davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have both violated my rights M15 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the
Consumer complaint received 2016-05-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (IA)

Hello, Navient has continued to call and harass me asking for my son 's contact information. They have all the information I have. I have called and asked them to stop. I sent a certified letter demanding they stop contacting me. I filed a complaint with the CFPB, and as you can see in their response below they stated they would stop calling me unless it was in regard to co-signed loans. They have now contacted me twice since the attempts to reach me noted in their response, once on my home phone and once on my cell phone regarding my son. They were not calling about co-signed loans as I ensure they are current. I believe legal action is required at this point. 

" This is their response where they stated they would stop calling, a promise they have also made over the phone. We reviewed your concerns raised to the CFPB and attempted to reach you on XXXX XXXX and XXXX XXXX, 2016 to discuss these concerns in more detail. Unfortunately, our attempts were unsuccessful and we have n't received a response to our outreach. 

While we were n't able to talk with you directly, we can share that our review of your account determined that you are the cosigner of a Private Tuition Answer Student Loan and XXXX Private Signature Student Loans for XXXX XXXX XXXX. These loans are current. 
You are also listed as a reference on additional private loans that XXXX XXXX has with us. For this reason, we were contacting you regarding XXXX XXXX 's account. We have updated our system so that you are only contacted regarding the loans that you cosigned for XXXX XXXX. 

Thank you for sharing your experience with us. We apologize on behalf of Navient for any inconvenience this may have caused you. We strive to continuously provide excellent service to all our valued customers, and your feedback will help us reach that goal. ''
Consumer complaint received 2016-08-18
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC (MA)

I was viewing my credit scores on XXXX XXXX because I have been rebuilding my credit after a bankruptcy many years ago and all of a sudden I saw my credit score dropped almost XXXX points. I had no idea why because all my bills have been paid on time for a long time now and I have even gotten new accounts. So the day I was looking some company called Cavalry portfolio had reported me to the credit bureaus that I owe them over {$4000.00} I had no warning from them, no contact from them just a notice on my credit report that it was sent into collections. I want from them to one stop bothering me through my credit reports I am taking this " Account in collections '' as a threat- I want this in collections taken off my credit report and if for some reason I do owe them money I want them to validate to me without a doubt how I owe them money. I want to know if this is a old debt from my bankruptcy and OR where this debt originated from, because I have no remembrance of it or this Cavalry portfolio. Their tactics are VERY UNPROFESSIONAL and unreasonable.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2015-07-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

My mortgage loan is serviced by Ocwen Loan Servicing , LLC . I suffered water & mold damage, resulting in an insurance claim. Ocwen required me to mail the insurance check to Ocwen so that Ocwen could monitor the repairs and pay me. Ocwen requires an inspector to inspect the repairs before issuing payments. On XXXX XXXX and again on XXXX XXXX, 2015, Ocwen employees assured me that they ordered an inspection while I was on the telephone with the Ocwen employees. Today, XXXX XXXX, 2015, 9 days later, Ocwen informed me they " forgot '' to order the inspection. Ocwen is telling lies. Ocwen employees assured me an inspection had been ordered while I waited on the telephone with Ocwen employees. How could Ocwen have " forgotten '' to order the inspection when the Ocwen employees told me the inspection had been ordered while I was on the telephone with Ocwen? Ocwen is intentionally, purposely causing me severe emotional distress and damaging me. My contractor is threatening to quit. My tenants are threatening to sue me for breach of the lease. Ocwen refuses to pay, when the insurance proceeds are my insurance proceeds. I need immediate help. My contractor is threatening to quit. My tenants are threatening to sue. Ocwen now says it will be another 5-7 business days just to contact the inspector, then additional days to schedule the inspection. Meanwhile, Ocwen refuses to pay money which is owed to me.
Consumer complaint received 2015-04-30
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (PA)

I was contacted by mail from Midland Funding , Inc XX/XX/XXXX concerning a debt I owed to XXXX XXXX. I only had a {$400.00} limit. We ran into difficultys making the payments. But husband went on XXXX of that year. My husband did try to make payments on line but they would only accept the max. Last payement was XX/XX/XXXX. Not sure of this payment my husband may have made it over the phone to XXXX XXXX collection. Midland harrassed us with repeated phone calls at least XXXX times a day. I did send a letter to cese. The calls did stop but then started by up at a later date. My husband is on XXXX now for 2 yrs. We have had many hardships at this time. Plus we are raising XXXX grandchildren a girl XXXXyrs. and a boy XXXX yrs. old. We have had them now since XXXX XXXX because of this we have had very hard times. We are good people but have not had it easy. I was sent a a Civil Action Hearing notice from our magistrate from a complaint from Midland to appear on XX/XX/XXXX. Which I did appear to defend myself. We could not afford a lawyer. I asked to see a copy of the oringinal copy of the assignment and it was just a copy of it and did not look that athentic. My feelings are I only had a {$400.00} limit. I feel I should not have to pay for $ 500s of interest. I did ask the lawyer if he could lower it and he said no. I did sign a form to make payments of $ 20s a month. But that is almost too much. I do not have an income and my husbands XXXX. And the cost of food alone is so high. My husband has had XXXX XXXX in 3 yrs. XXXX and XXXX. So it has not been easy. My stress lever alone has been high due to all this. I feel Midland is an unfair corportation to prey on good people who have run into financial difficulties beyond their control.
Consumer complaint received 2023-01-09
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. (GA)

I AM A VICTIM OF IDENTITY THEFT. I FILED AN FTC COMPLAINT AND WILL ATTACH THE REPORT. I SENT LETTERS TO ALL 3 CREDIT BUREAUS XX/XX/22 AND XX/XX/22 AND MY REQUESTS FOR VALIDATION HAS FALLEN ON DEAF EARS. I DON'T UNDERSTAND HOW A COMPANY CAN REPORT INACCURATE INFORMATION WITHOUT SENDING ANY TYPE OF VALIDATION ESPECIALLY WHEN IT'S BEEN REPORTED THAT THIS IS POSSIBLY A FRAUDULENT ACCOUNT. PLEASE HANDLE THIS IN A TIMELY MANNER AND REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY :
Consumer complaint received 2022-05-25
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 Received a letter from XXXX XXXX company stating my information had been leaked in a data breach on XX/XX/XXXX. I since have started looking at my credit and noticed several hard inquires for loan, home loans, and auto that I never performed or asked these companies to run my credit. I have called all credit burros to report the issue and have these inquires removed with no solution and are still reporting on my credit. I have also called each company and they have stated my information was entered online. 

Inquires are from : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX There is also a double account for {$87.00} the original creditor was XXXX which is still reporting to my credit file as passed due then there is also a XXXX XXXX which bought this debt from XXXX. I have settled with them and the debt is paid i would like both removed from my report.
Consumer complaint received 2015-10-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I 've tried to apply for a loan and was denied. Then i tried to obtain my credit report to see why, and Transunion failed to supply me XXXX. They said that they need more information from me. Such as driver license, bank or credit union statement, cancelled check etc ... I 've sent them another letter stating that first of all they are a privately held company no different XXXX, and they are in business of selling my private and financial information for profit and i do not wish to supply them with any more information than my name, ssn number, address, and signature. Even that did not help they still sent me a generic document asking for more information. If i were to go on their website and buy it, i would not be required to supply any of that information and they would be happy to supply me with that report but for money. They are denying me of my right to my report.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

It has been a battle going through all these and I am submitting this CFPB complaint requesting to the Credit Reporting Agencies to delete the disputed erroneous accounts completely from my Credit File. I have been asking the Credit Bureaus to remove the the disputed items to correct my Credit File and send me copies od proof of verifcation if the Credit Bureaus claim that the disputed items accurate and verified. However, the Credit Bureaus have been disappointing me and have failed to send me copies of such documents I have been asking from them. I have also been sending dispute letters to the Credit Bureaus attached with complete documents of proof of identity. I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted and requesting the Crediet reporting Agencies to remove the disputed account before I am forced to take legal actions. Once again, please remove the following items completely from my Credit 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
Consumer complaint received 2015-07-30
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY (NJ)

On XXXX XXXX, 2015, I received a call about irregular activity taking place with my TD Bank debit card on XXXX XXXX, 2015. I was n't aware that I was missing my debit card until that time, and I confirmed with them which transactions were made. They told me I had to wait until those transactions posted for me to file the dispute, which I then did as each of the XXXX items posted. First item was a {$400.00} transaction at a pharmacy. The XXXX item was a {$220.00} charge at a restaurant in XXXX. The third transaction was at a XXXX for about {$4.00}. The fourth was another XXXX XXXX transaction for about {$3.00}. And the last was a {$16.00} cab ride in XXXX. All happened on the same day, but posted at different times. They immediately closed the card though. On XXXX XXXX, I called to check the status of the dispute, and found that the bank rejected the claim. The reasons for the denied claim were : 1 XXXX The transactions took place within XXXX minutes of an undisputed transaction ; 2 XXXX there were no attempts to use the card after it was closed ; and 3 XXXX my history at one of the terminals. 

Now, I am taking a board review course in XXXX XXXX, NY. 19 minutes within XXXX XXXX could be anywhere in XXXX, XXXX NJ, the XXXX, XXXX, or XXXX. Also, all the transactions were done on the same day, which was the XXXX, though they each posted on different days. Just because the thief did n't attempt to use the card the next day, does n't mean that it was n't fraudulent. Is it inconceivable that this person knew that they only had a limited window of opportunity to use the card? Lastly, just because I used the card at one of the same locations, does n't mean that it could n't be used at that same location. I used it for a {$55.00} transaction a day or two before at XXXX XXXX pharmacy. The fraudulent transaction at the same location was for an amount of {$400.00}. I 'm not sure how or why that could be held against me and validate a rejection of a claim. 

Anyhow, after the first rejection, I filed a police report. Then I resubmitted the fraud claim, and it was denied for the same exact reasons. That is why I 'm contacting the consumer financial protection bureau. Please help.
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (WA)

I noticed on a statement for my Barclay 's Old Navy card that there was a charge that I didn't authorize or make. 

On XX/XX/2022 I called Barclay 's Old Navy to report a fraud charge because upon checking my credit report I found a charge on the credit card I did not make. I filed the report and was assured it would be taken care of in a timely manner. 

I continued to received phone calls and emails for me to pay the amount, so I called the fraud department with Barclay 's Old Navy and spoke to XXXX on XX/XX/2022. She assured me it would be taken care of, the late charges removed and it wouldn't be reported on my credit report. 

On XX/XX/2022 upon checking my credit report, it was indeed on there and took my score down significantly. So, I opened a dispute. 

On XX/XX/2022 I received a response from Barclay 's Old Navy stating they believe their information is being reported correctly and they would note my dispute to the credit union. 

I paid the account in full this week because I can't continue to allow my credit to be destroyed. My career depends on my good credit. So, on XX/XX/2022 I paid {$150.00} on a charge that I did not make in order to keep my credit good because Barley 's Old Navy has incorrect records.
Consumer complaint received 2016-03-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R & B Corporation of Virginia (VA)

I had a XXXX XX/XX/2014. I was sent a copay in the mail that I forgot to pay until XXXX 2014, then I paid it. The bill was {$90.00}. Since then I have had a mark on my credit report for an unpaid bill of {$900.00} to Credit Control Corporation. This has been two years, I paid my bill and have had a lowered credit score and sent out to collection anyway. For two years this has lowered my credit score to XXXX, I need this resolved!
Consumer complaint received 2023-01-27
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. (MI)

In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX  : Account number XXXX. 
XXXX XXXX : Account number XXXX. 
XXXX : Account number XXXX. 
XXXX XXXX : Account number XXXX. 
XXXX XXXX : Account number XXXX. 
XXXXXXXX XXXX : Account number XXXX. 
XXXXXXXX XXXX XXXX XXXX account number XXXX. 
XXXXXXXX XXXXXXXX : Account number XXXX. 
XXXXXXXX XXXX : Account number XXXX. 
XXXX XXXX XXXX XXXX : Account number XXXX. 
XXXXXXXX XXXX XXXX : Account number XXXX, has violated my rights. 
15 U.S.0 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.0 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-09-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

When I opened my accounts at Santander late last year, the manager of the XXXX branch told several lies during the process. XXXX key ones were 1 ) that I had to open XXXX accounts -- that was the current offering and 2 ) that he could give me the same overdraft credit that I had at my previous bank. He said very clearly that that was already approved. Several months later, I 'm not working and not making direct deposits. As a result, I 'm overdrawn and have been receiving phone calls from the bank, and am paying maintenance fees on XXXX accounts. While the current manager has been sympathetic, I do n't feel that Santander is fully responding to such a serious problem. 
In the short term, I would like all my account fees paid to date to be refunded and for an emergency line of credit to be extended. I was told that I had access to {$2000.00} in credit, and Santander should honor that even if the proper application was not taken. In the long term, I would like Santander to contact every customer who opened an account during that period at that branch and verify that they understand the products they purchased and that they have what they were told they have.
Consumer complaint received 2015-12-17
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc. (AZ)

I am refinancing my home and have mortgage insurance. My current mortgage provider is Seterus Inc. Loan number : XXXX. I have requested a copy of my current mortgage insurance certification. I have personally called 8 times and have spent about 6 hours on the phone only to be put on hold, transferred and then never provided what I am requesting. This is holding up my refinance and rates are going up. I would like a copy of my current mortgage insurance sent to me directly XXXXXXXXXXXX or fax to me XXXX XXXX asap. I also file a complaint a month ago with no response.
Consumer complaint received 2016-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Trans Union continues to list a, " Bankruptcy '', on my credit report which in fact is not correct. Please view the screen shot of another agency and they report, " Never Have filed Bankruptcy ''. I have asked them to correct the listing Via their web portal, but appears that they are issuing auto robotic responses that state it has been confirmed. How can it be confirmed if it never happened? 

Also, I think the time of the listing is past the 7 year allotted time. I am trying to qualify for a home loan and this is seriously damaging my ability to be able to qualify and it is incorrect to start with. I greatly appreciate your efforts. 

This is the screen snip from the XXXX reporting agency that states that I have not Bankruptcies, and shows the only negative reporting item is a Lien that I am in the processing of settling, that is mine. 
Thank you again for your help. 

I will uploaded as a document to show this.
Consumer complaint received 2015-03-31
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (DC)

I had a FirstUSA credit card for a very long time. Somehow in XXXX or XXXX XXXX, Chase took over and issued my credit card statement without giving me a notice. I have never received a chase credit card and the customer service claimed that after Chase and FirstUSA merged, they tried to send me a card but was returned. Chase charged me interest about $ 50- {$60.00} a month from XXXX XXXX until today. In XXXX XXXX, I sent out {$1000.00} payment so my balance reduced to {$3300.00} in XXXX. After this XXXX statement, I did NOT receive any account statements. Instead, Chase sent me a letter saying that I authorized them to deduct $ 100 monthly out of my XXXX Bank account from XXXX XXXX. I do NOT recall that I have ever given such authorization and Chase bank refused to provide any form or proof. Moreover, after the allegedly end month of the authorization in XXXX, Chase continuously cease $ XXXX {$60.00} a month without giving me any statement or notification. I found out about this in XXXX XXXX and I stop XXXX Bank from making any further payment. Chase bank customer service team start calling me on Saturday morning and keep sending me mails about the returned payment, but still did NOT provide any statements or authorization form that I requested long ago. 

Chase failed to notify me that they were taking over FirstUSA 's credit card business. 
Chase claimed that they could not mail me the card because they do not have my address, but they can send me all the debt collection related mail to the same address without any problems. 
Chase failed to prove that I have authorized payment between XXXX XXXX. 
Chase failed to provide account statement and failed to notify me the remaining amount of my debt, which cost me additional interest over these year.