davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-13
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: JPMORGAN CHASE & CO. (NJ)

I filed a complaint with the CFPB last year in regards to my chase private student loans and my inability to repay at the current monthly payment. Chase was willing to negotiate to a certain extent and granted me a temporary deferment period. My request to Chase was to lower my monthly payments which was disregarded and as a last resort I signed the deferment paperwork to get some relief. The paperwork that was sent to me was requested to be returned by Chase, even the paperwork with new loan terms which they would not allow me to keep. I sent all signature pages in but they would not grant the deferment until I sent in all the paperwork including the new terms of the loan. I currently have no documentation showing the new loan terms after the papers were signed let alone what my monthly payment will be. I sent in a letter to CSL on XXXX/XXXX/15 requesting to lower my monthly payments being that the deferment period was coming to end relatively soon - I did not get a response from Chase. I made it as clear as I possibly could that I would not be able to afford these monthly payments for the next 20 years. I have no way of paying the original monthly payment and Chase has not provided any documentation showing my new monthly payment.
Consumer complaint received 2019-12-06
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: 21ST MORTGAGE CORP. (AZ)

It took three months to close on this mortgage. After illegally demanding additional documents, the XXXX XXXX  in charge of this company then demanded copies of personal drivers licenses. The company 21st Mortgage is headquartered in Tennessee, where such activity seems to be fairly common. After three months of complete negligence, XXXX harassment and incompetence, the final check was then made out to the wrong entity.
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (FL)

There was unauthorized credit card charges on the account, also someone was added to my account with out my permission I told the credit card company and they are not working with me to fix the issue. Also identity theft was taking place on my account with out my permission someone have stole my phone number email address social security number date of birth and used it to make fraudulent identity theft over the time, there was an authorized user addeded to credit card account with my authority and was making fradulent charges on my account and now the credit card company is holding me responsible for the charges on the account. 
thank you.
Consumer complaint received 2023-03-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Dividend Finance Inc. (OH)

Initially a complaint was filed with the XXXX  with no resolution. The XXXX  complaint number is XXXX. This started as a business arrangement amongst three parties. The parties are the contractor ( XXXX XXXX XXXX ), the financier ( Dividend Finance ), and the consumer ( myself ). It took the contractor XXXX months to provide an install date from XX/XX/2022 to XX/XX/2022. This was despite the contract stating an install date of XX/XX/2022. This was issue number one. Issue number two On XXXX XX/XX/2022, the contractor misrepresented the system 's status and functionality to the financier in order to receive compensation. 
Also, on XXXX XX/XX/2022, via email, I notified the financier the system was not whole and not functioning as intended and that under no uncertain terms should the contractor receive payment. This is when the financier then altered the terms of the arraignment. Instead of exercising a modicum of due diligence and investigating my concerns, the financier released funds to the contractor anyway. Thereby putting the contractor 's interest above the consumer, this action deprived the consumer of equality in this arraignment. On several occasions, I spoke with and emailed the financier 's employees and stressed that they should do more to get the contractor out the correct my system 's issues. They did not do enough. The financier was under the misconception that they could compel the consumer to pay for an inactive system that was not functioning as intended. 
This situation continued for XXXX months and has resulted in Dividend Finance entering negative information on my credit report.
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (MA)

Equifax is reporting two fraudulent inquiries on my credit report. one is from XXXX XXXX  XX/XX/XXXX and the other is from XXXX XXXX XXXX XX/XX/XXXX. I have not personally done business or given any permission for these companies to pull my credit. These inquiries need to be deleted from my report immediately or I will be pursuing legal action with my team. Ive already disputed and Equifax did not do any investigation.
Consumer complaint received 2018-05-28
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: Experian Information Solutions Inc. (SC)

I've been trying to get XXXX to validate this debt is mines since XX/XX/XXXX and they haven't made an attempt to validate this debt. So I've compared the information on my credit report about XXXX and this account was sold to XXXX but is still reporting on my credit report. This company iOS reporting different information to different credit bureaus and it's affecting my credit. It's bad enough I've never had and installment loan with them but now this information their reporting is affecting my credit. On XXXX it's shoes last payment as XX/XX/XXXX but XXXX it's showing last payment for XX/XX/XXXX. It's was reported on XXXX XX/XX/XXXX and updated on Experain XX/XX/XXXX. On XXXX it's showing this account was closed XX/XX/XXXX.
Consumer complaint received 2022-03-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2022 I submitted a negotiable instrument along with a remittance coupon to set off XXXX 's monthly statement. Your offer was accepted in the amonth of {$4300.00} for the value and consideration and tender the payment for thr complete amountand accord satisfaction. Per UCC 3-603/ 3-311 upon redeeming the instrument. 

Once accepted for value, the enclosed instrument is a lawful specie of payment under UCC 3-104, which can be used to credit/ off-set the balance of account. 

On XX/XX/2022 the account was only credited {$1.00}. You are in violation of 12 CFR 1026.13 and UCC 3-501. 

I have informed the company and gave ample time to correct the billing error. We are well beyond a month now. Despite my urgency due to it's time sensitivity, I have not been given thr proper due process into this matter, and my credit image is damaged daily. Also financially I am experiencing a great deal of stress not having access to a main credit line. I incurred paying higher fees using other cards to compensate for the lack of not using my Wells Fargo Card.
Consumer complaint received 2020-03-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (FL)

The vehicle has been deemed a total loss and the insurance company has sent them a check to payoff the vehicle. They still have not updated the account and I continue to still pay. I cant get in touch with anyone from the company as to how long it is going to take the check to clear.
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL (WA)

Was approved for asynchronys Venmo Visa Credit Card. 
Tried to activate the digital card using the last XXXX of my social security number. 
Received an error message saying the last XXXX was incorrect. 
Reached out to support about changing the social security number on file. Responded with a chat saying a letter will arrive in the mail to authorize. 
Filled out form. 
Waited 30 days called support about the letter, notoriously difficult customer service over the phone. Received a letter saying they are unable to verify my social security number. 
They ended up closing my account.
Consumer complaint received 2023-03-29
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. (AZ)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : 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
Consumer complaint received 2023-03-29
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. (AL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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
Consumer complaint received 2023-03-29
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-26
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiry listed below still remains on my credit report in violation of XXXX XXXX. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE INQUIRY COMPLETELY FROM MY CREDIT REPORT : XXXX of inquiry XX/XX/2020
Consumer complaint received 2019-12-08
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: Instarem PTE Limited (GA)

Hello - Recently i got myself signed up with a remittance service called 'Instarem ' by providing my identity information ( DL/SSN/Address ) and relevant copies uploaded in the service portal.. After having bad customer service on some sign up related issues, i decided to exit out from the service.. I have not done any monetary business with the firm and it was just a sign up and personal information exchange till then.. Based on my decision to exit, i asked service company to immediately close my online account and purge all my identity related documents and information that are electronically held.. I insisted repeatedly many times but company 's support service kept on spinning the issue and unable to answer satisfactorily for the reason holding on to personal data despite of no monetary business.. I did not recall signing any consent form nor firm 's support service were able to direct me to the regulatory need that stipulates holding personal data for unforeseeable future.. They caused me immense stress having my personal information held hostage and wasted my time in follow ups back n forth I'm extremely nervous and do not approve my personal identity being under possession of a third party and in this case with the firm 'Instarem'.. I request CFPB to help me in going after to resolve my concerns and address my demand of getting my personal electronic data purged from systems I raised a cfpb case before and the response came out as due to BSA regulation but I wanted to know the specifics of the regulation that stipulates holdings electronic personal records just for signing up for a digital service. I want a copy of regulation pdf pointed to specific page and section.. My prior complaint was closed for some in appropriate reasons and therefore Im opening new one Date of Issue : XX/XX/2019 Company Name : Instarem Company Type : Remittance Service Email communication exchanged with support team attached Thank you
Consumer complaint received 2022-08-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (MO)

My previous landlord assesed move out charges in XX/XX/2021 that I disputed. They turned these charges over to Hunter Warfield for collection. I disputed the charges with them as well within 30 days. They sent me photos from my previous landlord and then reported the charges to the credit bureaus. My credit score as dropped significantly because of this making it difficult for me to get a loan for a new vehicle which is affecting my business. I have video of the apartment when i moved out that disputes the charges assessed. XXXX XXXX XXXX now XXXX XXXX assessed these bogus charges as retalition against me because the property manager and I had disputes while I was living there. I disagree with the charges Hunter Warfield is attempting to collect and that is reporting to the credit bureaus. I have video to dispute the charges.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Equifax is sabotaging my credit file for disputing as you will seek in the attachments. 

Equifax is stating that none of my accounts have a delinquency or derogatory status in green, on the same page in red they claim i have too many delinquent or derogatory accounts! 

Contradictory reporting! Fix my status and give me back my excellent credit score! 

I have over XXXX Accounts with 100 % payment history!
Consumer complaint received 2020-03-10
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. (KS)

On XX/XX/2020 and XX/XX/2020, respectively, I mailed letters requesting validation of debt to XXXX XXXX XXXX and XXXX XXXX / XXXX XXXX. XXXX XXXX XXXX refused to provide validation of the debt and instead and mailed me a letter instructing me to contact XXXX XXXX / XXXX XXXX. I mailed validation request to XXXX XXXX / XXXX XXXX   to which they did not respond within 30 days. 

As such, I am writing to request you delete this account from my credit report as neither reporting company validated that I owe this debt. 

Creditor : XXXX XXXX XXXX / XXXX XXXX Account # : XXXX
Consumer complaint received 2020-03-10
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: ALLY FINANCIAL INC. (NJ)

Ally Financial bank is reporting on my personal credit report, but this account belong to a Person named XXXX XXXX  XXXX. I have a few letters in my file that show that on the XXXX of XX/XX/2018 they sold this account to XXXX XXXX XXXX, but together they sold also all my personal confidential informartion as SSN, phone number, mailing adress etc etc. I contacted Ally and 2 representative told me they couldn't find any account in their file under my name. I have disputed this account true the 3 mayor credit agencies many times but Ally Financial denied to delete this account from my credit report. I have requested in previous ocations to send me the original signed contract of this account and also any document that shows they have the right to sell my personal information. Till this day no response from them. I DISPUTED XXXX  AND THEY DELETE THEIR ACCOUND FROM MY CREDIT REPORT
Consumer complaint received 2020-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (IL)

This collection has been repeatedly reported to my credit file.This is the third company to buy this account and report it..I have formerly filed a complaint with the CFPB about this account when it was owned by another collection agency and it was successfully removed twice before ... It was deemed a " frivolous '' collection by XXXX on XX/XX/2020 after being investigated ... Neither former owner of this collection has been able to legally validate this debt as belonging to me ... Furthermore, Contract Callers Inc. never issued me written notification of any kind to inform me of an attempt to collect this debt before reporting this collection to two of the three major credit reporting agencies. I find it reprehensible that I have to constantly defend myself against a debt that does not belong to me and keeps getting passed from one collection agency to another and being reported to my credit file to the detriment of my credit rating ... I have also file disputes with the bureau 's with the grievance of this being a violation of the Fair Credit Reporting Act as a frivolous account ... I ask that the CFPB respectfully investigate this issue.The Fair Debt Collection Practices Act does not give this company or any collection agency the authority to force me to consent to contract with them. This company has not shown me their lawful authority to enforce an alleged debt claim against me to my detriment without my consent. Furthermore, This company is in violation of the Fair Debt Collection Practices Act by the use of misleading representations and unfair and deceptive practices in the attempted collection of a debt.
Consumer complaint received 2016-02-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

Ocwen Loan Servicing LLC have been over charging me for escrow account by {$4900.00} per year. I have talked to ocwen call center staff in XXXX numerous times to resolve this but they have not resolved this issue and they are not able to communicate in this regard.
Consumer complaint received 2017-02-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: ECMC GROUP, INC. (NC)

To Whom It May Concern, Been trying to text and call XXXX and ECMC but no response to contact, They mailed whatever to wrong address with wrong name. 
I have been through bankruptcy, loosing my house and all personal items, and moving to a better paying position. Called ECMC and told them I was not paying on this bill they labeled XXXX. In XX/XX/XXXX Married and XX/XX/XXXX graduated using XXXX. So big issue of who signed the paperwork. He forged my name to Fed and State Income tax as well. Called they refused to even change the name. There is no such person as XXXX. They have set payment beyond what I could do, question of who signed it, and how to get it turned around. Considered an Attorney for damages. 
I am doing well now, turned things around, and having more income. Want to get on with things. But I will not pay their interest on this for the past 16 months of sending infor to wrong address, question of who signed it, and in wrong name. They do not respond with any contact. I was striped financially period.
Consumer complaint received 2023-03-29
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)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX DC XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3300.00} XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} 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  Balance : {$9400.00} XXXX XXXX Balance XXXX {$910.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX