davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-26
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)

I recently pulled my credit and noticed that i had some errors on my credit report. 1. I noticed several student loan accounts and a few negative items on my credit report. I have n't attended school since i graduated from high school. I have n't applied for no credit since I 've been out of high school. I did n't apply for any credit at all. I was taught by my parents that credit debt could haunt you, so never apply for anything.
2. I sent in several certified letters to debt collection agencies and credit bureaus only to receive bogus verified credit report letters, and letters with no signatures, no original copies of documents when account was open. I only have credit report letters.
3. I sent in police report to all credit bureaus and collection agencies notifying them that an incident with fraud had occurred and none of the accounts is mine. I have n't receive and verification letters or documents verifying my signature, any amounts. I am getting sick and tired of suffering for something that is n't mine. I have contacted all of the companies on the phone and through mail. This situation has been going on for almost a year since i found out about the errors and inaccurate information on my credit report. This is not a threat but i would kindly like the companies know that within 15 days i will be filing a civil law suit against them for breaking FCR laws.
4. I filled an FTC 5. I am harassed by all companies by phone, job, email Company : Account # XXXX XXXX XXXX/XXXX All Equifax XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2017-06-26
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. (TX)

1. This intent of this email is to dispute the blatantly inaccurate and/or illegal credit updates that XXXX XXXX XXXX XXXX has conducted. I vehemently contest the assertion ( s ) made by XXXX XXXX XXXX XXXX that this account ( Loan Number : XXXX ) has been delinquent since it was assumed by XXXX XXXX XXXX. As you thoroughly review the information that I provide it will be clear that XXXX XXXX XXXX XXXX is knowingly, purposefully and willfully reporting inaccurate information. 2. Included in this packet is the original assumption documents which show the terms of the assumption. In those documents XXXX XXXX XXXX XXXX XXXX XXXX XXXX agreed to the terms which clearly stated that the account would be considered current so long as kept all payments current as outlined in the assumption documents. Additionally, within this packet you will see there is no agreement or mention of negative credit reporting for this assumption a XXXX XXXX XXXX XXXX has repeatedly informed me there is. When I inquired as to what legal document gives them the right to report an account as delinquent when its not they repeatedly couldnt produce any documentation with my signature agreeing to such egregious terms. 3. XXXX XXXX XXXX XXXX and XXXX XXXX have pulled every dirty trick in the book to foreclose on my mothers home. The only problem is they couldnt due to my mother being allowed to collateralize my bother ( XXXX XXXX ) and my land without out written consent. This is what ultimately led to the assumption with the new terms that are now in force. As an XXXX XXXX XXXX XXXX, Ive worked very hard to establish and maintain good credit but all of that stands to be wiped out if XXXX XXXX XXXX XXXX isnt stopped from posting fraudulent account status to my credit report. 4. In closing, after investigating the background of this company there exist many complaints and pending litigation. If this matter isnt effectively resolved I will lose my XXXX XXXX XXXX XXXX XXXX XXXX which Ive worked over XXXX XXXX building. All of this will be lost because of a company filing false credit updates. I can provide additional proof if required, that this account has never been delinquent since the transfer to XXXX XXXX XXXX. My ultimate goal is to either have the entries corrected and remove the negative information to include the negative implications on my credit history and totally bar this company from reporting information. 5. What actions can XXXX take if my assertions are proven to be true? What type of authority does XXXX have to correct the wrongs of XXXX XXXX XXXX XXXX? 6. My contact information is as follows : Cell Phone ( XXXX ) XXXX and Email : XXXX@XXXX.XXXX
Consumer complaint received 2022-01-05
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: EdFinancial Services (GA)

It is fact that I, the affiant, have tried to resolve this matter on numerous occasions dating back to XX/XX/XXXX with XXXX XXXX XXXX. They have continued to violate my consumer rights using my consumer credit to harass me for a total of {$5900.00} as well as blackmailing me stating they would harm my reputation if I did not comply which is illegal under 15 USC 1691 ( A ) ( 2 ) ( B ), 15 USC 1692J, 15 USC 1602 ( P ), 15 USC 1692B ( 2 ), 18 USC 873, and 15 USC 1692d. I have also asked them to produce the original instrument in which I have signed for this alleged debt and they could not provide it. I was recently informed that they have closed and sold my account to another debt collector, Ed FinanciaXXXX, being in violation of 18 USC 798, 15 USC 1692c, 15 USC 1692D ( 4 ). I have tried to handle this with Ed Financial on the dates of 11/18/21 and 12/13/21. They continue to violate me with their negligent and willful behavior which has not only damaged my reputation with loan balances and late payments, causing not only my credit to be denied, but also made me lose income, caused mental anguish, and XXXX inhibiting my ability to properly take care on my baby
Consumer complaint received 2017-04-06
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Easy Finance, LLC (TX)

I have been having problems paying on time due to going thru a divorce.  XXXX  has been incredibly rude and saying it 's not her problem. Threatening to repo when it is 3 days late. Calling my work repeatedly. Today she has said she will be coming up to my job. I view this as harassment.
Consumer complaint received 2017-06-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (IL)

We fell behind on our payments on our Home Equity Lline of Credit. After several attempts and complaints we were finally modified by our bank. However the modification we signed and our statements are not matching. We modified into a 15 year fixed rate loan with an interest rate of 2.740 %. Beginning balance was to be {$230000.00} which we feel is incorrect and we have sent inquiries on this but to no avail has the bank answered. We feel we were cornered into signing this or we would have lost our house. <P/>We made our 3 trial payments and have been paying monthly since. We are behind a month due to the renter of the property not paying us but the real issue is the way the statements read and issues with the modification itself. Attached is an amoritizattion schedule which was run and the amounts no way match the statements being sent to us. We need to know where every penny went and how it was arrived at. Also we have never received a signed modification by the bank and we signed this modification back in XXXX of 2016. Also this modification was to be recorded. As of today this has not been done. Attached is a copy of a runoff from the County recorder showing no modification recorded.
Consumer complaint received 2017-06-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

Navient/XXXX XXXX is the company. <P/>I 've had issues with misalocated payments every year since 2007 when i graduated. These are with my private loans. At one point XXXX XXXX put my loans on watch for the misalocation and it stopped happening. this took about 4 or 5 years of me calling them every month for them to take care of it. then Navient took over and its started again. Also I will have to call them again by next month about the same issue again. The part of this that make it worse is the ones having the issue are the ones my parents are cosigners. part of the issue is due to part of my loans going on default. but {$1000.00} plus a months in payments i ca n't afford it. i pay about $ XXXX {$270.00} for these loans a month My federal loan i have with them i try to get IBR plan for it but they deny me every time and when i go back to start payments again the total owed each month goes up again. i pay {$55.00}. but when i started paying them back i was paying {$48.00}.
Consumer complaint received 2017-06-26
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: Stellar Recovery, Inc. (IA)

There are more inaccuracies than correct info. XXXX accounts are not even my name. My ex added me to multiple accounts and I 'm having a hard time getting rid of her info on my credit report. Also I 've had medical insurance since before the bill accrued
Consumer complaint received 2017-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

I was going over my credit report and I noticed some public records that are not accurate from  XXXX   XXXX   XXXX  DOCKET #  XXXX  and OHIO  XXXX  COURT  XXXX  DOCKET #  XXXX . At this time I will also inform you that the continue to report invalidated information to any of the  XXXX  major credit bureau s (  XXXX , Experian,   XXXX   XXXX   ), th is action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.   I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
Consumer complaint received 2017-03-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CNG HOLDINGS INC (PA)

Almost every day, I receive calls from Why Not  Lease  It on average of  XXXX  calls a day, every day. I currently have the number blocked so it stops ringing my number. While I do owe a   XXXX   XXXX   XXXX   on this loan, this has gone far beyond harassing. I have counted this many calls  XXXX  in a day 's time for weeks now. I have the phone log records from  XXXX  to show this and back my claim which are included for the days going back to JUST the  XXXX .
Consumer complaint received 2017-02-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: PARKS TITLE COMPANY (MI)

In XXXX 2008 XXXX and XXXX were constantly stopping by my property and sometimes had the XXXX police asking me to move out because XXXX XXXX had purchased the property for XXXX and they presented a covenant deed as evidence and claim that parks title company conducted the transaction. 

I recently were informed by XXXX that they were doing a release of the lien and provided me a case number. I politely left a message for amaze of this and he taken it as a threat and filed in XXXX county court against me case XXXX. In these pleadings and a statement to XXXX police he indicated that he purchase the property legally and he has legal documentation. 

Please provide to the CFPB the legal documentation that XXXX claim he has under your title company at XXXX XXXX XXXX XXXX, michigan XXXX.
Consumer complaint received 2017-06-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (NY)

I received a {$200.00} prepaid U.S. Ba nk Gift card a s a gift. I never even opened the package until I first attempted to use the card in  XXXX  of   XXXX  . The package says the card valid until  XXXX , so I never thought there would be a problem. Upon trying to use the card for the first time, it was denied. My first phone call was to US Bank, they told me the card had been compromised, and they would reissue me a new card. I receive a new card with only {$11.00}. I called back, and they said now I would not have to fill out dispute paperwork for the  XXXX   XXXX   XXXX  unauthorized charge of {$180.00}, which I did submit. Then I receive a letter stating my request was denied due to the fact the suspected charge was older than 120 days. At no time did any customer service agent tell me this would have been an issue. No where on the outside of the package does I say there is a timeframe for disputes, or the fact that the card not protected if not used within so many days. Can you advise me if I have any other recourse?
Consumer complaint received 2017-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (AR)

I am disputing this collection account by Stellar Recovery Inc. and XXXX XXXX because they have been paid in full. I contacted XXXX on XXXX17 and paid the XXXX that was claimed that I owed. I asked XXXX to contact Stellar Recovery and to have them update my account is paid in full and to contact the credit bureaus to have this account removed from collections and update it as paid in full. On XXXX17 I  contacted Stellar Recovery Inc. about this collections account. They verified that XXXX had contacted him, and told them that I had paid the account in full and had a XXXX balance. What I requested from Stellar Recovery was for them to update their information to the credit bureau 's immediately. They only told me that they would notify the credit bureaus they would send out their information at their convenience. I do not trust this company to notify the credit bureau that my account has been paid. As long as Stellar Recovery has this account in collections on my credit report, then it is still viewed as derogatory information. I want sSellar Recovery to update my account is paid in full with a XXXX  balance immediately and not at their convenience. Stellar ' information is listed below. <P/>Stellar Recovery Inc. XXXX XXXX XXXX # XXXX XXXX, MT XXXX XXXX
Consumer complaint received 2017-02-19
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: SUISSE BANCORP (IL)

I just received a summons to appear in court by Suisse Bancorp, they taking me to court on a loan XXXX XXXX, and XXXX XXXX, total is XXXX. Now i get a summons that i owe XXXX, I thought my lawyer use the money on my second accident to pay them, i did n't receive no letter from Suisse Bancorp until yesterday on summons.
Consumer complaint received 2017-06-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: KEYCORP (PA)

My Name is XXXX XXXX address is XXXX XXXX XXXX XXXX pa XXXX phone is XXXX the compiaint is with Key Bank they left me open a checking account i had to pay deposit to open them they sent me XXXX XXXX in the mail after account was open for maybe a week they put a block on my account and they told me they were not going to remove this block i set up this account to make deposits in and out of this account they charged me money to open a checking account also a hassle free account they told me that i am not going to even be able to use my account or My XXXX XXXX they told me that the block is from fraudlent activity but no one has my banking account info so i cant use my accounts at all i spoke to someone higher up from company and they told me the same thing they told me to go to a branch and that is like a little over a hour from were i live but i dont drive so I am very dissappointed in this company right now because i put money into my accounts i would like this issue to be resolved They also game me a phone number to call XXXX they said because of fraudlent activity and i am the only one that has my acconut info i told them that someone else had it because i did not under stand the question they also have both accounts blocked i would like them to remove the block were i can make transfers and deposits the first one was a hassle free account XXXX the second one was XXXX i hope you can resovle this issue were i can you my accounts if not they need to refund my money that i had to pay to open these accounts thank you XXXX XXXX
Consumer complaint received 2017-06-25
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. (IL)

The following creditors and Equifax have been and are reporting inaccurate information on my credit report. I have been damaged and denied credit because of the inaccurate information reported by the following creditors and Equifax. Equifax and the following creditors have been and are reporting my accounts as managed by credit counseling program which is not true. I sent certified mails and provided the evidence ( the termination letter from the credit counseling agency ) to all Equifax and the following creditors which confirms that my accounts were regular accounts and not managed by credit counseling program since XX/XX/XXXX. I waited more than 30 days to have the verifiable proofs from the following creditors or Equifax of their inaccurate information and I didnt receive them from all of them. Since neither the following creditors nor Equifax have any verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following accounts should be deleted immediately. Certified mail tracking number sent to Equifax on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to Equifax on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to Equifax on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX on XX/XX/XXXX : XXXX. The following creditors and accounts should be deleted immediately are : Creditor Name : XXXX XXXX Account Number : # XXXX Creditor Name : XXXX XXXX XXXX XXXX Account Number : # XXXX Creditor Name : XXXX XXXX XXXX Account Number : # XXXX Creditor Name : XXXX XXXX XXXX Account Number : # XXXX
Consumer complaint received 2020-10-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FC HoldCo LLC (MO)

Unfortunately, this past year I have been going through a lot of medical hardships. On XX/XX/2020 I had to have a medical XXXX, which has pretty much up to the day, gotten worse, when we thought the XXXX was going to fix the problems that I've been having. I had to have XXXX XXXX  XXXX on the XXXX of XXXX, and actually after my procedure I've dealt with more problems in my XXXX   and XXXX XXXX XXXX  and not allowing me to work and have continued medical visits and problems. Therefore I haven't been able to satisfy paying my bill. While I do appreciate Flagship working with me as much as they have, the account as of XX/XX/2020 has reached the point of were the communication between Flagship and I have gone sour and the threat of repossession of the vehicle. Unfortunately I found out on XX/XX/2020 that I have now the diagnosis of XXXX XXXX and now have to see an XXXX  XXXX  to discuss further treatment and options. 

While I understand that Flagship does want payment, I feel forced to give them a date, to try and make a payment, when I can't work, because I fear the constant of them talking about repossession of the vehicle. 

I've even had a couple of their representatives state that and in addition I've had one representative state I've been driving thr vehicle for free to my medical appointments.

I called Flagship as soon as I found out my new diagnosis and told them. I would love to be able to work something out, however due to medical problems and being out of work payment isn't an option on the  account, due to the continued nature of my medical problems. I've even offered to fax over paperwork showing my medical problems and they've said that isn't necessary. 

The last conversation I had today XX/XX/2020 with Flagship was without payment it comes down to them getting ready to repossess the vehicle because the account is behind by four months. I unfortunately can't make payment as I've stated to them due to my inability to work.
Consumer complaint received 2017-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (WA)

My Chase Visa was charged {$420.00} via the XXXX Website on XXXX2017. XXXX did some redirect when I hit submit and the charge was increased and made by XXXX. On XXXX I chose a 2 BR, Premium, Beachfront, Beachview, twin beds in the 2nd BR Condo. I have presented evidence to XXXX showing them that I got a 1.5 BR condo with bunkbeds shoved into a tight Alcove. It is a XXXX Condo with no updates and is very definitely not Premium. There were no twin beds and it was a 1/2 mile hike to the beach. <P/>Chase. XXXX XXXX XXXX, XXXX, DE XXXX replies to my dispute with a general statement that I received the product for which I was billed. <P/>There seems to be a deception going on in that the XXXX Website removes itself from the process when you hit submit. When you hit submit you get charged a higher rate and eventually you see the product is not as described by XXXX. <P/>Chase is negligent in not properly investigating this and protecting my purchases from this deceptive fraud.
Consumer complaint received 2017-06-25
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. (MN)

I am a victim of identity theft and have been a victim of identity theft for quite some time. I have a fraudulent and unauthorized collection account and credit inquiries listed on my  XXXX   XXXX ,  XXXX  and Experian credit report that do n't belong to me. The collection account and credit inquiries are all fraudulent and unauthorized. I have been receiving threatening phone calls of death threats for the collection account with   XXXX   XXXX  . The following collection account is fraudulent and unauthorized :   XXXX   XXXX   {$460.00},  XXXX / XXXX / XXXX , the following credit inquiries are fraudulent and unauthorized :   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