davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (LA)

Was sent an text message from Chase Bank. At least that what i thought. Which this has happened in the past. So didnt think anything of it. Saying there were transactions on my account. XXXX transactions. Please respond if this is you right not. When i responded no. Got any text saying that someone from the bank would be contacting me about this. Gave this person none of my account information. They just told me what i had to do in the app to dispute this charge. 
Spoke to someone and they advised me on how to dispute the charge. And the money would be refunded to my account on the next business day. When i realized that it didnt happened. I contacted chase the next day about it. And gave full details as to what took place. And money was given back to me. Almost XXXX full weeks later. The claim was reversed and the bank took the money back. Called to see why. I was told its because of the banks policy that they do not support scams. 
So i spoke with supervisor and gave full details of story once again. Even the email address that was given to me to dispute the XXXX transaction. Because i wrote it down just in case something else would take place.and was told they would do there best to get me my money back. Because clearly this was a scam and not a true transaction. Was told i would hear from someone within 10 business days. I had to call back 2 weeks later to see why i didnt receive a call. They told me the claim was still pending and being processed. Called back a week and a half later. Now the claim has been closed. They cant do anything about it. I have to take matters into my own hands out side of chase. If i would want something to be done. Was never called or emailed or anything about my claim being closed. And not being able to get my money back. 
But 2 weeks after being scammed i see it on the news and just 2 days ago i get a email informing use as chase customers. What to look out for when it comes to scams. So i guess the whole world had to lose out on there money beefier it would go public.
Consumer complaint received 2022-05-03
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

As you will see by my account I have made several complaints against Nationstar Mortgage, XXXX Mr. Cooper. The first being in XXXX of XXXX, the last being XXXX, # XXXX. 

My complaints are valid as the CFPB had presented a lawsuit XX/XX/XXXX for illegal and unfair practices such as modification loans, escrow accounts, etc. My complaints addressed all these issues with what happened to me and is still going on as far as escrows being collected at XXXX for the year, when my taxes are XXXX. 

Each time I complained Nationstar came back with ridiculous responses, such as showing my taxes were XXXX after showing XXXX quarters of collection. Taxes are paid quarterly for XXXX collections. 

Once the response was received by CFPB I was not given a chance to provide my proof of documents ( I have over XXXX pages ) and the case was always closed. 

I understand there is a settlement and never received notice of restitution. What do you need from me to either be a part of this settlement or start a new complaint? I can mail all docs providing proof of unfair practices, escrows, my modification loan that went horribly wrong, forcing us to pay over XXXX per month than what we should have as an escrow shortage of XXXX per month was added to payment. The shortage was not valid. 

Thank You, XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting 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. (NJ)

Recently, I received a letter from TransUnion stating that they had deleted the XXXX accounts I disputed. However, upon updating my credit report, I found that these accounts were still listed. This indicates that TransUnion has reinserted the XXXX accounts that were previously removed from my report. This action constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ) and its re-insertion requirements. Specifically, TransUnion failed to notify me within five business days of the accounts reappearance, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Additionally, they did not provide the necessary certification of accuracy ( 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) ) and did not conduct a reasonable reinvestigation as mandated by 15 U.S.C. 1681i ( a ). 

In addition to these breaches, TransUnion has violated several other key consumer protection laws : Permissible Purpose ( 15 U.S.C. 1681b ( 2 ) ) : The account was reinserted without confirming a legitimate purpose for doing so. 
Block of Information Resulting from Identity Theft ( 15 U.S.C. 1681c-2 ) : Despite receiving adequate documentation, TransUnion failed to block fraudulent account information. 
Civil Liability for Willful Noncompliance ( 15 U.S.C. 1681n ) : Their deliberate failure to adhere to FCRA requirements has exposed them to civil liability. 
Civil Liability for Negligent Noncompliance ( 15 U.S.C. 1681o ) : Their negligence in handling this matter further underscores their noncompliance with FCRA regulations. 
Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : The reinserted inaccurate information directly contravenes their obligation to maintain the highest level of accuracy in credit reporting. 

TransUnion 's actions have unjustly harmed my credit profile and infringed upon my consumer rights under federal law. I demand immediate corrective measures to address and rectify these violations.
Consumer complaint received 2021-10-15
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : DEPT OF ED Date of Inquiry XX/XX/2020
Consumer complaint received 2020-08-25
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. (GA)

I AM A VICTIM OF IDENTY THEFT. SOMEONE STOLE MY INFORMATION. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY CREDIT REPORT.
Consumer complaint received 2024-09-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC. (CT)

My Navient student loan was disbursed to me on XX/XX/XXXX with original principal of {$15000.00}. 

I started repaying the loan in XXXX. Since then I have paid {$20000.00} with {$130.00} left of unpaid interest. Currently there is {$22000.00} as unpaid Principal. I was enrolled in automatic payments and it appears that autopay was turned off by Navient during forbearance due to covid. I was unaware that this happened. My wife and I called Navient to try to negotiate a payoff amount that was agreeable to both parties. They refused to negotiate. 

I see this as usury. They will profit XXXX 's of thousands of dollars off of the loan. My complaint is that they refuse to work with us for a bulk payoff amount of the loan. It's predatory and despicable.
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureau is reporting inaccurate information on WF/XXXX  Per FCRA XXXX reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NY)

On XX/XX/XXXX, I requested Navient retract their reports to the credit bureaus that my four private loans were 60 days delinquent in XXXX of XXXX as per the New York State Department of Financial Services ( DFS ) private student loan relief program instated on XX/XX/XXXX, Navient was to provide a minimum of 90 days of forbearance without late fees or reporting of past-due payments to the credit reporting agencies. On XX/XX/XXXX, I entered into forbearance with Navient retroactively back to XX/XX/XXXX, which brought my accounts current. Under the provisions of the private student loan relief program, Navient should have corrected the status of my loans during the forbearance period and did not. Further, my accounts have been current and paid on time since XX/XX/XXXX. Despite my requests, Navient has yet to correct my credit report.
Consumer complaint received 2021-10-15
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. (WA)

I have contacted both XXXX XXXX and Equifax regarding several inquiries that are reporting on my reports respectively that were not made by me. I have mailed in disputes and spoken to each credit reporting agency several times over the phone and I am unable to get any form of remedy from those efforts. 

I have also filed the FTC fraud report as instructed and sent that in as well and they are still reporting. This is a violation of the fair credit reporting act. I need these removed immediately as they are a defamation and misrepresentation of myself and or affecting my credit worthiness causing me actual monetary damage in the form of denials and also higher interest rates. 

Listed below are the inquiries I am referring to, listed XXXX credit reporting agency. Please note that not all of these are included on the FTC report as some of them have occurred after the report was made. 

EQUIFAX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, XXXX Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Consumer complaint received 2020-12-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (AL)

I requested that this company validate the debt by asking for certain documents including the following ... agreement with the original creditor that authorizes you to collect on this alleged debt the original contract bearing my signature stating that I have agreed to assume the debt, the debt agreement stating the amount of the debt and interest charges, the complete payment history on this account along with an accounting record of all additional charges being assessed, proof that the company is licensed to collect in my state, which is Alabama and the license number and Registered Agent for my state, which is Alabama. I did not receive documents that validates this debt. In addition the company is reporting this account differently with all three credit bureaus, which I disputed and the company verified. Different information with three different companies can not all be accurate so it is very clear that the company verified inaccurate information.
Consumer complaint received 2021-10-18
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: Colony Brands, Inc. (NV)

Hello. I suffered from XXXX the end two months of XXXX and beginning of XXXX. When I recovered enough to monitor my credit scores as I usually do at least weekly, sometimes daily. I also noticed missed calls and then letters/bills from Montgomery Wards . I remember thinking, when my friend applied, that I did not know Montgomery Ward still exists. No disrespect. I picked some pajamas for my XXXX XXXX, but XXXX wanted like {$150.00} deposit. I did not want to do that, so I did not order. Furthermore, I received a letter saying if I paid the down payment, I could get the personalized pajamas. Now I am getting bills for items I never purchased or even received. I have called and disputed this whole account opening, since I never paid the down payment to place my first order. I moved and gave Wards my new address to send me something saying they would remove it from my credit reports and I see the name is changed to my actual first name, not the shortened name ( which I would never use and is a masculine form ) that originally was on the account. This fraudulent account is bringing my credit scores down because it is being reported as mine, and never paid on. The letter from Montgomery Wards instructed me to go to this website and dispute it. I already have with the credit bureaus, police, FTC. I do not know what to do next! Likewise, I also was used fraudulently for unemployment benefits, credit cards, and hard inquiries and more. Apparently, I am told that I am on the dark web by a security feature. I have called Wards several times and in XXXX they sent me the letter saying to contact XXXX Unemployment is investigating who filed for benefits and received over {$10000.00} in my name. Someone used my information in XX/XX/XXXX. I unfortunately had to file in XX/XX/XXXX. Then wait 8 months to prove I am me. 

I received a letter stating I am being sued for a payday loan. I never took out a payday loan. ANYWHERE and for {$1800.00}. I have lots of fine, expensive jewelry I would pawn before I would get a payday loan Two different bank accounts have been opened in my name. I found out when they sent me new account information and when mail was returned to the bank. I tried to get information like address debit card is being mailed to, opened both online.
Consumer complaint received 2021-03-23
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: CARMEL FINANCIAL CORPORATION, INC. (TN)

On XX/XX/XXXX, I noticed my XXXX  score dropped significantly 73 points. Carmel Financial account removed without any prior knowledge off my XXXX credit profile. I immediately contacted Carmel Financial and was told, " XXXX  suddenly decided to remove all accounts including its hard inquiry from their files without prior knowledge to us. We have been in business for over 50 years and don't understand why this occurred. We will continue to report to XXXX. '' I informed Carmel Financial Group I have not received anything in writing informing me of pending removal. She said, " We are in the midst of sending out communications to our consumers. " Next, I contacted XXXX by phone and was told the account was removed on XX/XX/XXXX by representative XXXX. I informed XXXX that " It's my right to know if any accounts are either removed or added per FCRA and that did not occur which affected my credit profile. '' The problem is my family was in the middle of making a major purchase by tomorrow for our XXXX and now I went suddenly from good credit to bad credit without any fault of my own which is putting my family livelihood at risk during a Pandemic.
Consumer complaint received 2021-10-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (CA)

This debt is complete fraud. Ive had three companies call me under different names for this debt, the last company IQ Data called me and stated they were Submitted this debt to collections and they would ruin my credit for 7 years, the stated I needed to give a 60 days notice when I gave a 30 days notice to my landlord in writing and vacated. There was no lease it expired the month prior, I was in line with my month to month. My landlord kept the deposit of XXXX, this was supposed to be last months rent. I was completely vacated out of this unit and do not owe this, period. They have supplied me with NO EVIDENCE, I have disputed this with two collections already, then IQ data refused to even reply to BOTH the disputes Ive sent them. They have NO PROOF I owe this debt this is entirely based off of a lie given by the landlord saying I was in the unit after posting a letter saying you will have to MOVE IMMEDIATELY if you can not pay rent during COVID, NEVER supplied states letter for California, didnt reply to me or 6 other rental properties I applied to ( have in written that they repeatedly tried ). They have reported this, threatened me, called me after I asked not to, wont reply to any of my evidence, wont supply ANYTHING detailing or showing me the debt and why I am liable for this when there was NO CONTRACT in place and I was NOT in the unit. They REFUSE to provide any explanation and stated I could not verbally ask for any kinds of documents, they stated they couldnt talk to me about this debt until I validated what it was for and I acknowledged the debt without knowing a single thing. This account is not only extremely fraudulent, a complete lie, but was also submitted to collections WITHIN illegal period during COVID 19. They have accused me of being in a lease with NO EVIDENCE. This company did nothing but threaten me, ignore facts, and then send me to collections regardless of all the laws broken and facts showing this isnt mine. Not to mention my boyfriend was also on this lease, we left together, we had a co-signer, yet I am the only one having to deal with this. This collector stated every day I owe more interest and late fees on this account, which is also illegal.
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Choice Recovery, Inc. (FL)

My credit is reporting a {$160.00} medical bill from 2016. When I saw it on my credit I immediately contacted the XXXX who gave me no info except the amount. I then contacted the urgent care the original debt was with and they stated there isn't a balance under my information. I contacted my insurance company at the time and they verified for me that there isn't any owed balance with the urgent care. I tried contacting the outside agency again but they refuse to even look into it and verify it with the urgent care and instead are still trying to collect this debt that isn't valid.
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This account is showing late. I requested a deferred payment on this account. The deferred payment history is showing late but I was greement the defer payment. I Am requesting the someone investigate this information thoroughly. If the deferred payment was green it there should not be a late payment all my account. I am requesting that this information be removed from my credit report. All 3 career reports is reflect in something different.
Consumer complaint received 2021-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

I have a XXXX XXXX loan service through LoanCare corp. and i have been unable to get them to extend the loan for an additional 90-days as allowed by the CARES ACT. The current forbearance agreement ends on XX/XX/2021. I first reached out to them on XX/XX/XXXX, less than a month before the end of forbearance and i was told that i need to call back the following week. I reached out again on XX/XX/2021 and I was told that it wasn't possible to extend the loan in their system until the following week. So i reached out to them again today XX/XX/XXXX and I was told the same thing to call back again the following week. This sounds like an intentional SCAM by this servicer to rob me of my home via a convoluted, meaningless process to waste time and then place my mortgage in a foreclosure process. THIS SERVICER IS FRAUDULENT. I HAVE NO CONFIDENCE IN THEIR PROCESS ANYMORE. 

I do not have to contact them six times within 30-days of my current forbearance agreement for them to take the requested action of extending the forbearance for the final 90days. Please help against this fraudulent loan servicing company. They are trying to steal my house via a convoluted mechanism to access lawful resources.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

On XX/XX/XXXX I sent a letter to XXXX XXXX stating that I wanted to discharge the debt on due to lack of full disclosure and financial hardship. I also requested a copy of the terms of the loan agreement including any clauses that may be in violation of consumer protection regulations which they have not provided yet. I do know by law that the have 30 days to respond so I'm expecting a response from them in the next week or so. the problem is I assumed that all of the alleged monthly payments would be deferred and would not be subject to any late fees or violations until the matter was resolved. There has been a late payment for this account reported to the credit bureaus and has negatively impacted my credit score. I believe this does not show an accurate depiction of my credit worthiness.