davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-31
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

On XX/XX/18 my Husband called me at XXXX ( EST ) and stated Kohl 's was on the other line and stated that I had a payment due. My husband proceeded to tell me the exact amount that was due and even how the bill was sent to me. My husband stated to Kohl 's that he is the only one that pays the bill and that something must be wrong. That is when a rep from Kohl 's advised of the amount to him and that the statement is emailed to XXXX. I hung up with my husband and immediately called Kohl 's as my privacy was violated. I am the ONLY one on the credit card and he has no right to any kind of information on the account. I called Kohl 's at XXXX ( EST ) on XX/XX/18 to address this issue. I was on the phone for 28 minutes. I spoke with " XXXX '' ( employee # XXXX ) who piddled around answering my question as to who is entitled to have information on MY account. She finally stated only I was able to have information. I asked to speak with a manager. I believe someone by the name of " XXXX '' got on the line and I did not trust he was a manager. Finally someone by the name of " XXXX '' ( employee # XXXX ) got on the line. He stated he was the " site manager ''. I explained by story and that I needed this corrected as my privacy was violated by providing out personal information to someone not even titled on the account. I advised I needed a call back with a resolution to this issue and requested a call back by XX/XX/18. I was reassured that I would have a call back. I even verified my cell phone number as the number of contact. I have yet to hear back from Kohl 's in regards to my violation of privacy and failure to protect my information.
Consumer complaint received 2019-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (FL)

Loan was sold have not recieved any notification from new lender. My payment is due is 7 days. I have waited on hold with old lender they never answer phone. 

Can you please help me resolve this at your soonest convenience. I do not want to be penalized. I have recieved no notices. I have never been late on a payment in my life.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MD)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2019-01-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BARCLAYS BANK DELAWARE (CA)

XXXX called today from XXXX XXXX? And started off by saying they are about to take civil action against me before even telling me that it was a debt from Barclays and I made the last payment in XX/XX/XXXX. I said I settled that when I bought my house with another company and dont owe it. He went from threatening to sue me to closing down all my checking and savings accounts, yelling, Youll be calling me back then!, and hung up on me. They are using a different last name ( Ive been re-married since XX/XX/XXXX! ) and he wont mail me any correspondence. Verbally abusive, calls constantly and has even called my husband!!!!!! Please make it stop. Hes literally making me ill with anxiety. All I know is hes XXXX @ XXXX ; XXXX
Consumer complaint received 2018-10-31
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Specialized Loan Servicing Holdings LLC (FL)

My Mortgage Debt was discharged in XXXX. Since then I'm voluntarily paying the mortgage. I do want to keep my home. Since XXXX have not missed a single payment. Sometimes I send I paid after the XXXX of the month but always before the XXXX. XXXX was servicing my mortgage since XXXX and I never had any issues with them. 
Last year the servicing of my mortgage was transferred to SLS and my problems started. 
First I wasn't able to pay online, like I did before. They told me I wasn't allowed because I had filed for bankruptcy. I NEVER MISSED A PAYMENT since XXXX, but sometimes my check arrives at their office a few days after the XXXX of the month and they started to charge me late fees. I retired this year and I receive my pension every XXXX Wednesday of the month. I called to remind them my debt was discharged and that I was voluntarily paying my mortgage and they couldn't charge me late fees for a debt I legally don't own. They were rude to me, asked to speak to the manager but he didn't want to speak with me, and they told me the late fees would stay. I sent several emails, and sent also a copy of the Discharged papers I was supposed to send to all debtors. After I sent the Bankruptcy document, SLS have changed the wording in my statements. LATE FEES was changed into UNPAID FEES. I can prove, without a doubt I have not missed a single payment, so I don't have any unpaid fees. 
I put my house on the market and I asked for a Pay-Off Statement and they included late fees. I called them several times, sent many  emails but they are being unreasonable. It has been very stressful to deal with them. Recently I was able to make a payment on line but they have included late fees and I can't make the payment online unless I pay the amount they specify there which includes a LATE FEE. I have asked them to remove the late fee so I can pay online but they have not done it This month I paid over the phone because of the issues I'm having with them I didn't want my check to get there after the XXXX. they charged me a convenience fee {$12.00}. 
I really need this issue to be solved because once I sell my house I don't want to see late fees included in my pay-off amount, it is not right. 
I have a question - my mortgage is variable but since my bankruptcy, from XXXX to XXXX, XXXX made very little changes in my monthly payment. 
After it changed to SLS, they have increased my payment by around {$20.00} every 6 month and I want to know if they are allowed to do that. I know it was a variable rate mortgage but the debt was discharged and I understood that's why XXXX made very little changes to my monthly payment amount Please let me know if you can help me with this problem Thank you
Consumer complaint received 2018-10-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

I have written letters requesting the removal of the PMI on my mortgage. I purchased my home in XX/XX/2006 at {$450000.00}. I put down over {$100000.00}. Thats over 20 % down payment and we have resided in the home for over 2 years. The comps in my neighborhood are selling for over {$550000.00}.
Consumer complaint received 2018-10-31
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: Innovis (IN)

XXXX  AND XXXX ARE REFUSING TO REMOVE 2 ACCOUNTS, THE TOTAL TIME FROM DISPUTES EXCEEDED 138DAYS FOR XXXX XXXX XXXX XXXX ACCOUNT FOR {$290.00} AND XXXX XXXX XXXX FOR {$310.00}.
Consumer complaint received 2024-10-26
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. (FL)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2018-10-31
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (NY)

XXXX XXXX contacted my mother in law and told her that I havent paid my bill in four months. They also contacted a person who I havent spoke to in years and left a message, after she told them she doesnt talk to me, they continue to call her. XXXX XXXX has my address and my current phone number. They do not need to harass other people to locate me, they have my full contact Information. They also discussed my private financial situation with my mother in law who is considered a third party. I am not a minor and none of these people are co signers of this debt. Therefore, they shouldnt be contacted nor made aware of my financial situation.
Consumer complaint received 2018-10-31
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

In XX/XX/2016 I purchased a vehicle ( XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX Texas. I was then under a chapter XXXX bankruptcy and the court allowed me to obtain the vehicle through a loan from XXXX XXXX. It was my understanding that the vehicle would be reporting on my credit. For the following two years, the vehicle was reported on my credit as I was paying on time and without delay. The vehicle eventually fell off my credit report. The XXXX XXXX institution explained to me that they had done a review of their files/data base and my vehicle was no longer able to be shown under my credit report. I spoke to many customer service representatives to change this rule. The organization would not comply with my request due to the standing policy against having vehicles financed under chapter XXXX. I have since completed my chapter XXXX payments and the case has been discharged. The XXXX XXXX continues to not permit the vehicle to be shown on my credit report. I am now faced with the prospect of changing my loan to another organization so that my payments show on my credit report.
Consumer complaint received 2023-08-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I submitted a dispute when XXXX and Experian. I did not ask for a pay for deletion letter or any negotiation as I articulated that they BOTH have violated my consumer right s- willfully. I just tried to dispute errors on MY OWN CONSUMER REPORT and Experian said that I couldnt dispute it. ITS MY REPORT- NOT THEIRS. They are a non affiliated third party that NEVER had my permission to report ANY activity good or bad on it. I have precipitated this to both the CRA AND the creditor and they refuse the delete this account. How can Experian tell ME what to dispute! This is egregious!
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-06
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: Experian Information Solutions Inc. (FL)

I contacted all three ( 3 ) credit bureaus numerous times in regards to my social security number being compromised. I have let them know each time that I am a victim of identity theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX via the XXXX XXXX police department. I have been advised they may contact them at ( XXXX ) XXXX to verify the report and have informed them of this in each request. I have asked each time for them to remove and block all information from my credit report that I included in each request, and to send me a copy of my credit report proving they have done so. The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX - Opened XX/XX/XXXX XXXX XXXX Credit Card - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX  XXXX C - XX/XX/XXXX XXXX XXXX/XXXX  - XX/XX/XXXX XXXX XXXX/XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX/XXXX XXXX   - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX I asked them to remove and block all information resulting from identity theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within four ( 4 ) business days of receipt.

Again, I also asked them to please send an updated copy of my credit report at no charge as the act says there should be no charge for this updated report. I also requested that they please send notices of corrections to anyone who received my credit report in the last six months.

The only responses I have received are generic responses saying these items have been validated. I have requested numerous times for them to provide proof of how they obtained validation and have received no response.

According to the Fair Credit Reporting Act, Section 609 ( 1 ) ( 1 ) ( A ) they are required by federal law to verify, through the physical verification of the original signed consumers contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2020-03-06
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. (NJ)

XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1500.00} Closed XXXXXXXX XXXX Reported :XX/XX/XXXX {$950.00} Closed XXXX XXXX XXXX   Reported : XX/XX/XXXX {$55.00} XXXX XXXX XXXX Reported : XX/XX/XXXX {$1800.00} In good standing XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1600.00} Closed XXXX XXXX XXXX  XXXX XXXX Reported : XX/XX/XXXX {$1200.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX {$1500.00} Closed XXXX  XXXX, XXXX. 
Reported : XX/XX/XXXX {$950.00} Closed XXXX/XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} XXXX XXXX Reported : XX/XX/XXXX {$1500.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1600.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1200.00} Closed XXXX XXXX XXXX Reported :XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX   Reported : XX/XX/XXXX {$0.00} Closed XXXX/XXXX  Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX Reported :XX/XX/XXXX {$1500.00} Closed XXXX XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX {$1600.00} Closed XXXX  XXXX XXXX  XXXX Reported : XX/XX/XXXX {$1200.00} Closed XXXX  XXXX XXXX  Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX/XXXX  Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX   Reported : XX/XX/XXXX {$0.00}
Consumer complaint received 2020-03-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

We have a construction Loan with FlagStar Bank ( XXXX XXXX  ) for an interest only construction loan to build our house. It's an " all-in-one '' close loan that turns into a 30 year mortgage at the end of the construction project. Our current builder/contractor is demanding {$30000.00} OVER our contract ( with him ) to get OFF of our project after refusing to finish it and after abandoning our project FIVE months ago. He has demanded that the bank reserve the near {$30000.00} of our construction loan for HIM and the BANK, although receiving interest payments monthly from us, will NOT allow us to sub in another contractor to complete our project until we 'settle ' our matter with the current contractor. We feel that the bank is unjustly enriching themselves at our expense by NOT allowing us to exercise our right to complete our home as soon as possible. The bank says " we don't get involved '' ; however, they are STOPPING us from completing our home. This is very unfair. Our CONTRACT with FlagStar Bank does NOT allow " change orders '' without BANK approval ; however, the contractor DID just that : he did work on the house then attempted to BILL US outside of the contract for changes we did NOT approve. NOW the bank is allowing 'him ' to hold up our build. He has NO change orders signed by us for the work he is telling the bank that he MUST be paid for by XX/XX/2020, or HE will file liens against the property. He informed the bank in writing on XX/XX/2020, that he will NOT be completing the project. The bank NEVER even informed US of this ; nor did they assist us by offering to take control of the project WHEN the contractor stated he was NOT going to finish. How is this ok??
Consumer complaint received 2020-03-06
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. (NC)

Hello, Transunion, XXXX and XXXX, XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For XXXX/TransUnion/XXXX  & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized/Fraudulent Collection & Credit Accounts and Inquiries from Credit Report under FCRA 605B CONF # XXXX I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts that are listed below. You have stated that you are working on a resolution. That was a long time ago and I am still suffering from your negligence. you have aided in ruining my credit file, harrassment from compnaies I know nothing about or have done bunsiness with. 
Thi is a a demand to ahve any and all account disputed effectively removed without prejudice. You must provide documentation as of its accuracy or remove it immediately without prejudice.