davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (AR)

The federal Stafford loan from XXXX XXXX  in XXXX XXXX in XXXX was approved for XXXX  Discharge on XX/XX/XXXX. The loan was then monitored for 3 years for continued XXXX. I met the 3-year period for XXXX XXXX XXXX XXXX. As of XX/XX/XXXX, the U.S. Department of Education and its loan servicer, Nelnet, noted that the loan was officially discharged and would not be subject to any further monitoring. Nelnet stated by letter that this loan would be reported as DISCHARGED. The loan was officially discharged more than 3 years ago. XXXX refused to note the correct status as discharged. XXXX  changed the status of the loan to PAST DUE with terms. The loan was never past due or late. The correct status is DISCHARGED. All of the other credit reporting agencies have removed the loan from their respective credit reports and they also do not post disconnected phone numbers and other inaccurate information. I am covered under the XXXX  XXXX  XXXX  XXXX  regarding unfair business practices and violations of the Fair Credit Reporting Act.
Consumer complaint received 2017-12-29
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: JPMORGAN CHASE & CO. (MO)

The companies response to my complaint XXXX to cfpb is a complete lie. they claim they could not speak to me however they refused to because I had answered the phone stating that I was recording the call not knowing who was on the other end however they were calling me on a recorded line themselves ... .. The inquiries on my credit file have been on my credit report for 2 years .... 1 in XXXX  of XXXX which is showing as an XXXX inquiry but is actually a chase inquiry on my XXXX report 2 the XXXX on XXXX of XXXX  that is showing as a chase inquiry on my XXXX report. I have at one point requested the removal of these inquiries be expedited they refused to do that. In fact I was not happy with what they called masking the inquiries instead of removing them because I had not applied for this card they said they can only mask them whatever that means.
Consumer complaint received 2021-09-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgence Legal Group, PC (CA)

I received a summons suing me in XXXX California by a debt purchaser XXXX XXXX XXXX for a claimed debt to XXXX Mastercard/XXXX  XXXX  XXXX  XXXX XXXX for {$3900.00}. I never had an account with XXXX Mastercard. I have had no credit cards since my bankruptcy filing in 2012. I only have a debit card. I live in XXXX California, very far from XXXX. 

My identity was stolen in the XXXX hacking incident a couple of years ago and I believe this may be a fraudulent account opened with my stolen information. The summons had no documentation showing I had opened the claimed account the debt purchaser is suing me for. I have not tried to contact the company because I have no information on the company, its address, or the account number I supposedly opened.
Consumer complaint received 2019-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

In XX/XX/2019, my mortgage loan was sold to LoanCare A Service Link Company, from XXXX XXXX XXXX. 

My loan did not include a prepayment penalty, as I would not have agreed to that. ( attached ) My statements from XXXX XXXX XXXX stated " Prepayment Penalty-No '' and did so for the five months they  held my loan. ( attached ) When I received my first statement from LoanCare A Service Link Company, it stated " Prepayment Penalty-Yes ''. I called them on XX/XX/2019 to advise them of the error. I was advised it was probably a keying error and would be corrected within two working days and I would receive a phone call advising me as such. To date, this has not been corrected. I spoke with XXXX XXXX of the XXXX Office. Employee ID # XXXX. 

This is very concerning to me as I did not agree to this and I request this be corrected and done so in writing to me.
Consumer complaint received 2023-01-12
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I SENT A CERTIFIED FTC INDENTITY THEFT AFFIDAVIT WITH SIGNATURE CONFIRMATION WITH PROOF OF MY ID TO EQUIFAX IT WAS RECEIVED ON XX/XX/2021 BY EQUIFAX AND SIGNED FOR BY XXXX XXXX EQUIFAX NEVER RESPONDED OR REMOVED THE ACCOUNTS LISTED BELOW TODAY IS XX/XX/2021 IT IS A VIOLATION TO NOT REMOVE THESE ACCOUNTS OR RESPOND TO MY REQUEST IT HAS BEEN OVER 60 DAYS section XXXX OF THE FCRA states that if this account is the result of identity theft, then it must be removed from my credit report. THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY I HAVE ALSO ATTACHED MY PROOF RECEIPT OF MY PAPER WORK BEING DELIVERED AND SIGNED FOR BY XXXX XXXX OF EQUIFAX REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX
Consumer complaint received 2020-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-28
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. (AL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-09-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (UT)

I am a XXXX person. I had a XXXX XXXX. I have had to take a different job that pays me less than my original job. I have asked Wells Fargo for help in lowering my payments. They continue to refuse to help me even though I am eligible under HAMP rules. They are discriminating against me because I am XXXX. They are breaking ADA laws and are trying to get away with it. They are trying to force a XXXX person out of their home. They would rather see a XXXX person on the street then give them a lower payment that they can afford.
Consumer complaint received 2016-08-21
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP (MN)

I went to the bank the check was draw an off and asked to cash the check. It was Sunday XX/XX/XXXX and the check was dated for XX/XX/XXXX they declined to cash it because of the post date. I understand that banks consider a check good once it is signed and given to the recipients. Also any check cashed on Sunday would be on Mondays business as I understand it. Brcauce I start work before banks open on Monday this created a problem for me to address my needs
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: DISCOVER BANK (TX)

I purchased an item on XX/XX/XXXX on XXXX by a discover credit card. The manufacturer warranty on that item is 2 years and that item is not working on XX/XX/XXXX. It's out of the original warranty, as discover credit card provides extra one year warranty so I filed a claim through discover. And discover customer service successfully created a claim number for me # XXXX. Actually discover customer service forwarded my case to a third-party insurance company called " XXXX, XXXX XXXX XXXX '' to handle my claim. And I uploaded all the required documents to XXXX XXXX   XXXX and submitted couple of additional documents based on the request of XXXX. But it seems like the XXXX claim team keeps giving me hard time and rejects my claim due to incomplete documents or document is not qualified.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

All three credit bureaus, XXXX, Equifax, and XXXX are reporting false and inaccurate information about a public Record Bankruptcy on my credit report. 
Each Bureau does not report The Status, the Date Paid, the amount, or Plaintiff. The Court number is inaccurate. It shows no accounts included in bankruptcy. Some show no discharge date or inaccurate discharge date. 

I sent several letters to clear up this matter with them saying the information is accurate but they Have not provided me who they verified this information with. The courts themselves do not furnish this information to any credit Bureau or any third party agency.
Consumer complaint received 2017-09-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (DC)

There are several 30 day late payments dated reporting to all three credit bureaus as shown on the attached XXXX screenshot. I 've disputed the information several times, but the results keep coming back the same. I 've attached two statements from XX/XX/XXXX to show where my payment in the amount of {$62.00} via ACH were not late and withdrawn every month on the XXXX  as scheduled. Also attached is a payment ledger from XXXX.
Consumer complaint received 2020-11-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery reported on the Credit Bureau 's that I owed a debt to XXXX XXXX. 

They stated that they have purchased this debt. I contacted them by Certified Mail on XX/XX/XXXX and again on XX/XX/XXXX requesting Debt Validation, all documents concerning this account including documentation that was furnished when they purchased the debt, along with dates of payments. 

They did respond but refused to issue and documentation concerning the debt. To my best recollection this debt was paid.
Consumer complaint received 2020-11-04
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: EQUIFAX, INC. (TX)

( XXXX ) XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.
Consumer complaint received 2021-02-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ZWICKER & ASSOCIATES (OR)

XXXX, XX/XX/21, XX/XX/21, XX/XX/21, XXXX company calls from different numbers all rigged to show up as XXXX XXXX on caller IDs. 

During the first call the company XXXX Zwicker and associates ) claimed to be working for XXXX XXXX, and that if I paid my debt it would not be reported to credit agencies as collections. I calledXX/XX/XXXX at this time and was told my debt had already been sold to a third party ( Zwicker ) and that it would/had already been reported to credit agencies. 

This company is putting elaborate efforts to mislead consumers about the state and nature of the debt is owns.
Consumer complaint received 2017-09-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

There are several 30 day late payments dated reporting to all three credit bureaus as shown on the attached TransUnion screenshot. I 've disputed the information several times, but the results keep coming back the same. I 've attached two statements from XX/XX/XXXX and XX/XX/XXXX 2016 to show where my payment in the amount of {$62.00} via ACH were not late and withdrawn every month on the 5th as scheduled. Also attached is a payment ledger from XXXX.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IL)

There is public record on my credit report # XXXX, and it is showing incorrect information and I would like for it to be deleted off my credit report. It is currently only on my Equifax credit report and that 's it. The date filled is listed as XX/XX/XXXX reference # XXXX.
Consumer complaint received 2020-11-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I submitted a complaint to Experian and received a form letter. It is evident Experian didn't read or was to lazy to respond maturely. The complaint was specific but Experian replied back - Unfortunately, at this time, we are unable to process your disputes, as they are not specific. 
Perhaps they just have people that don't know how to respond other than pushing a button to send form reply outlined by others. So as a test, I will submit the complaint again. My complaint and request was - Credit Reporting Agencies have stated that a verbal permission to access a credit report is allowed for a company. May I have the section in the FCRA that allows verbal permission for a company, not a person, to access consumers private credit report? 
Is the CFPB a waste of money?
Consumer complaint received 2021-03-26
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5800.00}, {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$5800.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$2300.00} -This is not my account.
Consumer complaint received 2017-09-15
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. (OH)

XXXX XXXX, 2017 submitted disputes to XXXX XXXX and XXXX - as of today I have not been informed of the investigation results. I have not received an updated credit report, and I have not had anything that was disputed corrected.
Consumer complaint received 2015-12-01
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc. (CA)

This complaint is again Nationwide Bi Weekly Administration, IncThis company debited my bank account for my XXXX House payment and never sent the payment to my lender putting me XXXX house payment behind and owing a late fee. Additionally they debited my bank for my XXXX House payment which is due today, XXXX. My lendor has not received XXXX. The XXXX debits total XXXX I have been unable to reach Nationwide via phone, or email. Have called all XXXX of their phone numbers. Any help in resolving this quickly is most appreciated as I do not have the money to pay my house payments.
Consumer complaint received 2019-11-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CT)

I requested a 5 year amortization. Navy Federal Loan Officer XXXX XXXX refused to let me have a 5 year amortization and insisted I could only have a 15 year amortization. Navy Federal also had a promo he pretended not to know about. I submitted a complaint and requested a different loan officer. Navy Federal equity loan department did not honor my request and did not assign me a new loan officer. For over 2 weeks their dept. has kept it as the original loan officer XXXX XXXX. I called again on XXXX and spoke with a Supervisor in the equity loan dept. named " XXXX  '', number XXXX. XXXX also did not switch me to a loan officer. Instead of complying with my repeated request for a new loan officer to be assigned, he kept talking to me about me submitting paperwork. He continued to argue with me that I should return the loan application paperwork, and continued to not assign me a new loan officer and now I am filing this complaint. 

XXXX XXXX should be fired for trying to deny me the promo, and not signing me up for the promo as the notes on my application stated I wanted. He also tried to bully me into a 15 year amortization instead of 5 year amortization. Navy Federal specifically told me on the phone that I could have a 5 year amortization, and he tried to deny that. XXXX, should also be fired for arguing with me about loan paperwork and trying to convince me to return loan paperwork when he was not complying with my request for a new loan officer to be assigned.
Consumer complaint received 2019-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NV)

Good afternoon, I paid a debt owed from from a XXXX Phone bill on XX/XX/2018, in the amount of {$730.00}, collected from XXXX XXXX, XXXX '. 

I recieved an credit alert tha collections Agency ' I C system ' has placed an account on my credit report for the same XXXX bill that was already paid. 

XXXX sold the debt twice. And reported this debt on my credit report. Illegal.
Consumer complaint received 2016-11-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Timothy C. Runyan, P.C. (MI)

I have just received today my XXXX credit reports, there no report of a XXXX credit card listed ever.that is reason for me telling CFPB, i never had a card, thats why I never in 2 yrs got a verification for this debt.if you ask me, i will send copies to you. I have been jilted by this man, i do n't believe you will let this happen to me.i see now I have reason to take it to the courts.they never told me XX/XX/XXXX, of judgement until XX/XX/XXXX.lies!!!!
Consumer complaint received 2020-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

( XXXX ) XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.
Consumer complaint received 2019-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (VA)

Hello CFPB Staff, I recently received a notice from a debt collection agency claiming to be collecting on an unpaid toll fee for the XXXX XXXX XXXX company. The notice cited that I owed the company - Linebarger Goggan Blair & Sampson LLC - {$80.00}. The notice references the license plate, XXXX, for a car I previously owned ( sold in XX/XX/2019 ). 

I never took an XXXX XXXX XXXX toll in the car referenced and never received any toll notices from the XXXX XXXX XXXX company for that car. I was unable to find any record on the company 's website. I reached out to them and have yet to receive a reply. 

I am concerned that this debt collection attempt is fraudulent because : ( 1 ) I never took an XXXX XXXX XXXX toll with the vehicle referenced, license plate # XXXX, MN. 
( 2 ) I never received any notices from the XXXX XXXX XXXX company about any toll violations for that vehicle. 
( 3 ) There's no record of the toll violation on the XXXX XXXX XXXX company 's website. 
( 4 ) A cursory internet search of the debt collection agency gives me reason to suspect that the debt notice is possibly illegitimate. 

Pertinent Information : Account # : XXXX. 
Clint Code : XXXX. 
Online Payment Number : XXXX. 
License : XXXX, MN. 
Date of Notice Letter : XX/XX/2019. 
Debt Collection Agency : Linebarger Goggan Blair & Sampson, LLP. 
XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX. 
XXXX. 

Thank you.
Consumer complaint received 2021-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

XX/XX/2021 at XXXX I called capitol ones customer service and they told me they would help me out since I've been going through some hardship and they promised me they could pause payments for 1-2 months and it wouldn't affect my credit. But they continued to charge a negative to my credit score impacting it majorly! This upsets me cause I was promised help but in the end I was screwed over.