davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harley Davidson Financial Services Inc (IA)

Sometime in XXXX Harley Davidson Financial Services began contacting my cell phone which is my only phone and I rely on it for my work as a nurse and when my school aged children need me. They call me XXXX but I 'm most assuredly a female. I have never owned a motorcycle or taken out a loan for one. I told them repeatedly to stop calling me and take my number off their list. I have asked to talk to supervisors. I have asked that my calls be recorded. Most recently they called me on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Enough is enough. I am on the do not call list. I have contacted the XXXX, and made complaints each of the last three times with the FTC.
Consumer complaint received 2016-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

All XXXX credit bureaus are reporting information that I did not authorize and they do have a grave responsibility to ensure that the information on my credit report is accurate ( see XXXX v XXXX ). On XXXX XXXX, 2014 I went to XXXX XXXX XXXX, XXXX to inquire about purchasing a vehicle. I was not informed that my credit file would be pulled by XXXX separate companies and that all of them would be reporting on my credit file. I did not authorize this and had even told this company that I did not wish for this to occur. if I had been notified this would occur I would have declined and would have taken my business elsewhere. At no time whatsoever did I give this permission and by doing so, they are in violation of the FCRA and these items must be removed from my credit report. I have no problem filing a police report and FTC report against this company. When I confronted this company at this place of business, I received no help whatsoever and they stated they would call the police. I was not at fault for any reason so I had no problem with this, as I will take them to court if necessary as this is absolutely criminal for them to do this without my permission. 
The inquiries I did not authorize are the following : XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX XXXX, Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Equifax XXXX XXXX XXXX XXXX- XXXX two times XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX- Equifax XXXX XXXX Equifax
Consumer complaint received 2016-02-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

If you make your payment on line and it is the XXXX or after they charge a {$10.00} Rush fee - even though the payment is not delinquent ( assessed a late charge until the XXXX ) There is no way to pay your payment on line after the XXXX with paying this fee. Additionally, if you pay after the XXXX of the month they assess a late charge and the fee. I want my {$10.00} fees back.
Consumer complaint received 2016-01-29
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

The property at XXXX XXXX XXXX XXXX. XXXX CA XXXX was given to XXXX and XXXX XXXX via grant deed, quit claim deed, will and trust by the now deceased XXXX XXXX XXXX. Furthermore, XXXX XXXX was appointed Executor of the Estate. ( Please see all attached information ). We have sent all of the above mentioned information to Nationstar NUMEROUS TIMES showing that The XXXX 's are now the property owners and should have full authority and authorization to speak on the account. NATIONSTAR IS REFUSING TO ACKNOWLEDGE THIS INFORMATIN. To make matters worse, Nationstar stopped taking payments once they were made aware that XXXX XXXX has passed which is ILLEGAL. 
Nationstar insisted on several occasions that they never received the documents with all pertinent information and then when they did admit to receiving the information, they stated that the documents are not sufficient. This has been on ongoing for months. Nationstar is refusing to acknowledge this information because they want the home to go to foreclosure sale. This is the XXXX HOME/ RESIDENCE and rightfully so. Prior to the death of XXXX XXXX XXXX, she took all necessary steps to ensure her home was protected and Nationstar has disregarded all her efforts. Nationstar stated, and we quote, " the documents are deemed invalid to name the XXXX 's as agents to releases loan information as the documents do not provide financial authorization and power over the debt. '' The grant deed and quit claim deed are in the XXXX name and have been signed and notarized by XXXX XXXX before her passing. That alone should suffice and grant the BOTH XXXX 's authorization. They are trying to bring the loan current and or receive financial assistance and Nationstar is refusing to allow them to do anything because they want to take the home. They will not provide a payoff or reinstatement. The XXXX 's will assert their legal rights and will be filing a lawsuit and naming Nationstar and XXXX XXXX XXXX as defendants as Nationstar is doing their own interpretation of the law, have neglected this issue, breached their duty, and the XXXX will seek damages. It is very apparent that Nationstar is discriminating against the XXXX 's based on their age, race, ethnicity, national origin, and language. We are demanding that these issues be addressed and expect a response within 72 hours or we will be forced to file a civil suit in district court.
Consumer complaint received 2015-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The Transunion Corporation is violating my rights to an honest and true credit report by reporting to the public records section of my file and outdated and inaccurate tax lien that was made in error many years ago. The filed date is incorrect and the item does not include the lien removal slip which was granted by the judge following my attorney adamant appeal at the debt placed against me by the State Tax Franchise board of California. I have asked this information to be verified and have forwarded my tax removal slip to the bureau to be propeller verified and I requested a full and complete report domineering their pruderies and desciprtion during this reinvestigation process nearly 6 months ago and have been provided with ABSOLUTELY NOTHING! I am infuriated and disgusted by this poor attempt at a reinvestigation in my part and have become utterly anxious at the way my credit report is currently being reflected. It is not 100 % accurately because of this tax liens and the mis information it contains and i have been denied a lawful investigation. I have waited past the 30 day mark threefold of a time an don longer will wait for anything to be verified. I will not give this bureau anymore chanced to validate or verify anything. I have had enough and they are required by law, to follow the law, an removed tax lien ... XXXX from my records. It is their responsibility to validate this and they have NOT and it is their responsibility to provide me procedures and the descriptions and they have NOT. Why do i have NOTHING from this company and yet they are allowed to still report this? Why is it that i have mailed them every piece of document i can and the XXXX XXXX recorders office claims that they have receive don calls or validation requests from this bureau? What is it that has validated this? No one and nothing! They claim to use a 3rd party vendor and REFUSE to disclose anything about who they are and how they operate and validate consumer information. I will NOT rely on a 3rd party vendor with my financial life on the line, that is insane and not fair nor is this acceptable. Is this vendor certified? Is this vendor in the United States? Is this vendor knowledgable in the XXXX XXXX court systems? DO they have full and complete access to my report and all of my appeals and court records? When was this Vendor last certified and is their software up to date and FCRA certified and compatible with the law and guidelines? I WOULD NOT KNOW BECAUSE THIS VENDOR IS A MYSTERY AND THIS VENDOR IS RUINING MY LIFE!
Consumer complaint received 2015-12-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I would like to again submit another complaint or better, continue with our previous XXXX submitted in XXXX of 2015. To summarize, we have applied for a modification in XXXX of 2015 with Bank of America after our initial complaint to CFPB. After clearly explaining all reasons why our past modifications have been denied, mainly because we do not file XXXX tax returns, ONCE AGAIN they have declined our modification for the SAME REASON. They have wasted 3 months of requesting documents which we again clearly explained they were difficult to obtain ( even though we submitted our tax returns from our Country ) just for us to enter in their loop of false hope they call " process ''. Last time we spoke with a representative on XXXX XXXX, 2015, they advised us that our application for modification had been denied, they told us they would send us documentation for our son to assume the loan ( another convenient alternative for them ). To this date XXXX/XXXX/2015, we have not received neither a written notification of denial nor an application for loan assumption. At this moment, we are in limbo and will not be able to refinance or modify our loan, meanwhile this huge lender still makes a nice profit on a loan at 6.5 %. I hope CFPB may intervene and stop their abusive practice, as Bank of America certainly is not there to help you.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXXXXXX 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  : XXXXXXXX XXXX XXXX  : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2016-02-17
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (TN)

Please see attached information. 

Now the credit reporting agencies show XXXX late payments FOR PRODUCTS I DID NOT BUY AND CANCELLED DUE TO THE STORES INABILITY TO HAVE AND DELIVER THE PRODUCTS! 
This regrettable action has made me lose my mortgage and also a home equity loan on a home already FULLY PAID FOR! Additionally, I had a credit card notify me my credit limit went from {$7000.00} down to {$500.00}! 
The store, " Menards '' has used both the credit card company and reporting agency as a vehicle to ruin my credit and damage my family, FOR A DEBT I DO NOT OWE! 
My family is rightfully infuriated over this senseless, needless extortion of my family through the erroneous and deceptive practices of this merchant and request immediate resolution to this issue! 

Thank You
Consumer complaint received 2015-07-20
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: NAM National Arbitration and Mediation (CO)

I received a voice mail on my work line, from a woman named XXXX. She said she was with a arbitration group. She said it was regarding a bad check and with the intent to commit fraud. She also stated the last four of my social security number in the voice mail. She stated my salary was going to be garnished or my drivers license was going to be suspended. My daugher then called and said they left the same voice message on her phone. I called the number left. I spoke to XXXX and she stated it was with XXXX XXXX XXXX. I told her I was in the process of filing bankruptcy but she said it did n't matter if it has n't gone to court yet.
Consumer complaint received 2016-02-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (AZ)

i contacted you about an issues with greetree/ditech. they never address the issues and now have started foreclosure proceeding on XXXX XXXX, 2016 please see case # XXXX your agency sue this company for my very issue,
Consumer complaint received 2016-01-30
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AZ)

We saw yorkies for sale on XXXX in XXXX. We texted to XXXX number that was in the ad : " Call or text anytime at. XXXX. : XXXX. :. XXXX ''. They responded by text that they relocated to Maryland but they could ship the yorkies. We transferred {$300.00} by moneygram to a person named XXXX XXXX, XXXX XXXX XXXX , XXXX, Maryland, XXXX. After we did this, we received an email from a shipping company asking {$850.00} for a crate to ship the dogs. We would get this money back at arrival of the dogs. 
We suspect this to be a scam.
Consumer complaint received 2015-12-21
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL (OH)

For many months now I have received automated calls to my number XXXX, often twice daily from the Synchrony Bank requesting contact with XXXX XXXX. I am not XXXX XXXX, I do n't know anyone by that name. XXXX XXXX has never lived on my address. I received my phone number about two years ago from XXXX XXXX XXXX Apparently it was a " recycled '' number and may at XXXX time have been the number for the XXXX family ; I also received many other calls intended for various members of the XXXX family, but the Synchrony Bank calls are the most annoying ones. My attempts to discuss the matter with Synchrony Bank have failed because when I respond to a call, the automated response asks me for the account number or other identifying info. which I, of course, do not have. When I called the main number and finally was able to speak to a live person, I was transferred to XXXX different departments and finally to the " Fraud Department ''. The connection with the " Fraud Department '' was so bad that I could not understand them and they could not understand me. At one point I was told that I have XXXX accounts with the Bank. I tried unsuccessfully to inform them that I have never had any account or any other dealings with Synchrony Bank. I also have tried call blocking through XXXX which gave me relief for XXXX short time but then the Bank apparently switched to another number from which to call me. So, the calls continue. I would greatly appreciate if you could communicate with the bank in my behalf. I am XXXX years old, have an outstanding credit record and feel I am being harassed by Synchrony Bank. My assumption that Synchrony Bank would eventually recognize that these calls are fruitless for them was mistaken.
Consumer complaint received 2015-11-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

To whom it XXXX concern, XXXX negative accounts ( XXXX XXXX XXXX, XXXX and XXXX are fraud charges, NOT MINE. see attachment ) on Equifax credit report are incorrect. Filed claim to equifax fraud accounts to be removed on XXXX/XXXX/2015 with enclosed all CERTIFIED RETURN RECEIPT communications with grantors, police report. Equifax is refuse and ignore to remove fraud accounts from my personal credit report without one valid response, this endless investigations time goes on. 
During the last 60 days investigations, Equifax found that they have different personal ID and information on their record, I had to supply my ID and proof of residency twice, every 30 days. Please see attachment. 
When I knew about these fraud charges was XXXX 2015 by a XXXX collection call. I found grantors of the credit accounts through credit report, notified them there are fraud account opened on my name, demand them to close account and validate via USPS Priority Mail Three times to each grantor ( s ). These grantors ignored my request, never responded me ONE TIME till I filed dispute to credit reporting agency. Please attach documents. 
Equifax has not provide me any valid response as of today, meanwhile, it is keeping negative account on my credit report causing me serious harm. ( My normal credit scores is range from XXXX to XXXX. Due to this credit fraud incident, my credit dropped to low XXXX. My line of credit account credit line has been terminated due to low credit scores and yet agency does not fix its reporting timely manner nor cares to read my evidences/affidavit provided to them at all. 
I can not express in word how devastating process it is to go through with Equifax. Their customer service phone responses were, " if grantor said it is valid, then it will have to stay in credit report for 7 years ''. They are not listening to me nor reviewing documents I attached. 
I have notified all XXXX accounts on XXXX XXXX, XXXX and XXXX that they are Fraud accounts, close account effective immediately three times. And phone and XXXX Mail. And Equifax has the attached documents and yet they act as if they are not reading nor hearing it. 

PLEASE REVIEW MY ATTACHED DOCUMENTS, FTC, POLICE REPORT, EVIDENCE OF COMMUNICATIONS, HELP ME TO HAVE EQUIFAX TO REMOVE INCORRECT DATA FROM MY PERSONAL CREDIT REPORT.
Consumer complaint received 2015-11-13
Product: Credit card — 
Issue: Payoff process — 
Company: NAVY FEDERAL CREDIT UNION (NY)

I have a credit card with navy federal credit union that is now closed but I still have to make monthly payments on it as it still has a balance. I do not receive any paper statements or online statements. Contacted a supervisor twice and spoke to numerous times to customer service reps. The only thing I know is that my payment Due date is on the XXXX of the month. I have no idea what my interest charges are. Everytime I call to make a payment I ask what my minimum payment is and that is how I 've been paying my monthly credit card bill for the past year. Absolutely unethical.
Consumer complaint received 2016-01-12
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

My motorcycle was stolen over 7 years ago and I obtained a police report, with which the debt was removed from my credit. It has now been placed for collection and has been placed on my credit again and they are consistently harassing me about the debt.
Consumer complaint received 2015-06-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX/XXXX/15, Chase alerted me to potentially fraudulent activity on my account. I verified that XXXX checks appeared to be fraudulent. I was told a fraud alert was being placed on my account. I was told that my account would be credited in XXXX business days. The next day, XXXX additional checks were presented. XXXX of them were not cashed due to insufficient funds. XXXX of them were. I called again to update my claim. Again, I was told that my account would be credited in XXXX business days. I called on XXXX to get an update and again, no credit, no additional information. On XXXX, I contacted the bank again assuming that some, if not all, of my funds would have been refunded. At that point, I was told that I needed to submit an affidavit. No one told me that previously. Nonetheless, I submitted XXXX shortly after it was requested. On XXXX, I contacted the bank again expecting to have my account credited as it 's the XXXX business day. Instead I was told that they had not assigned my claim, that it would take an additional 10 days to process, that they could do nothing about my the fees they assessed or the money stolen from my account until that time. My lawyer and I then spoke to their Executive Office seeking their intervention. The person I spoke to said that it would take XXXX to get any additional information. Due to Chase 's failure to protect my money, I 've been assessed fees by vendors, been penalized by another financial institution with which I have an outstanding loan, and have not been able to pay vendors. Chase ' failure is impacting my business negatively.
Consumer complaint received 2015-11-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

My XXXX XXXX loan was transferred to a new servicer, Navient, some months ago. I have several loans and am making timely payments on all of them. My loan serviced by Navient has always been paid through automatic debit. I only periodically check the accounts since I rely on the automatic payments which have always been properly processed. When checking my Navient account today I realized that Navient has not taken out any payments since XXXX 2015. I immediately called Navient to find out what is going on. It appears that somehow my account was placed on academic deferment. Navient was unable to explain how or why. The Navient representative promissed to get back to me in the next week with further information. I am not back in school and I never applied for deferment. Consequently I expected my payments to be automatically debited as Navient as usual. This appears to be a scheme to charge students additional interest. I am really upset because I have been making timely payments and am expecting the principal owed to be going down. Instead, unbeknownst to lenders Navient places loans in deferment and charges interest only. This is extremely alarming and I am determined to seek further recourse to right this injustice. I hope you can assist me with advising what my options are to make this right.