davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CMG MORTGAGE, INC (NY)

I am contacting the CFPB out of desperation in dealing with my mortgage servicing company, CMG Financial. I had experienced a hardship and was approved XX/XX/XXXX for an FHA HAMP three month trial modification from XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX in the amount of {$3000.00}. The trial agreement clearly shows the amount for escrow advance/set up is {$49000.00}. I even have a payoff statement dated XX/XX/XXXX showing the escrow advance {$44000.00}. I completed the trial payments early and the permanent agreement was issued XX/XX/XXXX with a new monthly principal, interest, taxes and insurance payment of {$3000.00} starting XX/XX/XXXX. I called to set up the XX/XX/XXXX payment and they told me they do not see the loan was modified but after looking through notes, they accepted my payment and stated it takes time for the system to be updated. I called every month to make, y payment and had to go through the same explanation. They would accept my payment but tell me my payment was {$3900.00} not {$3000.00} because the modification was still being updated in the system. 
I received the countersigned modification agreement XX/XX/XXXX so something is clearly wrong. As of last week, I received a notice my loan was being referred to foreclosure and my XX/XX/XXXX payment was returned due to being forwarded to foreclosure. The total amount owed they are stating as of today {$9300.00}. 
My regular escrow payment is {$1500.00} which I have paid consecutively since the 1st day of the trial XX/XX/XXXX through XX/XX/XXXX XXXX XX/XX/XXXX payment was returned ) which totals {$12000.00} plus the {$48000.00} paid to escrow according to the permanent modification agreement so how is there a {$9300.00} shortage payment resulting in a shortage payment of {$900.00} being added to my regular monthly payment day 1 after my loan was modified? This is just wrong. I have spent countless hours on the phone with the mortgage servicing department, escrow department, customer service department all of which transfer me around and wont help me straighten this out. Now, my loan was forwarded to foreclosure all over again. Its not right.
Consumer complaint received 2021-08-17
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: Kikoff Inc. (FL)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2020-12-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (TX)

My XXXX year old mother continues to be harassed by debt collectors for 2 Navient private loans she settled in full in XXXX. We have called over and over both Navient and XXXX. A complaint was filed and no response. Its almost been a year. We want this to stop
Consumer complaint received 2020-12-31
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. (IL)

I have two credit cards through XXXX. Around XXXX/XX/XX/XXXX one of my on-time XXXX credit card payments was applied to the wrong account causing the intended account to show 30 days late. After contacting XXXX support several times and their investigating, I was finally connected to a XXXX XXXX ( XXXX ) in XXXX XXXX " Executive Response Unit. '' He confirmed that the late payment reported was in error and should not have occurred. He wrote a letter ( attached ) saying that the three credit bureaus would be contacted and told to remove the late payment history ( the only late payment in my 20+ year credit history ). Equifax and XXXX have not removed the late payment - XXXX has. Despite submitting a dispute to XXXX and including the necessary info they could use to verify that the late payment should be removed, they refuse to do so. I believe this is in direct violation of FCRA. They have information that knowingly shows what they are reporting is false. The dispute from Equifax is still pending. I am including all three companies : XXXX, XXXX and Equifax on this complaint.
Consumer complaint received 2021-01-01
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. (FL)

I have disputed collection accounts : # XXXX # XXXX directly with XXXX  XXXX XXXX and they advised me that these false accounts " have been returned to XXXX ''. 
I have no knowledge of who XXXX is or why these disputed accounts " were returned '' to this XXXX company, but in any case these accounts should not be reported by XXXX  XXXX now so please delete these false accounts asap.
Consumer complaint received 2022-10-10
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)

I sent a letter on XX/XX/2022 to remove the following items that are UNKNOWN to me. I came across this law today and according to the XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} ; XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} ; XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$200.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$810.00} ; XXXX XXXX XXXX Date of XXXX XXXX XXXX
Consumer complaint received 2021-01-01
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: ERC (DE)

i called XXXX about a debt to be settled for deletion on XX/XX/XXXX XXXX ; XXXX i was forwarded to the accounts dept for credit reporting the representative informed me there was a balance of XXXX in which i told the agent the i cant afford. she said said well we can settle this amount for {$310.00}. i said thats only {$15.00} decrease but thats still to high for me. after a couple of minutes of negotiating she said to me, can you do {$210.00} by the XXXX XXXX XXXX. we both agreed that this amount would settle and delete this account from my credit reports. so we agreed that i would make two installments to clear up the debt. XX/XX/XXXX i made a payment of {$110.00} and when i made a payment of {$100.00} on the XXXX of XXXX. i was told by another representative after immediately after that i still have a balance and that XXXX doesnt settle accounts. i said a rep there told me that after i make this payment the it would resolve and delete this XXXX account of my reports.they made me call ERC ( enhanced recovery company llc ) i called the about the issue and they told me there was a balance for XXXX of {$110.00}. i said i dont have a balance.explained to the rep what happened and i told them that i dont intent to pay anyone more money that i dont have since i was lied to. the rep said the would settle and close and delete the account for $ {$58.00} which i paid on XX/XX/XXXX.
Consumer complaint received 2021-01-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

I contacted Nelnet severs times to get my issue resolved. I no longer have an account with Nelnet due to my account being transferred to XXXX. I participated in a second chance six month program where they recouped over {$7000.00} of my income tax, and I paid 6 ontime payments. This program was to allow me a new loan with a different company which is XXXX and completely transfer the loan. I have no dealings with Nelnet nor have I had any action on that account since before 2013 and it should not be showing late payments at all.
Consumer complaint received 2018-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (OH)

I received a call from Penn Credit, a debt collector, in early XX/XX/XXXX saying I had an outstanding balance from the XXXX XXXX XXXX XXXX XXXX from a home I previously owned. I asked them to send me the bill, which they did mail to me. I then called them to explain that the bill is not my bill as the utilities were not in my name at the time of outstanding balance ( XX/XX/XXXX ). I explained that I rented that home to tenants in XX/XX/XXXX and they purchased the home from me in XX/XX/XXXX.  The water bill had not been in my name since XX/XX/XXXX. They were extremely rude and said that I was refusing to pay a debt. When I told them I would take it up with the XXXX XXXX XXXX XXXX XXXX, the person then hung up on me. This whole experience seems to be deceptive and fraudulent.
Consumer complaint received 2021-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I had filed a complaint yesterday ( # XXXX ) regarding a balance discrepancy on my Citibank checking account.After submitting the complaint, I transferred {$200.00} to my savings & made a {$25.00} donation.This morning I signed into my account & noticed I got the {$600.00} stimulus & again the balance wasnt what it was supposed to be. 

Considering that the bank refused to address the 1st issue, Im going directly to the CFPB to see if you can help me resolve these issues.
Consumer complaint received 2021-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

I had few credit cards from Citibank that was closed by the bank - while I was out of country during the Covid timeline. I tried calling the bank multiple times but was not able to get the necessary help and eventually the credit card was closed with a negative remark on my credit history and I also lost all my credit rewards / thank you points. 

As I am not able to return to US due to visa restrictions I tried calling Citi from XXXX but on each instance the wait time was horrible and after jumping between different departments my calls were terminated. 

It was a very unpleasant experience and given that I had multiple cards I ended up getting most of my credit cards closed due to the negative remark on my credit history.
Consumer complaint received 2022-04-15
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. (MD)

Hello I am seeking assistance Im removal inaccurate information listed on each credit agency This may be result of theft that include to my wallet that was stolen around XXXX XX/XX/2021. These debtor accounts are new I have never done any business with this company nor do I have any debtors of these creditor or address listed on XXXX, Equifax and XXXX credit agencies reporting new accounts open in 2021 .Creditors XXXX XXXX XXXXXXXX credit card and other personal loan is fraudulent accounts XXXX XXXX XXXX also multiple named XXXX, XXXX and XXXX XXXX Fraudulent addresses XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX MD XXXX -All fraudulent personal information added to my credit reports. Any or all data input regarding this address is not valid and without my knowledge or consent. Thank you
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CITIBANK, N.A. (MI)

XXXX  has charged one of my Citi credit card several times for a recurring service that I did NOT solicit or enter an agreement for such purported service. When one attempts to secure their FREE credit report from the FTC.gov website : XXXX, XXXX is the only bureau of the major 3 bureaus that forces you to go to their website, and create an account in order to obtain your FREE credit report. I don't need a report anymore than annually as each credit card lender - with which I utilize to finance or age my accounts payable - offer me a view of my credit score, free of charge. In addition, it should be noted that I am not in need of any credit repair and/or monitoring, as a trained financial advisor, and my credit score has consistently floated between XXXX and XXXX since establishing credit 2005. Thus, I have never needed such a service, and would've never signed up for such. As this issue of ad hoc charges were brought to my attention this summer in the form of billing statements, I recognized that I lost my credit card in travel, and reported it stolen. After I disputed this asinine malarkey, prior to reporting the credit card was lost, Citi, at some point presented me with a response from XXXX  that displayed documents that weren't legible, and a sample transaction, but no actual transaction from XXXX or an electronic signature. In addition, they held out a document that displays my credit card and personal information, which of course they could have obtained from my credit report or EVEN CITIBANK to try to substantiate their claim. Citi has NOT been user friendly or working on my behalf in this matter. In fact, they have made this dispute very time consuming and often apprehensive, because I pride myself on credit reputation, especially as it unfortunately has been made legal to review in determining one 's employability. This experience seems to be that of collusion, because I never gave XXXX  my personal information, and it seems that Citi refuses to stop their attempts to bill me. In addition, I attempted to try to login into XXXX 's website, and the website stated that I did not have an account. I provided this to Citi via an email address that they provided, but they have not responded. Each have demonstrated to be wrong and unscrupulous, and I think this is some form of attrition so that Citi can create a reason to reduce my credit line or deny me a credit card.
Consumer complaint received 2019-07-12
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

Request a personal loan at XXXX, and it was denied for serious delinquency. I investigated Equifax and I do not accept the reasons given, because I do not possess delinquent in my credit report. The information was verified in Equifax and there is no delinquency. In addition, the score is incorrect. I understand that I was discriminated against for not approbation with incorrect information. I request that it be investigated.
Consumer complaint received 2019-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc. (PA)

I assume this is a scam, since we owe nothing to anyone. The voice mail on my cell XXXX states " from client services Inc a debt collector and call XXXX ''. 
The calls were made on XX/XX/XXXX & XX/XX/XXXX from phone number XXXX. I will not contact them because I will not use my minutes for a scam.
Consumer complaint received 2019-07-12
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. (CO)

Equifax is incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) I called and spoke to a representative and removed myself as an authorized user from this account. They removed me as an Authorized User on XXXX and XXXX however Equifax has not removed this from my report. I have contacted the bureau to fix this issue however I was unsuccessful. This negative reporting is harming my credit score. This line item needs to be removed from my credit report.
Consumer complaint received 2021-08-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (CA)

Hello, I have been trying to solve my debt situation for 3months now but still has not been solved. 

I closed the Chase credit card account in XX/XX/2020. I went to the branch and they guided me to call the Chase Card. I explained the whole situation that I would not be in the U.S so I wanted to make a payment of all the transactions including future transactions. 

I followed every direction also paid the amount that Chase told me. 

Now I am back in the States and I see the crazy late fees and the amount that I paid ahead is not even reflected on the statement before the late fees. 

I disputed and re disputed the claim about it however I can not make any progress when I try to communicate and followed their directions. 

Please help and advise. 

Thank you.
Consumer complaint received 2022-07-04
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX  Account # : XXXXXXXX XXXX Account XXXX : XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # XXXX XXXXXXXX XXXX Account # : XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-12-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (KS)

There was around XXXX dollars worth of charges made to my Home Depot Citi card back in XXXX. I sent in a fraud statement along with an identity theft deport when I discovered the charges. They responded with a letter saying the investigation was done and I was responsible for the charges. The account was closed and it was removed from my credit reports, but they kept sending me bills for the charges, and now sent a letter saying they are going to turn it over to an attorney. I have no idea what kind of investigation they could have done that showed this was me making these charges. I never even went into a Home Depot etc. The card was misplaced and someone used it! I have continued paying on the account, but have asked an attorney about my rights and they informed me to write one last time, and save all my correspondences before they proceed. So that's what I am doing.
Consumer complaint received 2022-08-10
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. (NC)

In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states, I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX.Acc # XXXXXXXX XXXX XXXX XXXX ..Acc # XXXX XXXX XXXXXXXX XXXX..Acc # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-12-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: STERLING JEWELERS, INC. (FL)

I am a Federally Protected Consumer. I checked my credit report and noticed a debt collector Jared-The Galleria of Jewelry has attempted to collect on an alleged debt and has placed it on my credit report as charged off and has forwarded my personal information such as number, address to XXXX XXXX XXXX. Jared-The Galleria of Jewelry has invaded my right to privacy. I mailed Jared-The Galleria of Jewelry a debt validation letter and was sent a letter stating I needed to send them additional information. 
However, XXXX XXXX XXXX provided me with Jared-The Galleria of Jewelry billing statements that were sent to them on an alleged debt. Pursuant 15 USC 1692c ( b ) I never gave Jared-The Galleria of Jewelry written or oral permission to have my personal information and to forward it to another debt collector to collect on an alleged debt. Pursuant 15 USC 1692b ( 2 ) Jared-The Galleria of Jewelry can not state that such consumer owes any debt ; Jared-The Galleria of Jewelry has forwarded billing statements to XXXX XXXX XXXX to collect on an alleged debt. Jared-The Galleria of Jewelry also forwarded an account summary from the " original creditor '' Sterling Jewelry. According to 15 USC 1602 ( g ) I am the original creditor. Jared-The Galleria of Jewelry and Sterling Jewelry and XXXX XXXX XXXX can not create, extend, or give credit. Please the attached.