davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

My prior student loan provider was XXXX. I had an amazing loan rate. Unfortunately, my student loan was sold to Navient. Immediately, I provided information for automatic payments from my bank account ( XXXX XXXX XXXX XXXX, XXXX   ). When I was with XXXX  ( since 2003 ), I NEVER missed a payment and had automatic payments set up. Since the switch, I have talked with Navient representatives several times. They have promised their error was fixed. I have gone online and logged in to be sure my account was set up for automatic payments from XXXXXXXX XXXX. Again, each month, I receive a notice that I haven't paid and that my payment is overdue. Again, I call and confirm that everything is correct and in place. In my honest opinion, I feel like Navient is attempting for my loan to become overdue so that I have a much higher interest rate applied or I acquire fees. I have contacted Navient ( which is very hard to get ahold of someone as well ), and I feel like it is to no avail. I need Navient to set up the automatic payments as they have confirmed is already done correctly. This is starting to feel like a scam. Thank you.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XXXX  XXXX, removed XX/XX/XXXX Acct. XXXX XXXX XXXXXXXX XXXX, Removed XX/XX/XXXX Acct XXXX XXXX XXXXXXXX XXXX, Removed XX/XX/XXXX XXXX XXXX XXXX, Removed XX/XX/XXXX ACCT XXXX XXXX XXXX, Removed XX/XX/XXXX ACCT XXXX XXXX, Removed XX/XX/XXXX ACCT XXXX XXXX, Removed XX/XX/XXXX ACCT XXXX
Consumer complaint received 2018-02-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: World Omni Financial Corp. (FL)

The company stated they purchased this loan from someone else. But, failed to mention the name of the company. I'm only aware of XXXX XXXX XXXX as the loan originator. Who did they purchase the loan from? 

I never received a TILA disclosure and just found out about it on the CFPB website.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS
Consumer complaint received 2018-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

USAA has engaged in predatory and harassing behaviorism an attempt to force me to pay impossible payments, beyond my income capability. They call and harrass me four or more times a day, and will not work with my limited income - even though I have requested this since XXXX. They have changed my required payment up and added fees making it impossible to get out from under this debt despite paying {$100.00} a month from my low income. They also allowed a bogus charge against my account through a fraudulent XXXX account to pay for a boosted post on XXXX back in XXXX. A third party charged my account without my authiruzatiin, or permission. I would like damages and Attorneys fees to be paid by USAA credit card, for predatoey behavior leading me to suffer from intentional infliction of mental anguish. And possiblt adverse credit reporting. USAA has refused to work with me in resolving this issue ( letter on file ).
Consumer complaint received 2018-02-22
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: FIRST NATIONAL BANK OF OMAHA (TX)

PLEASE REMOVE XXXX XXXX XXXX OFF MY ACCT SS # XXXX ACCT # XXXX AS WELL OF HER CREDIT REPORT.
Consumer complaint received 2018-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I purchased some solar panels from a company called XXXX XXXX on XX/XX/17. Included in the total {$1000.00} charge was a separate line item for {$340.00} of shipping charges for the components. After the payment was made, the vendor and I agreed that, I myself would arrange and pay for the shipping and the vendor agreed to refund my {$340.00} in shipping charges. This never happened. I tried to email and call the vendor multiple times to no avail. I tried to dispute this with XXXX to no avail. So far Bank of America has also refused to credit me back the {$340.00} shipping charges even after multiple phone calls to them. I have provided much documentation to Bank of America to support my claim.
Consumer complaint received 2018-02-22
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: EQUIFAX, INC. (CA)

XXXX Inquiry from XX/XX/XXXX I spoke to XXXX They told me that the account CLOSED and they contacted all credit agencies. They told me that they had to " Re-Open '' the case and find out why it was not removed they pulled my credit on XX/XX/XXXX without consent nor permission. XXXX XXXX never responded and failed to provide " Factual Records ''. They also pulled my credit on XX/XX/XXXX and again on XX/XX/XXXX. A Total of 15 points got pulled from my credit and this issue was NEVER Fixed. I am demanding in 30 days that " EQUIFAX '' " XXXX '' AND " XXXX '' Delete this from my records. Please see the attached Information from XXXX and you can CONTACT Them directly to verify this was " removed '' yet you guys failed to remove it from my credit file I want " all three removed '' from my credit report in 30 days or Ill seek damages caused. They have submitted this request in XXXX and should of been removed then, XXXX Claims they sent out all documents and request for removal. I checked my credit report and its still on my account. You have 30 days before I seek damages as this is stopping me from getting a loan to my property as this was " 15 '' points taken from my account without consent. 


XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX " XXXX you stated via telephone that all three bureaus were contacted for removal. The company XXXX XXXX Did not have consent nor permission to pull my credit - You Investigated this and found out I was correct and this was not " factual '' records. XXXX Told me that they contacted XXXX, EQUIFAX AND XXXX for removal back in XXXX - They never removed this from my credit nor has XXXX Calld me back to fix this issue. ( XXXX ) XXXX I gave them to many chances they pulled my credit in total of three times I want all three removed not just " One ''. I will cc my Attornery as I plan to sue you in a court of law. 

You failed to remove all three from my credit filed. 
You failed to contact me You failed to keep me updated You failed to send a letter of deletion for proof as your Representative stated he would have them contact me, He also Indicated that they have contacted all the agencies for removal and I had to re-call back in over 5 times requesting removal. 

XXXX / Does not have permission to pull my credit nor did they have consent they contacted XXXX XXXX and failed to remove this. I will not wait more then 30 days and I did seek an attorney for damages as XXXX Pulled my credit removing " 15 points from my credit and refusing to remove this and or send me a deletion record ... ...
Consumer complaint received 2018-02-22
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: CAPITAL ONE FINANCIAL CORPORATION (RI)

It was on XXXX, I was making payment through XXXX XXXX XXXX program to capital one credit card and they report to credit bureau that I was late payment for 120 days even if I was paying to them through XXXX XXXX XXXX  program. I was very disappointed with XXXX XXXX XXXX and capital one credit card company. I was injured with XXXX XXXX XXXX that makes me unable to work for 3 months as well. I have only been in US for 3 year through refugee status and I dont understand much about credit game. 
Please help.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Federal Stafford Loan application was applied XX/XX/08. I applied to XXXX University in XXXX XXXX, NJ. I withdraw from the school and never applied the loan to anything.Come to find out when I applied for a mortgage I have this showing on my credit report.I have contacted the school and they said they could not help me with the situation. Seems i was placed in collections with XXXX ( XXXX ). 
I am looking to purchase a home and will not qualify based on this incorrect debt. 
Please review.
Consumer complaint received 2019-03-11
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. (TX)

This collection was recently removed from my account and then a few days ago equifax added it back. I have contacted the creditor and the creditor states that they no longer have this record it was deleted but somehow Equifax decided to added it again the company even sent me paperwork claiming that the file has been removed. Attached is the erroneous document reporting on my credit profile
Consumer complaint received 2024-08-05
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 am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-08-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: RoundPoint Mortgage Servicing LLC (FL)

I am writing to formally lodge a complaint against Roundpoint Mortgage Servicing LLC regarding their handling of my mortgage loan ( XXXX XXXXXXXX XXXX XXXX  ). I believe that they have engaged in practices that violate several federal and state laws, including the Real Estate Settlement Procedures Act ( RESPA ), the Fair Debt Collection Practices Act ( FDCPA ), and Florida state laws, among others. 

Summary of Issues : 1. Failure to Provide Accurate and Timely Information : Roundpoint Mortgage Servicing LLC has failed to provide me with an accurate and timely reinstatement quote despite multiple requests. This failure has caused significant confusion and stress and may indicate a violation of RESPA Section 6.

2. Misapplication of Payments : Payments I made have not been correctly applied to my account, resulting in incorrect balances, improper fees, and a negative escrow balance. This misapplication of payments is a clear violation of both RESPA and the Truth in Lending Act ( TILA ).

3. Inaccurate Escrow Management : My escrow account has been mishandled, with funds going missing, improper charges being applied, and demands for additional payments without proper justification. Roundpoint Mortgage Servicing LLCs actions appear to violate RESPAs requirements for proper escrow handling.

4. Harassing and Misleading Communication : I have received numerous harassing phone calls, misleading information, and threats of foreclosure from Roundpoint Mortgage Servicing LLC. They have repeatedly refused to provide the necessary information about loan modification and reinstatement, which I believe violates the FDCPA and other relevant laws.

5. Denial of Loan Modification and Refusal to Provide Necessary Information : Roundpoint Mortgage Servicing LLC has consistently denied my requests for loan modification without providing a valid reason or the necessary documentation. This denial may be in violation of the CARES Act, CFPB Mortgage Servicing Rules, and other federal regulations.

6. Inaccurate Credit Reporting and Financial Harm : Due to the mismanagement of my account, I have suffered damage to my credit, resulting in higher interest rates on loans, additional financial burdens, and personal stress. This has directly affected my ability to secure financing for essential needs such as transportation and education. 

Detailed Account : A detailed chronological account of events, including documented evidence such as letters, phone call transcripts, emails, and financial records. This documentation provides a comprehensive overview of the numerous errors and potential legal violations committed by Roundpoint Mortgage Servicing LLC.
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I have XXXX credit card accounts with Bank of America. XXXX personal, XXXX business. Both are Alaska XXXX cards. 

For more than a year, BofA consistently applied payments of the balance in full from my checking account. 

In XX/XX/year>, I changed my autopay bank information to draw from a different account, a savings account. XXXX test deposits appeared in my account for verification purposes, and I entered those deposit amounts on the BofA app to confirm that the account was successfully charged. 

In the XX/XX/year> statement, despite successful verification and the presence of sufficient funds in the new account, the first payment failed. I called BofA and eventually the agent suggested that it XXXX have been an account type mismatch ; they had it as a checking account, but it was a savings account. 

I was assured that since this was not my fault, they would correct it and credit any fees and interest. This was not done. Nor was the autopay issue corrected. 

In XX/XX/year>, again there was no payment initiated, and more and more significant interest was accruing. I paid off the entire open balance with an ACH transfer, got another phone call reassurance that everything was taken care of. 

In XX/XX/year>, again it failed. 

A similar, parallel, situation happened with my business card with only manual payments actually being applied and significant fees and interest being charged to me due to BofA 's failure to fix the problem after multiple phone calls, emergency payments, and their " system 's '' refusal to refund fees.
Consumer complaint received 2022-05-06
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. (IN)

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 2024-11-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (OH)

Subject : Dispute Complaint Regarding Collection Account - CKS Prime Investment Account Number XXXX Dear cfpb I am writing to formally dispute the collection account referenced above, which has been inaccurately reported by CKS Prime Investment to the consumer reporting agencies. I do not acknowledge owing any debts to this agency and wish to assert my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I believe this account is being reported in violation of several consumer protection laws. 

1. Dispute of Debt I am disputing any and all debts claimed by CKS Prime Investment. I request that you provide validation of this debt as stipulated under 12 CFR 1006.34 ( b ) ( 5 ). Until this validation is provided, I deny owing any amounts to your agency. 

2. Lack of Validation Information According to 12 CFR 1006.34 ( b ) ( 5 ), a collection agency must provide validation information regarding a debt before it can report this information to a consumer reporting agency. CKS Prime Investment has failed to provide such validation, thereby violating my rights as a consumer. 

3. Denial of Dispute Opportunity Per 12 CFR 1006.34 ( c ) ( 4 ), I have not been afforded the opportunity to dispute this account properly. The failure to provide me with the necessary information to validate the debt prevents me from exercising my right to dispute the account effectively. 

4. Revocation of Communication Rights Additionally, I hereby revoke any and all rights that CKS Prime Investment may have to communicate with me via email, text messages, or phone calls. All future communications should be conducted in writing only. 

5. Request for Debt Validation In accordance with the FDCPA, I request that you provide comprehensive validation of the debt, including but not limited to : - The original account number. 
- The amount of the debt. 
- The name of the original creditor. 
- Any documentation that substantiates your claim. 

6. Request for Purchase Agreement I further request that you provide a copy of the purchase agreement between CKS Prime Investment and the original creditor.
Consumer complaint received 2024-10-05
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. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-05
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$21000.00}
Consumer complaint received 2024-10-05
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-11-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: FISERV INC. (NJ)

On XX/XX/XXXX {$2000.00} was wrongfully transferred out of my money network account. Then on XX/XX/XXXX {$1300.00} was wrongfully transferred from my account. I didn't notice until I received an email saying my balance is {$0.00}. I had to regain access to my account, then I saw that all of my information was changed. Different phone number and bank account. I called money network to dispute the transactions, I got the {$1300.00} reimbursed, but the dispute for the {$2000.00} was not honored. A police report was filed on XX/XX/XXXX. On XX/XX/XXXX, I received a letter in the mail letting me know that my dispute was declined. I have screenshots of the transfers, the dispute iD, the police report, and the account that it was transferred to ( which did not belong to me ).
Consumer complaint received 2024-10-04
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. (NY)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.