davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-29
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: CORELOGIC INC (TX)

on XX/XX/XXXX and XX/XX/XXXX XXXX reported hard inquiries on my credit report without my consent. I 've contacted the creditor with no success of removal
Consumer complaint received 2017-12-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (LA)

I filed a complaint back in XXXX with CFPB against XXXX XXXX XXXX. I have yet heard from XXXX XXXX XXXX and 15 days have passed. The debt is {$190.00}.
Consumer complaint received 2016-04-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (CA)

During a Chapter XXXX status ( XX/XX/XXXX-XX/XX/XXXX ) my mortgage company changed their name and address without notifying me or my attorney. Thus causing many of my mortgage payments to arrive late incurring fees, fines and penalties. Only after the discharge of my chapter XXXX, was I informed of the new name and address changes. Several telephone contacts failed to resolve this issue. They were unwilling to remove or forgive the unfair late fees, fines and penalties but offered to " ... spread out the outstanding balance over the remaining life of the mortgage or attached it at the end ... '' Before filing chapter XXXX, I was seldom late and after the discharge of my chapter XXXX I 've not been late. I 've received harassing telephone calls from my mortgage company requesting the " outstanding balance ... '' at least twice a week.
Consumer complaint received 2017-12-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CT)

Please look at complaint XXXX originally submitted in XXXX. I just received an email from CFPB that Navient responded and the case is closed. Please read my feedback. Nothing has been accomplished. Navient is not honest in its dealings and CFPB just seems to go with it no questions asked. They are saying my sister never called them, and she has on several occasions and left messages as the phone number they provided just records messages. No one ever calls her back.
Consumer complaint received 2016-12-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FIRST HERITAGE CREDIT LLC (LA)

Keep getting called for a debt I do not owe. I 've called them XXXX times to ask them to remove my number. They are asking for a person who I do not have contact with. They keep telling me they will remove my number but it has yet to happen.
Consumer complaint received 2016-11-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Penn Credit Corporation (NY)

I drafted XXXX debt validation letters to Penn Credit Corporation around XXXX 2016 and XXXX 2016. I was requesting validation for a debt from XXXX that is over 6 years old. They ignored all of my requests for validation and are damaging my credit report. 


Please investigate
Consumer complaint received 2016-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (VA)

Hello! Navient is now the administrator of my student loan and my loan terms appear to have changed based on what I see on the web site. I have a 3.25 % fixed interest rate with a remaining principal of {$9100.00} as of today, and I make monthly payments of {$170.00}. The web site indicates that I 'm on a 2-year interest-only payment schedule beginning XXXX XXXX and that my loan will be paid off in XXXX -- neither of which are accurate based on the terms that have existed since these loans were consolidated in XXXX. I have unsuccessfully tried to speak with a human being at Navient to ask about this many, many times. ( The line always disconnects before I am transferred. ) Additionally I never receive a call back from their automated system when I opt for that options instead of waiting on the line. I did not approve any changes in my loan terms and I would like documentation of my exact payment/payoff schedule to confirm everything is as it should be. Thank you for your assistance, and for your very existence as an organization!
Consumer complaint received 2016-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed Chapter XXXX. I received a XXXX settlement and filed a dismissal that was voluntary. They continue to show wage earner plan and this is not accurate. I have filed several disputes and still same run around. I have XXXX mortgages XXXX XXXX XXXX and XXXX XXXX as creditors. They show paid but wage earner plan this ie not accurate. I sent my HUD Settlement where the house sold and both we paid by wiring funds directly to them. They have all documents and still refuse to correct and show sold they show payments made through wage earner plan All their information is wrong and I am being affected by my score and they continue to report errouneous info.
Consumer complaint received 2017-12-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FULTON FINANCIAL CORPORATION (FL)

My husband and I paid off our auto loan with XXXX XXXX XXXX in entirety on XXXX XXXX, XXXX. It is now three months later and we still do not have the title. We have wasted countless hours on the phone trying to track it down. Our mail was being forwarded from our previous address, and we have had no issue receiving anything else. 



My husband spoke with XXXX XXXX who mailed us a form to fill out to get a duplicate of the title, which he had to go to the trouble of filling out, gather supporting documentation, and sending to the DMV in NJ - and waiting. We contacting the NJ DMV before the holidays and were told they were backed up and it could take weeks. This is now directly affecting the proper legal registration of the vehicle with the state of Florida. 



I would like to know exactly where the original title is at this moment? XXXX XXXX XXXX felt they could lecture me over a late payment and " not being a responsible person '' - yet my entire title is now missing? I have had to pay late fees when I drop the ball, so what consequence is the bank facing for losing my property? 


We paid off our loan, and should have had our title months ago. There is no excuse for this and an apology is simply unacceptable at this point. I would like the bank to obtain my title so I can properly register my vehicle immediately. I would also like every late fee I have ever paid to the bank to be redistributed to me as they should be held to exactly the same standard as their customers are. If the shoe was on the other foot the bank would be seizing my vehicle. This is not acceptable and I would like a proper explanation as to how this is okay for a financial institution to operate. We will be seeking legal action if this matter is not resolved in the coming weeks.
Consumer complaint received 2017-12-29
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: TD BANK US HOLDING COMPANY (TX)

On XX/XX/2017 TD Bank XXXX reported hard inquiries to my credit report. I have never applied for credit at TD Bank. I have contacted the creditor and have had no success on removing inquiries
Consumer complaint received 2017-12-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I made a SEPA transfer of XXXX Euros to COINBASE on XXXX XXXX, XXXX. Until this day the amount is n't available in my Coinbase account. My bank told me that the transfer has gone through. Coinbase usually has the money available within 2 to 3 working days, which was the case of my previous transfer. For this one, it is taking too long. The phone support line does n't handle money transfer issues, so I used the online " submit a Request '' form at Coinbase 's website to no avail. The details of the request are : " I did a SEPA transfer from a XXXX bank on XXXX XXXX and I still have no available funds on coinbase! I could have doubled this amount by trading by now. Where is my money? 
Case ID : XXXX Updated : XXXX XXXX, XXXX XXXX PST Created : XXXX XXXX, XXXX XXXX PST. " This is preventing me from making some good investments I had in mind and I urgently request help in solving this issue. 


I 'm attaching the transfer details ( One PDF with the summay of the transfer, from my online account, plus the picture of the document that the Bank gave my in paper with all the transfer details along with its translation.
Consumer complaint received 2017-12-29
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. (GA)

To Whomever This May Concern : My name is XXXX XXXX XXXX. I am reaching out to you because of items that are on my credit report that should n't be on there. I have tried dealing with this directly through the credit bureaus, but nothing has happened at all. The items and bureau that need to be dealt with are : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, and Equifax : XXXX XXXX XXXX XXXX XXXX. 

I have attached my police report and driver 's license to this complaint. This is the last time that I file a complaint. My next step is to file a lawsuit again the CFPB and all credit bureaus. This stuff does not belong to me and it needs to be removed immediately.
Consumer complaint received 2017-12-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Consultants, Inc. (NC)

This XXXX XXXX ( Debt Collector ) keeps calling all times during the day and calls late at nighttime too ( After XXXX XXXX ). In the year this company has called over XXXX times, even when I have told them not call anymore.
Consumer complaint received 2017-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TX)

Originally I opened a Synchrony Bank JCPenny card on XXXX/XXXX/XXXX. On XXXX of XXXX fraud was committed on the account and the Balance was sold to a debt collector. I have spoken to the debt collector XXXX XXXX and they have agreed to remove the debt from my credit report. However, JCPenney continues to report to CRA 's as a Charge -off. 

I 've explained dozens of times that fraud was committed on my account and they have yet to help. I 've disputed this many times and still have no resolved actions.
Consumer complaint received 2017-12-28
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: Experian Information Solutions Inc. (GA)

To Whomever This May Concern : My name is XXXX XXXX XXXX. I am reaching out to you because of items that are on my credit report that should n't be on there. I have tried dealing with this directly through the credit bureaus, but nothing has happened at all. The items and bureau that need to be dealt with are : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX : XXXX XXXX XXXX XXXX XXXX. 

I have attached my police report and driver 's license to this complaint. This is the last time that I file a complaint. My next step is to file a lawsuit again the CFPB and all credit bureaus. This stuff does not belong to me and it needs to be removed immediately.
Consumer complaint received 2017-12-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (OR)

My XXXX boys received NetSpend XXXX debit cards for XXXX last year ( XXXX ). Each was loaded with {$50.00}. The cards were not activated until XXXX XXXX, at which time we notified NetSpend that we would NOT be reloading the cards and simply wanted to activate them as " one time use '' cards. A PIN was established for each card and we were charged an " activation fee '' of $ XXXX/card, reducing their value to {$44.00} each. 

Over the next few months, we attempted to use them at a wide variety of stores without a single successful use. We eventually just gave the boys cash instead. 

Today, we called NetSpend to see if we could finally get resolution. Instead, we discovered that NetSpend has been charging a monthly fee of {$5.00} since activation and the card values have been fully depleted. So for {$100.00} sent to NetSpend, we received {$0.00} value and 100 % frustration. We were never informed that there would be monthly fees deducted from the accounts and were unable to find a single business whose credit/debit system would accept these cards. 

This is the very definition of a scam. I assume that most people put $ 20-50 on the cards to use as gifts and recipients simply give up on use and throw them away, leaving NetSpend with all of the money. 

Contact information is www.netspend.com, phone XXXX. Cards are issued by XXXX XXXX XXXX, phone ( XXXX ) XXXX. XXXX is headquartered at XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. Their email is XXXXXXXXXXXX.
Consumer complaint received 2017-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX I logged into my online corporate card account to make a required payment but received a notice that the payment could not process. After attempting a second time, I discussed the issue with a co-worker and we both agreed that the payment system must be glitching ( again ). As such, I dialed the customer service number and proceeded to make the payment over the phone.

On or around XX/XX/XXXX I noticed on my personal account that JP Morgan had erroneously accepted two of the payments and withdrawn the corresponding balances from my personal account without permission. Although I authorized the bank to retrieve funds from my account, I would never have authorized a double posting under these conditions. 

Soon after identifying this issue, I contacted JP Morgan and got the proverbial " run around '' until they finally pledged to refund the erroneous second payment. The representative indicated that the reimbursement would be issued through a check and that ACH was not an option, despite having used ACH to obtain the funds. 

As of XX/XX/XXXX I have still not received my refund and yet the payment within JP Morgan 's system has been reversed. This essentially means that I am floating JP Morgan about {$360.00} of my own personal funds due to their system processing errors. When I called the customer service representative for an explanation, the representative ( XXXX ) indicated that this is JP Morgan 's procedure for handling refunds. Rather than waiting for a successful reimbursement to clear, the staff actually reverses the payment in anticipation for the refund to clear. If payment is not received, XXXX said to call back and they will work on it again. 

I am disappointed with this entire process and urge you to look into a reasonable remedy.
Consumer complaint received 2017-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims  credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2017-12-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

Company failed to provide document bearing my signature stating I have a contractual obligation to pay them. I want this removed from my credit report Looking at my credit report back in XXXX of XXXX I saw accounts in collections and I never gave any company the right to share my information. One for {$58.00} which is listed on my credit report as account XXXX and another for {$92.00} which is listed on my credit report as account XXXX. I sent a letter to the agency on XXXX the XXXX XXXX requesting that they validate the debt AND show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I was sent bills on XXXX XXXX XXXX with itemized records showing procedures that were performed stating I owed them but they never provided me any evidence bearing my signature that I have ever had some contractual obligation to pay them. Also, the medical bills I received revealed personal and medical information about me. I sent a follow up letter on XXXX XXXX requesting this information and they failed to respond within 30 days of receiving the letter. They are in violation of FDCPA and FCRA.
Consumer complaint received 2017-01-19
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

In XXXX 2016 I pulled a copy of my credit report. I sent a certified letter on XXXX XXXX, 2016 to One Main Financial which was listed on my credit report requesting validation of this account. I requested that if they could not validate this debt that the entry be deleted from all credit reporting agencies. They did not comply with this request. On XXXX XXXX, 2016 I pulled another copy of my credit report and noticed that One Main Financial did not furnish the credit bureau 's with the required disclosure within the 30 day period required by law. Under Federal Law they are to place a " notice of dispute '' on my account within 30 days of my dispute which they received in XXXX 2016. I sent a certified letter to One Main Financial on XXXX XXXX, 2016 informing them they were of this federal law violation. To date they have not deleted my account as requested and they are clearly violating Federal Law.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Under my rights as a federally protected consumer under 15 U.S.C. XXXX  XXXX, I formally request the immediate removal of the following accounts from my credit report, and that they no longer be reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entities, in violation of 15 U.S.C. 1681b ( c ), have continued to share my personal information without my explicit consent, infringing upon multiple federal and state laws, including : XXXX XXXX ( XXXX ), 15 U.S.C. 6802 ( b ) & ( e ) : for unlawfully sharing my financial information with third parties without my permission. Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. : for failing to ensure the accuracy of information on my consumer report and not removing the disputed unauthorized accounts. New Jersey XXXX XXXX XXXX ( XXXX ), XXXX. XXXX et seq. : for deceptive practices in reporting inaccurate information and sharing my financial data unlawfully. Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) : for engaging in unfair and abusive practices by maintaining these unauthorized accounts on my report. I hereby opt out of the reporting of these accounts. Pursuant to 15 U.S.C. 1681i ( a ), you are required to remove any inaccurate or unverifiable information from my file. Please provide written confirmation of this removal. Failure to comply may result in legal action under 15 U.S.C. 1681n and 1681o.
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My student loan is being reported as 180 days in default in 2012. This is not true. I have had a forbearance or a deferment every time I was not able make payments. Furthermore my loan is in the third and last year of the forgiveness process.
Consumer complaint received 2016-04-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am filing this complaint becasue TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not vefify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are requested to " promptly delete all information which can not be verified 'that I have disputed. Please resolve the manner as soon as possiable. Thank you
Consumer complaint received 2017-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I recently reviewed my credit report and noticed some unauthorized accounts on there. The 2 unauthorized accounts were XXXX XXXX XXXX and Capital One. After contacting both creditors and XXXX with no help form neither, I then immediately contacted my local law enforcement to file an identify theft report against the 2 unauthorized accounts. I then mailed it to XXXX to have it removed and they said that they wo n't.