davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (FL)

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 {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (FL)

There are two accounts one is XXXX and the other is us bank. Several years ago I was a additional signer on the account with my mother XXXX XXXX. I was taken off of both accounts and it still is shows on my credit report. 
US BANK XXXX Revolving XXXX/XXXX  XXXX
Consumer complaint received 2017-11-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XXXX XXXX,2017 I mobile deposited a check from my former employer XXXX XXXX XXXX XXXX in the amount of {$1400.00}. On XX/XX/XXXX I was debited this same amount from my account with Citizens telling me that the check was cashed again. I went to the nearest branch to sort it out. They told me that it was cashed through a XXXX account. I was unaware of this transaction and realized that this check was stolen either from my car or my bag. I went to XXXX to let them know that my account was used in a fraudulent manner by one of their clients XXXX XXXX XXXX with the telephone number of XXXX XXXX XXXX as he used on the back of the check that was stolen when he deposited it to his account. This was done with XXXX XXXX Branch Manager of the XXXX XXXX branch of XXXX XXXX XXXX XXXX XXXX MA XXXX his number is XXXX XXXX XXXX. 
At first it seemed as if this would be taken care of but than I was contacted by XXXX XXXX from the office of the chairman at Citizens Bank. She informed me that I violated the terms of Mobile deposit by not voiding check and disposing of it properly. Obviously I had n't the opportunity to dispose of it properly as it was stolen from my property. I submitted another claim on XX/XX/XXXX and the money was returned to my account for a day and than debited out again as XXXX XXXX from the office of the Chairman launched a new investigation. We spoke on the phone on many different occasions culminating in a phone call on XX/XX/XXXX saying that I was liable as the agreement stated the proper disposal technique after mobile deposit. 
I followed up with XXXX at the branch where the check was deposited with CSR XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Tel. XXXX XXXX XXXX he stated that the account funds from the deposited were withheld and that XXXX fraud department XXXX XXXX XXXX XXXX has been waiting for Citizens to contact them to straighten everything out and refund my money to my account. During all this Citizens has made me seek affidavits from my former employer XXXX XXXX XXXX XXXX XXXX which he has been waiting for Citizens to send .Fill out a police report which I have done, Yet they still maintain my culpability in a case where I was the victim of theft. I find this truly unacceptable and hope you can expedite a solution that returns my funds back to my account.
Consumer complaint received 2017-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XX/XX/XXXX, an account with XXXX XXXX XXXX XXXX was placed for collection with XXXX XXXX XXXX/XXXX XXXX. The balance owed is {$210.00}. I disputed with XXXX XXXX XXXX XXXX regarding this matter ; I believe I do n't owe them anything. 

XXXX XXXX XXXX/XXXX XXXX has reported the account as uncollected to Transunion Credit Reporting Agency . As a result of this reporting I have been unable to secure credit from any business and homeless for two years ( unable to rent an apartment ). TransUnion has estimated that they may remove the negative data from my report XX/XX/XXXX. 

I am requesting assistance from your agency with asking Transunion to remove the negative data from its report before XX/XX/XXXX. It would be greatly appreciated if it could be removed in XX/XX/XXXX.
Consumer complaint received 2017-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Navient has been my loan servicer by transfer from original lender ( XXXX XXXX ), since mid XX/XX/XXXX. 

I have been working at XXXX XXXX since XX/XX/XXXX. I am currently a tenured XXXX at XXXX XXXX XXXX, XXXX XXXX. 

In XX/XX/XXXX, I called Navient after hearing about Public Service Loan Forgiveness Programs ( PSLF ). After hearing my request as a XXXX XXXX, they placed me in a income-based repayment plan which would qualify me for PSLF. They said it would take ten years ( 120 payments ) to  qualify for forgiveness. They informed me I would need to recertify my income every year to continue to gain credit towards the ten years, but gave me no further instructions or steps to take. 

My repayment plan started in XX/XX/XXXX. Every XX/XX/XXXX since then, as directed, I have called Navient to recertify my income and have asked them every time if this was going towards the PSLF. Since loan forgiveness for a XXXX XXXX was my reason for calling them in XX/XX/XXXX, I made sure with every phone call that I was on track. Every time I was explicitly informed that I was. 

In XX/XX/XXXX, after reading about fraud with lenders and this program, I wanted to make sure I was not being defrauded. I called Navient to ensure that I was still on track for PSLF, and for the first time informed I was not. This came as a complete surprise and devastation, since this was my original intent since XX/XX/XXXX to be a part of PSLF. 

They stated that I would need to have a Direct Loan, and that my loan type was not eligible. In XX/XX/XXXX, unlike what they were telling me, Navient never put me on track ( in this case inform me about a Direct Loan, ) towards PSLF. I have consistently been told by Navient that I was on the right track towards loan forgiveness ; however, five years into my loan, upon my pressing, was I informed I was not qualified because I had the wrong type of loan. 

I have talked to multiple people at Navient and the only recourse I have is to change my loan type, starting the clock back at XXXX ( versus the five years I thought I have paid towards PSLF ). 

Navient and their representatives have informed me that there is nothing they can do to give me credit for the five years I thought I was paying towards PSLF. Since this was information they have given me, I would like recourse wherein the last five years payment is credited towards PSLF in a qualified loan type.
Consumer complaint received 2017-11-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC. (NC)

Outstanding Escalated Suntrust Case # XXXX ( Foreclosure Initiated/Pending ) Suntrust Mortgage has failed to respond with a substance response specific to my Escalated Case # XXXX. This case was opened on XX/XX/XXXX. Suntrust issued a letter dated XX/XX/XXXX,  addressed to my wife and I, stating Suntrust mortgage services your mortgage loan and intends to initiate a foreclosure on the mortgaged property in the name of : XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX - XXXX ( Noteholder ). Noteholder can not locate the original promissory note and will seek to prove standing thought a lost note affidavit. Neither Suntrust or XXXX XXXX XXXX have provided the required lost note affidavit. I specifically filed my Escalated Case and requested where the lost note affidavit is supporting who the noteholder is. I understand I have protections against unnecessary foreclosure until Suntrust responds to this specific question and provides the required lost note affidavit as the servicer Suntrust has not resolved my Escalated Case, nor has Suntrust suspended the scheduled foreclosure sale set for tomorrow XX/XX/XXXX at XXXX XXXX. Its my understanding Suntrust must review each Escalated Case received from a requestor against the information and documentation in the servicing system and or mortgage file and determine the accuracy of the inquiry and reach a resolution. Its my understanding when a server receives an Escalated Case from a Requestor after a foreclosure sale date has been scheduled and the Escalated Case is received no later than midnight of the seventh business day prior to the foreclosure sale date ( Deadline ), the servicer must suspend the sale as necessary to resolve the Escalated Case. With this case being received on XX/XX/XXXX and a response that is specific to my request has not been received I am asking the CFPB to take action and force Suntrust to suspend tomorrows sale. I requested why the Lost Note Affidavit had not been supplied only after Suntrust sent me a letter informing me the NoteHolder had lost the note and would provide the required lost note affidavit necessary to establish standing. Here we are the day before the sale and that document has not been provided nor has Suntrust responded specifically to this still outstanding request. The CFPB should request the audio call files for the dates of XX/XX/XXXX and XX/XX/XXXX from the servicer and the CFPB will have a very clear idea of how Suntrust manipulates borrowers by informing the CFPB it has responded yet never specifically responded to the borrowers question. In this case, where is the lost note affidavit and why does Suntrust continue to refuse to provide this document? XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent. 



2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



XXXX. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX. 

XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2017-09-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

Please see XXXX which your office closed today. I did submit feedback and asked if that was enough or if I had to file an additional complaint. The email response to my feedback was simply that it would be added to my file so I am submitting an additional complaint. 

I am attaching a letter from XXXX XXXX that was sent to CFPB in XX/XX/XXXX 2016 when I enlisted your assistance in having my modification completed. This letter clearly shows that my payments were to be XXXX per month, no mention of escrowing taxes and insurance and no reason to do so as I was clearly paying my taxes and insurance on my own. Bayview accepted the transfer of my mortgage from XXXX and clearly accepted their terms. No correspondence was sent to me that they were changing the terms of the modification. Adding the " deferred amount of XXXX '' was not needed nor do I believe it to be legal as I clearly complied with the terms of the modification. Additionally this amount was never credited to my mortgage nor any payment to my mortgage or my homeowners or insurance. I am again requesting that this amount be taken off of my mortgage agreement and the information shared with XXXX XXXX who is currently managing my mortgage so that they can adjust their records I am also requesiting that this case not be closed simply because Bayview sends you a letter with their explanation that I was to include the taxes and insurance payment which gave them the right to access this amount to my mortgage, that is simply not true. I believe this amounts to predatory lending practices on a senior who was trying to obtain a mortgage modification. I am once again requesting your assistance with this company, a company that perhaps should be investigated as I 'm sure that I 'm not the only one that is having this problem.
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2017-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: STATE EMPLOYEES CREDIT UNION (NC)

On XXXX XXXX, XXXX, I checked into a hotel where the total was {$240.00}, so I deposited {$260.00} into my account to cover the cost of the room. As I checked in the young lady informed me that the hotel would place a hold on the funds needed to cover the room plus an extra {$20.00} per night to cover the hotel 's incidentals fee, I said that would be fine and checked in. On XXXX XXXX, XXXX when I checked my account there had been a charge on my account for {$170.00} made for a garnishment, XXXX that I had been informed by letter would not take place and the funds would be removed from my tax return of the upcoming year, and the hold that covered the hotel cost was now gone. I tried calling the bank and I was informed that it had nothing to do with the transaction, and that I would have to call the state revenue offices for them to release the funds and once the revenue office did so that the bank could place the funds back into my account. I then called the revenue office and spoke with a XXXX XXXX id number XXXX, where she informed me that the bank infact did know about the transaction and approved for the funds to be moved yesterday, XXXX XXXX, XXXX. She also informed me that the funds had not yet been transferred to them. So, I called the bank back and spoke with XXXX, who says that even though the revenue office did not yet have the funds they were the ones that had to reverse the transaction. After he tried to explain the situation to me, I asked him about the funds that were on hold for the hotel and he says to me that the hotel never placed a hold on the funds and that there was no record of any transaction involving a hotel. I then tell him that I would not have been able to check in if the hotel could not place a hold on the funds in my account ; I knew better because I have been homeless and living in hotels sine XXXX of XXXX and the hotel has always placed a hold on the funds to cover the cost of the room plus the incidental fee. I have had incidents before where the bank has shuffled around transactions that would leave me in the red but never much. I would just like for the funds to be placed back into my account so that I can cover the cost of the hotel room.
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. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX & XXXX XXXX XXXXdischarged Reference # : XXXX
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX, my Wells Fargo 2nd Mortgage account ( HELOC ) switched from a 12 month fixed introductory rate to a standard flexible rate. Per Wells Fargo, this rate change prompted a temporary erroneous reported balance increasing the amount by {$120000.00}. I contacted Wells Fargo to ensure the reported balance would be corrected and asked for confirmation that they would not report the erroneous balance to the credit agencies ; Wells Fargo verbally confirmed that I would not be impacted from a credit reporting perspective. 

On XX/XX/XXXX, Wells Fargo corrected the account balance amount crediting my account {$120000.00}. My Wells Fargo account has shown the correct balance ever since. The ISSUE is that contrary to what XXXX XXXX confirmed to me, they have in fact been reporting the erroneous account balance to all of the credit agencies. Since XX/XX/XXXX, I have been in contact with Wells Fargo several times in an attempt to fix this. A case was opened through the Wells Fargo Executive Office to address this and I received a phone call on XX/XX/XXXX, to notify my that the case was being closed and all actions have been taken to correct the issue. 

My grievance and concern is that the issue has not been resolved and I continue to be negatively impacted as a result of Wells Fargo 's inability to correct an issue they created. My credit score has decreased and I do n't know how else to fix this. As of XX/XX/XXXX, my HELOC account balance is {$11000.00} ; all credit agencies are reporting an outstanding balance of {$230000.00}. 

Ever since first entering into a relationship with Wells Fargo in XX/XX/XXXX, I 've felt that I 've been mistreated and taken advantage of as a customer. I was asked to open a checking account and verbally obligated to opt for automatic account payments in order to qualify for my mortgage. Earlier this month, I was finally able to cease automatic payments after Wells Fargo made another mistake debiting my account twice. 

This is all unacceptable and I am tired of being mistreated and negatively impacted by Wells Fargo. I have never experienced such a level of ineptitude and bureaucracy with a financial institution.
Consumer complaint received 2017-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center (NY)

I sent my complaint to you and you forwarded that to Premier Student Loan Center who responded incorrectly but you accepted that and closed the case. Is this how you do business and if so, I guess I should not be surprised since you are a government agency. My complaint was NOT the fee but the way in which the fees were to be set up. My complaint was NOT the fee but the misleading information regarding how I would now be set up to repay the loan. It clearly states that from the beginning, I would pay {$240.00}. for the first 4 months ( their fee ) and {$100.00} thereafter for the next 120 months. THE XXXX CHANGED TO {$230.00}. I was also quoted {$70.00} and another {$30.00} which totals the $ XXXX monthly payment. When I asked for an explanation about this and where does the {$100.00} appear, I received a general response that did n't feel right. That 's the issue that should be questioned and this information was stated in my first correspondence. If you are there to protect consumers, how the XXXX is this protecting consumers?????? Companies should not be permitted to pray on consumers such is what happened in 2008 and why to were created. People were mislead and provided with XXXX  information yet it appears that it is allowed to continue WITHOUT PROPER OVERSIGHT.