davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2017 I sent a letter to Experian in regards to an unverified account with XXXX being reported on my credit report. In the letter I stated for the unverified account to be removed as it is negatively affecting me. I did not receive a response and Experian continues to report this account. On XX/XX/2017, I submitted a complaint to XXXX for the same unverified account and they responded stating that they would send validation of this debt. It is now XX/XX/2017 and I have not received any documentation validating this debt. Again, I am requesting that this account be removed from my credit report as it is affecting me. I have attached proof of the response I received from XXXX as well as the letter I sent to Experian requesting the unverified account to be removed.
Consumer complaint received 2017-03-30
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (LA)

During XXXX weekend, while in XXXX, Louisiana my card was misused at a local XXXX. I reported to Chase bank that my card was charged {$900.00} fraudulently on XX/XX/2017. I immediately called my bank and reported my card lost/stolen. Upon submitting a dispute in order to receive my full amount of {$900.00} back into my account, chase also had me verify the transactions I made prior to this purchase of {$900.00}. I said yes to all of the charges except the one made on XX/XX/2017. I was also asked could I recall what my last transaction was the day before the fraudulent transaction took place. I responded " I believe it was XXXX for about XXXX dollars on XX/XX/2017. '' In actuality it was the XXXX for XXXX and the XXXX transaction was the second to last transaction I made on XX/XX/2017. Please be mindful that I was in a state of panic in the middle of the XXXX police department, explaining to them what was going on, while on the phone with chase. I did not have my account pulled up nor did I use my app on my phone to answer the question. I found it oddly peculiar that the customer service rep who was looking on my account did not ask me to verify if the XXXX transaction was valid or not. She led me to believe that I was correct in XXXX being my last transaction. As a result, my fraud dispute was denied. Chase refuses to credit my account in the amount of XXXX because they said that I listed the second to last transaction opposed to the first. They literally told me that had I not listed the second to last transaction from MEMORY opposed to looking at my account and stating the XXXX purchase as the last transaction on XX/XX/2017, then I would have been granted my money back. 

They are required under the electronic funds transfer act to refund me up to XXXX and myself being responsible for up to XXXX. I am a recent college graduate. I work hard for my money and XXXX is a lot of money when you already have very little. I did my part and reported my card lost immediately, chase needs to credit my account as soon as possible.
Consumer complaint received 2017-01-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OH)

I had a Mortgage with Greentree mortgage and then it became Ditec LLC They have raised my escrow for no good reason since my taxes have gone down. It also do n't make sense because two months before they raised my payments they sent me money because there was too much money in my escrow. This lender has a bad track record of being honest.
Consumer complaint received 2017-03-03
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: STATE FARM BANK, FSB (GA)

I, XXXX, am a consumer who purchased from STATE FARM BANK ( SFB ) a refinanced vehicle loan with pay off protector or gap insurance. The Vehicle Loan Account Number is XXXX. This complaint is administrative and is filed with The CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) based on the rules and procedures that allow quasi-judicial ( or administrative ) review of disputes involving banks and its account-holders, etc. 
The facts are : Manager XXXX ( employee id ) or Manager XXXX whose employee identification is MLEK intends to not execute the pay-off protector connected my SFB vehicle loan ( acct # XXXX ) if the account goes more than [ 28 - 31 days ] without at least a minimum payment even where the car was reported to SFB as a " total loss " XX/XX/XXXX. And in so doing Mgr XXXX - would attempt to make me liable potentially for the remaining SFB Vehicle Loan balance of {$1900.00} plus. What makes this particular legal concern " extremely peculiar " is my personal bank account was unlawfully debited {$220.00}. plus on XX/XX/XXXX which leaves me without sufficient funds to make the final minimum payment plus on my XXXX LEXUS ES XXXX or minus any late fees. 
In closing, please issue this complaint against SFB tomorrow which is the last date for the minimum monthly payment. SFB phone is XXXX ) XXXX.
Consumer complaint received 2017-04-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MO)

I disputed a dismissed Chapter XXXX Bankruptcy ref # XXXX with XXXX and Experian credit reporting and they say they have verified and it remains on my credit report and I know they have not verified the dismissed bankruptcy nor will they provided me with the verification of where and how the information was verified and I would like for it to be removed off my credit reports. According to the the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief '' .Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. In Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

I have several accounts on my credit in which I have asked the creditors to " validate '' their information. Validate if I was ever late, details when, validate if a debt was mine- I just keep on getting same response : nothing. my rights under FCRA have been seriously violated. law says if a creditor can not validate/prove in 30 days of my dispute, they must remove. I am writing to you about XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I will give account numbers upon request.
Consumer complaint received 2017-03-15
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (TX)

I had a mortgage with Citi Mortgage on loan number XXXX this went into bankruptcy XX/XX/XXXX to XX/XX/XXXX in the amount of the ongoing payments from the trustee of XXXX only XXXX has been accounted for for Principle of XXXX, Interest XXXX and Escrow of XXXX on taxes only. This total is XXXX the trustee in bankruptsy court chapter XXXX paid Citi Mortgage XXXX there is a balance of XXXX that has not been accounted for on my loan with Citi Mortgage. The Arrearage was paid to Citi Mortgage for XXXX which should have reduced the principal and has not been noted on the account as being paid anywhere. In XXXX there was a payment made to citi mortgage on an old account number XXXX XXXX this was on the principle back in XXXX reduced the balance owing to citi mortgage of XXXX now the balance owing on my mortgage is XXXX there are huge discrepancy 's with Citi Mortgage and need to get the correct balance and these funds put on my loan correctly.
Consumer complaint received 2017-03-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (IL)

I contacted Experian Via Certified mail XXXX, Rec 'd on XX/XX/XXXX. I had requested a copy of the verification from Experian for the Chapter XXXX Bankruptcy ( # XXXX ). I contacted the US Bankruptcy court and was informed that they do n't deal with credit reporting agencies. That they have there own sources to place inquries on my consumer report. I have placed Security Freeze back on XX/XX/XXXX, XXXX, XXXX, XXXX And XXXX so I am not understanding how Experian was able to verified Bankruptcy, so I have a freeze on 3rd party consumer. I demand that the Bankruptcy be removed from my file due to lack of verification and inaccurate reporting of verification date. I have not receive the documentation shown proof of verification. Because third party consumer do n't disclose information on accounts with a security Free place on them. 
Also on XXXX inaccurate social security number was place on my report : ( XXXX ) Does not belong me.
Consumer complaint received 2017-02-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

XXXX Mortgage has been reporting delinquencies to the credit bureaus for XXXX XXXX through XXXX XXXX. I did a modification of mortgage with XXXX as servicer for XXXX in XXXX through XXXX [ XXXX ID : XXXX ]. In a letter from XXXX they confirmed that they did not obtain this loan as a result of the XXXX Chapter XXXX XXXX bankruptcy filing under case XXXX. The servicing rights to the loan were sold to Green Tree Servicing and my account number with them was XXXX. XXXX did an Assignment of Mortgage to Green Tree Servicing on XXXX/XXXX/XXXX and it is recorded in Official Records Book XXXX, Page XXXX, Public Records of XXXX, Florida. After the Consumer Financial Protection Bureau and the Federal Trade Commission fined Green Tree, Green Tree Servicing merged into a new company called Ditech XXXX XXXX, who is now the servicer only has records back to XXXX XXXX per a letter I received from Ditech on XXXX XXXX, XXXX. I have disputed this incorrect information being reported to the credit bureaus and they have come back as 'verified ' but none of the entites remain except Ditech who does not have any information in their records from prior to XXXX. This is an issue I need resolved.
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

Disputed fraudulent accounts with Experian through their web site. Experian states they investigated and " verified '' the information and refused to delete the fraudulent accounts. For the account listed as XXXX XXXX I received a letter from XXXX stating they investigated, found in my favor, and told Experian to delete, which they have not done. The account listed as XXXX XXXX, Experian supposedly investigated shows 30 days late in XXXX XXXX, but then 60 days late in XXXX of XXXX which is obviously impossible. It also includes numerous reports of " No Data ''. The account listed as XXXX XXXX XXXX XXXX which Experian supposedly investigated show fake {$1.00} payments in XXXX, XXXX, XXXX of XXXX while the listed balance remains the same - which is obviously impossible and also does not match the date of last activity on the account. It also contains numerous listings of " No Data. '' I do n't believe Experian investigated these fraudulent accounts as they stated or how can they still have all of these inaccuracies? Experian is required to report accurate and complete information which they have failed to do, I demand these XXXX fraudulent accounts be deleted.
Consumer complaint received 2017-03-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FINEX Group LLC (CA)

On XX/XX/XXXX, I sold A van I owned. I sent the release of liability to the DMV the same day I sold the van and that was the last I heard. On XX/XX/XXXX I received a notice from a collection agency for tow fee 's, this was the first I was notified of any issues with the vehicle I sold. We 've had a problem in our neighborhood with mail being delivered to wrong address or not all so i 'm not certain that the tow company mailed me something as the collection agency claims as they have not provided any proof of that mail ever coming to me. On XX/XX/XXXX I sent a written letter along with supporting documentation that I sold the car back in XXXX. The collection agency responded and I received a letter on XX/XX/XXXX stating my dispute was not valid and a copy of tow paperwork stating the car was sold for {$170.00}. They are telling me I owe {$1700.00} for storage for a vehicle I clearly sold and have proof I sold it. The collection agency tells me it the tow was for a police impound and where the car was towed from is in close vicinity to the person i sold the car who is listed on the bill of sale. I 'm not certain what happened when I sent the release of liability to the DMV as the car had XXXX License plate I 'm not sure if XXXX forwarded to document to XXXX. What I am positive of and under penalty of perjury I sold the car and followed the steps I needed to take to remove myself from liability. I even cancelled my car insurance. I accepted a job as a flight attendant and moved out of the State of XXXX in XXXX of XXXX. The collection agency told me I need to pay the debt and then sue the person I sold the car to in small claims court. That sounds to me like a sold a car for {$100.00} and now owe {$1700.00} plus small claims and I will be out all that money. This does not seem legal.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (MA)

I have recently checked my credit report and noticed that under public records there is a record of my BankRuptcy. the Credit Bureau are reporting a bankruptcy. The courts do n't verify that information that information was pulled from a third-party reporting therefore it needs to be deleted.
Consumer complaint received 2017-03-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (MD)

I filed for Mediation for my home loan. The mediation package from the foreclosure attorney had most items in it. except for the payment from the mortgage insurance company. It had a notation in it. but did n't post the payment from the company. I had talked to the mortgage insurance guy and he wanted to go over figures with me. and then told me they had to pay Suntrust because I had received a discharge on my bankruptcy. Even after the Pay off. Suntrust is still charging a mortgage insurance fee. this time it is lender imposed and not imposed by the mortgage insurance company. Please make Suntrust service my loan correctly. The loan amount is n't correct and the mortgage insurance should n't be charged. 
also my deed of trust was n't dated by the notary. XXXX allows for the lender to fix flawed Deed of trusts. Maryland does n't allow back dating a deed of trust. so if I am correct. no interest is due on this loan. Am I not correct?
Consumer complaint received 2017-02-14
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: HOVG, LLC (CA)

This company refused to accept payment arrangements that I could afford without still reporting it on my credit. They wanted me to pay an amount that I could not afford and if did n't they would or may report it on my credit. Threatening to ruin my credit over this bill after I had alread explained to them that I was appealing the decision with my insurance company and tryouts no to get the full bill paid does not seem to be good business nor does it seem to me that it should be legal. I was in no way ignoring the bill or attempting to get away without paying. I offered to pay {$100.00} a month but they would not guarantee that it would n't go on my credit. That seems to be a very shady practice to me. If I 'm making payments on it, how can they report it on my credit. I am making an effort to clear the bill. They also wanted to charge me {$5.00} for each payment. That is not right. I refused to pay that {$5.00} each time I made my payment so they again threatened to report it on my credit. I have been working very hard time get this bill paid and to keep my credit in tact. However, despite my best intentions, nothing seemed to satisfy this company except that I pay some amount that I could n't afford. It does not seem like it to should be legal to threaten somebody 's good credit history because they ca n't agree to pay what a company thinks they should pay.
Consumer complaint received 2017-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (GA)

When looking at my credit file I noticed the following companies are reporting negativity to my credit report. The companies in question are XXXX and XXXX has agreed to remove the negativity due to the account not belonging to me and has since been paid to have it removed. XXXX corp is showing a late payment on the account. the account has never been paid late and has been disputed.
Consumer complaint received 2017-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

I have XXXX loans with Navient, XXXX stafford and XXXX private. My stafford loans went through rehabilitation a couple of years ago and I have really been working hard to make sure I got them paid every month. Starting in XXXX of last year navient apparently began applying my stafford payments ( which total to approximately $ 90/month ) to the private loan ( which I also pay {$60.00} on monthly as arranged by their creditor XXXX for the last 3 years ). They misapplied my stafford payments from XX/XX/XXXX until XX/XX/XXXX and now I have a terrible late payment history on my credit reports which I had been making such great progress on in addition to all the late fees. I only found this out because I recently tried to get financing and was unable to. Not only had I paid what I owed them but I even had paid more than {$400.00} in extra payments ( extra payments in XXXX, XXXX, XXXX, XXXX and XXXX ). Their website is so confusing its taken me hours going back and forth with my bank statements to even figure out where my money went.
Consumer complaint received 2017-03-31
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: PlusFour, Inc (NV)

This charge was part of my bankruptcy and debt collector was notified several times in the last several year but continues to transfer collection and restart on my credit it should be recognized and removed per my bankruptcy per federal court ruling. 
This is the only negative mark on my credit and I have been trying to remove consistently from my record. This was removed from XXXX but not XXXX system. 
Thank you, XXXX XXXX
Consumer complaint received 2020-04-21
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc (TX)

XX/XX/XXXX : Spoke with the collection agency to resolve the account. The agent told me the account was not past due because the company tried to collect payment using my checking account they had on file ( 3 ) days prior to my call. The payment was returned and that meant the account was still open because the attempted payment was made. The bank account the company tried to use has been closed for 2 years. 

This is not right. I did not authorize any sort of payment. This account has been in collections since XXXX. They are claiming {$1400.00} is owed but I only borrowed {$700.00}. 

They refuse to cooperate with me, continuously stating the account is not past due because of the attempted payment. I asked to speak to a supervisor, was transferred to a voicemail. I left a message and never received a callback.
Consumer complaint received 2016-06-20
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America has been reporting late payments on my credit report and the account was sold to XXXX XXXX XX/XX/XXXX it 's been over seven years and also reporting late payments in XX/XX/XXXX and XX/XX/XXXX when I did n't have any accounts with Bank of America. Please, please help me with this
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MI)

On XX/XX/XXXX I sent Experian certified letter asking them to investigate a credit item on my credit report. The item in question is an account from XXXX being reported on my file. What I asked Experian to investigate was the fact that the account was too old and obsolete to still be reported on my credit report based on the Fair Credit Reporting Act. I also included a copy of my Experian credit report from XX/XX/XXXX showing that this item was scheduled to be removed from my report on XX/XX/XXXX. On XXXX I got a letter from Experian telling me that they will not reinvestigate this item and that they already verified the information. I never asked them to investigate the age of this account before, so this is a different dispute. I feel like they never even read my letter and looked at the information I sent them. Based on FCRA and the evidence from my older Experian credit report this item needs to be investigated and removed.