davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MN)

Navient took over my loans and has repeatedly guided me to forbear loans and also to do " interest only '' payments.
When I call them, I get people who can barely understand English and they will not transfer me.
I have told them how much I can afford to pay and they wo n't help at all really. They are thieves. They act like they are there to help but clearly are not putting the consumer in mind.
They need to be stopped.
Consumer complaint received 2024-10-11
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. (NJ)

I previously disputed the improper reinsertion of a fraudulent account from XXXX XXXX XXXXXXXX on my credit report. This account was reported without my authorization. I filed a police report about this account, and it was removed from my credit report. However, a few months ago, the account was added back without notifying me, which violates the Fair Credit Reporting Act ( FCRA ) Section 611. Credit bureaus are required to inform me within five days if deleted information is reinserted. Even after updating my consumer report, the fraudulent account is still being reported by Experian. I received a letter from XXXX confirming they removed the account, but Experian is still reporting it. This is a violation of FCRA Section 605B, which requires blocking fraudulent information when an identity theft report is filed, and FCRA Section 623 ( a ) ( 5 ), which prevents companies from reporting false information after it has been disputed. Additionally, Experian 's failure to prevent this issue shows non-compliance with CFPB Regulation V, which requires credit bureaus to make sure information is as accurate as possible and to prevent incorrect information from being added back. Experians actions show a disregard for these laws. For reference, I have attached a copy of the XXXX letter confirming the removal of the account, my police report, and a letter from Experian confirming the account was removed before.
Consumer complaint received 2024-10-11
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. (CT)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX  XXXX XXXX XXXX XXXX : {$3700.00} XXXX  XXXX XXXX Balance : {$3700.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX  XXXX XXXX XXXX : {$5300.00} XXXX XXXX XXXX : {$1200.00}
Consumer complaint received 2017-09-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

I have 8 credit cards that falls under synchrony financial. Last year sadly to say I was laid off of my job that I had worked for 17 years, this made time a little hard but never the less I have never missed any of my credit card payment for none of my cards even cards that do not fall under synchrony. Synchrony has continued to run my credit reducing my credit limits to what the balances were until they were paid off and then closed the accounts. while I have continued to work hard to increase my score back up by snchrony continuing to reduce my limits to what the balances are, shows the credit reporting companies that my cards are maxed out, which they really are not. This drops my score and then when they close my accounts that also drops my score instead of my scores going up they are contributing to my scores going down. My score will not increase with the way they handle accounts.If I was ever late or not paying my bill that would be one thing but when I am faithfully making my monthly payments that is awful. This is not fair to consumers. I would rather close all my accounts and never do any business with another business that supports synchony. Instead of shopping XXXX I will show XXXX XXXX and etc. This is really bad business and really hurts there long loyal customers. And for the record my score did not drop because I do n't pay my bills its because I have to much credit and after my layoff I was only able to pay the minimum on most of my cards but now that I have started back working I have been working to get all my bills paid off so my score will increase back.
Consumer complaint received 2017-09-22
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. (MN)

I was a victim of identity theft. On or around XXXX XXXX. Someone used my identity to purchase 2 Iphones and a XXXX account. The address they used was XXXX XXXX XXXX, XXXX XXXX MN XXXX. This address is now appearing on my credit reports. I testify that I have never lived at this address and want it removed. Police reports have been filed. I have also begun the process of disputing the claim with XXXX. A Fraud hold has been placed on my credit reports with all major credit reporting companies. I was also a victim of the Equifax breach.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am seeing numerous credit inquiries on my credit report. Unauthorized by me due to the fact I have been hospitalized. I have illness that I am constantly in and out hospital At XXXX point I had my purse stolen from hospital It contained Drivers license social security card bank card and my check book. 
I am looking at my credit karma report and I see many credit request and I did not make them. I how ever was contacted by XXXX XXXX XXXX telling me I owed money but I did not I cleared that out with them they told me to check my credit report due to unexplained fraud activity I do not recognize inquiries below Dates XXXX/XXXX/XXXX. XXXX Bank XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX / XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX
Consumer complaint received 2017-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC. (NV)

XXXX XXXX XXXX was initially on my credit as a public record for an apartment somewhere in South Carolina starting in XXXX. I was in the XXXX XXXX from XXXX to XXXX in XXXX XXXX, NY. I disputed the transaction multiple times, and finally it was deleted from my credit in XXXX for a couple of months. It came back and this time it was n't under public records, but under collections. I 've written to the company requesting information to prove it was me, but I never received a reply with supporting documents. I have documents and discharge papers proving it was I was stationed in New York, and I still have n't seen any progress.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Dear Equifax : It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumer 's credit report. Demonstrate that the hard inquiry for XXXX XXXX XXXX dated XXXX 2016 met this requirement, pursuant to the Act.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Dear Equifax : I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for XXXX XXXX XXXX was placed within my credit file in XXXX, 2017. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon Equifax to follow the law : Either provide documentation that the law was followed by contacting XXXX XXXX XXXX at once, or remove this offending inquiry as soon as possible. 
Yours truly, XXXX XXXX
Consumer complaint received 2017-11-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Checking Account at Bank of America-XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX, an unincorporated voluntary association. On or about XXXX XXXX, XXXX a Bank of America Officer closed the account and credited the funds to another association, based on their claim that " the owner/signers of the account resigned, left town and ca n't be located ''. They had no account number, check book, debit card or any account documents. The Bank made no attempt to contact the signers/owners. The closure and money disbursement was UNAUTHORIZED. The Bank sent no notice or closing statement. To this day we have not received a statement. We went to the Bank in person only to be told that another account now had the funds and told us of the " left town '' claim. We filed a complaint on XX/XX/XXXX, copying XXXX XXXX, Retail Banking President, and Audit in North Carolina. Their response on XXXX XXXX was that we contact the other party and resolve our dispute!! or they would file an interpleader action in court and charge us for legal fees. Our dispute is with the Bank for failing to secure our account, following no customary procedures for account closure, conversion, and negligence. On XXXX XXXX we wrote yet another letter to XXXX XXXX and the XXXX XXXX XXXX asking where their disclosure agreement gives them authority to close our account based on the deceptive claims of outsiders and without authorization or consent of the account owners ; they have yet to respond. When an unauthorized charge is reported on a credit card, funds are replaced almost immediately. I have never heard of a Bank asking the account holder to go " work it out '' with the scammer.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX is reporting inaccurate information on my credit report concerning a bankruptcy. The U.S. Bankruptcy Court does not report case information to credit reporting agencies per the attached letter from the Court. 

Specifically, XXXX XXXX is reporting account numbers that are different. The credit reporting agencies have all indicated that the information was verified by XXXX XXXX, not the U.S. Bankruptcy Court. XXXX XXXX has indicated that it used information from XXXX, not the Court. The information is different and inaccurate. Please see attached.

The credit reporting agencies are using information that XXXX XXXX purchased from a disinterested third party that is unreliable, incomplete and inaccurate. 

Since it did not get the information from the Bankruptcy Court and the court doesnt report case information to XXXX XXXX, it has verified inaccurate information and the credit reporting agencies have used this information willfully and negligently. A violation of the statute.
Consumer complaint received 2017-11-27
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: Experian Information Solutions Inc. (WV)

I requested that credit over two years old be deleted and that accounts in good standing be updated to show an older history of accounts from auto loans and credit history with the XXXX XXXX XXXX XXXX be updated. A recent response to a credit increase from XXXX XXXX listed among factors or denial were! ) Length of time accounts have been establish and 2 ) Too many inquiries in the past 12 months, All were based on information reported by Experian. 

I am submitting this request to CFPB because my effort to obtain the desired result in a letter I sent to Experian on XX/XX/2017 seems to have been ignored. I have not received a written response and these items have continued to adversely effect my credit history and credit score.
Consumer complaint received 2017-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have never authorized XXXX XXXX XXXX to collect or share any information about me. I have no contract with XXXX XXXX XXXX and have never requested any money nor services from them. They have no legal right to be on my credit report. Delete this account from my credit report immediately, or provide me with contracts validating I have a contractual agreement with XXXX XXXX XXXX. In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d.  Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. 

No Contract with XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$590.00} Opened : XX/XX/2015
Consumer complaint received 2017-11-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Im having a severe issue with Citizens Bank. I made a deposit before XXXX and they didnt post it correctly which has resulted in them chargeing me {$170.00} in fees which my account is {$170.00} negative. So for being {$7.00} overdrawn they charged me {$170.00} in fees which is outrageous. They do all their posting at XXXX/XXXX so i have no idea my account has gone negative until the next day and have no chance to make it positive before being hit with fees. They pick and choose which transaction order they want to post to get the most for fees.
Consumer complaint received 2017-11-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Debt created by XXXX XXXX XXXX enclosed document will explan every thing on how debt was started. I will up load all party in vovled firsrt Transunion credit credit reporting agency 2. XXXX XXXX XXXX 3. the reporting other is to XXXX XXXX XXXX open XXXX XXXX,2017 Original Creditor. XXXX XXXX At XXXX debt amount XXXX I Dispute this debt and need it remove now. p.s. this is a complaint on all party listed.
Consumer complaint received 2017-11-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (WI)

I recently learned that a fraudulent account in the amount of {$500.00} was opened in my name via Speed Cash 's online process. 

Speedy Cash seems to have no issues providing cash to a fraudulently opened accounts but when it comes to answer question posed by fraud victims they and their compliance staff can not be located or wo n't answer. 

Speedy Cash 's business model, which loosely verifies identities via its online application process is an inherent danger to the general public. Their processes puts the onus on the fraud victim to show that the account opened was not theirs. Why should the general public have to spend their time getting police reports to satisfy the fact that the company has inappropriate policies and procedures to protect the public from fraudulent accounts? 

I have tried to contact the Firm 's compliance officer, chief compliance officer and public relations officer and apparently they are not willing to discuss their process with consumers and have failed to return my email. Further, I have requested to speak directly with their compliance officer but was told by customer service that their compliance officer does n't speak to consumers. As a compliance officer myself, in a different industry, I never hesitate to pick up the phone and explain policies and procedures and in general educate consumers whenever possible. Clearly their Firm 's view on compliance is narrow and in effective. 

Please take a look at this firm and ensure their policies and procedures develop significant safeguard to protect the general public from accounts fraudulently created in their name.
Consumer complaint received 2017-09-21
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Charter Financial Services, Inc. (CA)

I just received a scam to scare us into about our equity of our home that would become interest payable to our lender if we did n't take action with Charter Financial Services. It is saying the HUD 's letter will directly impact our Reverse Mortgage. It is a scare tactic to get a new Reverse Mortgage at zero cost to us.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I placed a dispute with the Experian regarding an XXXX/XXXX XXXXXXXX showing as not paid in full. Experian refuses to update and validate this information. This account has been paid in full as of XXXX XXXX, XXXX
Consumer complaint received 2017-09-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BANKERS HEALTHCARE GROUP LLC (PA)

In the beginning of XXXX XXXX, I borrowed money for business from a company. They said I was preapproved for {$100000.00}. I agreed to take only {$65000.00} at the time. On XXXX XXXX they deposited {$64000.00} to my personal checking account and they sent me a bill for {$72000.00} at 11.99 % APR. The {$8000.00} was added for document fee insurance, and reimbursement fee. I got a call around XXXX XXXX from the company and they said that I left {$35000.00} loan that I was approved and the agent insisted I that I take it. I agreed to take it. They deposited {$34000.00} and sent me a bill for {$40000.00}. I was charged {$5500.00} on document fee, insurance, and other fees. I paid off both loans on XXXX XXXX. They reimbursed me only the reimbursement fee that they addedin the beginning of the loan, which was {$2200.00}. When I researched the complaints that other customers of this particular company made, I learned that the company waives the insurance on the loan, if the borrower has life insurance. But, I was not asked if I had life insurance, which I had. But, they simply added {$4500.00} and {$2400.00} on the first and second loan respectively. Both insurances fees accrued {$1600.00} in interests over the course almost two years.
Consumer complaint received 2017-09-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I had a mortgage with Wells Fargo on my coop. I paid it off in XXXX. In XXXX I sold my coop. Wells Fargo lost the original stock Certificate and propriatary lease. My coop required a suriety bond to cover these lost documents. Wells Fargo would only cover my lawyer fees to obtain the admission from Wells Fargo that they lost the documents. 
I was required to obtain the suriety bond myself in order to go to voiding before the contract expired.
Consumer complaint received 2017-09-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Business & Professional Collection Service Inc (NV)

I went to the hospital for a XXXX XXXX on XXXX XXXX, XXXX and incurred a large bill that my insurance paid all of but a {$580.00} portion that was my responsibility that was not paid. That amount now shows on my credit report as being placed for collection XXXX/XXXX/XXXX which is incorrect. XXXX XXXX XXXX XXXX XXXX XXXX who provide the service ( s )  sent me late notices in XXXX of XXXX. While I do n't have copies of them I do have copies of a bill from one of  their bill collectors XXXX and XXXX XXXX XXXX from XXXX XXXX, XXXX showing the debt amount and that they are charging interest on the debt. I believe the debt collector knowingly " re-aged this debt '' which is a violation of the Fair Credit Reporting Act by reporting inaccurate information about my accounts to credit bureaus. In XXXX XXXX I sent a letter of dispute to the credit reporting agencies saying the debt was from XXXX and the " hospital collection service '' verified it as accurate. This is a practice of unscrupulous debt collectors and I feel they should be punished for it as it has adversely affected my credit rating and increased the cost of credit I have obtained over the last couple years because this collection is being inaccurately reported in my credit file. Other debt I had incurred from this same hospital visit has been removed from my credit file.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

THESE ARE UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT, THAT IS BEING REPORTED. THERE WAS BREACH IN EQUIFAX TO WERE MY INFORMATION WAS COMPROMISED. RESULTING IN THESE INQUIRIES TO ALL CREDIT REPORTING WITH EQUIFAX, XXXX AND XXXX. 

XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX
Consumer complaint received 2017-11-27
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Real Time Group, Inc. (NV)

This is a rebuttal to the response that XXXX XXXX XXXX replied. I DID NOT ASK THE DEFINITION OF A CHARGE OFF I am well aware of what that means. It 's a bank code that is used to show a loss. That did not answer any of my original questions with this company. What this company is doing is Double Jeopardy in a sense,. The initial company charges off the same account that they purchased or took over. The account number is the exact same as the initial. This makes the mortgage look as though it was charged off twice. Where is the signed documents? Where is the payment history? I did not ask them what the other company was did I asked what kind of underhanded treatment they are trying to pull. Just what accurate law and regulations are they quoting? How is this even close to being legal? For the first company to charge it off and then again this one. I would think that this violates the Fair Debt Collection Practice Act which would include unfair and deceptive practices. I want to see a Mathematical audit on this account.