davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klarna AB (NY)

I became victim of identity theft. 
I started receiving statements from Klarna showing I established Credit Line on XX/XX/XXXX. I thought it was a mistake however I continued receiving statements showing additional penalties and interest. I contacted Klarna customer service XXXX XXXX in XX/XX/XXXX to let them know I never established this credit line. The representative was not even able to find my account but assured me there is no problem. However, I continued to receive statements with more penalty and interest charged by Klarna. I contacted them again and was not getting qualified help over the phone. I asked them to provide information in writing. 0n XX/XX/XXXX XXXX replied from XXXX. We went through a few back and forth emails, finally XXXX wrote " account will be closed and all details deleted ''. I asked confirmation statement showing I don't owe anything. Shortly after, I received another email from XXXX  ( Service Center Agent, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OH XXXX klarna.com ) stating Klarna needs to confirm a few details with me. I received another email from XXXX XXXX ( Service specialist, Klarna Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX OH XXXX ) stating he submitted my claim to account specialist. The next day XX/XX/XXXX, I received another email from Klarna do XXXX stating they will be working on my inquiry and to not contact them again. I have not heard from them since. Meantime, I received another statement with more interest and penalties posted on the account. I sent XXXX XXXX email asking for progress on my case and to let me know whom I can speak with. I have not heard back. Klarna is not making any progress in resolving the identity theft issue and is charging me more and more interest and fees.
Consumer complaint received 2021-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (NC)

Card was emailed and said to be delivered on XXXX XXXX it wasn't delivered and was returned to them. 
Contacted on the XXXX of XXXX asking for a replacement card. Only a generic copy and paste was given that an expedited card would be sent out ( they even forgot to delete the quotation marks ). No card was sent out at all in the end. 
Contacted again on the XXXX asking where card was. They had said no card was sent out and they would be sending an expedited card. They did not and completely cancelled the account instead. 
Called on XX/XX/XXXX and they told me my account was cancelled without my consent.
Consumer complaint received 2015-09-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NV)

On XXXX XXXX XXXX, I received my credit report from XXXX. I noticed that Ocwen Loan Servicing turned us in to the credit bureaus as ND, no data for our XXXX XXXX mortgage payment. Please see XXXX report! Now, I printed a copy of our payment history from Ocwen Loan Servicing website on XXXX/XXXX/XXXX. This payment history report reflects that our XXXX XXXX payment was received on XXXX/XXXX/XXXX for {$690.00}. Please see the payment history report! Also, on XXXX/XXXX/XXXX, I printed a credit history letter from XXXX website. It reflects that XXXX XXXX, we were current. Please see credit history letter! On XXXX/XXXX/XXXX, I printed a credit history on Ocwens website. This credit history report reflects that in XXXX XXXX, we were current. Also from XXXX XXXX to XXXX XXXX, Ocwen Loan Servicing notified the credit bureaus that we had no payment history. This is incorrect! We made our mortgage payment on time and if Ocwen Loan Servicing submitted no payment history available for these dates, then Ocwen has violated the law, The Fair Credit Reporting Act ( FCRA ) by not accurately submitting the correct information to all the credit bureaus. What Ocwen Loan Servicing has done is unethical and is bad business practices. Now, a CFPB report shows that action is being taken against Nonbank and Bank for inaccurate mortgage loan reporting! This is not the first time that Ocwen Loan Servicing has inaccurately reported our mortgage payments to the credit bureaus. Please see some of the other CFPB complaints against Ocwen Loan Servicing. Now, if Ocwen inaccurately notified the credit bureaus, then Ocwen must be held accountable for their actions. If Ocwen submitted current to all the credit bureaus and the credit bureaus submitted the incorrect information, then Ocwen Loan Servicing must provide proof/documentation to show that Ocwen submitted the correct information to all the credit bureaus so the credit bureaus can be held accountable for their actions.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section XXXX ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2017-04-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

My wife and I ( although the loans are in my wife 's name ) took out XXXX loans with XXXX, the state agency that provides loans for students that attend the university XXXX. There were XXXX loans:XX/XX/XXXX for {$5400.00}XXXX,XX/XX/XXXX for {$5100.00} and XX/XX/XXXX for {$52000.00}. Totaling {$63000.00} We are the first to admit that our payment history to vsca has been " spotty '' at best! There loan servicer NAVIENT, has recently sent us payment requirements for payments totaling {$360000.00}!!! with a payment schedule that is outrageous. I know these debts are ours to repay and we have not done this to, perhaps, the best of our ability, but this is outrageous. Aside from shocking and frightening us, these are scare tactics. Do they really thing we will pay 6X the amount of the loan? We had not been contacted by NAVIENT prior to this letter.I guess my complaint, then, is the business practices of both XXXX and NAVIENT. This falls just short of internet scams and phone calls to " little old ladies '' telling them if they do n't pay there gas bill on time they will come for their house! Thank you for listening.
Consumer complaint received 2017-03-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

Upon a surprise transfer of my loan in XXXX, I contacted LoanCare to make a principle only payment and have my escrow account closed and have escrow stopped from my loan payments. I followed their instructions, went online and made a {$10000.00} principle only payment. At that time the statement said my first payment was due XX/XX/XXXX. I then wrote in, requesting my escrow account be closed. 
I only received a credit for part of my principle only payment, {$8000.00} instead of {$10000.00}, and because I had set up automatic payments, they have debited more payments than were due. They have also continued to debit escrow payments despite my written request that it be stopped. 
I have attempted to contact them and have not been able to contact a human to help. Written requests have not been answered. XXXX has also attempted to contact them on my behalf to no avail. 
I am paying interest on principle that I have paid down, extra payments have stolen from my bank account, and they have ignored all of my communication.
Consumer complaint received 2015-07-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have the same bill reported XXXX times on my report. 
Act # XXXX & XXXX are duplicates. 
Med XXXX XXXX XXXXXXXX {$290.00} XX/XX/XXXX-XX/XX/XXXX
Consumer complaint received 2017-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I was doing automatic payments via my bank check account, my school enrolled me in school again and Navient, instead of calling me or email me to the designated email I assign to contact me, they did deferment of payments when I started the school enrollment accruing taxes. At the time my school enrolled me, I was taking care of my Daughter, she got really sick in those days going on and off from the hospital for 4 months ; finally on XX/XX/2016 she got XXXX and now is doing better. They made all this changes in that period of time. Since was an automatic payment, I did not care to check if they were taking the money of my account or not. Recently when I needed to take a copy of my XXXX I noticed the interest was XXXX to deduct from my loan, I contacted them and they told me they sent me emails to my primary email which they never did about the deferment of payments. Today I saw that they sent me emails to my Navient 's account. I am still a student and will be in the next months until XX/XX/XXXX, and I received a letter that I will start my payments in XX/XX/XXXX, So if by law they need to defer payments while you are enrolled in school, why they will restart the repayments in XX/XX/XXXX. I told them is not fair they did not notified me and they told me I needed to know the rules about payments. Their answering service for claims is an outsource company and you can not speak with a manager. I think they need to be punished not notifying clients about changes in their accounts to their personal emails. In my profile its stated which is my preferred email to be contacted and they did not do it as requested. Also, when I was a student, I chose the option to pay my interests monthly while in school, they never contact me for payments and they accrued a considerable amount of money, you can check the documents they should have on file. Also they need to be penalized for not following the borrowers wishes and choices. I come from XXXX, everything with loans is new for me. I think that they purposely do not explain things so you pay more interests. Thanks, My phone number is XXXX, My email is XXXXXXXXXXXX
Consumer complaint received 2021-08-31
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. (NJ)

After reviewing my credit report I found many inaccuracies. The following accounts are inaccurate, yet your company continues to report inaccurate information to my consumer report. Under the provisions of the FCRA I am demanding that your agency proves to me in writing the accuracy of the reporting of the inaccurate accounts listed below. 
By law you have 30 days to provide me with proof of accuracy or these inaccurate accounts must be removed from my report. I have sent this complaint through the CFPB so it is timestamped, and I have attached my license and proof address to this complaint, and the CFPB sends me copies of this complaint so I have proof if need be, so I expect a prompt response from your agency. In the event that your agency fails to respond with the proper documentation that I, the consumer, has requested within the 30 day period, as a consumer I will follow up with whatever action is necessary as you will be held legally responsible for noncompliance under the Fair Credit Reporting Act, 15 USC 1681n. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2016-09-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have contacted Transunion on several occasions asking for them to validate that XXXX debts are LEGALLY entered on my credit report. I have personally contacted these XXXX companies and asked them to present me with a contract that states that I owe them money or that I am legally obligated to pay them. Per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) this company must be able to present a contract between themselves and me in order for them to report on my credit. They have been able to produce no such agreement. They are illegally listing entries on my credit reports. Transunion is complicit in allowing this. Each time I ask Transunion to validate these debts they simply come back as " verified ''. I am not sure how this is as I have contacted these companies personally on multiple occasions asking for proof that I have an agreement to pay them and they have not been able to offer it. What is the method being used to " verify ''? 

These companies are : 1 ) XXXX XXXX - provided a contract from a third party that I could not verify, however there is no agreement between myself and XXXX XXXX. I do not owe them any monies. 
2 ) XXXX XXXX 3 ) XXXX XXXX Bank It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violations of the FCRA and defamation of character. I have lost opportunities due to this illegally reported information remaining on my credit profiles.
Consumer complaint received 2022-11-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (OK)

I disputed all 3 in XX/XX/2022, if I am correct. AMERICOLLECT Last reported XX/XX/2022 {$1300.00} Open balance XXXX XXXX XXXX  Original creditor Opened XX/XX/2022 ( XXXX mos ) AMERICOLLECT Last reported XX/XX/2022 {$1000.00} Open balance XXXX  XXXX XXXX XXXX Original creditor Opened XX/XX/2022 ( XXXX mos ) AMERICOLLECT Last reported XX/XX/2022 {$500.00} Open balance XXXX  XXXX XXXX XXXX Original creditor Opened XX/XX/2022 ( XXXX mos ) A new federal law, the No Surprises Act, protects you from : emergency out-of-network medical bills including air ambulances, and non-emergency services at an in-network facility. 
It applies to self-insured health plans offered by employers as well as health insurance companies that offer fully insured individual and group plans. 

A facility ( such as a hospital or freestanding emergency room ( ER ) ) or a provider ( such as a doctor ) may not bill you more than your in-network cost sharing amount for emergency services, without requiring prior authorization.
Consumer complaint received 2016-11-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX is still showing on your credit report stating that there is a balance of {$940.00} on XXXX/XXXX/XXXX i sent a letter requesting validation but received a return letter on XXXX/XXXX/XXXX stating that they sold to another company, XXXX XXXX XXXX on XXXX/XXXX/XXXX this account should not be on your report and I want it removed. Immediately. I have since sent another letter on XXXX/XXXX/XXXX to XXXX, still listed on my credit file and XXXX XXXX onXXXX with no response.
Consumer complaint received 2017-03-30
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (MD)

Seterus has been stringing my along with a loan modification since XX/XX/XXXX. All documents were received and the trial payments were complete. They informed me my Quit Claim Deed was invalid, because my ex-spouse ( who filed bankruptcy ) signature is not on it, but rather his bankruptcy trustee signed the deed on his behalf because he surrendered his rights to the property. The bankruptcy trustee has the authority to act on the ex-spouses behalf. I purchased his shared of the property from his bankruptcy trustee and a new deed with only my name was recorded in the County and at the Bankruptcy court. 7 months later and Seterus has still NOT approved the modification and found every excuse to not move the modification forward .I contacted XXXX ( XXXX ) to assist with an affordable loan modification on XX/XX/XXXX and ALL documents, RMA application, pay stubs, XXXX, hardship Letter, utility bill, HOA statement were all sent in to Seterus, I even signed the third party authorization to allow the rep from XXXX to communicate and negotiate an affordable mortgage for me. I also contacted XXXX to make a complaint against Seterus. XXXX is completing an investigation. I recently received a letter from Seterus stating my escrow account had a surplus and because my account was delinquent, the funds would be held. Seterus had to respond to my complaint w/ XXXX , and now Seterus is stating that I need to pay {$4800.00} for escrow shortage, if I want them to honor the OLD MODIFICATION that was submitted in XX/XX/XXXX. How do I go from having an escrow surplus for nearly {$1800.00} to a {$4800.00} shortage?? XXXX submitted a mod packet on my behalf for an affordable mortgage and affordable payments but Seterus has NOT replied to the XXXX modification package that was sent on XX/XX/XXXX. All supporting documents were submitted and Seterus acknowledged receipt of ALL required documents. Is there a timeline where the mortgage company has to reply to XXXX proposed modification packet? It appears that I have not been able to get any concrete answers or responses and would like help with expediting the XXXX modification.
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (LA)

I have sent certified mail four times to Equifax ... I 've been disputing UNVERIFIED accounts on my credit report. I 've followed their protocol request to contact creditors per my phone conversation with Equifax dispute department on all unverified creditors. Every creditor have advised me that they do n't and will not contact credit bureaus under any circumstances ... They only give information once bureau requests info from them. If this is the case why Is n't the requested information I 've been requesting honored ... This inaccurate/derrogatory information is sincerely hindering my ability to refinance my properties which ballon payments are coming due in XX/XX/2017. I 've been fighting with Equifax since XXXX of this year 2017. They 've not addressed any/all the derrogatory information in my credit report as of XX/XX/2017. I 'm requesting assistance in this delicate situation. Thanks.
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have written and requested that Trans union, XXXX and XXXX and asked them to please remove the incorrect addresses from my report and also to remove all Hard Inquiries from my credit report immediately! 
The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
Trans Union The following HARD credit inquiries are related to none of the aforementioned permissible purposes : 1. XXXX XXXX ... 
XX/XX/2016 2. XXXX XX/XX/2016 XXXX. XXXX XX/XX/2016 4. XXXX XXXX XX/XX/2016 5. XXXX XXXX. XX/XX/2016 6. XXXX XX/XX/2016 7. XXXX XX/XX/2016 8. XXXX XXXX XX/XX/2016 9. XXXX XXXX XX/XX/2016 10. XXXX XXXX XX/XX/2016 11. XXXX XXXX XX/XX/2016 XXXX. XXXX XX/XX/2016 These were No firm Offers of Credit Please remove these inquiries from my credit report immediately. I have enclosed a copy of my driver 's license as proof of identity. 
XXXX Account Name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX
Consumer complaint received 2017-04-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (VA)

Transworld Systems Inc. ( www.transworldpayments.com ) continue to call my home, harass my family, and send me letters for a debt of {$120.00} for a medical bill that I paid over a month ago! I have shared the receipt, and yet they continue to harass me.
Consumer complaint received 2016-10-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: VIRTUOSO SOURCING GROUP, LLC. (TX)

A debt that has already been waived & credited on a utility bill, has been taken care of as of today- XXXX/XXXX/2016. This issue of what I DO NOT OWE has been put on DEBT COLLECTION thru Virtuoso is still on my credit report- I do n't owe a XXXX- I need this company to take this debt out of collections, this has been resolved as I say it again, has been credited & I need Virtuoso to correct my credit report NOW. XXXX balance is what is NOW.
Consumer complaint received 2021-08-31
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. (NY)

I have looked over my credit report and there are fraudulent accounts on my consumer report that are fraudulent. Any unathorized account is considered identity theft. Under the FCRA written by congress at the receipt of an identity theft report, which is attached, a consumer reporting agency has 4 business days to block these fraudulent accounts. I, XXXX XXXX did not receive and will not receive goods, services, nor money for this block. Neither was this request made by error nor is the identity theft report a misrepresentation of fact being that it is directly from the Federal Trade Commissions website, who by law is authorized to enforce compliance. Therefore there is nothing preventing the blocking of these fraudulent accounts as said so by congress under the FCRA. Unless your consumer reporting agency is able to provide me, XXXX XXXX who is the consumer, a proof of validation of any of these alleged debts from the creditors within 4 business days, there should be NO reason why I would have to wait for an investigation with the creditors/furnishers before the necessary blocking of these fraudulent accounts. NO company policy is above FEDERAL LAW. With that being said there should be NO comments on my consumer report saying that these fraudulent accounts are in dispute, especially since I, the consumer DID NOT request for these accounts to be disputed but blocked, and I have also provided everything needed, pursuant to 15 USC 1681c, for this fraudulent information to be blocked no later than 4 business days. Please also mail me confirmation of this block along with an updated consumer report showing this block. Along with this statement, I have attached both the identity theft report and proof of my identity which is my license and proof of address. The fraudulent accounts that need to be blocked are listed below. 

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