davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (AL)

XXXX  has been non-compliant with removing the unverified account NAVY FEDERAL CU OF Opened Date XX/XX/2013 which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that NAVY FEDERAL CU OF was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2021-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates sent a letter to me in the mail stating that I owe a debt. I therefore sent a letter to Portfolio Recovery Associates for specific information to validate the debt that they claimed that I owed. I sent the letter over 30 days ago and they have not responded to my request and they are also doing harm to my character by reporting unsubstantiated derogatory information on my consumer reports.
Consumer complaint received 2018-12-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (TN)

On XX/XX/18 I discovered that Caliber home loans XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX, XXXX XXXX XXXX have put together a loan package in my name with personal information stolen from XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX. This illegal loan was originated by Mr XXXX XXXX lic # XXXX, NMLS # XXXX, of Caliber home loans, our ( my XXXXyr old ) was given to Mr XXXX XXXX by XXXX employee XXXX XXXX ( loan officer ) who was terminated by XXXX on XX/XX/18, Mr XXXX XXXX is and was unlicensed in TN. My FTC complaint # XXXX my XXXX complaint # XXXX my cfpb reference # for XXXX XXXX-XXXX. I have had to freeze my credit right in the middle of the home search. My identity and credit are now in permanent Jeopardy and have suffered irrevocable harm by being passed around. I have never met Mr XXXX XXXX and have never heard of Caliber home loans. I did not give anyone permission to run credit and I have not filled out any mortgage applications with XXXX or Caliber home loans. This loan package was then transferred back to XXXX by XXXX XXXX, ( where our information was stolen from in the first place ) onXX/XX/18. The personal information was given back to XXXX in PDF form, it was stolen from XXXX in paper form ( hard copies ).
Consumer complaint received 2022-04-24
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account ending 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Currenly my credit reports from XXXX XXXX and equifax are are showing late payments under the XXXX XXXX Account ending XXXX. I contacted XXXX XXXX and informed them multiple times this is inappopriate use, and I have also sent them Legal information to show my rights are being violated per the Fair Credit and Reporting Act. XXXX XXXX has challenged my views and re-reported mulitple times to the credit bureaus these alleged late payments
Consumer complaint received 2021-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lendmark Financial Services (NC)

I had an account show up claiming opened in 2018 at a Lendmark. The account was never authorized by me or paid by whomever opened it. Once I found out about the account, I visited the Lendmark location, provided all the things they asked for, filed a police report, had signed affidavit forms notarized and they advised this would be corrected because the camera recording they had was not me. They even told me someone was calling in each month saying they were my family or POA without any documents and saying I had died. Nothing was removed, instead they begin to try and have me settle and pay something on this debt they knowingly gave to someone in my name that was not me and communicated with another person regarding the account, knowing that it was fraud. It has been removed from all reports except XXXX. This has given me great trouble with gaining loans to finishing obtaining my XXXX XXXX and I have continued to try and get this resolved. The dispute with only XXXX has been denied over and over.
Consumer complaint received 2021-05-12
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: DISCOVER BANK (MN)

On XX/XX/2021 someone applied for a student loan under my name. I called Discover Financial immediately and they cancelled the application and I was told they would contact the credit bureaus. I spoke with XXXX and they removed it. XXXX  and XXXX are requesting I complete this form before they remove it.
Consumer complaint received 2021-05-12
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. (IL)

XXXX XXXX  HAS FAILEDC TO REPORTMY ACCOUNT CORECTLY ON MY CREDIT REPORT federal regulations require creditors to charge off installment loans after 120 days of delinquency, while revolving credit accounts must be charged-off after 180 days I WAS NOT GIVEN THE FULL180 DAYS.. 

PER THE CREDUT I WAS CURRENT IN XX/XX/2020 FROM XXXX TO XXXX WHEN XXXX XXXX CHARGES OFF MY ACCOUBT THATS NOT 180 DAYS
Consumer complaint received 2021-10-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (CA)

I have a traditional IRA savings account at Ally Bank. I have been trying to transfer some of these funds to a traditional IRA at another institution for weeks. Ally personnel have been consistently disorganized, kept poor records of my previous conversations with other Ally personnel, unhelpful and inconsistent in their instructions regarding transfer instructions, and, at times, overtly obstructive. Multiple calls with them have been placed on extended ( >30 min ) holds after initial verification of my identity and some disconnected without warning. With assistance from the other institution, I have sent several written requests for this transfer, including most recently, an " ink signed '' version sent overnight to the address Ally provided. They still have not transferred the funds!
Consumer complaint received 2021-12-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NC)

I have tried for a period of one year to have the loan modified due to falling behind during covid. They have asked for documents, and I have always provided what they ask for they send a letter saying they have everything needed and process the modification, then 2 days later I receive another notice stating they need something else. This latest request is that I provide proof of receiving XXXX  related emergency food stamps. i have provided an account printout showing the deposits, which has been denied. they want a letter stating this extra amount was awarded to me. there is no such letter to send. i have sent a letter documenting my regular amount. but have no way to prove the extra being given. meanwhile my house is due to be foreclosed on in two weeks and nothing i send is acceptable, so the modification is unable to be processed.
Consumer complaint received 2022-06-09
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. (FL)

In accordance with the Fair Credit Reporting act 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 2021-10-15
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: Cottonwood Financial Ltd. (TX)

Corporate Office Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX RE : Accunt # XXXX ; CASH STORE-XXXX, TEXASXX/XX/XXXXAttn : VP-Corporate Collections, I am writing to notify you of my request for a Consumer Affairs investigation by the Attorney General of Texas Consumer Affairs Division . I took out a loan and records indicate the payments are not being processed as requested on XX/XX/2021. Please contact the XXXX XXXX XXXX location to correct this issue. I will not refinance a loan unless you provide documents indicating I made no errors in my loan processing/etc. Payments can be made with my credit card or checking account as previously requested. 



You can have someone from corporate contact me at the address/number listed above. This is the second time an error of this nature has occurred regarding a loan. A VP from Corporate call a few years ago to resolve the issue last time. The XXXX XXXX called on XX/XX/2021 and said I refused to make a payment on XX/XX/2021 by credit card. I dispute this statement. My {$1200.00} overdraft protection status at Texas XXXX XXXX is in place. I am waiting on a call back from Corporate. I spoke to three employees regarding noting the account about my concerns. I am not interested in refinancing a loan. Enclosed is a payment for {$370.00} dated XX/XX/2021. I want all future payments to be process as promised on the debit card until paid in full. 



The Cash Store call during the week of the high school shooting in XXXX, Texas ; however, as an XXXX employee I was not able to respond to any calls. I understand the bank approved the payment and you will process all other payments. I will do my best to pay this account off early. But, I will not return to your store locations. The employee I spoke to in collections surprised me by claiming no managers are available to speak to customers. Then, I was told corporate has no communication with store managers. Wow!
Consumer complaint received 2022-06-09
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. (FL)

In accordance with the Fair Credit Reporting act, 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 2022-04-24
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. (DE)

I accordance with the fair credit reporting act XXXX  account numbers XXXX, XXXX, XXXX, XXXX has violated my rights.

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

15 U.S.C.1681 Section 604 A Section 21.It also states a consumer reporting agency can not furnish an account without my writen written instructions.
Consumer complaint received 2019-10-25
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AIH Receivables Management Inc. (KS)

XX/XX/2019, AIH Receivables, XXXX, they contacted my employer without permission. I asked them not to contact employer, as they do not have permission. They have continued to contact my employer and harass not just me but my co-workers and ultimately my boss. I have been told that this matter needs to not come to my office or they will have to let me go. So not only are they harassing me at work but they are jeopardizing my job.
Consumer complaint received 2021-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (SC)

A man named " XXXX '', a Specialist at Comenity Bank per his voicemail dated XX/XX/2021 left a message in a demeaning and harsh tone for me to personally have another party call his office back promptly concerning XXXX XXXX and that he expected a call back noting before XXXX eastern standard time. This party was fully aware I do not have an account with Comenity since he explicitly stated my full name and the party 's full name to whom he was attempting to reach. This is a clear violation of the FDCP section 1692b. He was aware that he was leaving a personal voicemail on a third party 's phone which is a form of disclosure. I am not the account holder nor an attorney for the party he was demanding " I '' have to call his office back. Per his voicemail he said for me to have the third party return his call at XXXX extension XXXX.
Consumer complaint received 2021-02-21
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. (OH)

Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. Also, I found the following accounts that do not belong to me that should be removed as well : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX  # XXXX
Consumer complaint received 2021-05-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (WI)

We believe we have been scammed. 
Wanting to lower our payment from {$1700.00} a month to {$1100.00} Amera save mortgage. Took our money for a heafty up front fee {$500.00}. 
Strung us along 5 months now. 
Gave us a low rate, said everything looked good. We were in touch with their closing company. We were going to close by XX/XX/1921. Asked if we should make XXXX payment from current lender in an e-mail. The representative stated we would be good! 
They put us in quiet a situation as now we a payment behind with our current Lender and made it look real bad for a future leander. 
Minor judgement against my home in another person 's name. Was taken care of in a prompt manner. Gone thru numerous people. No return calls or e-mails. Enquired if they were a ligament business yesterday. Today received a decline letter and blocked from ALL types of contact!
Consumer complaint received 2021-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (FL)

Last year Quicken Loans/Rocket Mortgage over-withheld for my Property Taxes by 78.4 %. When they re-calculated my mortgage payment, they kept the same payment even though the allocation for property taxes were 78.4 % above the actual number. 
I questioned them by email ... attached. The robotic employees would not give me any satisfaction when I questioned the number ( they hide in their " XXXX XXXX '' ). 
**See attached email** This year I just got my property tax bill and it shows that Quicken/Rocket Mortgage once again dramatically over-withheld for my property taxes to the tune of 45.8 %. Now granted that is an improvement, but that by far exceeds the legally allowed excess of two months extra of my escrow which would be $ XXXX x 2= {$1200.00}. The excess is about {$2100.00} or about 68.4 % above the allowable legal excess as I understand it. Granted it is better than last years 146 % in excess of the legal allowable excess ( {$3100.00} excess vs $ XXXX escrow or {$1200.00} for 2 months ). 
Can you help? 
This is a blatant violation and I imagine they are doing this to thousands of people!
Consumer complaint received 2021-02-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

National Credit Adjusters sent a letter to me in the mail stating that I owe a debt. I therefore sent a letter to National Credit Adjusters for specific information to validate the debt that they claimed that I owed. I sent the letter over 30 days ago and they have not responded to my request and they are also doing harm to my character by reporting unsubstantiated derogatory information on my consumer reports.
Consumer complaint received 2021-05-12
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: ENCORE CAPITAL GROUP INC. (PA)

I have sent 2 letters to each of the companies requesting documentation regarding the alleged debt. The first one was sent on XX/XX/XXXX to both XXXX XXXX and MIDLAND CREDIT MANAGEMENT. The second time I sent letters was on XX/XX/XXXX to both of the companies. To this day I have yet to receive any formal documentation validating this debt. XXXX XXXX is reporting a debt of {$880.00} and MIDLAND CREDIT MANAGEMENT is reporting a debt for {$730.00}.
Consumer complaint received 2021-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

I have contacted the creditor numerous times to remove erroneous account for the rental home that was not mine, I proved i was not notified of this debt or attempt to collect the debt properly in order to prove my innocence. 
I willingly provided documentation of OTHER legal rental, at time of said rental property that was falsely under my name. Informed creditor remaining monies owed is not to be distributed to my social. 

Fraud incident # XXXX XXXX XXXX police department
Consumer complaint received 2021-09-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (CA)

I honestly dont remember the debt. I went ahead and told them that but also took responsibility to clear my name. I ended making a one full payment for the collection and they assured me they were gon na remove the collection from my report. It has been its been 45 days since they day I paid it off and it still shows on my XXXX report. I never received a payment confirmation letter or anything other than a confirmation payment. That was told to me over the phone they said I was going to get a letter and they were going to take that out of my credit. I called them again and they told me now that they dont remove collections that is going to show as paid collection, when I was told otherwise to convince me to pay it off. I dont even have my full account number. I just know the original creditor is XXXX XXXX and the collection was paid to NATIONAL CREDIT ADJUSTERS. My name is XXXX XXXX  XXXX XXXX and my social security is XXXX.
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (WA)

On XX/XX/XXXX, my daughter received a text, addressed to ME, from Chime bank, stating to expect my Chime Debit card in the mail. She notified me immediately. I've never even heard of Chime. 

I immediately contacted Chime ( support at chime dot com ) via email, and inquired as to how to close this fraudulently opened account. 

Chime is requesting a photo of my ID, as well as a photo of my Social Security Card, in order to close this account, stating they need this information to verify my identity. This is AFTER they asked for the last 4 of my Social, my email address, my phone number, my address, all things that can be used to identify me. I do NOT understand why, after providing details I am already uncomfortable providing, to a bank that DID NOT REQUIRE THESE DETAILS WHEN THE ACCOUNT WAS FRAUDULENTLY OPENED BY SOMEONE, they now what photos of sensitive documents. 

I am MORE THAN HAPPY to provide a photo of my passport and a utility bill, but there is NO WAY I am going to photograph my Social Security card and send it to a bank that required NO form of ID, to open the account, in the first place. Especialky when I already gave them the last 4 of my Social, so they can verify my ID that way.

In addition, SEVERAL employees asked for this same information! I can't even get a single, dedicated person assigned to help me close this fraudulently opened account. Instead, it's being passed around from employee to employee, and instead of LOOKING at the information I've ALREADY provided, they're asking for the same information, over and over again. 

To further complicate matters, I'm currently XXXX on a XXXX  ( with no way of opening an account- I had to get special permission from my command just to post here, because there's NO internet underwater, and limited internet when we surface ). They're expecting me to take pictures of personally identifying documents, in a place ( XXXX XXXX XXXX ) where cameras just aren't allowed, for obvious reasons! 

I just want any account that was fraudulently opened, closed, IMMEDIATELY. 

I have also submitted report to identity theft dot gov.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused FinanciaXXXX XXXX and defamation of character along with 60 plus days of no response.