davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under as open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-08-08
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. (WA)

My son has several loans under the collection wing of Navient. My son lives in XXXX and has been denied an opportunity to lower his payments secondary to me ( his mother ) being a co-signer. I too am paying school loans and currently work in public schools, we do n't make much is public schools. I have tried to make payments of XXXX monthly and my son pays the remaining XXXX or so dollars. In XXXX hehas had a difficult time with money transferring to his Navient account. The 1st day it is late I receive upwards of 7-10 calls from Navient. As a nurse whose phone is used for district business, I have repeatedly asked them verbally and in writing not to call my phone. Navient uses numbers from all over the U. S. New York to Florida, XXXX, to XXXX. We are good people who work hard. Navient is awful.
Consumer complaint received 2017-08-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC (TX)

XXXX XXXX TV charge me XXXX for early termination, made arrangement with XXXX rep to pay XXXX monthly until paid off. Made first payment. Few weeks later I checked my credit report online, I noted the not only was I reported to the credit bureau but also acct sent to collections. I paid the whole amt. in full, soon afterword 's I complained to both collecting agencies and XXXX XXXX about the arrangement made with there rep. I was told to check my email in few days and I would be receiving a letter of correction and copies would be send to all credit bureaus to correct the reports. Before that I had a XXXX plus score. The derogatory info damage my credit making my score to dope below XXXX. I have yet to receive any letter ( s ) from any of the parties involved and have call numerous times to get this resolved by contacting XXXX XXXX, collecting agency and the Credit agencies, all they do is point the finger at one another. Do n't really know what else I can do to resolve this issue. Please help ... ... ... ...
Consumer complaint received 2017-08-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

To whom this may concern, I have asked XXXX and Transition to verify there means of the account XXXX XXXX has on me, all the keep telling me that the information is accurate. I need to see proof of my signature and also there means of verfication thanks in advance.
Consumer complaint received 2017-02-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (MN)

The Diversified Consultants debt collector calls everyday repeatedly all hours of the day and night and hangs up from number XXXX. They have never once left a voicemail or stated who they are they just call and call. They have never mailed a bill. They have been calling daily for the past XXXX months.
Consumer complaint received 2017-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (VA)

I pulled my credit report recently and noticed a collections account from XXXX that Debt Recovery Solutions is handling for {$220.00} opened XX/XX/XXXX. I dont remember having service with XXXX in XX/XX/XXXX.
I do remember having service in XX/XX/XXXX for a brief time. When we had the XXXX XXXX service in XX/XX/XXXX, our home flooded and the electrical caught on fire. We had to move into a place with a friend while we found a home for ourselves. We lost almost everything in the flood and the fire did a lot of damage to our home. I had to be hospitalized for a short period of time due to complications with my existing condition as a result of the XXXX I had. When I came out of the hospital, going through the process of calling Insurance, gas, electric, and so forth, I called XXXX XXXX and canceled services and specifically advised that I was going through this XXXX XXXX  because of almost losing everything in our house. I remember having to call several times because I kept receiving a bill for services that I did not have. Every time I called, I was advised that the services were no longer connected and one agent, for whom I do not have information for, advised me that I didnt owe anything and that they would send me boxes for the equipment. The boxes never came and if my memory serves me right, I even filed a complaint because I could not get you all to send me the boxes.
After I sent the equipment back, I called to confirm the receipt of the equipment and was told that you had received it and that I did not owe a balance on the account. After that, I never heard from anyone until I pulled my credit report and saw this. This is unfair. You charged me for services that we did not have or could not use because of the flood and fire. This is taking advantage of customers during a rough time to make an extra buck. Now you have added it to my credit report which is going to prevent me from continuing to get back on my feet. The sad part is, my husband and I still get solicitation from you for XXXX.
I want the collections removed as I tried to cancel the services but it seems that XXXX took advantage of me and kept charging me. I was also told that I did not owe anything by your agent. The fact that I told you all what we were going through, seems that that gave more leverage to XXXX to take advantage of the situation especially because of my XXXX/medical condition. It also feels like bait and switch where I was told my services were canceled and that I dont owe anything but now you all are changing it on me and slapping me with a collections account. I want this removed ; its {$220.00}! Not, $ XXXX! I am also notifying the FCC, my State Attorney General, CFPB, State Corporation Commission and other agencies to show how XXXX, and Debt Recovery Solutions, takes advantage of people when they are dealing with a hard situation, when people are the most vulnerable.
Consumer complaint received 2017-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or D.O.B. in order for it to appear in your credit file. The credit bureau has not updated the information as per the new law true bankruptcy listed does include this information and should be deleted from my credit report.
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (CA)

Over the past year I have been trying to get my financial picture back in order after being a victim of identity theft and having several credit cards, etc opened in my name and ran up the balances on the cards and left me to deal with this nightmare. I have done everything on my end to handle this issue the right way and following the process. I have submitted disputes directly with the three credit bureaus, I have updated personal information to ensure my credit report shows the most accurate name, address, social security number, date of birth, employer, etc. I have also changed all passwords to logins I have for my banking and subscriptions and I have went fully digital in regards to receiving mail to ensure nothing is stolen or tampered with from my mailbox. After several months of disputing these fraudulent accounts, I decided to file a police report as well as an identity theft report in the hopes this would expedite and finalize the process of undoing the mess I have had to endure because of identity was stolen. After submitting another several rounds of disputes with plenty of paperwork and proof that I am a victim of identity theft, two accounts have remained and are not following FCRA laws, which states that if I provide a police report and an identity theft report, the fraudulent accounts must be removed from my name and social security number and that information be blocked from reported on my credit reports. XXXX on multiple occasions has conducted improper investigations and has dismissed the police report, the identity theft report, has violated several FCRA laws, and they have never validated the debt or legitimacy of the accounts. My husband also passed 6 months ago and the fraudulent credit card accounts reported by XXXX XXXX XXXX and XXXX XXXX are not allowing me to purchase a home for my children or find a better job as they pull my credit and judge me based on accounts I never opened, authorized, or consented to. I am extremely upset and this is my last attempt with XXXX to have them remove the accounts fraudulently reported by XXXX XXXX XXXX and XXXX XXXX. If this issue is not resolved and removed and permanently blocked from being reported on my XXXX report, I will file a lawsuit against XXXX and I have all the trails of paperwork and responses to without a doubt prove multiple FCRA violations which equates to tens of thousands in monetary damages, not to mention the physical and mental monetary damages this has caused me and my family. I need XXXX to be held responsible by the CFPB, however my only end goal is to have those fraudulent accounts reported by XXXX XXXX XXXX and XXXXXXXX XXXX to be removed and permanently blocked from being reported or associated under my name and social security number. Thank you to the CFPB and god bless.
Consumer complaint received 2023-06-06
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: CAVALRY INVESTMENTS, LLC (NJ)

This company Calvary Portfolio Services obtain a credit file that has my name on it but the information submitted is that of another XXXX XXXX who was in the XXXX and I was never in the XXXX... some of the dates corresponds with the time I was in the hospital and I recall seeing this about 10+ years ago at which time I disputed it. I tried calling them and the number they provided was a non-working telephone. They tried taking me to court for over {$6300.00} and when I arrived at court XX/XX/23 they never showed up and it was not on the courts calendar yet it has been difficult to have it vacated. I sent a letter to XXXX XXXX XXXX XXXX ( assignment lawyer ) but she has not responded ..they assured me she will. Meanwhile, Calvary Portofolio and XXXX ( this is not the correct spelling it's close but the other name used is located in XXXX XXXX, NJ This is not mine and I would like it removed from my credit file and charges filed against them. I did not have money to take these people to court otherwise I would have.
Consumer complaint received 2017-08-08
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. (FL)

In XX/XX/XXXX I was given 2 separate Parent Plus loans. XX/XX/XXXX {$22000.00} and XX/XX/XXXX {$15000.00}. In XX/XX/XXXX I Consolidated but those loans, XX/XX/XXXX {$38000.00}. {$22000.00} + {$15000.00} = {$37000.00} + interest = {$38000.00}. I have no clue how this happen but they took the 2 loans that I consolidated $ XXXX {$15000.00} and the new consolidated loan {$38000.00} and added them together. $ XXXX/ {$15000.00} + $ XXXX= {$76000.00}. I 'm collecting interest on all of this and I need this resolved. I called Navient/XXXX XXXX for months to fix this and they just gave me the run around. I ca n't pay on something that is wrong. I Do n't know how to fix this, I need help. I feel like my hands are tied on this, I want to resolve this so i can pay on it. Thanks for your Help!
Consumer complaint received 2017-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CO)

Roundpoint mortgage sent me a notice indicating that my escrow account was going to have a shortfall so in XX/XX/XXXX they increased my escrow payment by over {$200.00} dollars per month. By XX/XX/XXXX I was already struggling to make that increased payment so I signed onto my online account and noticed that what they had indicated on the escrow increase was not true. Instead of a escrow shortfall I actually had a surplus. I wrote to them at that time that I wanted a new escrow analysis done since my escrow account was too high. They did not respond to my written request so I called in XX/XX/XXXX to explain the situation. They agreed to do the new analysis, but when it was completed my escrow payment only went down by approximately {$50.00} dollars, and they sent me a bill for an escrow shortfall. I did not pay the bill. However, in that time, I have been late on my payments while my escrow has continued to increase to the current balance of {$6500.00} ( XX/XX/XXXX ) and my XX/XX/XXXX taxes and insurance has been paid. I just called Roundpoint again to tell them that the analysis was wrong. The service representative told me that they would complete a research which will take until XX/XX/XXXX, and then if they find an issue they will do a new analysis within 10 days. At their timeline, the issue wo n't even be addressed, if at all, for another month. Having made my initial request in XX/XX/XXXX, I believe that they have adversely affected my credit standing, created financial hardship for myself and my family, and have exceeded the amount that they are legally able to collect in my escrow account.
Consumer complaint received 2017-08-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

I have my condo mortgage with U.S. Bank XXXX XXXX. The bank requires a certificate of insurance that covers hazard and flood. My homeowners association dues covers this cost and the HOA purchases the hazard and flood insurance annually and provides us with the certificate. Each year, U.S. Bank places a forced flood policy on the property which is about 4 times the cost of what I could purchase separately, and once I provide the certificate of insurance, they refund the full amount of the insurance. This year I have twice sent them the copies of the insurance certificate, but they continue to insist that it does not cover my property for flood although on the second page it clearly states on page 2 that  FLOOD is covered with the specific sufficient amounts. This morning ( XXXX XXXX XXXX ) I spoke with XXXX XXXX, a senior customer service representative, and she again reiterated that they had no record of flood insurance. I am faxing the certificate to them a third time, and I am requesting that they refund the {$1000.00} they placed against my mortgage. Our condo association is very aware of this practice by banks, and it appears the banks are simply relying on customers to ignore the additional charges and be over insured.
Consumer complaint received 2017-08-07
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: JPMORGAN CHASE & CO. (CO)

t
his company accessed my credit with no permissible purpose and without my written or verbal consent. The credit bureaus refuse to remove it and state that I must contact the creditor. This is not a case of ID theft or Fraud. This is simply a case where CHASE accessed my credit file without my written or verbal permission or the credit bureau reporting a soft pull as a hard pull. Either way it must be removed per the law as no permissible purpose exists and never has. I need this inquiry removed immediately.
Account name CHASE Date of request XXXX/XXXX/2017 Comments per the bureau : Unspecified inquiry ( NO PERMISSIBLE PURPOSE )
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have taken the necessary steps to address this issue by promptly reporting the false information that has been disclosed. As a victim of identity theft, it is crucial for me to emphasize the immense stress and financial burden that I have endured due to the inclusion of products unrelated to my identity, for which I bear no responsibility. The handling of this complaint is of utmost importance, as failure to address it appropriately will leave me with no alternative but to initiate legal proceedings. The presence of these false and fraudulent entries on my consumer report has had a severe detrimental impact on my ability to achieve personal aspirations, such as purchasing my dream car, and providing essential support for my family.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have taken the necessary steps to address this issue by promptly reporting the false information that has been disclosed. As a victim of identity theft, it is crucial for me to emphasize the immense stress and financial burden that I have endured due to the inclusion of products unrelated to my identity, for which I bear no responsibility. The handling of this complaint is of utmost importance, as failure to address it appropriately will leave me with no alternative but to initiate legal proceedings. The presence of these false and fraudulent entries on my consumer report has had a severe detrimental impact on my ability to achieve personal aspirations, such as purchasing my dream car, and providing essential support for my family.
Consumer complaint received 2023-06-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

I am a prior tenant of XXXXXXXX XXXX in XXXX, AZ, owned by XXXX XXXX XXXX XXXX- I moved out on XX/XX/XXXX. On XX/XX/XXXX I received an email notification from XXXX XXXX at XXXX XXXX Department notifying me of a {$140.00} outstanding balance, which I assumed was from XXXXXXXX XXXX. There was no explanation to this charge, so I immediately replied to this email ( I " replied-all '' to XXXX and XXXX ) to ask for clarification. I never received any response and never received any additional correspondence from either XXXXXXXX XXXX  or XXXX about this charge - I assumed it was sent in error and the charge was rescinded. 

In XXXX of XXXX I started receiving credit score alerts notifying me of my credit score lowering, which caught me by surprise. Upon investigating the derogatory mark responsible for lowering my score, I saw it was due to a new collections account appearing on my report, which is Genesis Credit Management on behalf of " XXXXXXXX XXXX XXXX. '' On XX/XX/XXXX I " replied-all '' again to my email I had sent back on XX/XX/XXXX asking again for an explanation of charges and demanded they cease credit actions against me- I still have not received a response. On XX/XX/XXXX I called XXXXXXXX XXXX to ask for an explanation of charges and I was told " my account is closed and only XXXX can address my issue. '' I was not, however, provided with any direct number of any XXXX employees ( despite my repeated requests ). I was only provided with a generic XXXX  number, which I called and left a voicemail with ( on XX/XX/XXXX ) where I referenced my situation and email correspondence, and still I have not heard back from XXXX. 

Please help. It feels criminal that XXXX can damage my credit score for an unpaid debt they never explained/justified.
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

XX/XX/2023 I disputed fraudulent activity on my account for an odd and unusual amount of XXXX XX/XX/2023 Case # XXXX As I requested they resolved dispute and removed credit from account. 
They forced a closure without me understanding why.
Consumer complaint received 2023-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (SC)

I am submitting this complaint for myself. 
I have attempted to resolve this with the company NCB Management to no avail. I have never done business with this company, nor the company the alleged debt is from. 

On XX/XX/XXXX, I received a letter from NCB Management Services indicating my personal information had been breached by an unauthorized party. 

Not only should NCB  not have my information, but they have also been negligent in protecting my private info. I demand this company cease and desist all communications regarding my information and also cease reporting this unverified information to credit bureaus.