davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-01
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: ProCollect, Inc. (MS)

On XXXX XXXX. Pro Collect added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I'm no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there is no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this is mine. According to FCRA, Pro Collect has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2017-06-10
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. (TX)

During  XXXX   XXXX ,    2016   XXXX   XXXX  placed an account for which i never applied for. I called and asked for it to be removed. However  XXXX   XXXX  has only removed the inquiry from my  XXXX  report. It is still in both my  XXXX  and Equifax credit reports.   The inquiry : Name :  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry  Date :  XXXX   XXXX ,  2016  Phone: XXXX
Consumer complaint received 2023-01-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (FL)

On XX/XX/XXXX XXXX complaint to CFPB in reference to Selene Finance my Mortgage Servicer, XX/XX/XXXX I complaint again to CFPB, Selene Finance unfair practice. CFPB has all of my complaints that are now closed with the XXXX. I have not been offered a program I can afford to pay Please see my letter to XXXX dated XX/XX/XXXX of all issues, improper handling of my loan modification process. The month I had trouble to pay my mortgage was the month of XX/XX/XXXX, when I asked for assistance my loan monthly payment was {$1700.00}, due to their negligence the amount I owe has escalated to an unreasonable amount. Thank you XXXX XXXX XXXX
Consumer complaint received 2017-06-10
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. (CA)

Regarding case # :  XXXX  The above matter show 's the wanton and willful deception of  XXXX   XXXX   XXXX . They state the following : "  XXXX  advised the borrowe r [  your, truly ] that educational loan debt is not dischargeable through bankruptcy. '' NOT TRUE,  XXXX   XXXX   XXXX  ... .and you know it ...     I would have to open what is known as an adversarial proceeding, and the standard is that I have to prove several things according to the so-called "  XXXX  test '' ( look it up  ).  But, you tell that lie to the poor and minorities ( like myself ), and in so doing you perpetuate a lie that student loans are not dischargeable through bankruptcy proceedings with the intent to give the WRONG impression that they can never be discharged at all. IF IT WERE N'T TRUE, THEN I COULD N'T FILE AN ADVERSARIAL PROCEEDING ...     I think your deception is at the root of why the CFPB has a major lawsuit against you for your incipient corruption and misleading of the consumer borrower. And, boy, do you mislead.     The fact of the matter remains that I was told that by an entity connected directly to you that all prior negative notations on my account would be deleted when the loans were rehabilitated.     The fact of the matter is that you are not " required '' by the FCRA to report negative past history, but you may, if the information is accurate. Do n't try to mislead -- - yet again -- - with that wrong impression ; I 'm not buying it.     But, in this particular instance, I am only holding to you to the standard that your own representatives  XXXX  or authorized third party ) told me.     Ultimately, I will probably have to file an adversarial proceeding and pursue the matter that way. The likelihood that you are going to ever be fully repaid by a  XXXX  male, in his middle  XXXX  's, with no college degree, and who owes over $  XXXX , when he borrowed not even half that much is, well ... .you tell me.      HAPPY   XXXX ,  XXXX   XXXX   XXXX .   Go get'em CFPB.
Consumer complaint received 2017-06-10
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: AES/PHEAA (CA)

Regarding case # :  XXXX  The above matter show 's the wanton and willful deception of  XXXX   XXXX   XXXX . They state the following : "  XXXX  advised the borrower  [  your, truly ] that educational loan debt is not dischargeable through bankruptcy. '' NOT TRUE,  XXXX   XXXX   XXXX  ... .and you know it ...     I would have to open what is known as an adversarial proceeding, and the standard is that I have to prove several things according to the so-called "  XXXX  test '' ( look it up  ).  But, you tell that lie to the poor and minorities ( like myself ), and in so doing you perpetuate a lie that student loans are not dischargeable through bankruptcy proceedings with the intent to give the WRONG impression that they can never be  discharged  at all. IF IT WERE N'T TRUE, THEN I COULD N'T FILE AN ADVERSARIAL PROCEEDING ...     I think your deception is at the root of why the CFPB has a major lawsuit against you for your incipient corruption and misleading of the consumer borrower. And, boy, do you mislead.     The fact of the matter remains that I was told that by an entity connected directly to you that all prior negative notations on my account would be deleted when the loans were rehabilitated.     The fact of the matter is that you are not " required '' by the FCRA to report negative past history, but you may, if the information is accurate. Do n't try to mislead -- - yet again -- - with that wrong impression ; I 'm not buying it.     But, in this particular instance, I am only holding to you to the standard that your own representatives  XXXX  or authorized third party ) told me.     Ultimately, I will probably have to file an adversarial proceeding and pursue the matter that way. The likelihood that you are going to ever be fully repaid by a  XXXX  male, in his middle  XXXX  's, with no college degree, and who owes over $  XXXX , when he borrowed not even half that much is, well ... .you tell me.     HAPPY  XXXX ,  XXXX   XXXX   XXXX .   Go get'em CFPB.
Consumer complaint received 2017-06-10
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: AmeriCollect (FL)

Americollect inc has listed collection accounts on my credit report. Americollect has not provided me with service details. Americollect inc is not licensed in the state of Florida to collect on debt.
Consumer complaint received 2017-06-10
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)

XXXX   XXXX   XXXX   XXXX    Has  not answered any of my debt validation letters. They are not licensed to collect in the state of Florida.
Consumer complaint received 2022-08-04
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. (CA)

I recently reach out to Equifax and XXXX Regarding the impact I have suffered due to fraud and identity theft. My Consumer Report has a false score and XXXX and Equifax has not helped me and I am suffering through XXXX due to my reputation.
Consumer complaint received 2017-06-09
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (IL)

wells fargo foreclosed on our home broke the bottom door apartment although we were home up stairs we were supposedly working on modification with themthey claimed i never had a court case case #  XXXX  never had my day in court but did they show up? this should be investiated we sined for PARTIAL PAYMENT PROGRAM WHERE THEY EVER PAID on our behalf from the government? they keep saying what happened as if they are right wheres the investigation? check were sent back because they said it wasnt the full amount of mortgage owed when it was only suppose to be a monthly payment.said we idnt keep in touch i have dates times and names so how can that be. im not giving up on things they said we were working on and then got put out
Consumer complaint received 2018-06-01
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: CITIBANK, N.A. (CA)

On XX/XX/2017 I purchased an XXXX XXXX from an XXXX store using my Citi credit card. After one month of normal use, the display of my device spontaneously shattered, obviously due to internal pressure in the glass resulting from a manufacturing defect. My device was still under the manufacturer 's warranty at the time, which specifically states that they will cover all manufacturing defects and that I can bring my device into an XXXX store for repair. XXXX however refused to honor their warranty and further refused to issue me a refund. 

I therefore filed a credit card dispute with Citi, citing XXXX 's breach of warranty. XXXX responded to my dispute with an internal receipt showing my purchase. This was of course irrelevant, as I never disputed my purchase, I was disputing XXXX 's failure to uphold their warranty. It was obvious at this point that no one at Citi had bothered to actually review my case, as I made it extremely clear that I was disputing only the warranty. 

I attempted to remedy the situation by further communicating with Citi, however each time a Citi representative parroted a meaningless " there's nothing we can do '' statement, while citing events that never happened and requesting proof for nonexistent events that are impossible to obtain - including claiming that XXXX has already credited me a refund and demanding that I show proof that they did not ( it is impossible to show proof of an absence of refund ) and asking me to provide proof that XXXX failed to uphold their warranty ( again, it is impossible to prove the absence of repair services ).
Consumer complaint received 2017-06-09
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ALLY FINANCIAL INC. (MD)

On  XX/XX/2017    I was contacted by someone  at Ally Auto finan ce in regards to my brothers auto loan account with this company. I asked them repeatedly to tell me how my information was obtained regarding a business matter and debt that does n't concern me. The person that I spoke with whose name was  XXXX  would n't provide me with that information and told me to speak with my brother to get him to request to take my information off of this account. I have not now or ever given permission to my brother or Ally Auto Finance to contact me, I never signed on as a co-signer, I never gave any information to the auto finance company or an y one  else associated with Ally financial. After a long and frustrating conversation with  XXXX   I was t ransferred to  XXXX  the supervisor who at the beginning of my call stated that my name would be taken off of their information. When I asked again how my information was obtained he would not tell me that information. I asked for the contact information of their legal department or the president of the auto finance division and again I was denied. I asked again how my information was obtained and how they were able to invade my privacy and harass me to which I was told that my number would be removed. I asked again and finally  XXXX  told me that he did not know. I told him that I have every right to know and he told me that he would place me on hold for an  hour or two so tha t this information could be found. After asking again for the contact information to the legal department so that I could send a cease to contact letter to them I was told that information was not available and then abruptly put on hold. After a few minutes  XXXX  came back to the line and stated that  XXXX  was searching for a supervisor for me to speak with and if I could wait then they could fine on for me. I repeatedly asked for information that was not provided, they would n't tell me where could send a cease to contact letter. I feel very harassed by this company and I feel that my privacy has been invaded.  <P/> For reference purposes the phone number that contacted me was  XXXX .
Consumer complaint received 2022-08-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Colony Brands, Inc. (UT)

I received a notification from my credit monitoring service that an inquiry into my credit had been initiated by this company. I have never used this company, nor have I submitted an application for credit with them. I would like to have the inquiry removed from my credit report as well as any information that was submitted associated with my identity removed from their records.
Consumer complaint received 2017-06-10
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (WA)

On  XXXX   XXXX ,  2017 , at  XXXX  an individual by the name of  XXXX   from Navient called my  parents and left a voicemail informing them  Navient was tr ying to get a hold of me.  XXXX  informed my parents I owe money and it was a federal offense not to respond. She left a phone number in the voicemail  XXXX   XXXX   XXXX . My father returned the call by calling the number it came from and a female on the other end of the line answered, " Hello. '' My father said, " You called this number. '' And then the women hung up on him.  <P/> This is t he 4th time now I have requested Navient not to call my parents and the second formal complaint.
Consumer complaint received 2017-06-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Risecredit, LLC (CA)

I received an e-mail indicating that I had applied for a loan through my e-mail when I had not applied for anything. I notified the company that this was a case of fraud and gave them my phone number to contact me. However, they insist that I provide an affidavit and my I.D . to cancel the application. I never applied for anything! Therefore, it is not my responsibility to provide my identification to a company that I am not associated with nor want to be associated with. This kind of practice is what perpetuates identity theft and clearly no one is monitoring how they are handling their fraud cases. I want the loan cancelled that was associated with my e-mail.
Consumer complaint received 2017-06-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: JPMORGAN CHASE & CO. (CA)

I have sent written notification to  XXXX   XXXX   XXXX  requested they validate t  he Chain of Title and to only communicate with me in writing to my home address and to stop harassing me with calls.
<P/>  The debt they are wanting to collect on is the same debt I made a complaint on before with the CFPB. The debt was placed with an agency which misrepresented itself as a legal office and failed to provide any supporting documentation validating the debt. Instead the debt buyer placed the debt with  XXXX  separate collection agencies at the same time and each continues to contact regarding the debt.  <P/> I have supporting documentation regarding all communication with all agencies for reference.  <P/> Attorneys at Law  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX
Consumer complaint received 2017-06-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

First of a ll I filed a complaint against chase Bank for the  XXXX  family trust I am the trustee of the estate the first complaint was not resolved yet case number  XXXX  Chase bank said that they will contact me that was a week ago.Also I had request the history of the accounts with  XXXX   XXXX  name on accounts so that I can account for all assests both  XXXX  and  XXXX   XXXX  the  XXXX  are both deceased I would like all history statements from  XXXX   XXXX  to close out the estate.they refused to release history statements because my name is not on the accounts but in fact as trustee the accounts belong to me and the  XXXX   family trust
Consumer complaint received 2017-06-09
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: Experian Information Solutions Inc. (IN)

IHAVE MUTIPLE  INQUIRIES THAT I HAVENT AUTHORIZE I HAVE APPLIED FOR CREDIT IN A YEAR HAVE MUTIPLE INQUIRES ON  XXXX  CREDIT  XXXX ,  XXXX , EXPERIAN FILE BANKRUPTCY DISCHARGE AND HAVENT USE OR GAVE ANYONE MY INFORMATION SEEN ALL TYPES OF INQUIRES THAT I HAVENT REQUESTED.
Consumer complaint received 2017-06-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (CA)

PNC LN XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX XXXX We have submitted our authorization and a complete short sale package to PNC. They have set a foreclosure date for XX/XX/17, are refusing to provide a payoff demand to an authorized third party, and are also refusing to review the file for a short sale. <P/>PNC has not ever attempted to contact the homeowner. The homeowner only found out her home was going to foreclosure last week and only because real estate agents started calling her. PNC has never contacted the homeowner, has never attempted to do any kind of workout option with her, and this is violation of State and Federal Law. <P/>Since the homeowner is XXXX years old, PNCs lack of legally required communication also raises questions of Elder Abuse. Elder Abuse is a violation of California law. <P/>Since we already know that you are going to claim you have contacted the homeowner, we want proof of this. I want to know the date/time that you have contacted her in accordance with state and federal law. <P/>Weve had issues with pnc before regarding their lack of communication with their own homeowners, and we end up having to file a CFPB complaint on every file we have with them. We are tired of the hacks in their legal dept telling us that we are lying and they have done nothing wrong. In fact, in every response that we get back from their legal hacks we are told we are lying. How is it possible that in all of the CFPB complaints against PNC for the consumer to be lying 100 % of the time??? We have closed over 2400 short sales in the last 9 years. PNC is saying that we lie on every single complaint? Does that sound like Reality to you?? When is the CFPB going to enforce the laws that are in place to protect the homeowner?
Consumer complaint received 2017-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stellar Recovery, Inc. (IN)

Stellar Rec has previously tried to collect a debt from me which I do not owe. Further they add it to my credit report as if it is a new debt, thus, re-aging the debt as a new one. This is a nefarious tactic they are using to compel me to pay them off. I have initiated dispute alerts with all credit reporting agencies and spoke with a Stellar Rec agent, today.
Consumer complaint received 2017-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I have  XXXX  personal credit cards wit h Chase Bank. One product is the Chase Freedom card and another product is the Chase Sapphire Reserve. The Chase Freedom account I have had open for more than 5 years, meanwhile the Chase Sapphire Reserve account I had opened almost a year ago. I was able to use my Chase Sapphire Reserve fo r almost all of  XXXX  and all of last year. T  he Freedom card I have used sporadically for the last year.
<P/>
For the Chase Sapphire Reserve, th  e last transaction was on  XXXX / XXXX / 2017 . I made a purchase using the card in the morning. In the afternoon, the card was declined. When I logged on to my Chase account all of my personal credit card accounts were closed.   <P/> A week later, I got a letter in the mail desc ribing how Chase no longer wants my client services. No explanation was given about what had happened. None of the phone representatives are willing to give me any further details.
Consumer complaint received 2017-06-09
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. (CA)

Account was orignally listed as of  XXXX / XXXX / XXXX .   Account is showing as a charge off with no balance, I called  XXXX    XXXX     XXXX   XXXX / XXXX / XXXX  spoke with a representative and she advised the only account they have on record is my last address which is in good standing.   On my credit report account it is reported as " paid, was a charge off ''. And also listed as a charge off on my credit report. Amount of debt was {$120.00} last updated  XXXX / XXXX / XXXX .
Consumer complaint received 2017-06-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MARINER FINANCE, LLC (LA)

I had a personal loan with this company. When I applied for the loan, I opted to purchase the XXXX insurance. In XXXX, I was out on medical leave and made a claim with the XXXX insurance. I submitted the required paperwork from my doctor so that the XXXX insurance company could make the monthly payments until I was discharged from my physician and returned to work. Every few months, I was required to submit an updated physician 's statement in order to keep the claim open and so that the payments would be made to the loan company, which I did. In XX/XX/XXXX, apparently the XXXX  insurance company submitted the monthly payment to the loan company late. The loan company has reported to the credit bureaus a 30-day late payment. When this appeared on my credit reports, I called the loan company and the manager, XXXX, informed me that he would have this removed since the payments were being made by the insurance company and it is beyond my control. XXXX was successful in having this removed from my XXXX  report ; however, it was not removed from my XXXX and XXXX credit reports. I contacted the loan company again and was told that XXXX was no longer employed with the company. I explained the situation to XXXX and she stated that there was nothing they could do and that I should submit a dispute to the credit bureaus in order to have the late payment removed. I have disputed this item multiple times and it is still on my credit reports.