davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (NY)

During this pandemic I found myself asking for a forbearance with the mortgage company I had at the time, which was XXXX XXXX. Before the three months was up, XXXX XXXX sold the loan to Gregory Funding LLC. The dates involved are XXXX, XXXX, and XXXX of XXXX. From XX/XX/XXXX up till XXXX of XXXX, I was paying on time. I was not able to pay XX/XX/XXXX, which made me then 4 months total behind. I have since gotten another forbearance from XXXX and have been paying the mortgage every month since then. I have spoken with several people at XXXX and XXXX operator XXXX, who I spoke with today, Friday XX/XX/XXXX. I was asking if they could put the four months on the back of the loan of which she informed me that they are not doing anymore deferments at this time. I have been asking all along if I could have the 4 months put on the end but to no avail. My escrow is very high, and I really need help with this matter. They are also saying the I owe almost XXXX, when I know that there was not supposed to be any interest accrued during the forbearance months. Now my last forbearance is up on the XXXX, of this month, XX/XX/XXXX.
Consumer complaint received 2022-01-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

Today ( XX/XX/2022 ) I received a predatory mailer from the student loan servicer Navient. The mailer encouraged me to refinance my federal student loan, currently in coronavirus related forbearance until XX/XX/2022, with Navient. The mailer incorrectly states that the federal student loan payment pause will end on XX/XX/2022 ; this is months earlier than reality. Its predatory and unethical to mislead consumers about federal protections in order to make money off their existing debt.
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-01-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (FL)

Someone opened a checking account at Chime Bank in my name on XX/XX/22. I started receiving emails stating the account was opened, a debit card was ordered, a visa was ordered, etc. I called Chime on the evening of XX/XX/22 to get help but Chime only had a recording giving an email address. I emailed and told them to close the account immediately. They responded later that night that the account was suspended and then responded XX/XX/22 that in order to permanently close the account I needed to reply to their email with a picture of my license and another picture of me holding my license. No one has called me to talk about this. The email from Chime didnt even have a full name or phone number of someone I could talk to. I did not send the picture of my license because I have no idea who the person is that is asking.
Consumer complaint received 2022-01-28
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. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-06-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Relin, Goldstein & Crane, LLP (NY)

In XXXX my car repossessed and the law office of Relin, Goldstein and Crane took over the loan. I set up a payment plan of XXXX a month and I have never missed a payment as it is directly withdrawn. In XX/XX/XXXX I called to offer a settlement, they said I owed XXXX, I offered XXXX to settle. I was told that they would get back to me and I didn't hear anything from them. I still remained making payments. Then in XXXX of XXXX I called to make another settlement offer and they told me that I owed XXXX. I asked how that could be when the last time I called I owed less and it was showing my balance go down on the credit apps that I have, XXXX and XXXX XXXX  They told me that those apps don't show the correct information. But that still does not make up for the fact that my balance hasn't gone down and I've been making payments.
Consumer complaint received 2022-08-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: World Acceptance Corporation (TX)

Try calling the company but no one could help me or did not know what this was for. All the call I made, i asked to speak to someone but the person on the other line could not help me or find anything under my name. 
number I called was XXXX. 

Please help me trying to clear this from my account. Credit line. 

Thank you, XXXX XXXX
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (CA)

I submitted a dispute Paypal and Paypal Credit regarding a fraudulent and unauthorized transaction on my account. After they " investigated '' I was informed the charge was not unauthorized. I do not know the retailer, do not know what was supposedly sold to me, and never received anything from them. 

I called both PayPal and PayPal Credit to request my account be closed, however, they told me that the account can not be closed because there has been transactions within the last 180 days. 

I have no way to stop this fraud, nor any way to stop future fraudulent activity by closing the account.
Consumer complaint received 2022-06-09
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. (NE)

I'm tired of sending letter after letter to the buro without receiving a single response from them. I have been disputing several negative accounts that are affecting my credit history and they ignore me.
Consumer complaint received 2022-01-28
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. (MN)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-03-16
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (CA)

During the pandemic I fell behind on my rent and the apartments were paid by an agency that was helping people i n need. Even though the eviction moratorium was in order the apartment complex still added extra fees. I lived there for 5 years and had constant problems with mold, roof decaying from water damage, roaches and overall just things breaking or falling apart from the poor work that they had done to the apartment. Once I moved out the apartment was actually in really good condition because I cleaned it very well and they still tried to add on more money on things like repainting a tub, fan etc. I have pics and video of the way that it was left and they definitely went overboard. They also kept my deposit which was the same amount as the rent so in all fairness they should not have put anything on my credit making it hard for me to lease an apartment. I was constantly harrased in a time that they should have not been harrasing me and then to add things that were unfair and keep my deposit. This company is horrible!
Consumer complaint received 2022-01-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Arcadia Holdings, LLC (CA)

I contacted Arcadia recovery burea to inquire about a debt being reported. After providing information several ways, date of birth, social and name no account was found yet its being reported. Call was made on XX/XX/22 at XXXX
Consumer complaint received 2022-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I am under the PSLF loan program. I have been since the programs inception in XXXX. I went back to school on XXXX, so under the old program I was told I would have to start over with payments which I did in XXXX. 

Every year, I am expected to fill out a certification form verifying that I work for a public non-profit agency. I do this every year as I have worked for different public school districts over the years. 

Recently, XXXX XXXX passed a law that previous payments before you went back to school count. But even before this, Fed loan is missing many years of payments even though I faxed in the forms multiple times. There are at least XXXX payments missing even before my XXXX payments would even be considered. 

I have tried calling and having been on hold for over XXXX hours I am told my payments are in process. Then I get an email showing what payments have counted, only to find several school districts missing that I have faxed them forms for. 

As an educator, I don't have time to call and be on hold. I have now faxrd some of these forms XXXX or XXXX times to no response. 

I can send the forms to you that are missing if you request it. It was XXXX districts over a span of 9 years. 

I appreciate your assistance.
Consumer complaint received 2020-01-08
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (MD)

On the back of my lease statement it states that " If your lease agreement was signed in Kansas, Louisiana Maryland or Utah, section '8 Late Payments ', is hereby modified by adding the following language : " The maximum late feel you may be charged is {$20.00}. Any higher amount in your lease agreement is hereby deleted ''. 

I have been trying to get this fixed since XX/XX/XXXX. I have spoken to multiple customer service agents and told that they have sent an email to their accounting to department and have not heard anything back. I spoke to someone on XX/XX/XXXX and they said that their team looked into it and said the fees are valid per the contract. I informed him that per their own billing statement, the language that overrides the contract and that they were not valid. He went to check the back of the statement and confirmed what I said. He said that they will have to " look into it ''. I have been hung up on multiple times and told that until my account is caught up they will not speak with me or do anything regarding the overcharge amount with fees. I have been charged {$32.00} since my XX/XX/XXXX statement to my current statement in XX/XX/XXXX. In this time the overcharge difference totals {$280.00} as of XX/XX/XXXX. 

Hyundai refuses to fix their issue even though have have been made aware of this knowledge and continues to overcharge me late fees. There have been multiple notes made on my account, yet they continue to call and inquire about payment which is understandable when I am behind in payment but to refuse to correct their mistake is unprofessional and against the law. 

I have attached both the first statement where the fee language appears and the most current statement with the same language. All statements in between have a late fee.
Consumer complaint received 2022-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MT)

mr cooper ( nationstar ) on XXXX they paid out of my escrow to my insurance co {$840.00} then on XX/XX/XXXX they took out of escrow {$500.00} for lender paid insurance then on XX/XX/XXXX they took out of escrow {$440.00} for lender paid insurance then on XX/XX/XXXX they took {$440.00} out of escrow for lender paid insurance total {$1300.00} i called then 8 times with no resolution i have always had insurance now my payment went way up they will not refund to my escrow. they stole my money.
Consumer complaint received 2022-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (SC)

On XX/XX/2022, I had a debt consolidation loan completed through XXXX. This was to pay off my two American Express Cards as well as some other debt. The money that was designated for one American Express card went through and was credited to my account. The money for the other card in the amount of {$12000.00} has still not shown up as of XX/XX/2022. I have been in contact with American Express and XXXX multiple times trying to get this resolved, and the money still can not be tracked down. All of the information American Express has asked for, I have supplied per the information XXXX provided to me. I was advised this would be my best route at this point to get this resolved.
Consumer complaint received 2022-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AVANTE (IL)

This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They brought my data from a defaulted note purchased from XXXX XXXX XXXX XXXX XXXX defaulted notes is a violation of UCC 9-110 and UCC 2- 401.They use the Credit Reporting Agency 's to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with AVANTE USA. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( XXXX ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( XXXX ). AVANTE USA can not and will not ever produce a contract between me XXXX XXXX, XXXX and AVANTE USA because that contract does not exist.
Consumer complaint received 2022-08-01
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. (LA)

I have tried to call companies several times to which they have transferred me several times and they finally hang up on me. Here is the list of inquiries : XXXX : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Equifax : XXXX - XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2022-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (CO)

I received a letter from XXXX XXXX, of Viking Billing Service XXXX XXXX XXXX MN dated XX/XX/XXXX stating that a car I rented fromXX/XX/XXXX in XXXX XXXX CA was damaged while in my possession and that I owe {$410.00}. There was no description or evidence of the alleged damage, and in fact, I drove the car only XXXX  miles without incident. It was parked for all but the trip to and from my parents ' farm. When I returned it, no mention was made of any damage. 

I talked to a representative at Viking who said she could send documentation of the damages, but I have not received any such documentation as of this writing. Not that that would somehow change my mind -- no damage occurred to the vehicle while in my possession. I contacted XXXX and they told me they have no record of damaged related to my rental. 

I have mailed a letter to XXXX XXXX using one of CFPB 's templates asking that he provide evidence of damage, and otherwise desist from contacting me. I also filed a complaint about this episode with the Minnesota and North Dakota XXXX.
Consumer complaint received 2022-06-09
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: Affirm Holdings, Inc (FL)

15 U.S.C 1861 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with MY WRITTEN INSTRUCTIONS ( XXXX XXXX XXXX  ) Account Number XXXX at Address ( XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX ) ( XXXX ) XXXX AFFIRM INC XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX Account Number : XXXX Account Number : XXXX Has been reported as pasted due. I do not know this company. I have never done any bussiness with this company. this company does not have a contract with my signature.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MD)

My loan with Wells Fargo was under Covid forbearance for 15 months. After the forbearance period I was approved for a Covid Relief loan modification. Now that the forbearance period has ended Wells Fargo is now reporting that I was late during the forbearance period ( 15 months ) worth of late payments. 
I can loose my job over this inaccurate credit reporting.
Consumer complaint received 2022-06-09
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (AZ)

Freedom mortgage submitted a 12 month payment history to a Lender I was attempting to refinance which showed I 30 days late 5 times in the past XXXX  months. I have spoken to Freedom provided proof the XX/XX/2021 payment cleared my account and was not 30 days past due. I continue to be told it could be due to the bankruptcy.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

I have 5 different unauthorized credit pulls. 
1- XXXX XXXX XXXX XXXX XXXX I can't get anyone in the right department. 
that handles the inquires. I tried several time 2- XXXX XXXX XXXX XXXX I called and they don't know anything about The credit pulls 3- XXXX XXXX XXXX XXXX Every time I called I was placed on hold and. 
Nobody picks the phone up. 
4- XXXX XXXX XXXX No answer from a personal they keep asking For an account number that I don't have. 
5- Equifax mortgage See. XXXX Third party company and there not sure who. 
pulled the report. 

I have also contacted all three credit agency 's and was told to file a complaint here. They wouldn't help me.