davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MO)

I obtained my credit report and discovered multiple errors. I sent a letter to Experian stating I was disputing a Bankruptcy on my record. The first letter that I sent was on XX/XX/2017 and it was signed for on XX/XX/2017. I received a letter back stating they had " verified '' this using a third party ( XXXX ). I sent a second letter on XX/XX/2017 and it was signed for a few days later stating that I was again requesting the information that they used to " verify '' the bankruptcy. Again, I received a letter saying they verified this information using XXXX, but did not provide any documentation to me as verification. I called Experian and asked to speak to a supervisor in dispute. Again, I was told that the information was verified and I was denied any proof when I requested to have it sent to me. My inquiry to the U. S. Bankruptcy Courts confirmed Experian Credit Bureau has never validated nor verified the public record entries on my credit report, and that they do n't report to the credit bureau. They further more stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. I have given Experian multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated.
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (SC)

I called on XX/XX/XXXX to have a XXXX XXXX credit card removed from my credit that has the First Delinquency date of XX/XX/XXXX. It is due to be removed on XX/XX/XXXX but last month I called in to get a few things removed early so I thought I would call in today to get this last negative off my credit. I was told the date has been changed to XX/XX/XXXX for chargeoff. That is incorrect as my last payment and first delinquency is XX/XX/XXXX. I have a report from Experian dated XX/XX/XXXX that also shows that 's the info the had and at some point changed this without notifying me. I spoke to XXXX and they also stated my last payment was XX/XX/XXXX and it is not on my other XXXX reports. I tried to dispute this with Experian and was told I could n't because it was disputed in XX/XX/XXXX. I have attached the report from Experian from XX/XX/XXXX that clearly shows this.
Consumer complaint received 2017-03-28
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (WV)

I applied for a student loan while I was in school. I paid interest on said loans almost the entire time that I was in school. Now I am unable to paid anything on my student loans due to loss of employment and my spouse is working on getting his XXXX. The loan was made through XXXX which now navient. They have since sent my to collections
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (OK)

On XX/XX/2020 I filed for unemployment insurance with the State of Oklahoma. On XX/XX/2020 I received a letter that my GoProgram card had been mailed and it would take no longer than 7-10 days to receive. On XX/XX/XXXX I began trying to reach Conduent at XXXX. This is the phone number listed on the oesc.ok.gov website as the correct contact for all debit card related issues. On XX/XX/XXXX I called and waited on-hold for 2.5 hours before the call was disconnected. This number is listed as a 24/7 customer service number and the only contact information given for card issues. 
On XX/XX/XXXX I also called the customer service number for the Oklahoma Employment Security Commission. I filed a claim to let them know that I had not received my debit card and that I was unable to get through to the GoProgram contact number. I was told they could not send me a new card or help me and they had no suggestion on how I proceed. 
On XX/XX/XXXX, I called again and waiting on hold for nearly 3 hours before the call disconnected, I called back and sat on hold for another 2 hours and was unable to speak to anyone. 

I also went to the website provide at www.goprogram.com I created an account and attempted to set up direct deposit but was unable to do so with having my card information. I then tried to request a replacement card through the site but got and error message that they are unable to process this request. 

On XX/XX/XXXX I attempted to call again at XXXX hoping that calling during " off-hours '' would help me get through. I again waited on hold for 1.5 hours and was not able to reach anyone.

At this time I am unable to access my unemployment insurance funds and I am unable to get a replacement card. The handling of this process by Conduent is negligent at best.
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MI)

I reported some information to Experian that I felt was misrepresented in my credit filing, specifically past liens for payroll and unemployment that were not for late payments, but rather failure to report, due to the State of MI not processing my address change. They wre immediately released when I supplied documentation and no payment was ever required. I also reported XXXX fraudulent billings on very small medical bills and a couple of errors. Experian made notations, but no corrections and arbitrarily and capriciously LOWERED by score with them from XXXX down to XXXX. My scores with XXXX and XXXX remain at XXXX. I found out only when I lowered XXXX visa card from XXXX to XXXX and put my twins starting college on it, and then attempted to raise my XXXX visa from XXXX to XXXX, as I have to carry that XXXX since I like XXXX. I found out it was Experian data that resulted in the denial and I find their lack of understanding of state liens and their general vindictiveness very troubling.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

Hello, The FTC has a website recommending XXXX credit report companies who are responsible for providing 1 free credit report each year. This government website ( https : //www.consumer.ftc.gov/articles/0155-free-credit-reports ) links you to this website to get the free credit report : annualcreditreport.com. 

When you go to annualcreditreport.com, you can not access your credit report from any of the XXXX agencies due to various " errors. '' So the only way to get one is to pay {$1.00} by navigating directly to the website of one of the XXXX large credit monitoring companies. I recently had to do this. After receiving a PAID credit report from Experian ( for {$1.00} ), Experian without my permission began billing my credit card ( {$21.00} ) for a recurring subscription to a service that I never asked for. 

On behalf of all the consumers who rely on these XXXX big credit companies for fair and free credit reports, especially for those who are n't savvy enough or lucky enough to check their credit card history for fraudulent charges, please prevent Experian and the other large credit agencies from this type of blatant fraud. 

Thank you.
Consumer complaint received 2020-06-21
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Accounts Management, Inc (MN)

First off I was never aware of this debt until it was too late and in collections which I tried to dispute with them, they were extremely disrespectful to me when I was just trying to explain what happened, then I said would be willing to pay money down then monthly installments but that was contingent on them giving me a letter that they wont report it to the credit bureaus if I pay it off, this debt could destroy my credit and it should never of been placed in collections. They refused to provide a letter. Ive also had 3 phone calls at my workplace
Consumer complaint received 2017-02-13
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: The CFM Group (IL)

I was called from an unknown number and was told they were a " Legal processing center, '' and there was concern about a legal case I was involved in. I asked for the name of the legal processing center and they led me to believe it was a governmental organization. The person speaking said his name was  XXXX   XXXX . He gave me a case number and the name of "  CFM   XXXX   XXXX  , ''  with a phone number. I called the phone number,  XXXX  "  XXXX   XXXX  '' answered the phone and was speaking in cryptic language about my " case '' which had a " red flag '' attached to it. I asked if it was an attempt to collect, and he said " collect what sir? '' I said, " Is this a collections call? '' and he said " NO, THIS IS N'T A COLLECTIONS AGENCY. '' I was led to believe there was a legal issue that I had to address because they blatantly lied to me. Knowing tha t collectors are not supposed to implement tactics like this, I did not believe they were collectors and therefore did  not supply them with any information.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CA)

Once again, a potential Lender can not access my Equifax credit report. I have no security freezes in place and want Equifax to permanently resolve this issue. Every few months I have to go through this and Equifax can not give an answer why it continues to happen. I do not need a copy of my report. I just want Lenders to have access to pulling it.
Consumer complaint received 2017-02-18
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: GOLDMAN SACHS BANK USA (NY)

Over the past seven years there have been two foreclosure lawsuits against me for a property that I did not own related to mortgage agreements that were erroneously and fraudulently processed. The first lawsuit by XXXX was dismissed years ago after I spend a great deal of money in legal fees on representation. In XX/XX/2014 I received another lawsuit from XXXX ( the debt then has been sold to MTGLQ Investors L.P. ). I contested this lawsuit again and received notice from the Judge that I am not responsible for the debt. I continue to be harassed for payment of a debt that the Court has said I am not obligated to pay. I do not own the property named in the foreclosure action, I do not live there and I did not have the capacity to enter into a mortgage agreement that was obviously processed in error.
Consumer complaint received 2021-01-19
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. (PA)

I have disputed this account previously requesting that the collection agency provide proof of identity as this account does not belong to me. XXXX has removed the account but XXXX  and equifax has not. 

XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX ALL 3 accounts was disputed and below is the tracking information. 

Please remove as I have no knowledge of these accounts and the creditors has yet to provide proof! 

Equifax tracking XXXX XXXX XXXX XXXX XXXX XXXX tracking XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-05
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ALLY FINANCIAL INC. (DE)

Ally Bank Collections called a distant relative that is elderly and left a very long detailed voice message with detailed information that I did not authorize being divulged. This was done as a phishing expedition and caused XXXX on the elderly individual.
Consumer complaint received 2017-03-03
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (FL)

On or around XX/XX/XXXX, I attempted to withdraw {$60.00} ( {$62.00} with ATM fees ) from a small ATM machine inside of a gas station/convenience store. The ATM machine NEVER dispensed the cash that I requested. I disputed this transaction with PNC Bank N.A . TWO times immediately and my claim was denied TWICE by PNC Bank N.A . on or around XX/XX/XXXX and XX/XX/XXXX. In addition, just recently I reported some checks lost or stolen and placed a stop payment on those checks. As a result, PNC Bank placed a red alert on my account in the event that someone attempted to cash one of my personal PNC Bank checks. Sure enough, on XX/XX/XXXX, XXXX gentleman walked into a PNC Bank N.A . in XXXX, Florida ( XXXX XXXX ) with one of my lost or stolen personal checks from my PNC checking account. The PNC Bank teller did not follow proper bank protocol ( she did not compare the signature on the lost or stolen check to my signature that PNC Bank has on file in their computers ) and cashed this lost or stolen PNC Bank personal check of mine despite me not writing and the hand writing/signature was OBVIOUSLY not even close to my handwriting/signature. In addition, the personal check that was erroneously cashed by PMC Bank seemed to be altered and/or manipulated including the date amongst other things on the check. In addition, the Bank teller ( who carelessly cashed this check ) or Branch Manager XXXX XXXX even call me to verify if I had written this check to this unknown person and they even admitted to me that the Bank made ab. PNC Bank has failed and wronged me on several occasions including this occasion and are failing to reimburse me for the XXXX above transactions that I did not authorize or receive any benefit from. I dispute the {$62.00} ATM transaction on XX/XX/XXXX again and was told that I would receive an immediate credit to my PNC Bank checking account on the next business day but I still have not received a credit. In addition, I disputed the lost or stolen check on XX/XX/XXXX that was forged and cashed without my authorization and was told that I would receive an immediate credit the next business day but that NEVER happened AGAIN.
Consumer complaint received 2017-03-24
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF THE WEST (CA)

I make this check to XXXX and it was made for the amount of XXXX and and they forged and changed the name to : XXXX : and they put a new amount of {$4200.00}. I was reviewing my checking account and I noticed that a big check got paid. I call my bank manager XXXX and told him about what happen with my account and he toll me that he will look in to the matter I went to the bank near my house and toll the manager and they help me fill out a claim and this is the claim number # XXXX. 
that was done in XX/XX/2017 and they have n't contacted me with any information about my money. 
I cant trust this bank with my money
Consumer complaint received 2017-03-07
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (AZ)

I went on Navient site to pay my XX/XX/XXXX payment which had been around $ XXXX month for XXXX. It showed it now at over {$300.00}. I called them and spoke to a customer service agent and they had me fax over a current pay stub with their form. They had set up my payment for the next year thru XX/XX/XXXX to be at {$29.00} month reduced as I said I could not pay that high amount. I told them I would pay more each month if I could on the {$29.00} and on XX/XX/XXXX made a payment of over {$50.00}. I made another payment on their site on XX/XX/XXXX for over {$50.00} also. I went on their site XX/XX/XXXX to pay and it now stated my payment was going to be {$180.00}. I called and the customer service agaent said the person screwed up in XXXX and that they reviewed my account XX/XX/XXXX and that my payment is going to be {$180.00} for 10 months and then will jump to over {$500.00} a month! 
Something going on with Navient!
Consumer complaint received 2022-01-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

My account with XXXX XXXX services was paid in full on XX/XX/2021 and the account was closed, however it is still reporting negatively on my account and greatly affecting my credit score
Consumer complaint received 2017-01-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (CA)

Dovenmule is servicing my home loan. Delinquent escrow account. 
they have failed to pay my impounded taxes by the due date of XXXX XXXX 2016. I received a delinquent tax bill with a late fee. 

what can I do?
Consumer complaint received 2017-02-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (IL)

I filed a chapter XXXX bankruptcy XX/XX/XXXX, after missing 1 mortgage payment. I have made up the missed payment through my chapter XXXX repayment plan. 

Since XX/XX/XXXX, Ditech has kept all loan servicing and accounting information ( including payment history, chapter XXXX trustee payments, principal, interest, and escrow information, including escrow analysis and balance ) hidden from me at Ditech.com. 

Ditech sends monthly " informational statements '' to my home address without ANY loan servicing and accounting information ( including payment history, chapter XXXX trustee payments, principal, interest, late fees, and escrow information ). It is basically a blank statement. 

Ditech has removed reporting of my mortgage loan from all of my credit reports. The loan originated XX/XX/XXXX. 

Ditech has incorrectly calculated my XX/XX/XXXX yearly interest payment on my form XXXX at {$2700.00}. I have no way of correcting this because I can not communicate with them nor can I view my accounting of applied payments with principal and interest. 
Ditech has not applied my previous payment XX/XX/XXXX to my account. 

Ditech 's automated phone system will only transfer me to their " make a payment '' option, which then states that that I owe {$6300.00}. If I try to connect to a Ditech representative, I am automatically transferred to another company : XXXX. 

Ditech has sent letters to my bankruptcy attorney, each time stating a different loan representative name and phone number to call if I have questions or need help. Yet when I call the Ditech phone number provided, I am automatically forwarded to another company, XXXX XXXX XXXX. 

I am unable to speak with anyone at Ditech. I have recently fallen behind on my mortgage and am unable to reach anyone at Ditech for assistance or information on the servicing and calculations of my account. 

I will be filing a complaint with my State 's Attorney 's office ( XXXX XXXX ) as well as following the guidelines of RESPA, and contacting XXXX, who is the loan holder of my mortgage. 
I will also file complaint with the FTC. Ditech, formerly Green Tree, should be found in contempt of court for failure to uphold the STIPULATED ORDER FOR PERMANENT INJUNCTION AND MONETARY JUDGMENT filed on XX/XX/XXXX, with the UNITED STATES DISTRICT COURT, DISTRICT OF MINNESOTA.
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (GA)

I have requested the removal of a Chapter XXXX Bankruptcy on my credit report. The credit bureau indicates that the information was verified and validated. I asked for proof of the information. Proof was not provided and was only advised that it was provided by XXXX XXXX. I disputed the validity of the information after contacting XXXX XXXX and was informed that information was NOT provided to credit bureau. I again requested credit bureau to delete information and have not received response and it has been excess of 60 days.
Consumer complaint received 2017-04-03
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: The CFM Group (ID)

On XX/XX/2017, I was contacted by an individual who told me they were serving me summons papers that I would need to sign for. She then gave me a toll free number to call to find out what the papers were regarding. I then contacted XXXX First Management out of California. They told me that XXXX was filing a civil lawsuit against me in XXXX County, Idaho and that I needed to either pay a settlement of just over {$2100.00} or be sued for over {$6000.00} plus court costs and fees. They threatened to garnish my wages, put a lien on my property, report this to the credit bureaus and require me to spend time in court if I did not settle immediately. I paid the settlement amount with a credit card before looking up consumer debt collection laws because they were threatening me and I was terrified of what a lawsuit could do to my credit and my family and my job. I called the company back and told them I believed what they did was illegal and I would like to cancel the payment to them. They then told me that a " tolling statute, '' allowed them to pause the statute of limitations and therefore, they could sue me and it would be totally legal. I would like to be refunded my payment of {$2100.00} since they collected it from me illegally by threatening to sue me.