davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (IA)

On XX/XX/2018 parents received a phone stated that there was a legal matter that needed to be discussed with me. My father took the number down and relayed the information on to me. I called the number. Got sent to a voicemail that didnt even state the businesses name. Did not leave a message a few minutes later I received a call back. I spoke with a XXXX XXXX. She varified the last 4 digits of my social. She was very aggressive, stated I owed {$900.00} on an old credit card debt of mine. Stated that she could offer a one time settlement offer of {$220.00}. I requested a legal notification letter be sent to me via mail ( knowing that legally they have to comply if theyre legitimate ). She argued with me stating that they arent a collection agency they are a mediation company that owns the debt. After a heated discussion and speaking over each other a women by the name of XXXX XXXX got on the phone and said she would email me a letter of debt owed and an agreement I needed to electronically sign and reply to. I received the email a half hour later. This is the first time I found out the companies name as I couldnt understand what they called it before. The number showed up as a XXXX number on my called ID yet the business shows its in XXXX My last name was spelled wrong. It said I owed {$900.00}, but now the settlement had changed to {$320.00}. It all seemed very fishy. I blocked the numbers and reported the email as spam. I also checked my credit report and am working with correct agency to get my old debt resolved. 

The phone number they left and called me on was XXXX.
Consumer complaint received 2015-04-10
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (CA)

So I am applying for a loan and basically was approved for it but now the loan company is telling me that I need to pay off my outstanding credit card debts ( even thou I was approved for the loan already with my XXXX credit score ). I told them how if I received a XXXX form and had to claim it on my taxes. So I called the creditors and they told me that I could not make payments on it anymore because it now has become a " cancellation of debt '' and they are all non collective accounts. The loan company response was if its on my credit report they have to go off that. The Credit card companies are refusing my payments and because of this I am unable to get this loan. How can I resolve this please?
Consumer complaint received 2020-06-23
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 bankruptcy or ( 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 {$2200.00} XXXX {$1200.00} XXXX {$2400.00}
Consumer complaint received 2022-10-06
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-01-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (PA)

I am not past due on my account and the bank ALLY Bank called my neighbors looking for me. When they had a good phone number to call me. I tried to file a complaint and was transferred from XXXX to the US and back from rep to rep and was denied a Mgr. It took over an hour to get to the operation XXXX Division Mgr XXXX, XXXX XXXX XXXX who could not resolve the situation. 

I am worried that they will continue to act unprofessionally and continue to call my neighbors
Consumer complaint received 2020-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, Transition, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.
Consumer complaint received 2021-07-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have called Bank of America twice and reached out to XXXX XXXX XXXX in XXXX, and XX/XX/XXXX to remove the account fraud activity from XXXX XXXX XXXX. I have yet to be able to open a check account. This was not a fraudulent activity, the account was opened and a check was bounced but my paycheck was direct deposited in my account. I also filed bankruptcy and this should have been included. I didn't owe anything to Bank of America they took XXXX dollars from me and closed the account and sent XXXX a fraudulent activity.
Consumer complaint received 2020-06-23
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. (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 XXXX {$2000.00} XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX {$80000.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2021-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

I have worked in XXXX XXXX  since XX/XX/2010 and have been enrolled in income driven repayment plan ever since. I was told throughout the process that had I did not have to submit any paperwork until I reached 10 years of service. Once I submitted by loan forgiveness, they told me had I had 61 one qualifying payments. Not even half over a 10 year span, with the same employer, and same payment plan. The first 3 years are completely missing, then the payment show they were made outside of the payment window. I had automatic withdrawal, verification of payments etc.. I complained to Fed Loan Servicing, who said it would be reviewed. After nothing from them, I submitted a complaint with the ombudsmen, who said sometimes that happens when a new servicer takes over the loan, even if they were made timely. He requested a review. That was months ago. I have since submitted another complaint with My Fed Loans, who again said a review would be completed. Fed Loans will no longer service PSLF as of XXXX, and the rate this is going, no review will be completed either. I am stuck at a job that I can't leave because of someone else 's negligence and can't get any resolution. I have done my part, now it's time for someone to do theirs.
Consumer complaint received 2018-06-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc. (IA)

During the past couple weeks, I have looked online for potential lenders for a mortgage refinance or home equity line of credit. One of the places I looked was XXXX XXXX. XXXX XXXX, without my permission, has sold my information to dozens of lenders, and I am now getting several calls per hour, despite repeated requests to be taken off of all call lists. XXXX XXXX   has been particularly aggressive. One representative refused to honor my request not to be called again, and argued his belief that the purpose of XXXX XXXX is to generate dozens of telemarketing calls per day. 

This is harassment. It has to stop. I request whatever assistance the CFPB is able to offer.
Consumer complaint received 2018-06-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC. (MI)

On XX/XX/XXXX my father XXXX XXXX XXXX opened an acct. with XXXX XXXX for a loan of {$7400.00}. My father passed away on XX/XX/XXXX. I was contacted by XXXX XXXX XXXX in XX/XX/XXXX via being served to appear in court for this debt. I contacted XXXX XXXX and XXXX XXXX   stating this was not my card and they told me my credit was used to obtain the card which i find hard to believe because my credit score has  been below 550 for several years. My info is : XXXX XXXX XXXX XXXX / XXXX Address : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX Ph # XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Professional Bureau, Inc. (IL)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-07-05
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. (TX)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX is reporting to equifax that I still owe their company {$5000.00} on a student loan that was consolidated and transferred to XXXX XXXX. I have tried to fix this error with XXXX  numerious of times. This is a violation of the FCRA federal law. The balance owed should be reporting as a zero balance.
Consumer complaint received 2022-03-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC (MN)

I have been called repeatedly over the course of a week from Direct recovery services LLC. Ive received about 2 voicemails claiming they are looking for a person named XXXX and it said if I wasnt XXXX ( which I am not ) to disregard the message, yet, they continued to harass me and leave back to back phone calls from several different numbers. Ive tried answering once and they hung up without saying a word. And when I block a number, a new one shows up. Ive received about 9 calls since XXXX am this morningits now XXXX pm. I would like to be left alone and will be filing a harassment lawsuit if this continues.
Consumer complaint received 2021-08-07
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)

Please see attachment. This is the response that I received when I requested the Method of Verification for the fraudulent XXXX XXXX XXXX account. XXXX is refusing to validate this debt. They are also updating the XXXX date each month which is also a direct violation of my FCRA consumer rights. I am hereby requesting for this fraudulent account to be removed from my account due to XXXX XXXX inability to validate the account.
Consumer complaint received 2017-11-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (AR)

I pulled my credit and found a collection from XXXX XXXX XXXX, it states that the orignal creditor is XXXX XXXX XXXX. I do n't know who XXXX XXXX is, or the XXXX XXXX is. I have never received paperwork from XXXX XXXX XXXX, and I tired to reach out to them, find out about the debt. They just kept telling me its from the XXXX XXXX, and I need to pay it. I tired to push for more information, so I can put together a validation letter. They wo n't give it to me.
Consumer complaint received 2021-10-04
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)

Hello, I have an account on experian called : XXXX XXXX XXXX which is a collection company that is marking on my credit report as a collection, this is affecting my credit score negatively, I have no knowledge of this account, and when i first made a dispute on this account, I believe experian gave that company my address which now they are sending me spam mail to my residence, telling me that i have to pay them. That is not ok, I want this solved as soon as possible. This is only with experian that is happening, with the other 2 credit bureaus which is XXXX and XXXX, that account does not show up on my credit report, now the only way that i see that this can get fixed, is for experian to stop sharing my information with them and for experian to ask them to verify my Social security to see if it matches there records, without disclosing any of my personal information. Thank you and hopefully this gets resolved soon.
Consumer complaint received 2017-10-03
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. (NC)

I have called Equifax, XXXX, and XXXX several times disputing hard inquiries on my report that I have not authorize. Especially Equifax after the breech, since it states that I could be effected by the breech. They state '' that I need to contact the credit companies to have them removed from my credit report ''. I have called the credit companies that pulled my credit and they state " that the three credit bureau has to do the removing ''. So I have called them back and stayed on the phones for hours for the three bureau 's to tell me it 's nothing they can do. These inquiries are on my report without my knowledge and I want removed for its hindering my credit score from working on purchasing my house next year.
Consumer complaint received 2019-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Onity Group Inc. (FL)

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-03-31
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. (PA)

In accordance with the Fair Credit Reporting act 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 2021-05-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

Nationstar DBA Mr. Cooper has unethical accounting practices to attempt to mislead the courts when a client files a Chapter XXXX bankruptcy repayment. I have been attempting to resolve a matter related to an accounting error in a ledger Mr. Cooper shares with its local attorneys at XXXX XXXX since Fall XXXX. it appears that every three to six months this error in a ledger just continues to pop back at XXXX XXXX to increase fees and attempt to misleading everyone reviewing the finding. I have had to file several complaints with the Consumer Financial Protection Bureau ( CFPB ). Anyone reviewing the complaints will see that Mr .

Cooper has only provided attempts at misleading information to favor them. Just be advised this company knows which states to pull these misleading practices. Review fines paid to the CFPB over the last 10 years, It has been investigated and noted that the accounting system for Mr. Cooper does not accurately account for most bankruptcy repayment cases. See ledgers. 

If compared Mr. Cooper 's attorney could have this matter corrected asap. But it appears that misinformation and additional fees are what both parties want. I have provided receipts dating back to XX/XX/2019. Still, no one at XXXX XXXX or Mr. Cooper is willing to correct this error in accounting. Please compare the realigned ledger with the ledger emailed by XXXX XXXX. You will see that one incorrectly placed line in an excel ledger can cause cascading errors in accounting. 

It is important for all bankruptcy repayment plan clients to review their statements in fine detail for accounting errors and additional charges. 

Attachments : - realigned payment sheet - XXXX reply letter XXXX - XXXX XXXX XXXX ** Please note this response letter was sent to my attorney 's office after I requested the status of correction of errors in the ledger. ** Please review my complaints with CFPB for Mr. Cooper at least two have gone unanswered ( even after 6+ months ) and at least four other attempts to provide misinformation that does not compare with the audio recording of the Mr. Cooper bankruptcy department.
Consumer complaint received 2018-06-07
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. (MA)

I was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( XXXX, XXXX, and experian ), and the original creditors, debt collectors,  collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.
Consumer complaint received 2021-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

By all accounts on all three Credit Reporting companies, my 11 year history has been steady, with an EXCELLENT record of paying on time and reducing credit used as percentage of credit available. Reports were consistently improving and above XXXX " Very Good '' until .... I applied for a competitive mortgage from several lenders. My score and my wife dropped 20 points from Very Good to Good. Therefore reducing my ability to get the best interest rate available. 
These agencies are supposed to report based on credit payment and history, NOT PROJECTION future hypothesis that their algos come up with. I am incensed that they are allowed to hurt my ( and many others ) ability to access credit markets. 
They do not know my Income or Net Worth ( which is substantial ). 
THEY MUST BE REGULATED AND PUT ON NOTICE. HELP FIX THIS!!!! 

I have brought this to the attention of my Congresswoman, and both Senators.
Consumer complaint received 2017-10-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Creditors Bureau Associates (GA)

Creditors Bureau Associates is trying to collect a medical bill on behalf of XXXX XXXX XXXX ( of which I do not recognize ) and have reported it on my credit and should not be there because medical bills are not lines of credit. Opened XXXX XXXX, XXXX ( of which I had insurance through XXXX or XXXX XXXX XXXX, up until XXXX XXXX I believe ) Amount of {$210.00}. I have asked XXXX and the creditor that they please remove this from my credit as IT IS NOT A LINE OF CREDIT. 

XXXX XXXX XXXX XXXX is trying to collect a medical bill on behalf of XXXX XXXX XXXX ( of which I do not recognize ) and have reported it on my credit and should not be there because medical bills are not lines of credit. Opened XXXX XXXX, XXXX. Amount of {$460.00}. I have asked XXXX and the creditor that they please remove this from my credit as IT IS NOT A LINE OF CREDIT. 

I have also requested XXXX to remove several hard inquiries that I do not recognize and/or did not authorize and they have yet to do it.