davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (SC)

I believe Mr. Cooper ( Nationstar ) is harassing me via ordering excessive and unnecessary " inspections '' in addition to falsely reporting my home to be " abandoned '' to my homeowners insurance provider. They then tack on fees for each " inspection '' so that I have a backlog of unpaid fees I was unaware of. Now they've started adding it to my monthly mortgage payment. They've had my home " inspected '' approximately 20 times in approximately 2 years. Sometimes twice in the same month. This goes against every standard practice I can find online as I'm never behind more than 90 days and it's never more than 30 days between full payment is sent. I believe they falsely reported my home to be " abandoned '' because standard practice is that if the " inspector '' believes the home is abandoned the next step is to do an internal inspection. I have cameras outside my home and I've never seen anyone pull their vehicle into my driveway nor have I seen anyone walk onto my property ( aside from XXXX, XXXX, and USPS making delivery ). It stands to reason that the inspector did not truly believe my home to be abandoned because he/she never did an internal inspection, which is the next step after a drive-by inspection for a presumably abandoned home. Either the inspector doesn't exist and I'm being charged false fees or the inspector exists and is a fraudulent inspector who is getting kickbacks for falsifying reports.
Consumer complaint received 2021-10-29
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. (PA)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

The accounts annual renewal came due. I have not used the card in a year and thought I continued to have a XXXX balance. The past due payment of {$40.00} was due XX/XX/XXXX as of today XX/XX/XXXX Chase closed the account with no phone call to collect the money and no letter. I have been an outstanding and loyal customer with a {$24000.00} credit limit. This is unfair and deceptive.
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC. (TX)

I applied for a checking account due to being offered {$250.00} account opening bonus. It is XX/XX/XXXX and I have not received the bonus that I was supposed to get by the second week of XXXX. I spoke to multiple representatives and have used their chat system and was told Id have a resolution by the XXXX and XXXX of XXXX. I just called right now and they said there is nothing they can do. So I feel this is misleading and bait for consumers to open accounts
Consumer complaint received 2016-12-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc. (CA)

Recently I contacted the XXXX credit bureaus XXXX requesting my annual credit report and I realized that the company name DIVERSIFIED CONSULTANS with address XXXX, FL XXXX. And I realized that this company is trying to collect XXXX dollars in the name of XXXX. Where I did not time authorized XXXX to share my personal information such as my social security, my date of birth and my first name and my last name with any collection company including XXXX. Therefore I need XXXX to erase my information from their records and stop trying to collect the amount of XXXX dollars, since I never signed any contract with them, where I authorized them to have my personal data to satisfy its business. Therefore and others I demand this company remove my data from their files, so that I do not have to see myself in the obligation to take legal action, since in the past I was a victim of identity theft
Consumer complaint received 2015-08-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I graduated from XXXX school in XX/XX/2007, In debt with a student loan to the amount of about {$19000.00} dollars. Jobless and making a little more than the minimum wage and with a car payment and no real future in the XXXX world i decided to go back to school. My loan went into forbearance, after a couple of years of that i started to make payments on my loan that now was at over {$25000.00} dollars I could not afford the {$390.00} payments. So i stop paying after being harassed day and night i came to a payment plan by this time my loan was at {$30000.00}. I made monthly payments for over a year of {$250.00} a month but no matter what my loan does n't seem to be going down the opposite has happened it continue to get bigger. I am at {$33000.00} and have been out of the program to repay it because i do n't qualify for it any longer, but i still cant afford the payments and with a variable rate that is at its highest at 8 %. I cant afford the payments I 've tried to work with them but i do n't qualify for any program and even if i sent any kind of payment my loan seems to be going up because of the high interest rate. The worst part is the school has since I 've graduated now been closed down and does n't even exist and my {$19000.00} loan is now over {$30000.00} and I feel like I am drowning and i have no life vest. i have tried to set up some kind of payment plan but I just cant get to make anything work for me. I attend XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX. On top of that i did n't understand the difference between a Federal loan and a Private loan and now i am stuck with a private loan.
Consumer complaint received 2022-09-12
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. (NC)

I have received a response from Equifax reporting agency stating that unverified information is accurate and will continue to report information after it was updated. According to the FAIR CREDIT REPORTING ACT 15 USC 1681-1681 which is a federal law, all unverified information must be deleted. All third party debt collectors has to show proof that the debt was actually agreed upon, basically having to show an legal agreement and not a copy of an agreement that was with the actual creditor. If unverified information remains on my report without legal proof of agreement from the third party can result to legal action against Equifax for reporting illegal information on my report under federal law. This demand also goes for XXXX and XXXX as well. 
I demand a reinvestigation of unverified accounts under federal law. 
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 2017-08-15
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. (GA)

This does not belong to me. It must be an error. I 've never used XXXX XXXX. XXXX XXXX XXXX Closed : XXXX XXXX, 2017
Consumer complaint received 2016-11-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Neon Newco Corporation (CA)

I am currently using Skylight Financial as a direct deposit/checking account, through my employer XXXX XXXX ''. I need to rent a car why my car is under repairs. I found that Skylight tacks on an additional 15 % of blocked fees when the car rental agency places a hold for the rental. XXXX states very clearly how much they are holding, but skylight adds 15 % and states its a federal law they must abide. I can not find any federal law that requires banks to increase holds on car rental fees. I have made over a dozen attempts to communicate to my bank that I believe this to be a unlawful activity, but they refuse to work with me or correct the behavior. If they are doing this to me, how many other innocent people are going through the same act? This could not possibly be a legal or moral act of a bank to perform harsh '' er '' penalties to a customer just trying to get transportation to work and other crucial commuter needs-its just plain cruel!
Consumer complaint received 2021-10-29
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. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been sending written letters since XX/XX/XXXX with regards to my request of removing the inquiries in question and my last request was sent XXXX XXXXUpon reviewing my updates, incorrect information has been constantly reporting. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXXDate of Inquiry XXXX XXXX, XXXX
Consumer complaint received 2016-07-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Vital Solutions, Inc. (NC)

Vital Recovery Services has called me at least XXXX times. I spoke with a manager who informed me that the calls were in error and they were managed by basically a " robot ''. She promised my number would be removed. My number was not removed so I called again. I spoke with another person who assured me there was an error and that my number " was n't even on their books ''. I 'm still being called daily ( often twice daily ). This is disrupting my life and business since my phone is a critical part of my business as I 'm self employed. 
Vital Recovery Services- XXXX
Consumer complaint received 2022-09-12
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: CBC Companies, Inc. (PA)

My name is XXXX XXXX XXXX XXXX and i am submitting this complaint without any influence from any 3rd party or agency. I am a consumer and reporting ID theft. The inquiries were NEVER authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2016-09-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MVBA, L.L.C. (TX)

I was born XX/XX/XXXX the hospital bills are from XX/XX/XXXX. When I called and told them I was a minor at the time and I could not be held responsible, they told me to write a letter to them disclosing my mother name and address and telephone. I was XXXX years old XX/XX/XXXX. There is no way I could of signed for anything legally at that age.
Consumer complaint received 2021-10-29
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (TN)

Starting in early XXXX CBE Companies started repeatable calling me. I answered and asked they stop calling me- they were asking for a name that was not mine, and they said they would remove the number. They have gotten more aggressive and profane with each call since. On XX/XX/XXXX they called 6 times within a XXXX minute period. They call me a worthless XXXX and tell me to pay my debts- yet they dont even have my legal name or a name that I have used for at least 12 years. I have NEVER received any sort of notification by mail from this company, nor have I had any information on who the alleged creditor is.
Consumer complaint received 2022-09-12
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. (IN)

On XX/XX/2022 I sent Equifax  A letter asking for their method of verification for a bankruptcy reporting my report. I ask for all supporting documents From the Furnishers verifying this information from their investigation and The name of the courthouse and the name of the person from courthouse to verify this information. They didnt send me this information I asked for. I will include the letter they sent me back. Please help me get this information from EQUIFAX.
Consumer complaint received 2022-10-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NV)

I have been using Venmo for awhile now and i have a account hooked up to venmo which allows me to instantly send my money from venmo to my main account. XX/XX/XXXX for some unknown reason which they havent told me why, i was unable to cash out instantly. My option would be as follows ... .1. Venmo it to another person i know on venmo and have them send it to my main account. 2. Opt for regular bank transfer which takes 3-5 days. 3 go to atm and take the money off my venmo account via their debit card. When i called them i had told them i was just at the atm and it wouldnt let me get money out. So i was transfered to someone and she said ok its fixed you can get money from the atm. Well i went again to try and it still wasnt fixed! I called back only to have them tell me they couldnt do anythinf about it, i asked when will i be able to access my money XXXX a supervisor said, " I dont know! '' This is totally unacceptable. They claim they cant see what the reason is for flagging my account and when i call to reaolve it they tell me sorry cant help you, even had a representative ask me why i was trying to get my money out the atm?! What excuse me? Thats none of her business. I want my money out the atm because its MY MONEY WHAT I WANT TO USE IT FOR IS NOT HER BUSINESS!
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

This is a follow up from a previous complaint to insure proper, final resolution. 
Please find enclosed documentation from XXXX XXXX XXXX regarding a long disputed account I 've had with them. This account has been misreported in recent years by them and subsequently the credit bureaus, which has harmed my ability to obtain credit. 
I 'd like to address XXXX issues that should be updated and corrected per the information contained in the BofA letter. Due to my multiple disputes throughout this year, it appears the account has been repeatedly updated to reflect it as charged off but appearing to be something that is newly reported when in fact it was charged off XX/XX/2012. There should be no other charge off information noted to the account other than XX/XX/2012. Additionally, the letter clarifies that there is no balance owed ( this has long been reported with a balance of {$21000.00} ). 
It would appear that because of these continual challenges and " updating '' that the account event status was reported as recent and not when originally occurred ( XX/XX/2012 ). It would appear that this has had a direct impact on my reduced FICO scores since I have no other recent derog credit, my current account balances have been dropping and all of my payments have been made on time. Please research this as well and make any account updates necessary to restore the accuracy of when events with this account took place ( charged off XX/XX/2012 and not recently as well as {$0.00} balance owed ). Thanks
Consumer complaint received 2021-10-29
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. (MS)

Account Name : XXXX Account Number : XXXX Balance : {$100000.00} Dates of late : XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Dates of late : XXXX, XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$20000.00} Dates of late : XX/XX/XXXX, XX/XX/XXXX I do not recall being late in those months. I remember paying this off on time when I received my statements.
Consumer complaint received 2021-10-29
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MN)

XX/XX/XXXX This account was indeed opened by me in XX/XX/XXXX for windows for my home. The line of credit was through Wells Fargo for XXXX XXXX. 

1 ) The account was paid in full by me on XX/XX/XXXX. Wells has not reported the account as paid in full and current. It has been over 30 days since the payoff and well over 30 days since the last update by wells. 

2 ) My credit report shows there is an outstanding balance of XXXX dollars. This reflects poorly on my credit file ; reflects poorly on my creditworthiness, increases my debt to income ratio, and lastly decreases my FICO and overall credit score. This has resulted in my recently being denied credit with several merchants. 

3 ) it shows my monthly payment was XXXX however my monthly payments were only XXXX this has been inaccurate and needs correcting. 

4 ) I keep receiving unwanted emails from wells stating I have an upcoming payment due this needs to stop. 

5 ) I was within the last week denied credit with Wells ; this is discriminatory as I have paid that account with an EXCEPTIONAL PAYMENT HISTORY. see attached.
Consumer complaint received 2015-04-25
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SIMM Associates, Inc. (MI)

Simm Associates, Inc. ( XXXX ) XXXX contacted me regarding a private student loan. My daughter has several private student loans cosigned by other people. I have cosigned for my daughter but am unable to pay the delinquent payment. Simm Associates contacted me at my husband phone number I told them contact me on my cell phone number only. 
When they contacted me on XXXX XXXX, XX/XX/2015 at XXXX, the representative said I owed them {$87000.00} dollars of which I cosigned in my name. This is extremely untrue. 
I am not a cosigner for {$87000.00} I want them to stop calling me and send me emails only. Also, I want to send any funds to XXXX the originator of my loan in which I cosigned for daughter which totals {$16000.00}. I am no able to pay the full amount but would be willing to make a payment that is reasonable due to my financial circumstances.
Consumer complaint received 2015-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

Our XXXX mtg was late in XXXX 2006, because this is over 7 years it should be removed from our credit reports. The XXXX mtg was sold several times. The XXXX account with XXXX is the acct that was late in 2006 and then when it was sold back to them it had a new account number but they are deleting the account. See attached documents
Consumer complaint received 2015-10-27
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: RMB, Inc. (AL)

A man called from a company called RMB - which I am not familiar with - and asked me to verify the last XXXX digits of my social security number. I asked why. He said " it is a personal matter. '' He told me the last XXXX digits of my social and again asked me to verify that those were mine. I again said, " why do you want to know? He said, " it is a personal matter. '' I told him I would not verify, so he hung up. My husband called the number and spoke with someone there who would still not disclose why they called me. Or what the business matter was. I only know they are a debt collector because I looked up the company online. At no point did the caller identify himself as a debt collector and he revealed my personal information without verifying who he was talking to. I am wondering if this company is legit.
Consumer complaint received 2022-09-12
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. (GA)

My identity was stolen me and my family of XXXX will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft.which is a violation of the Fair Credit Reporting Act, 15 USC sections 1681i, which the Credit Bureaus are obligated to finish their investigation within 30 days. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), I need the following accounts corrected now : 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 also my ssn is XXXX bank statement attached drivers license attached
Consumer complaint received 2021-10-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TRANSWORLD SYSTEMS INC (FL)

The debt collection agency TRANSWORLD SYSTEMS has repeatedly threatened me with legal action and even sent a letter to my boyfriends moms house stating they would repossess the property that I do not have. I am not married to my boyfriend nor do his parents personally know me. They gave my full name & even my account number and not only embarrassed my boyfriend but also myself because this collection wasnt anyone elses business but my own.