davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written
requests, the unverified items listed below still remain on my credit report in
violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation,
you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2018-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (TX)

After 22 years of membership with American Express, suddenly for the last 3 months it looks like my payments made every XXXX of the month are not being properly credited, and when they recently called, the request was simply made for a printout of payments versus charges for that last 3 months. Not received, they want you to utilize their normal online billing statements which when you pay do not even show the last payments. How hard can it be for XXXX XXXX to make their billing and payments clear to the customer, and to email a simple charge for this month and paying for this month accounting by email. 
XXXX XXXX XXXX Further in the attached jpeg of dispute against XXXX XXXX, XXXX XXXX gives an expected date of resolution as XX/XX/XXXX, that is too slow.
Consumer complaint received 2018-01-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (AZ)

I applied for a small personal loan online. I was directed to XXXX XXXX XXXX. I was misled and misinformed by the agent who spoke with me. I was never told about the interest being {$3100.00} on a {$1000.00} loan. I also feel like the online form that I signed has been altered or changed. The payment schedule was not posted. I never would have signed that. This seems completely fraudulent and misleading. I can not afford {$3100.00} on a {$1000.00} loan. I have closed my checking account to stop this company from collecting an insane amount of money for the amount loaned. There was no transparency with regar to their gouging practices. Shameful business. This business obviously preys on people down on their luck financially and then robs them via their bank account. Do NOT do business with them. They are thieves.
Consumer complaint received 2018-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (AZ)

XXXX XXXX XXXX On XX/XX/XXXX I received an alert on my phone informing me my BBVA Compass checking account was overdrawn. As I have never been overdrawn I immediately contacted my bank at approx XXXX XXXX. I was informed that 3 transactions had occurred, two at the same location, a XXXX 's XXXX for {$140.00} and {$140.00}. A third debit was a transaction at a XXXX XXXX for {$74.00}. I have had the card in my possession the entire time and I have alerts set up on my phone when the second my card is ran, I get a text message for the amount and location of the transaction. I never received such alerts for these 3 debits. 
The banking rep informed me it could take 10 business days before my provisional credits were placed on the account and there was absolutely nothing they could do. After missing 3 days of work due to no money for the train or day care, I called in and asked to speak with a supervisor which took another 48 hrs to get a call back from. The supervisor informed me that he could contact the investigators and request an early release of the provisional credits. Not only did the first rep not offer to do this, the supervisor said this should have been done immediately as a courtesy. Now here we are 14 days later, and not only have I not received a call from the investigator, I have not received my provisional credits and customer service said its not completed as of XXXX today. This has cost me well into the thousands of dollars in lost wages. Although {$370.00} is not a lot of money to most people, for me, in the middle of pay cycles, that amount of money pays for my day care for the kids, food and train fare for me to get to work. This has most likely cost me my housing and I am now on probation at work for the time I missed.
Consumer complaint received 2018-01-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (AL)

I got these loans as a XXXX kid who wanted to go to college. If Im being honest, dealing with Navient and student loans in general has soured me to college at all. It costs too much and they are loath to help if you are in a financial bind. They will not defer due to hardship and they dont communicate well. When I asked for an automatic payment to be cancelled, they didnt do it and it wasnt in the notes. My call happened to drop when I was asking for that and I was overdrafted by {$140.00}. I have kids and Im trying desperately to make enough money to pay off these loans despite my degree not helping me at all. The last lady I spoke to had an attitude and acted blas about my request for refund since they over-drafted my grocery money. After she said she wouldnt help unless they listened to the call, I just hung up. They also call me and my co-signer constantly. I had to block their number ( send it automatically to voicemail ) on my phone because they would call me upwards of 4-6 times a day. I have told them time and again that I want nothing more than to pay them off and be done with the whole thing. I want to do things right, but I didnt know what I was doing when I took the loans and dont recommend private student loans at all. Im essentially paying for what amounts to nothing and its drowning me financially.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2017-10-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I 'm writting a complaint againts Bank of America N.A. for foreclosing on my house for 5 years at XXXX XXXX XXXX XXXX. XXXX, Wa XXXX. I XXXX XXXX and XXXX XXXX purchased the house in XX/XX/XXXX. It was our home we both paid bills until XXXX XXXX got sick and laid off I was still paying all the bills. XXXX XXXX gifted the house in XX/XX/XXXXand did a quick deed of trust.When she left me in XX/XX/XXXX I was still paying the bills. She even wrote a letter and we got it nortarized. When she gifted me the house, she told me there was only XXXX XXXXeft owed to the bank. I was going to sale the house. Me and my realtor called the bank to see how much is owed on the house the full amount they keep telling me XXXX and I do n't have authorization. So me and my realtor priced the house for XXXX. We had a buyer but when we found out that it was more than 82,000 and I would n't be getting anything back for me and my family. So me and my baby mama tried to modify the house with an housing authority agent we gave them both our information. My baby mama just got a good job they told us everything looks good and it should go through but the bank stopped the process because we were n't on the loan. When I spoke to XXXX XXXX she told me she talked to the bank and signed an authorization form and I have authorize to the account of the house it was hard for me to get a hold of XXXX XXXX because my baby mama and her do n't get along at all so when I Spokane to XXXX XXXX again the bank called her about the modification that 's when she modified the house and it went through but my baby mama disagreed with it because XXXX XXXX  does n't live here we do, so she did n't help me pay any of the bills. After the modification the house went back into foreclosure. I was trying everything I can to save my home for me and my family. The bank still foreclosed on the house without solving the problem. The propriety is in my name and the account is XXXX XXXX name how can the bank foreclose on the house without consulting me I 'm on the deed of trust. I 'm suing the bank for almost giving me a XXXX, in and out of the hospital, XXXX, XXXX, and causing my family leaving. I ' m on SSA and been sick for awhile but I 'm trying to get better to go back to work to support my family. All I 'm asking for is help me buy another house or grant me a house otherwords gifted or grant me the money I was going to sale the house for XXXX, owed to the bank is XXXX that leaves XXXX that should of been my money for me and my family to get a new place. We are staying with my sister and her big family but we need our own space. Everything that 's been said and written that 's the honest truth and I can prove it in court. I ca n't afford a lawyer if they can grant me a good lawyer to represent my case.
Consumer complaint received 2018-12-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: RFNA, LP (GA)

I owe them {$200.00} dollars and been having financial hardship for the last 6 months, they continually harass me calling my place of employment everyday 2 and three times a day, i have already contacted the corporate previously and ask them not to call my place if employment but they still call it is stressing and depressing
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

MY COMPLAINT IS ACTUALLY 2 COMPLAINTS ... ... ..1ST IS BOUT ALL 3 MAJOR CREDIT BUREAUS ... BECAUSE THERE IS CREDIT FREEZE ON MY REPORTS IT IS MAKING A PROBLEM WITH OPENING ANY NEW BANK ACCOUNT FOR ME ... ..BANKS TELL ME THERE IS FREEZE ON MY SOCIAL SECURITY NUMBER BY XXXX XXXX THAT IS DUE TO FREEZE ON MY CREDIT REPORTS ... .SOUNDS QUEER BUT IS TRUE!!! OTHER COMPLAINT IS BOUT EXPERIAN I COMPLAIN IN PAST BOUT IT BUT THEY ARE STILL REPORTING 1 OLD ACCOUNT AS BEING CLOSED IN XXXX 2017 BUT XXXX IS REPORTING IT AS STILL OPEN AND I CAN ASSURE YOU THAT ACCOUNT IS STILL OPEN AND I PAYING ON IT ... ... .ACCOUNT IS XXXX XXXX XXXX ... ..I CA N'T UPLOAD ANYTHING SO WAIT FOR IT BY POST I WILL MAIL IT TOMORROW OK
Consumer complaint received 2018-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IL)

On XX/XX/XXXX of this year, I decided to pay off the total balance of my signature plus loan to a total of {$6600.00}. I wanted to pay off this balance because my APR was 12.5 % and I wanted this off the books. After waiting over a week for this transaction to clear my account, I went onto my Navient account mind to see that reversed my payment and charged my the full months interest and then deducted my monthly recurring amount of {$100.00}. I called Navient to resolve quickly, and they apologized for the issue and came to the conclusion that there was a glitch and that their computer tried to pull the funds from another account I had on file. My pushback was that I have never had another bank account associated with my Navient account. I was charged {$70.00} in interest and then paid the remaining balance off in full over the phone, and I will be waiting 3-5 days for that payment to clear. I am sure I am not the only one that this has happened too. And the blatant corruption and abuse to student borrowers need to stop NOW!
Consumer complaint received 2018-09-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Last XX/XX/2018, I sent this credit repository a letter via fax requesting the XXXX XXXX   account ref # XXXX to be removed and blocked from my credit report pursuant to FCRA 605B. Pursuant to FCRA 605B a reported fraudulent account MUST be removed from a consumer 's credit report within 4 business days. Attached to this complaint is a copy of my Police Report and FTC ID theft report and copy of the letter faxed to this credit bureau.
Consumer complaint received 2018-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I requested the original credit application and copy of drivers license from portfolio recovery. Thier response said that they do feel the need to send me the requested information. I am legally entitled to request this information. Thier failure to provide me with this information that I requested is in violation of rights. Please remove this account from all of my credit files immediately.
Consumer complaint received 2018-01-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (OK)

Sunday XXXX XXXX 2018 at XXXX - I get an email stating my order for XXXX $ worth of BCH was canceled by one of my debit cards on file with coinbase Sunday XXXX XXXX 2018 at XXXX - I get another email stating that my order for XXXX $ worth of ETH was filled in the amount of XXXX ETH Sunday XXXX XXXX 2018 at XXXX - I receive yet another email from coinbase stating that You have successfully sent XXXX ETH ( worth {$760.00} USD ) to XXXX using Coinbase. 

Now at this time I was nowhere near a terminal to make these transactions. The person/persons that ordered the ETH on my account sent the entire sum of my ETH including the XXXX ETH I already had in the account off of Coinbase in a matter of 4 minutes leading me to believe it was done through there api
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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 2017-10-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MN)

On XX/XX/XXXX, I initially submitted a request to have my PMI removed on my Mortgage to LoanCare LLC, the servicer on my mortgage. At that time I had just paid my mortgage down to a better than 80 % LTV. I was told that at that amount that it is permissible to have the PMI removed following an analysis of the factors. I have never missed a payment and I have been paying on my mortgage for more than 5 years.
The company claimed they never received this request when I called 2 weeks later, so at that time, I submitted a second request via email on XX/XX/XXXX. This they received as I received back an email response that they would respond to my request within 5 business days. I did not receive a response. Over the next month and a half, I called customer service repeatedly and sent additional emails. Only after I submitted a complaint the CFPB in mid-XX/XX/XXXX, did I finally receive a response from the company. Their response letter to me was dated XX/XX/XXXX. I received it in early XX/XX/XXXX. That means that their response time was almost 2 full months after the definitively received response from XX/XX/XXXX. The letter stated that they would not remove my PMI until I paid my loan to a better than 78 % LTV. I did so immediately and submitted a new request that they remove the PMI from my account on XX/XX/XXXX. The email response to my XX/XX/XXXX email said that they would respond withing 5 business days.
It is now XX/XX/XXXX, and I still have no resolution on this issue. They continue to charge me for PMI. All of these delays make it seem like they are unwilling to stop charging me for the PMI. They are charging me for something that they are no longer legally allowed to charge me for ( according to their own letter to me and the FHA guidance I could find online for loans made in XX/XX/XXXX ) and the previous delays while they investigated removing the PMI seem like they were engineering to incur additional PMI charges. I indicated in at least one of my early emails requesting removal that I would pay to where needed immediately once I had confirmation of that amount, but they continue to drag their feet.
I tried calling the company on Monday, XX/XX/XXXX. They were not even taking calls. You were allowed to leave a number for call back at their convenience ( after you spend 10 minutes going through the call-in process ). They called back while I was at work and unable to respond. So, there is absolutely no avenue for me to try to get resolution on this issue. When I send emails, they just give me a canned response. I ca n't speak to a customer service representative because they call back when it is convenience for them, not for when one is available.
Consumer complaint received 2018-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After reviewing my credit files, on XX/XX/2017 I wrote to XXXX XXXX a collection company reporting account number XXXX and disputed the account reported on my credit files. I explained to the company that this account was unknown to me and I required full validation of this account. I believe that my personal information was used to obtain accounts with out my consent and it is for this reason I need to know the full details of how this account was opened by XXXX XXXX ( please see the attached copy of the letter sent ) and received no response. 

I then wrote to the credit bureaus and see why the account is still reporting inaccurate information about me and received no response. 

I request the assistance of the CFPB in the communication of my dispute.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX - XXXX XXXX ( Acc Number:XXXX ) XXXX - XXXX XXXX ( Acc Number : XXXX ) XXXX XXXX XXXX -XX/XX/XXXX Transunion - XXXX XXXX -XX/XX/XXXX I have contacted the credit bureaus to let them know that I am a victim of identity theft and that someone has been using my personal information without my consent. I have placed a fraud alert on my credit report and asked that the fraud items be removed.