeed illegal. Please cease and desist with any further advertising, including but not limited to emails, phone calls, and website offers, and postal advertising. 

This is an official record of the request, any further violation will be concidered harassment. 

Attached is a record of Experian continues attempts at marketing after a request to cease and desist was made. Also the website has me decline " free '' services with every log in ... services that are not really free, as credit card info is collected and used at a later date.
Consumer complaint received 2019-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

Hello CFPB, I was reviewing my bank statements XX/XX/XXXX and found that someone had used my Chase debit card for a charge of {$370.00} at a XX/XX/XXXX in XXXX XXXX, XXXX XXXX on XX/XX/XXXX. I was in XXXX XXXX County at the time of the incident and have an affidavit from work as evidence of my location in the day time and can obtain an affidavit from my night job if need be. 
I have not used my debit card for any in-person purchases in over a month ( as my bank statement will attest to ) and I did not realize my card had been charged until I saw this fraudulent charge on my statement three days after the incident. 
The most ridiculous thing was that the card was in my possession the entire time! How could anyone have used it anyways? 
I called Chase to let them know someone had committed a fraudulent charge on my debit card, used it in XXXX County, and asked that Chase please send me a new card and reimburse me for the incident. They did so on XX/XX/XXXX. 
XXXX XXXX, XXXX my claim was reversed. When I called Chase, they said that since someone used my debit card with the chip and pin number, they recalled the reimbursement and charged my account for the amount I contested! 
I was physically present in XXXX XXXX county that day. I do not know of anyone living in XXXX XXXX, XXXX XXXX, nor have I ever traveled to that neighborhood of XXXX XXXX. I also have XXXX tags on pictures I took that night as to my location and can provide an affidavit from the two jobs I worked that day to prove that in no way could I have been present in XXXX XXXX, XXXX XXXX to spend an absurd amount of money on GAS in a XX/XX/XXXX ( XX/XX/XXXX 's don't provide gas, but that's how the charge shows up on my account! ) I even called chase claims department to determine if I could get the precise XX/XX/XXXX in XXXX XXXX where this transaction occurred and they could not determine such information from their records. All they could give me was a Terminal FIID : XXXX. I have tried to call XX/XX/XXXX customer service with no luck ( could not reach anyone ) and am very frustrated. 
Please understand I can not afford to have around {$400.00} stolen from my account. I have already tried contesting the claim twice. 
If Chase Bank does not have the security measures in place to protect me in such an event or reimburse me when there is fraudulent activity on my account, I will be switching to a different carrier. I hope you can help me as I am the victim of identity theft. 
I was notified by Chase Bank Customer Service that if I was to provide evidence of my geographical location at the time of the incident I would have my case reconsidered, so I did exactly that. I have also filed a police report on this matter. 
Looking forward to hearing from you. Thank you for your time.
Consumer complaint received 2022-09-08
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX. XXXX, XXXX Account # XXXX, XXXX. XXXX, XXXX Account # XXXX and XXXX 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
Consumer complaint received 2021-09-16
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. (MI)

XXXX XXXX has constantly reported inaccurate information, AND obtained my credit reports ( a hard inquiry ) because of an issue last year when they had to buy back a lease. Now, I made a payment on the XXXX day ( I have NEVER BEEN 30 days late ), and because they were processing my payment, they marked it as 30 days. 

This morning I wake up to find that XXXX XXXX has reported me 30 days late TWICE NOW. I have never been 30 days late TWICE. They reported it for XX/XX/2021 that I was 30 days late, and for XX/XX/2021 that I was 30 days late. This has dropped my score over 90 points. I have perfect credit, and XXXX XXXX has destroyed it.
Consumer complaint received 2022-09-08
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. (AL)

I've already spoken to Equifax as well as filed an complaint for each inaccurate inquiry that was wrongfully allowed on my credit report. Here 's the list of the unauthorized inquiries : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
My credit report being updated and accurate is my right as a consumer. Please investigate this matter because my solo efforts have not produced any results.
Consumer complaint received 2019-03-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX I had 2 transactions come through for gas companys. One to XXXX and one to XXXX. This card was not used to purchase gas on that day and there is no way my vehicle can hold {$190.00} of gas in a day. The other issue is that I live in XXXX XXXX and these purchases were made in XXXX XXXX where I do not go nor live. 

I have disputed these and they were denied by American Wxpress Serve. I then escalated these disputes. Over the phone they were extremely unhelpful where I had to call 18 times over a 3 day spread to get these disputes escalated. These are fraud charges where I have proof and I can not get any real assistance with the company.
Consumer complaint received 2019-03-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (TX)

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX Cell Loan number XXXX Dear sir or Mam : I am putting a complaint against my mortgage company who is FREEDOMMORTGAGE, who hold my mortgage payments. I was without a job for almost 2 years and I had few projects in-between and not enough money to pay my mortgage. My family and friends have help me save my house so far. 
I just got a job with XXXX as an XXXX XXXX XXXX. My salary is XXXX a year. I have provided the Freedom Mortgage company with my offer letter and filled all forms for LOSSMIGITATIION. 

They are not willing to put my loan back to normal as I have requested with them. I owe them XXXX dollars and no way I have that in cash to pay them. I want to save my house and I can pay my mortgage now monthly bases. I would like them to accept my offer and proof of job letter and modified my loan back to monthly bases. I will attach a job letter and the forms I sent them. 
They see my house as an asset which has equity built in too the house. They are not accepting my job salary stating that it is a vendor who is paying you and we dont accept that. I dont understand this at all. When I bought my house, I was being paid by an vendor agency at that time so why did they accept my money then and not now that is my question to them. I need someone from your company to discuss this and make an agreement with them to make my mortgage normal ASAP. 









Please help me save my house in anyway you can. 

Thank you XXXX XXXX XXXX