davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX Bank Account XXXX XXXX XXXX XXXX XXXX XXXX Bank Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX # XXXX In accordance to The Fair Credit Reporting Act, the accounts listed above has violated my rights. 

XXXX U.S.C 1681 Section 602.A States I have the right to privacy 15 U.S.C 1681 Section 604.A .Section 2 also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2019-01-31
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP (CT)

on traded in my car for a new car in XX/XX/2017, I was told I owed nothing else by the dealership, I them received not one but three bills total in reference to closing the lease. 
As noted in my attached letter, after paying the first bill and being told I was again paid in full I received a second and then third charge. Paid # 2, on 3 I requested written documentation of taxes as I owned the car for 2 yrs and  they were billing for 3. I was abused and repeatedly told by Honda Financial, to go to my town and get the info, that they had no info and that they did not care what my rights were. If as the announcement says on their greeting this should all be recorded. 
They reported me as delinquent to a credit bureau although this is not allowed under consumer law when a charge is in dispute. Finally after receiving a mildly plausible written explanation I paid them on XX/XX/XXXX a settlement amount they requested. I did write " to pay debt with acct # in full '' on check along with letter I sent with the check also confirming that. They proceeded to put me in collections for XXXX. I only requested they remove the information on my credit report and accepted their settlement ( not mine  ) as payment in full. Documents attached
Consumer complaint received 2020-06-23
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. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX  XXXX {$8500.00} XXXX XXXX {$23000.00} XXXX  XXXX XXXX {$480.00}
Consumer complaint received 2019-01-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: NAVY FEDERAL CREDIT UNION (AL)

I am writing because I am trying to figure out exactly why NFCU is allowed to break the law and charge me for fraudulent debits and I have completed everything neccessary to have them blocked under FCRA 605b.

I have fully complied with the requirements of FCRA 605B ( a ), which sets forth the items required to block identity theft info from your credit report, and them imposing an investigation requirement that is clearly not part of the block procedure is clearly a violation of my rights.

The two individuals who " investigated '' were XXXX XXXX ( who I have never ever heard from and never contacted me ) and Senior Investigator XXXX XXXX ( who basically just treated me like I was the criminal and his " investigation '' was based on his opinion, which is completely unfair.

Someone has seriously done damage to my future and has made it extremely difficult for my everyday life, and to ME that is serious, even if noone else seems to care or be bothered to actually follow the law.
Consumer complaint received 2019-02-01
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. (CA)

i have 2 student loans for my 2 XXXX  Degrees i had in my reports that i do not have to start payments until XX/XX/2016.

In XX/XX/2016 i started receiving calls from XXXX XXXX and XXXX XXXX saying that i was late with payments, At the time i lost my job and was unemployed without unemployment benefits. According to the calls, i was 90 days late. I filed for forbearance and later for IBP -income based payments. My account was reported to be late by 60 and 120 days 8 times. even if i was late, it was ONCE and even that is debatable because i never received paper or email statements. My credit score is terribly damaged and XXXX  XXXX   would not remove these late payments and they continue hurting my credit
Consumer complaint received 2019-02-01
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. (VA)

Experien is reporting 2 credit cards on my credit report that were stolen and used. This has been reported to the police and a police report was sent to Experien they continue to ignore the report.
Consumer complaint received 2021-05-20
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Statebridge Company (CA)

I received a certified letter signed by mail carrier dated XX/XX/XXXX from Statebridge stating if I do not satisfy defaulted loan, owner of Note may commence with foreclosure.I have been calling and emailing Statebridge a few times a week and have not received instructions on where to submit in writing and to whom for a complete results of why my request to settle the {$32000.00} principal balance. I spoke to Loss mitigation and they said I am being charged over {$50000.00} in interest and payoff would be approximately {$80000.00}. When I call Statebridge I have to hold for a couple of hours and usually have call end stating due to high volume of calls, unable to complete my call. The only way I get a response is if I include loss mitigation dept., and since my last request on 5/14/21 ; I mentioned I would have to file a complaint due to no response on instructions, no payoff received and no details on my request to settle this debt.
Consumer complaint received 2019-01-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

XX/XX/XXXX & XXXX XXXX XXXX lies to me stating Navients 3rd party admin Minnesota/XXXX denied my XXXX XXXX XXXX XXXX claim. When I requested the denial documents from Navient they ignored my emails. 
XX/XX/XXXX I received correspondence from Navient stating unlike federal student loans, private student loans are not entitled to discharge in the event that a customer becomes XXXX XXXX. 

XXXX & XXXX I repeatedly requested payment assistance due to me being XXXX with no income and was mislead me into short term payment option, instead of long term solutions. 

XX/XX/XXXX I applied to have co-signer removed and was denied because of financial & credit challenges. 

Navient never notified me of the requirements or my eligibility to release co-signer, when I was repaying on time with perfect credit.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Company- XXXX account number XXXX 15 USC 1681 Section 604 " States rights to consumers privacy ' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent! 

XXXX XXXX Account Number XXXX 15 USC 1681 Section 604 " States rights to consumers privacy ' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent! 

XXXX, XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Section 604 " States rights to consumers privacy ' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent!
Consumer complaint received 2019-09-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (VA)

This complaint is formally filed because on XX/XX/XXXX, I received a letter from XXXX XXXX XXXX titled LENDER-PLACED INSURANCE CONFIRMATION OF NON RENUAL. US Bank Home Mortgage is the institution that I have my mortgage with. The RENEWAL reason given by the mortgage company for the reason for non-renewal was Request of the Name Insured Mortgage. I am concerned with this institution not only vandalized my home, stole all my jewelry and money that I kept in my safe at home while I was working for the XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX Virginia. This institution knowingly that I was paying for my own insurance at that time, contacted my prior insurance company XXXX XXXX to tell them that my house was vacant when in fact it was not. Yes, I could have rented it out since I was working outside the area ; however, this action of them to get inside my house ; change my lock from the back of the house and steal from me is unjustifiable. 
While working for the XXXX, I was the person warranted holding the agency Credit Card with US Bank Home Mortgage. I was in constant communication with this institution while doing a Modification to my house in XX/XX/XXXX and XX/XX/XXXXwhich the modification was never approved and no reason was given. 
On XX/XX/XXXXmy house was hit by hurricane Mathew and since I was the one paying for my house insurance, I proceeded to file the proper claim. The insurance company paid in part for the repair of my house and the checks sent were sent and endorsed under both XXXX XXXX XXXX  and myself. I sent these checks to US Bank to be endorsed so I can provide the proper repair to my house because the City of XXXX XXXX inspectors were taking me to court almost in a weekly basis due to failure to make the repairs. 
US Bank had told me, that they would not approve any company to do the repairs unless they were Class A Contractor. This caused a delay of the repairs since there were not Class A contractor available at that time. Us Bank refused to allow a license contractor to make the necessary repairs to my home, because US Bank Home Mortgage was the lender mortgage. As a result of US Bank action, I was fined by the court which I am now appealing to the Virginia Court of Appeals. 
I need this complaint to be investigated as to why all the harassment and the fact that I have been paying my mortgage which in the past US Bank Home Mortgage has returned to the XXXX XXXX, the institution that I bank with. 
I am enclosing the prior complaint and attachments as well as the letter received from US Bank Home Mortgage cancelling my insurance effective XX/XX/XXXX, at XXXX XXXX. 
Lastly, this situation and prior actions from US Bank Home Mortgage only confirm what I suspected from the beginning ; US Bank wants my home at all cost ; however, I have invested a lot on my home and have a lot of equity invested in it.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've recently received a copy of my credit report and noticed some inaccuracies accounts/information reporting to my credit report. These remarks and have been detrimental to my life and credit health.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Dear Sir/Ma, I am writing to dispute information on my credit report to be accurate under the FRCA. There are several this on my report is not correct. Starting with capital one that account is reporting wrong. The first thing is why were they reporting charge off after my charge off date. This account was charge off in XXXX but they reported every month in XXXX c/o. The other issue is why are they showing a balance when it was charge off. I want this account removed off my credit report under FRCA guidelines. The other account is with XXXX XXXX/XXXX XXXX   XXXX. They report my charge off date is XXXX actual my charge off date is XXXX. Why they were reporting every month after that c/o. That does not make sense to report c/o every month after that. They are violating my rights under FRCA guidelines. Please delete this from my credit report. This is another company I am having problems with. I was on a payment plan to get caught up on my loan but they were not to report me being late on my credit report, It was in the year of XXXX XXXX, XXXX, XXXX, XXXX. Please delete this from my credit report due to reporting wrong on my credit report under the FRCA guidelines. XXXX is another one why if this account was charged off in XXXX, why would you report after that date c/o every month after that. I should have one c/o date. Please delete this off my credit report. under the FRCA. It is paid now. The other one is XXXX, I only should have one charge off date not several. Why would you still report c/o after my charge off date. Please delet this from my credit report under FRCA guideline.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

This is my numerous 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2000.00}.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NJ)

Have 2 delinquencies on credit report per loan. Out of 6 loans. I now have 12 delinquencies as if there are multiple accounts. Now when my 6 loans expire I will have 6 more that will be on my credit report until 2024.
Consumer complaint received 2019-01-31
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Regional Management Corporation (AL)

I have a loan with XXXX XXXX XXXX. I have turned all of my debt over to a debt counseling/consolidation company. I advised XXXX XXXX their contact information and asked that they get in touch with them to work out payments but they refuse to reach out. XXXX XXXX has now started calling my employer at an office that I do not even work at, leaving voicemails on the company voice system and on other employees voicemails about me and my debt. The company has advised them to contact me personally and not to call there but they still continue to call my employer becoming a harassment issue for them as well as myself. I chose this method of debt consolidation to ensure all of my debts are paid instead of bankruptcy or just not paying and I can not understand why they choose to not contact my debt consolidation company. Any help/assistance you could offer would be greatly appreciated. 


Kindest Regards
Consumer complaint received 2023-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Click n' Close, Inc. (FL)

I have received several pieces of mail from XXXX XXXX XXXX XXXX XXXX requesting my condo 's master hazard insurance policy. Upon the first request, I sent the information via email on XX/XX/2023 along with their reference number on the subject line as requested in the original letter. This was sent in far ahead of the deadline stated on the original letter. The email when that information was transmitted is attached to this complaint. 

Today I received a notice that hazard insurance was placed onto my mortgage, despite me having sent evidence of hazard insurance purchased by my association. This is the XXXX  year that this happens with this company and this shows more of a pattern of predatory incompetence in order to levy additional insurance policies onto unassuming homeowners. As seen in the attachment, Click n ' close purchased a hazard policy in the amount of {$1500.00} based on their inability or unwillingness to locate the email with the existing policy.
Consumer complaint received 2023-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (CA)

In XX/XX/2023 my card was compromised, and I had a new one sent to me. I activated and had been using the new card. The old card was closed, but there was 2 payments that still was available to charge my card even when the card was supposed to be deactivated. So after I request for a dispute of the transaction, they came back saying that I have to pay the money back cause the dispute was not in my favor. Now how is that when the card was closed. Navy federal also said that if its a reoccurring bill that they will still let charge my old card, and I told them that that was fraud, and that I can handle my own business
Consumer complaint received 2020-06-23
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. (LA)

XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to Equifax, XXXX, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.
Consumer complaint received 2023-09-13
Product: Credit reporting 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 XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for XXXX purpose.
Consumer complaint received 2019-01-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (WI)

I was called by a XXXX XXXX @ XXXX. HE said he was saying he was from XXXX XXXX XXXX. he said that I have an outstanding balance of a little over {$500.00} from an hsbc credit card. He said I stopped making payments on the card in XX/XX/2013. I asked him if he could please email or mail me some documentation showing this balance and when it was from. He went on to say that I have dodging calls and they have sent me info in the mail. He started rattling off the other addresses I have lived at. 
I told him I need some documentation cause this sounds like a scam. He said that I racked up credit card bills and now I don't want to pay. This went on for a few minutes and I started to get mad. I advised I am not dodging any past bill but I am not going to pay something over the phone with out some documentation. He was very rude and said I was not ever planning to pay. I told him I was to speak to his manager. He said he was the manager there. I then told him to transfer me to hsbc so I get more info from them. He would not do so. I told him to not call me or my family again. 
He has also called members of my family that there is an urgent matter and that I need to call him. 
I checked XXXX  and there is not any warning of an old debt. 
I called hsbc and they are not showing anything also.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I submitted a previous complaint in which the company responded as to what they found in comparison as to what is being reported on my CRAs. From the company, XXXX XXXX clearly the company has made some mistakes and inaccurate reporting to the credit agencies. In the response letter submitted it clearly states that the account found was opened in XXXX of XXXX and the opening date reported to the credit agencies states that the acct was opened XX/XX/XXXX, which is it? The company also states that a balance is still owed, if the opening date is inaccurate, then the amount is inaccurate as well. I have not received any documents requested from the company showing accurate records of any account. Please remove inaccurate and/or fraudulent information from my credit reports IMMEDIATELY as this is in clear contradiction of what is being stated and represented on my CRAs. It is also in violation of my FCRA rights and is adversely affecting my life and credit worthiness.