davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Hunt & Henriques (WA)

This debt collection law firm, sue me and won the case. My wages were garnished for 1 1/2 years, I believed ending in XXXX 2016. On XXXX XXXX, 2016 my wage garnishment started up again. I contact my employer and they said that it was sent a letter of an adjustment of my balance. The total amount that I owe in the lawsuit was {$10000.00} and my employer said that it was the same company that is taking the garnishment again. I contacted the Hunt & Henriques and I was told that it was fees and that my employer may have thought they have collected the total amount. I asked them what the amount was for and they just told me fees. The original amount of the lawsuit was paid off and they are now collecting more money for fees that was not on the original lawsuit amount and did not sent me notice or information on these additional fees of {$1000.00}. I have try to contact them and leave messages, but they have not contact me back. I have originally talk to representative name XXXX regarding the situation. He told me to call my employer about the start up on the garnishment, but my employer said that it was Hunt & Henriques that reissue that paperwork to my employer. I believe they are illegally charging fees on top of fees that are out side the lawsuit that was paid out. I have not contact a lawyer, but would like my money back for the garnishment they are taking out of fees that they did not disclosed to me. I believe if they are doing this illegally to me that they are doing this to other consumers.
Consumer complaint received 2016-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

Equifax continues to report XXXX inaccurate late pay of my student loan account on my credit file. They are overlooking that it was not a late pay as my account was in forbearance with my credit furnisher. Further more the FCRA State that they must report my account accurately. The FTC also states that under the FCRA laws is must report to accurate information regardless of the fact that it was reported correctly before. SEC. 464 of the HEA ( Higher Education ACT ) states that information must be corrected to reportedly accurately because my account was in forbearance within the period that is showing a late pay. No payment was due therefore ensuring that my account was never late. I was in forbearance and my account has been current from then on. It must be changed immediately as it is negatively affecting my credit report. I have talked to both the CRA and the furnisher and they seem to point the finger at one another and I need this to be deleted immediately or i will be forced to take Equifax to small claims for damages.
Consumer complaint received 2016-12-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAINE & WEINER COMPANY, INC. (OH)

I have an unverified account from CAINE & WEBER COMPANY, INC. I had previously disputed this account. I have never done business with CAINE & WEBER COMPANY, INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CAINE & WEBER COMPANY, INC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CAINE & WEBER COMPANY, INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2017-07-10
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. (IA)

Hi, I would like to say that this is overwhelming to me already i have sent letters to all creditors that appear in my credit report that have inquire about me i have ask for them to prove to me that they have got my permission to get my credit report and 90 % of them are all online inquiries and i have not done none of them i also told them in letters to please prove to me its me or to remove the inquiry and they have not responded with proper documentation, and they dont want to remove them selfs only XXXX & XXXX removed them selfs this is hurting my credit reports CFPB please help me get a better responds. <P/>i have hire company such as XXXX & XXXX XXXX to get this issue resolved and no this creditors dont want to get out of my report.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was paid on time. Consumer reporting agencies need to report all information accurately. This account has not been late on payments Ive attached a copy of my report to this complaint on XX/XX/year> and XX/XX/year>. I'm now requesting you investigate this account and update these payments to be paid on time immediately. 
Thank you for understanding and taking the time to take action. 


Respectfully submitted, XXXX XXXX XXXX
Consumer complaint received 2016-07-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I have presented an Afidavit from XXXX XXXX XXXX XXXX regarding an erroneously reported {$1300.00} State Tax Lien that simply states that the lien should never have been posted and has officially been deleted from their records. In addition, the court asks that all credit bureaus remove the lien in the public record 's section as it never should have been picked up the bureaus. Both XXXX and XXXX immediately removed the lien and my scores rose close to XXXX points. Equifax refuses to comply, refuses to escalate my calls, emails, and mail to a supervisory level and refuses to offer an explanation or afford my wife or I the opportunity to discuss. I have also filed a complaint against Equifax with XXXX XXXX XXXX, Chairman of the XXXX XXXX. Equifax 's XXXX Mortgage Score XXXX is below my mortgage loan threshold so I 've had to personally spend my IRA money to finish my retirement home after 40 years of XXXX. Equifax 's refusal to comply with the XXXX XXXX of XXXX XXXX will cost me more than {$2.00} XXXX of my life 's savings and IRA. Their ability to negatively affect any US citizen 's life without any accountability is unacceptable. In my opinion, the laws regarding the for profit credit bureaus need to be changed and Equitable should lose their right to issue credit ratings. Essentially, they are ignoring the court 's request, for no valid reason, and seriously affecting my life. They seem to be going out of their way to destroy my finances ... because they can.
Consumer complaint received 2016-12-05
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (FL)

First American Title in XXXX did the title work for our mortgage refinancing. We 've moved to Florida and planned to do closing here. We were looking at closing during XXXX week. After the bank issued our Closing Disclosure, I called the title company to ask about wiring the money we owed at closing a day early in order to avoid any problems with the holiday. She agreed that was probably a good idea to be safe. I went to the bank immediately, and wired the money. I emailed the closer at the title company when I returned to let her know the wire had been sent. Two hours later I got a call from the bank asking my permission to modify my CD. The title company did n't realize we needed a remote closing and now wanted to charge an additional {$160.00}. I know the CD has to be accurate and that it was too late to ask for that money ( besides, I did n't have any more to pay! ). The bank escalated with the title company, but they refused to waive the fee. I was told that either we paid the fee or they would n't do the closing. Had I not already wired the money, I would have gone to a different company. The bank tried everything to work with the title company, but they would not budge. At one point, a member of the bank staff told me, " They know this is against the law, but they do n't care. '' I 'm filing a complaint because they broke the law by demanding an additional fee after the CD was issued.
Consumer complaint received 2016-12-20
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: STERLING JEWELERS, INC. (OH)

I received a call saying that I was being served through my old county that i lived in. The caller said she will serve me at a certain time and if I did not accept or was n't there they would proceed to court. They left a number to call with the debt collector. I called and worked out payments. i did call the county that they said i was being served in and the courts said there was no such file against me.
Consumer complaint received 2016-08-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (OR)

I am in the middle of trying to get a mortgage. As part of preparing to make sure my credit scores are up to snuff, I ran my free yearly credit report using XXXX free credit report website. I did that in XXXX. At the time, my Equifax credit score was XXXX. In XXXX, I contacted several mortgage companies to seek a mortgage for a home purchase. They of course ran credit report on me. XXXX company sent me the report and my Equifax score had dropped to XXXX. I called Equifax to inquire why my score dropped. The agent I talked to OPENLY admitted that they see a person making a free yearly inquiry into their credit as a negative and give the credit score a negative mark -- -Even though it 's supposed to be 100 % legal to get one 's yearly credit report without risk to one 's credit score! Furthermore the agent admitted they also take the mortgage inquires as negatives as well -- -Even those as well are supposed to NOT negatively impact a credit score if they fall within a XXXX45 day window. 

So in essence, an agent from Equifax admitted they are using illegal credit scoring practices. 

I tried to confront Equifax about this but trying to get through to them is nearly impossible. Also, once the agent admitted the truth about their practices, the phone call was disconnected and I have not been able to get back through to any other agents. 

Bad business practices by Equifax that deserve some sort of penalty? Definitely. 
I could sure use your help in this matter to help put and end to this.
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (WV)

I have a public record on my file that did n't belong to me but whoever used my SSN fraduently managed to get and my wages were garnished to pay it off. I 've disputed this to have it removed as it 's not mine originally but was paid in full and released by me XXXX and XXXX have deleted it but Equifax will not
Consumer complaint received 2016-07-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Solomon and Solomon, P.C. (CT)

As agreed i paid the amount that was owed. Account is closed and current and should be removed from my credit report. The amount Solomon and Solomon are reporting and the amount i owe XXXX were not the same which makes it look like XXXX different credit reportings. The collection agency did not ever contact me they just made a collection report on my file.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MS)

I contacted Navient to let the, know I was unable to make a payment on my loan, and to see if my pay could be lowered or deferred. They placed me on hold, and the young man came back and said that they saw someone else been making payments on the loan as well. He said that I was unable to get it deferred. They stated that I would have to make arrangements with my co-signer to split the payments in half.
Consumer complaint received 2016-08-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I opened a account with bank of america over 8 years ago and at the time was told that i will not have any maintenance fees on my account, than in XXXX they started charging a {$12.00} maintenance fee without warning or being told that at all. when i contacted them they said it is because i did not fill the waiver requirements, which i never have, not before XXXX either.
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

After looking at my credit report I noticed an unusual amount of credit inquires. Most of the inquires were inquires that had previously fallen off. I called transunion after learning about their security glitch. I was told that there was nothing they could do to help remove the high number of inquires. I believe this is negatively effecting my credit scrore. 

hard inquires not authorized or orginally fell off report ; XXXX XXXX I XXXX XXXX XXXX XXXX I 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 XXXX Also I attempted to have my name updated my personal information. I am now married and would like my married name reported on my report. Its hard trying to apply for credit and not being able to be verified because my name is different in tranunion 's system.
Consumer complaint received 2016-12-21
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Flagstar Bank, N.A. (CA)

I started the refinance process with my current lender back in XXXX 2016. After submitting all of the requested information in a timely manner, they informed me that too much had passed and that I needed to start the whole refinance process over again. 

I resubmitted all of my information once again and after repeated attempts to check the status of my refi, I was finally informed that the person I had emailed all of my information to " was on leave '', then later " got into a car wreck '', so I once again, had to submit all of the same information I had submitted months ago. 
Recently, they 've begun requesting further information beyond their original requests, have led me on by saying my loan is " approved with conditions '' they keep changing and meanwhile, interest rates have risen and they continue to ask me for documentation I 've already submitted. Again and again. no financial institution should be allowed to waste a customer 's time in this manner presenting false hopes of reducing their mortgage payments.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I have my Federal student loans serviced by Navient, whom I believe misguided me into a repayment plan that is very favorable to their bottom line, and not my achievement of paying off the loan. They are receiving massive chunks of my payments in the form of interest with my total balance owing barely chipping away. Their representatives have not offered any alternative solutions to help benefit both parties.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

First, I was paying off a loan under my mother 's name via direct debit from my bank account, and Navient picked up the loan mid-way through the repayment term. They not only stopped the payment from coming out without letting me know, but did n't contact me or my mother until over {$200.00} was accrued past due. I called multiple times and was either cut off during transfer or continually transferred to the incorrect department. Has since been resolved, but SUCH a hassle. 

Also, I had XXXX loans paid off upon purchasing my new home ( money gained from sale of old home was used to pay off XXXX private loans ). I was awarded a refund check for amounts overpaid but I am pretty sure I should have received more and never really got a good explanation as to why I was refunded such a small amount. On top of that, it has been over a calendar month since the refund check was " issued '' and I still have not received it. Now, I have to have them cancel the original check, send in a request for a new one ( 10 business days ) and wait for them to re-send the new check ( another 8-10 business days ). This is not a customer-friendly way to run a business that deals with SIGNIFICANT amounts of peoples 's hard earned money. 

I do n't 100 % understand how these loans work, but I know my interest rates ... and from looking at my monthly payments and how LITTLE actually comes off of the principal balance, there HAS to be something fishy going on there. 

Finally, I received my tax documents and for a year 's worth of student loan payments, ( mind you, balance was over {$19000.00} most of the year ), I could only claim {$45.00} in interest? That does n't seem right.
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MO)

I DID dispute information only showing on my Equifax credit report regarding a judgement that I do NOT owe and asked for validation proof regarding the item on credit referring to XXXX county court for a XXXX XXXX. No other reporting agency is reporting the item only Equifax. I sent my dispute on XX/XX/XXXX certified mail and to date they have never responded and the item is still on my credit report. This item is keeping me from get a mortgage and causing financial distress. This is a violation of my rights and they have ignored my validation request. they need to remove the item immediately. I have attached the proof I sent the dispute by certified mail and the proof they received my dispute as well as my credit report. Please help
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Consumer complaint received 2016-08-02
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC (PA)

I repeatedly asked for verification of this debt to prove that it was indeed mine. I have net received any proof that this is my debt. All that is sent to me is a previous bill that was issued. Once a fraudulent account is open of course there will be a bill generated that dies not provide verification that the debt is valid. Please delete from all credit reporting agencies at once and stop violating my rights
Consumer complaint received 2016-08-02
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Aargon Agency, Inc. (CA)

I have contacted this company 4 times about account numberXXXX- I have been ignored!!! I need your help maybe they will respond to you. I have no idea what the account is for or who it belongs to it just appeared on my credit.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : 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