davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX I XXXX XXXX XXXX contacted TransUnion in regards to removing inquiries not authorized by me. The agent denied me the right to have the inquiries removed. The communication was recorded as proof and protection. This was in clear violation of consumer protection laws that are in place to provide fair and accurate credit reporting. This denial of my rights as a consumer has impeded mine and my families right to credit in a negative manner.
Consumer complaint received 2021-07-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (OR)

I've been unemployed since spring of XXXX because of the pandemic. I still have student loans from attending college in the late XXXX. Student loan borrowers were supposed to be given automatic deferral during the pandemic. 

Navient continued demanding payment as usual and unexpectedly withdrew my monthly payment in XX/XX/XXXX per autopay, causing me significant financial distress at the worst possible time. They later agreed to reverse the payment and put me in some kind of forbearance, but never clearly explained how long it would last or when I would have to start paying again. They claimed they weren't bound by rules made to help student loan borrowers during the pandemic. 

Navient suddenly began demanding payment again in XXXX of XXXX even though the pandemic was still raging and I was still unemployed. I found out about their demand when I was charged a late fee. I asked for additional relief because of the pandemic and they refused. My only options were 1 ) use up my few remaining months of regular forbearance and then begin making payments again somehow despite having hardly any income, or 2 ) pursue a consolidation loan so I could have additional forbearance opportunities, which they encouraged me to do. After some research I learned consolidating would cause me tremendous financial harm because, while my current loan 's remaining balance can be forgiven under XXXX after a couple more years of public service, consolidating would wipe out all my past payments qualifying for XXXX. 

Navient totally ignored their obligation to address the unprecedented hardship the pandemic caused student loan borrowers like me. They kept putting the squeeze on me demanding payment and charging late fees while my family faced some of the scariest times in our lives. Believe me we already had plenty to worry about! If I had less savings and family support Navient 's opprobrious behavior could easily have caused me to go hungry and/or lose my home. Navient also tried to steer me into wiping out my ability to soon qualify for XXXX.
Consumer complaint received 2021-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This complaint to regarding Bank of America. Claim # XXXX. Claim Submitted date XX/XX/2021 in the amount of {$3400.00}. 

While using my card on vacation at the mall, I was in a hurry and quickly put my card in my pocket which must of fallen out. I did not realize my card was missing till later that night. I checked my account the following morning and noticed my account fully drained of money. I called Bank of America right away and told the customer service rep what happen and she filed the fraud claim for the transactions. I asked for temporary credits as I was on vacation and had no money to get home. She told me she will also file for hardship and I should hear back within 24-48 hours. I waited 2 days and did not hear anything back so I called Bank of America claims dept again and was told that Bank of America is declining my hardship claim and I will have to wait 10 days for any temporary credits. The customer service rep told me I can apply for a balance assist. To no surprise I was denied balance assist as well. I had to borrow money from family and friends just to get home as BOA refuse to help me with any temporary credits. Two days before the 10 days BOA said they had to give me temporary credits, BOA denied my claim and told me they can not give me any funds at all totaling {$3400.00}. I called the claims dept right away and was told by a customer service rep someone that was authorized used my card and the transactions were in line with what I usually purchase. I told the customer service rep again that my card is missing and if they actually look at my transactions they will see I do not purchase high dollar amount of clothes or have been to any of those stores and the fact my account was fully drained of money. The customer service rep also told me BOA did not even dispute these transactions with the merchants at all. I am very unhappy with the way BOA has been treating me and I will be reconsidering doing future business with BOA.
Consumer complaint received 2021-07-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2021, I filed a disputes with Experian, XXXX  and XXXX in regards to my credit report. It has been well over 30 days and I have not received any investigation results. On XX/XX/2021, I also sent all three credit bureaus 30 day demand to comply letters and I still have not received any investigations results.
Consumer complaint received 2021-07-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (CO)

I received a debt to collect from IQ Data after annoying phone calls. The letter is not on a company logo and looks fake. The envelope is date stamped XX/XX/XXXX but was not mailed until XX/XX/XXXX. No one signed the letter and only put a # XXXX. 
I replied to my landlord back in XXXX ( at the time a debt was being paid ) and collected for them after I moved out. Fraud started to occur with the payments and the account. I disputed it timely and it was left alone no one continued to contact me. They always had my current mailing address. NOW out of nowhere this IQ collection letter comes in my mail BUT not until AFTER they wrongfully dinged my credit with the collection item AND it is not SHOWING as DISPUTED on my account. THEY have also added interest of over {$400.00} to a timely disputed account WHEREIN I never even rightfully got my security deposit back either. 
MOREOVER, I have security freeze and fraud alert on my social AND neither alerted me to this item transaction going on my credit. NOR are they acknowledging any of the correspondences that I keep legally sending to them. I was wrongfully denied a refinance because of this illegal activity placed on my credit that is not showing correct data, how much I paid to them, or that it was disputed timely back in XXXX when I contacted the city of XXXX and the county of XXXX for them having a aoartment building that was not up to code and the XXXX XXXX XXXX for them engaging in accounting fraud. 
FURTHERMORE the orginial landlord sold the property to another company back in XXXX and they did not pursue any more collection back then. IQ data has two address : XXXX XXXX XXXX XXXX WA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (NC)

A company called One Main is furnishing incorrect and incomplete information on an account on my credit reports. I have made several attempts to have these items corrected. I have sent letters containing print outs of how the accounts are showing on my XXXX, XXXX XXXX and XXXX  credit reports with marking to indicate what needed to be corrected. The company 's inability to fix these errors in their reporting is causing me financial harm. 

Under the Fair Credit Reporting Act ( FCRA ) I have the right to have a 100 % complete and accurate credit report. XXXX XXXX is violating my consumer rights. 

I am attaching my most recent correspondence. As prescribed in the FCRA, I initiated contact with One Main through the credit reporting agencies.
Consumer complaint received 2021-07-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (VA)

I have recieved 22 phone calls from Comenity Bank ( XXXX ) in the last 5 days. All from different numbers or from blocked numbers. I have asked them repeatedly to stop calling as I pay my bills online. This is a very big issue because this company does not respect work hours. I have informed them if they absolutely need to call me, that they can not call me before XXXX during the week. They have refused to listen and continue to call me during my work hours.
Consumer complaint received 2021-07-16
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. (GA)

After reviewing my credit report today XX/XX/21, I noticed XXXX  & Equifax are reporting incorrect information on my credit report and It is causing a hardship for me to get approved for credit. Account rating shows Derogatory but creditor remarks states it was paid.
Consumer complaint received 2021-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transfinancial Companies, Inc (LA)

As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and XXXX. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to XXXX one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file
Consumer complaint received 2021-07-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

RE : Citizens Bank All paperwork had been filed and initial discloser issued XX/XX/2021. 
Pre approval was provided, a commitment was made XX/XX/2021. It took over 45 days to be engaged by their independent appraiser. the appraiser within close to a week provided an appraisal on XX/XX/2021. XXXX XXXX reached out to complete some paper work on XX/XX/2021 and the required information was provided that day. 

I have reached out several times with no response to everyone that had communicated with at Citizens. I reached out several time again. XXXX XXXX is now the XXXX XXXX contact of who I tried contacting, but no response again. A month after being notified that XXXX XXXX was the new contact, I received one email stating he was " looking into it ''. I finally reached him by phone and there was no examination other than having to review my credit score ( NOW 6 MONTHS LATER ) and they weren't processing any refinances. 

I do not know what to do. I was setting up a refinance for lower monthly payments, lower interest and relief from the pandemic financial hit. 

I'd like to use another bank, but Ive paid for the appraisal and exhausted a lot of time. 

Please assit me in finding a resolution. 

Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX, XXXX  and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-06-03
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: JPMORGAN CHASE & CO. (NY)

The following accounts are not mine and i want them to be removed from my credit report in the 3 credit reporting agencies. See bellow which are the accounts : 1. Identity Theft JPMCB CARD XXXX This is not mine 2. Identity Theft XXXX XXXX  XXXX XXXX This is not mine 3. Identity Theft XXXX XXXX XXXX This is not mine 4. Identity Theft XXXX XXXX XXXX This is not mine
Consumer complaint received 2021-07-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Huntington Debt Holding LLC (NY)

My family and friends were receiving back to back calls and voicemails over the course of 20 minutes from a person saying they were from the Information Research Department asking for my address to send me a certified notice. I called the number back and was yelled at by a staff member of a company claiming to be XXXX XXXX XXXX. He forwarded me to his manager who said I owed a debt of {$510.00} to Huntington Debt Holdings LLC and that they were collecting on their behalf. I told him I never received a notice. He said it was sent to an old address of mine but he wouldnt provide me with a copy of the notice that Huntington allegedly sent. He would only provide a copy of a demand from XXXX which does not specify I have a right to dispute. I have called Huntington many times, left voicemails, and emailed. I can not get through to a person to request verification of debt. 

XXXX is threatening to send this debt to collections if I do not set up a payment plan with them by XXXX today. But I dont feel comfortable giving out my account information without verifying the debt. All I am looking for is verification of debt from the actual holder of the debt, Huntington Debt Holdings LLC.
Consumer complaint received 2021-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (IL)

A recent case with CFPB was marked closed but the lender Dovenmuehle Mortgage , Inc. did not fully execute all of what they stated they would do ( money owed to me was not sent via check, no tracking, no image of the check has been given to me ). Case Number XXXX. Based on your CFPB data Dovenmuehle has a history of misplacing or not sending out checks owed to consumers. I have not received the check owed to me even though the company stated in electronic correspondence that it was sent on XX/XX/2021 to my address. Additionally I have stopped receiving any form of correspondence from Dovenmuehle since XX/XX/XXXX via mail, which I had been previously been receiving, i.e. status report letters of communication between myself and the company. I have a mail service which scans all of my incoming mail and no mail has been received from Donvenmuehle since XX/XX/XXXX ( since I actually escalated my case through CFPB ). Because of the lenders history of not sending checks and the fact that the lender never complied with my inquiries before CFPB assisted me I am requesting that CFPB get me the check that is owed to me. Either tracking information or an image of the check, but more importantly that I actually physically get the check. It is a substantial amount of money {$3700.00}. I am concerned that the lender will state that it was mailed and that I must wait 90-180 days for another check to be issued. I am a XXXX XXXX  veteran which is why I am owed this money ( previous case explains the reasoning as to my why I do not pay property taxes in ILLINOIS ). Please if you could help me acquire the check owed to me. LOAN NUMBER XXXX, GUARANTEED RATE ( DOVENMUEHLE MORTGAGE INC ) ADDRESS OF PROPERTY XXXX XXXX XXXX, XXXX, IL, XXXX. Attached to this request is a letter from lender of day check was sent and a picture of my mail service that scans every piece of mail which is why i can prove nothing has been received by me nor has arrived at the post office.
Consumer complaint received 2021-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive been a victim of identity theft. The following account and inquiries listed below are fraudulent. Ive sent a Requested a credit bureaus, and my request for information to be blocked has been ignored. 
Accounts As Follows 1. XXXX XXXX XXXX {$500.00} 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$810.00} Ive never done business with the following companies or entered into a contract with the companies listed above. All of these accounts are results of Fraud. Someone used my information to get XXXX XXXX 

The following inquiries are XXXX XXXX XXXX XXXXXX/XX/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 2022-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-07-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc. (NC)

I sent a letter to paragon revenue group on XX/XX/2021 asking for them to cease reporting until they validate the debts they claim I owe and I havent received validation yet and they are still reporting which violates federal law.
Consumer complaint received 2021-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE (CT)

We closed on a mortgage with American Pacific Mortgage XXXX  in XX/XX/XXXX. We pay additional money toward principle and we began attempting to work with them in XX/XX/XXXX because they were putting the additional funds in unapplied funds. They have passed us on to at least 7 people, all who respond with statements such as this is a mess, I will work on it, have blamed the problem on their service company, and have assured us that they have notated in our account that any additional funds should be applied to principle. We have begged them to sell our mortgage ; I have had many mortgages with many companies/banks, and have never experienced such inability to one, apply funds as requested with a simple straightforward mortgage, and two, and most concerning, to fix an issue in a timely manner. As of this morning, they applied our extra payment to unapplied funds and upon contacting them, sent us an email asking what we wanted to do with the funds. It is as if we have not sent at least 100 emails and spoken to at least 7 people about this very issue. We have no trust in this company and, in fact, have begun to wonder if there is fraud involved, as Im quite sure there are borrowers who do not attend to their account as we do. 
Thank you for your assistance with this matter.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Transunion report XXXX XXXX  - XXXX XXXX did not request an inquiry from this company XXXX XXXX XXXX XXXX, XXXX did not request an inquiry from this company XXXX  XXXX XXXX XX/XX/XXXX did not request an inquiry from this company XXXX  XXXX - XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX did not request an inquiry from this company XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX did not request an inquiry from this company XXXX  XXXX - XXXX XXXX did not request an inquiry from this company XXXX XXXX XXXX XX/XX/XXXX did not request an inquiry from this company XXXX  XXXX  - XX/XX/XXXX did not request an inquiry from this company XXXX XX/XX/XXXX did not request an inquiry from this company XXXX- XX/XX/XXXX did not request an inquiry from this company XXXX XXXX  - XX/XX/XXXX did not request an inquiry from this company XXXX XXXX XXXX XXXX XXXX XXXXXXXX did not request an inquiry from this company None of these inquiries were authorized. According to the FCRA legally these items are unauthorized and must be removed.
Consumer complaint received 2021-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I called Capital One and told them I never received my credit card and now Im told I have credit card debts which is impossible because I never received any card to begin with I moved from XXXX XXXX XXXX XXXX  XXXX NY XXXX to XXXX XXXXXXXX XXXX XXXXXXXX NY XXXX and have yet to receive my credit card in the mail.