davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't 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 XXXX. 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OR)

Nationstar performed on the XX/XX/XXXX an escrow analysis, their analysis was wrong done, it assumed on the XX/XX/XXXX that the escrow balance was at {$1600.00} but that was clearly incorrect, as of the uploaded document will show, there was a payment made on the XX/XX/XXXX with {$1200.00} paid to escrow, making the escrow total at {$2800.00} and not as their XX/XX/XXXX escrow analysis shows. Based on their intentional or not miscalculation it now puts our account on shortage status of {$820.00}. 

Nationstar new analysis has a minimum of {$2400.00} requirement for XXXX, wrongly calculated, when the escrow balance at the time of the analysis was {$2800.00}, and in that scenario a cheque of {$440.00} would have been sent out instead. We believe that this was intentionally not analyzed per well defined rules that regulates loans with escrows so that a cheque would have to have been sent out. 

Provided statements of payments shows a XX/XX/XXXX escrow payment that was left out of the latest analysis and the XX/XX/XXXX mortgage statement correctly shows escrow an amount of {$2800.00} as of XX/XX/XXXX when the supposedly analysis was done.
Consumer complaint received 2017-05-17
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (CA)

I currently have a mortgage that is serviced by  LoanCare LLC ( LC ). They have been servicing my loan for just over 1 year. Since the beginning of the contract, I have always had my monthly payments set up as an auto withdraw from   my bank account on the  XXXX  of every month, as contracted with LC. I have also checked each month to make sure these payments have been made. My   XXXX   XXXX   payment was confirmed via email by LC as being received by them on   XXXX   XXXX   XXXX  . In  XXXX , I noticed that I was charged a late fee for the   XXXX   payment, which then triggered a delinquent mark on my credit report. I had another late fee charged the following month due to an error made when LC tried to remove the  1st one , but instead added a second fee. Both late fees were removed on   XXXX   XXXX   XXXX  . Each time  I  email  LC , they respond with the same automated message. ( see attached ) I first contacted LC on   XXXX   XXXX   XXXX  . I was told that LC will make an inquiry on my behalf and email me a confirmation ticket number for this inquiry. That ticket number never came. I made a follow up call and sent an email in  XXXX  and was told the same thing again, with no ticket number following. On   XXXX   XXXX   XXXX  , I again emailed and called LC and the customer service agent put in the actual inquiry at that time for me because the ticket number never came. In the process of refinancing my home in  XXXX , I was told that the delinquent mark was still showing on my credit report and I was denied loan approval. On   XXXX   XXXX   XXXX  , I emailed LC again requesting the delinquent credit mark be removed. There was no response from LC. After being denied again with another mortgage lender, this lender and I called LC again on   XXXX   XXXX   XXXX   to check the status. We were told that  LC had not received any emails that I previously sent. I asked to talk to a supervisor and when that person came on the line, I was told they would send my request personally " to the appropriate department ''. The matter is still not fixed as of today 's date.
Consumer complaint received 2018-10-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Grant Mercantile Agency (CA)

Grant Mercantile agency reported to credit bureaus a {$2500.00} outstanding invoice without notifying me that they were going to do so. I was completely unaware the amount was owed and was told " we tried to call you in XXXX ( 2018 ) '' ... a full 8 months before reporting to the credit agencies. I also received nothing in the mail allowing me to dispute the charge ... which I do ...

I asked them if I could dispute the charge but they told me that the ambulance company had turned it over to them and there was nothing I could do. ( they claim they did not pay the ambulance company for the account ) The charge was for {$2500.00} for a 10 minute ride that was un-necessary because it was just for XXXX, however, at the time I was told they had to take her. Clearly XXXX just wanted the money because they had already showed up. Had they told me it was going to be {$2500.00} I never would have allowed them to take her ... but my current complaint is with Grant Mercantile who did not allow me to dispute the charge ... only to claim financial hardship. When I paid in full ... due to being told I " had no choice '' they also refused to take it off my credit ... only to report it as " paid in full '' which is unacceptable and unethical given I was not notified in writing about the attempted collection.
Consumer complaint received 2022-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

Citizens Bank is attempting to collect a debt that is not mine. It is for a security system at an address that I do not own, rent. or have any interest. I have lived in my home for 43 years. I have never had dealings with Citizens Bank/ Received notice of collection from XXXX XXXX on XX/XX/XXXX regarding debt to Citizens Bank in the Amount of XXXX. Research revealed that Citizens Bank financed a security system for a home at XXXX XXXX XXXXXXXX XXXX, TX XXXX on XX/XX/XXXX. Citizens bank REF # XXXX A security system was installed by XXXX XXXX, Acct XXXX XXXX I have never lived/ nor rented or had any connection with Citizens Bank, XXXX XXXX or the address at XXXX XXXX XXXX
Consumer complaint received 2022-12-14
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: CarMax, Inc. (AL)

Late Payments on my credit report. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Secion 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-06-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (IL)

XX/XX/2019 my recurring payments were stopped without my knowledge and. A result my credit report now shows a missed payment. Once discovering this I made the payment before the next one was due and continued every payment thereafter on time. Im disputing this late payment and would like it removed from my credit history.
Consumer complaint received 2018-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cooling & Winter LLC (GA)

I was notified by court on XX/XX/XXXX to appear in XXXX XXXX COURT ON XX/XX/XXXX re : Garnishment filed on XX/XX/XXXX against me from Cooling & Winters Attorneys At Law. The judgement was from a creditor from XX/XX/XXXX. In XX/XX/XXXX it was handled by XXXX XXXX XXXX XXXX XXXX. A law firm that was sued her in GA for illegal practice Civil Action No. XXXX. This is basically the same firm with a different name. 
They have not proven I owe them any money/or that they can collect on a debt/hearsay owed. I was under a debit consolidation firm in XX/XX/XXXX which may have been in partnership with XXXX XXXX XXXX XXXX XXXX due to the fact they were also found to be fraudulent. I will be asking for validation of debit a Signatures or proof of contractual obligation to pay them. the are required by law to produce elements such as the original agreement account # & my signature. further more there is not a contract bewteen XXXX XXXX XXXX & myself. I will be going to court again tomorrow to fight this corruption.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XX/XX/2021 I started to receive statements from XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  and XXXX which were not my accounts. Theses were all fraudulent charges made without my knowledge. All creditors have been notified
Consumer complaint received 2018-10-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF THE WEST (CA)

In XX/XX/2018 I applied for a HELOC loan through Bank of the West in XXXX, CA. 
I signed the final paperwork on XX/XX/2018 for the sum of {$100000.00}. 
On XXXX I received a phone call from the bank saying I had forgotten to sign a document. I thought that strange since I signed everything presented to me. I went down to the branch and spoke with Bank Manager XXXX and she asked me if I wanted to put the money in my checking account. I said sure that would be alright. She gave me a from to sign to ok this. I received my statements showing money in checking and HELOC account. However there were interest charges deducted from my checking account for {$390.00} XX/XX/XXXX-XX/XX/XXXX and {$450.00}. I went to the branch and spoke with XXXX that this was an error as I had not taken a draw on any money. She said when I signed that form that is considered on the entire {$100000.00}? I said what? Why would I do that when I had checks sent to be to use on the account. Why would anyone choose to pay interest because you asked me to come to the bank and ok putting into checking knowing I would have to pay interest. Who would be so stupid do pay interest while it sat in another account? She said well you signed it. I said that form said nothing about being charged interest. This is of course automatically deducted from my checking. 
I said I want that phony interest written off she said no. I did use {$4000.00} withdrawn so I could pay my contractor on XX/XX/XXXX and I realize I owe interest on that. So she said I could write a check for {$96000.00} to put in the HELOC account. I said all you are doing is changing account numbers? This is crazy. But wrote out check. 
I asked to speak to her supervisor and she said there was no one above her. I located district manager in XXXX XXXX XXXX and she said I signed the form so I have to pay. Went to my CPA he called her as he could not believe they try to get away with this and XXXX said the same to him. They deliberately called me to the bank to sign that form as I had already signed with original documents stating no to scam me on interest. 
I guess they didn't like it just sitting there and me not using it right away to generate interest? That is a lot of money taken from me that I didn't even touch. Help please.
Consumer complaint received 2017-06-27
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. (CA)

I noticed some unusually high number credit inquiries on my credit profile on XX/XX/XXXX. I called all 3 credit bureaus ( XXXX, XXXX, and Equifax ) to ask for them to be removed from my profile because I did n't apply for credit or loans. I also wanted to add an extended fraud alert. I was given the option to add the fraud alert but any unknown inquiries that I wanted to have removed would have to be done by the lenders directly. This was extremely frustrating to me since I had no clue of where these came from. I then contacted the lenders on XX/XX/XXXX and have noticed no change and contacted the bureaus ( XXXX, XXXX, and Equifax ) again on XX/XX/XXXX but to no avail. Also, there are more inquiries as of XX/XX/XXXX on my profile. I will put the extended fraud alert on my account asap.
Consumer complaint received 2021-03-23
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Franklin Credit Management Corporation (KY)

Dear Sir or Madame I would officially like to lodge a complaint with Consumer Financial Protection Bureau against Franklin Credit Management for harassment and excess garnishment of wages from a past predatory concealed balloon mortgage payment. 
On about XXXX, I was coerced into accepting a loan for a condominium ( XXXX L : XXXX XXXX # XXXX XXXX Florida XXXX ). My wife and I knew it would be tough to hold down a home with a 1st and 2nd mortgage totaling {$1900.00} on property with HOA fees of 7XXXX per quarter. ( 100 % financed XXXX We resisted accepting the mortgage thru the seller XXXX XXXX, but like most people the opportunity to own a home is every Americans dream. About the same time the economy was starting to slide and home prices would eventually tank. My wife lost her job at a diabetic supply company, but I was still employed at the county government ( {$1200.00} biweekly ). We carried the mortgage for about 3 years, but eventually fell behind. First to suffer was the HOA fees then eventually the mortgage came crashing in on us. We tried loan mods that were being offered at that time but, the bank on the XXXX on the first loan complied abut eventually we missed another payment so it was cancelled., the second mortgage company Franklin Credit Management ( FCM ) wasnt as forthright with any modifications. 
Facing foreclosure, our next plan was to do execute a short sale. That was arranged and presented to XXXX and FCM. Both balk at he short sale price and he home went o foreclosure. 
Fast forward to XXXX I get served for garnishment of wages for the second mortgage from FCM. {$61000.00}. It took me from that incident back in XXXX to the present to finally get my credit back on track, only to have FCM come after me for that second mortgage loan. When presented with original loan docs during the court remediation. It showed that I signed a balloon payment second mortgage. I swear to XXXX, I would have never signed a balloon payment second mortgage on purpose. I really believe they tricked me. That would be ass-nine!!! I swear to this day there were some hidden objectives then with this2nd mortgage in addition to the coercion that we faced. I think this may have been predatory loan. 
I reached a mediation with via the courts, but they instead got a court ordered garnishment hat is taking more than 25 % of my income on a bi weekly basis How can they go out of business in XXXX filing bankruptcy, then come out of bankruptcy and come after me? For a loan they probably got waved thru bankruptcy. 
Can you CFPB help me with investigating Franklin Credit Management for unfair loan practices that involve coercion, mis-information and mis-leading loan practices? 
I have contacted an attorney to help with wage garnishment. 
Thanks
Consumer complaint received 2018-10-29
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (CA)

I received two collections letters from XXXX XXXX XXXX ( aka U.S. Bank ) on behalf of U.S. Treasury. I promptly wrote to them and provided evidence of identity theft for data services. Instead of addressing the issue, they processed my information as a " inability to pay due to financial hardship '', and mailed me a 5-page financial statement form to complete.
Consumer complaint received 2018-10-29
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/XXXX at XXXX I received a call from Chase offering me interest rate info. I don't bank with Chase and I don't want them calling me offering me anything. It was a robo call so I hung up. The number they called from is XXXX XXXX XXXX
Consumer complaint received 2018-10-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Consumers Inc (VA)

United Consumers, a Collections Agency does not do anything except post allegedly owed debts onto my credit report. Their client never sent us an unpaid bill in XX/XX/XXXX and in fact we never found out that we had a bill that I alledgedly owed for {$87.00} until it first appeared on my XXXX   credit report in XX/XX/XXXX. 

Upong disputing the debt, the collection was removed. 

Then, after being turned down for credit, I sent for a Copy of my XXXX XXXX Credit report again in XX/XX/XXXX and found out that United Consumers was claiming that I owed {$87.00}. Although I did not owe the amount, it was not worth a fight with them, so I paid it off ( see attached -- Proof of my payment in XX/XX/XXXX ) for a " Bad debt '' that I never Received a written notice in the mail or even a phone call about, EVER! 

This year, I found out that my credit score was being harmed again by the the United Consumers, for reporting that I have a collection on file for {$0.00}, and this is harming my credit. 

Please ask United Consumers for proof of attempted collection, and for proof that they have followed the rules by removing a paid debt, that we actually did not even owe to their client. 
They have received 3 or more correspondences form us in the past year, in XX/XX/XXXX and XX/XX/XXXX and they never respond. ( See all attached )
Consumer complaint received 2022-09-30
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: PNC Bank N.A. (NY)

Hello, my name is XXXX XXXX, and I need your help in contacting this company. I tried to contact them to find out why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. I do not authorize anyone to use my name, date of birth, or any other information as it violates Data Privacy. They need to identify out who opened the account in my name and simply transfer the information to that person. Please assist me in resolving this.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

Hi I am submitting this XXXX XXXX this isn't 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 XXXX. 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-26
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (GA)

Hi, I have a few late payments on my Nelnet account and i was XXXX at the time with no way to receive mail or notifcations. 
Even after submitting proof, nelnet still would not remove late payments which is significantly affecting my credit
Consumer complaint received 2022-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (UT)

I consider this a fraudulent transaction I did make a grocery pickup order for {$340.00}. However was unable to pick up these and I cancelled the entire order. I was still charged in full Wells fargo denied my dispute as the pending transaction posted even after cancellation. I never received any product for this charge.