davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of 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. ''
Consumer complaint received 2016-01-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX, XXXX. 
XXXX XXXX. XXXX XXXX XXXX, FL XXXX Fax : ( XXXX ) XXXX XXXX : Acct # XXXX ( Vehicle Car Loan ) The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the XXXX credit agencies and remove all late reporting. As you know my account is paid in full. 
Recently, I have begun search for a more financially rewarding career in the Federal government and it has come to my attention that my late payment ( s ) with XXXX XXXX XXXX may negatively affect my chances of obtaining a career in the field I am pursing. As you may know, FICO scores are being used more and more in the selection of prospective job applicants and security clearances. 
In light of my renewed focus and demonstrated commitment to rebuilding my trust with your company, I am requesting that you give me a second chance at a positive credit rating by revising the late payment ( s ) as reported on my XXXX major credit bureau files ( Experian, XXXX, and XXXX ). I sincerely hope XXXX XXXX XXXX believes in their customers and I humbly request your consideration to allow me to pursue the career of my dreams. I appreciate your time and look forward to receiving a favorable decision from you department soon. Please provide your decision on the above-mentioned account in writing.
Consumer complaint received 2016-01-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

In follow-up to my complaint number XXXX, SPS has yet to address their correspondence and request to set-up automatic drafts of my account that was mailed to me in XXXX XXXX. Instead they continue to turn back to the excessive auto-draft, but this was not the only issue. My complaint arises from more than that singular issue, but the series of errors that SPS made and then refused to address or correct. SPS keeps stating that the only issue was their overdraft of my account which took place under authority I extended them back in XXXX. If this was truly the case, why send me a letter and form to set-up auto-drafts with my loan modification documents in XXXX XXXX in order to maintain currency on my accounts? Per SPS 's statement, this would not be necessary because supposedly they already had my authority ... though their customer service team throughout my loan modification process continually stated otherwise and that I would need to set-up a new auto-draft once my modification was complete. SPS continues to lie about their actions and responses and this is why I will continue my protest until I am made whole. It is SPS 's correspondence of XXXX XXXX that contained the instructions to complete the auto draft form, submit it, and in the interim make check payments. It is this written request and direction from SPS which made me mail payments for my XXXX and XXXX mortgage even though they had already removed an excessive amount from my bank account ( I just was not aware of it yet ). From there, SPS attempted to process XXXX these checks - not once but twice after I had already contacted them about the error in their overdraft. Despite my repeated requests for correction, SPS failed to respond for months, specifically from XXXX XXXX through XXXX XXXX. It was after I filed a complaint with CFPB that SPS slowly began addressing pieces of the fall out to me. In lieu of acknowledging their error, they preferred to refuse to credit my mortgage accounts appropriately, refused to credit me the {$110.00} in bank fees I incurred, and instead decided to report my account as late to credit bureaus because of the {$110.00} ( disputed amount ). I should not be penalized for SPS 's errors with late reports on my credit when I have not been late ... only defrauded. It is this type of unscrupulous behavior why CFPB was formed to help protect consumers against.
Consumer complaint received 2015-12-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (NY)

COMPAINT AGAINST US BANK HOME MORTGAGE My name is XXXX XXXX XXXX. U.S. BANK is the holder of my mortgage. I bought my house in 2009. One year later I find out the house was not in compliance with the local township. I spent more tha {$20000.00} to repair violation which was overlook by the bank inspection. As a result, I fell behind on my mortgage. 
For over two years I have been trying to get a mortgage modification. U.S. bank has been IMPOSSIBLE to deal with. U.S. Bank Agent XXXX XXXX has been using all the XXXX tactic to delay and denied my modification. 
U.S. Bank Agent : XXXX XXXX # XXXX ext XXXX I need a modification. Please help XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2015-09-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION (TX)

I received an alert through XXXX XXXX that a collection had been placed on my credit. I have perfect credit and never paid a late pay in my whole credit history. The day I received the alert I called Central Financial Control XXXX Syndicated Office Systems and they could not pull up an account using my name, address, phone number or birthdate. I explained that are trying to collect a debt using the incorrect social security number. They requested I fax them my information to their Inquiry Resolution Center, which I did on XXXX/XXXX/2015. They said IF it was clear the debt was not mine, it would be removed. Several days later I get a new Alert stating Central Financial Control has opened a new account in my name. I called again and now they are saying I have to report this to the police. They continue to place collections on my account for the very same XXXX, to which I have never been, and I do not even live in the city XXXX. The entire situation was handled poorly. And they have ruined my credit. My XXXX score has dropped nearly XXXX points from this error. They are not helpful in resolving the issue. It is still not fixed. I have been going in circles for XXXX weeks.
Consumer complaint received 2015-04-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (MD)

In XXXX 2014 I requested a complete history of all payments I have made on my XXXX, now Navient, loans. In particular, I was seeking the same data that is required on credit card statements and mortgage statements, namely " How much interest have I paid over the life of the loans? '' XXXX told me that they do not provide payment history beyond the last XXXX payments. I feel that they must have data on how much they have made over the life of the loan and refuse to disclose that to me.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. 

Please delete the following accounts 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 2016-02-11
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

I have been paying the same amount on my student loans on time for the last five years. This month, my monthly payments more than doubled. I called to get help and I, with my cosigner, went through a financial assessment over the phone on XXXX XXXX. This process took approximately two hours and we came to an agreement of a lowered monthly payment effective immediately. In order to agree upon the financial agreement, I had to agree to an automatic deduction of half of the adjusted amount every month. Just to lower my payment, which I qualified for due to my income, I had to give a stranger my personal banking information. I called to see when I should expect my account to reflect the new monthly agreement, and the operator had no answer for me. I continued to check my account and my bank statement for the transactions to change, and nothing different. I received a letter this morning, XXXX XXXX, to the effect that my payment over the phone did not go through due to failure to locate my bank account. Not only has the very same bank account paid my balance every month, but no changes have been made to my banking for over 13 years. I even repeated the account and routing numbers several times over the phone XXXX/XXXX/2016 just to make sure so that I would not lose my new monthly quote. Seems to me there is some foul play here. In the meantime, my account has had the same unaffordable balance, as well as, new threats of late fees and hits on my, and my cosigner 's credits. In addition to all of this, my cosigner during her recent financial adjustment, on XXXX, expressed that she is experiencing her own financial hardship and can not afford to help in any way. Instead of taking this new information into consideration, Navient charged me the same for the XXXX loans she helped me finance and threatened to attack her if the payments were not collected on time. I am a good customer and have tried to do the right thing here, but Navient has not held up its end of the new bargain.
Consumer complaint received 2016-01-05
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

I have XXXX loan modification agreements with Chase, finalized in 2013, after my hardship and bankruptcy filing.The bank offered a concessionary rate compared to market rates to reduce the recurring debt service. The difference between the concessionary rate and the market rate for the life of the loan was capitalized in the form of " Deferred Principal '' to be paid at the end of the life of the loan. The " Deferred Principal '' was 7.3 % -7.6 % of the outstanding principal at the time of the loan modification. I am now selling my property ( closing next wek ). Chase 's demand statement requires me to pay XXXX % of the " Deferred Principal '' -- a predatory practice that penalizes the borrower as a Prepayment Penalty. My understanding before the loan modification was that the " Deferred Principal '' was to be earned by Chase over time. Therefore, the " Deferred Principal '' was to be prorated on the basis of the time the loan has elasped compared to the loan maturity. Chase used a fine print -- half hidden from the eye, i.e., not in bold letters -- to lay the trap for an equivalent " Prepayment Penalty ''.
Consumer complaint received 2016-01-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Optimum Outcomes, Inc. (NC)

this was resolved with the hospital on XXXX/XXXX/XXXX. they retracted their letter to the collection agency and as of XXXX/XXXX/XXXX the collection agency contacted the credit bureau without approval from the hospital. the hospital said the collection agency had to wait 60 days & send notification to me before contacting the credit bureau. My XXXX score took a nose dive due to the aggressiveness of optimum outcomes inc out of XXXX il
Consumer complaint received 2015-04-16
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (NY)

One Main Financial keeps attempting illegal phone calls to me after I have requested for them to stop. I sent them a letter, here it is attached and they are flagrantly disreguarding federal laws in their attempts and they need to be fined in accordance with the do not call policy. Consumers need help against banks like this.
Consumer complaint received 2015-12-15
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fenton & McGarvey Law Firm, P.S.C. (CO)

I originally obtained a loan through XXXX for a XXXX on my home. I went into collections and my loan was given to the law office of XXXX XX/XX/XXXX. I have been making payments to Farrell & Seldin for years and within the last few years, they changed to Fenton & McGarvey. XXXX was bought out by XXXX and I have been communicating with them but it is short as they tell me the law firm handles everything. My husbands name and mine are on the original loan with XXXX and XXXX however, only my name is on the loan with XXXX/XXXX XXXX XXXX. Every month we make a payment we ask for a breakdown of all that has been paid and all that has been charged along with details ... we still have not received this and the law office keeps telling me that my husband is not on the loan ... it is a second on our home, he has to be. On XX/XX/XXXX I had a detailed half an hour conversation with XXXX at the law office and I stated that it is my right to receive a complete breakdown of my payments and charges. I requested this again on XX/XX/XXXX ( when I made my payment ) and I still have not received what I have asked for. Each month, I get a verbal amount that is different than my calculations ( and I verified with XXXX that my payments are all going to principal ). XX/XX/XXXX, my husband was able to get a verbal figure from XXXX ( at the law office ) and at that time it was {$2800.00}. I make a XXXX dollar payment every month and have for years and as of my last payment, I still owed just under XXXX dollars ( XXXX ). I do not want to give them any more money until I have the complete history from them on my account.
Consumer complaint received 2015-04-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One has XXXX me once again. This would be the XXXX time I have complained about their total lack of customer service and lack of communication, and more importantly erroneous information. 

I asked to see if I could do a rate renewal which was told to me by one customer service agent, then told that I could not by several others. After days/weeks on the phone trying to resolve the issue with Mortgage Escalation Dept, I was told that I would be getting the paperwork in the mail, yet did n't get it. I was never given what the rate would be and after the XXXX phone call in the last two days, was told that my rate was going to be higher than what I 'm paying now. I ca n't believe the problems and horrible service at Capital One!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! XXXX
Consumer complaint received 2016-01-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PLANET HOME LENDING, LLC (MD)

There is a lot I do n't understand on how Planet Home Lending is using my escrow account. I was expecting to have a lower mortgage payment but for some reason it goes up with some number that do not much my calculations.
Consumer complaint received 2016-01-04
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX has reported to all XXXX credit bureaus that I have a delinquent credit card account with them that I do not believe is mine. I have sent numerous requests for proof of debt according to the FTC guidelines and have asked that they provide me with something with my signature on it that I indeed applied and used this credit card. To date, all I have gotten from them are responses to the effect that this account was applied for online and that I made a payment on the account. Still nothing showing proof that this debt and all charges thereto are indeed mine. I contacted the FTC about this situation and they referred me to you for help with this situation. All I 'm asking is that I get written documentation of some document with my signature on it that proves this debt.
Consumer complaint received 2015-12-16
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Collaborative Resolution Group (WI)

On XXXX/XXXX/XXXX XXXX from CRG phone number XXXX contacted me. She claimed I had taken out an online loan with XXXX on XXXX XXXX, XXXX. I did not. She claimed a reference listed was a person I had not met until the summer of XXXX. 

This woman knew the last XXXX digits of my social security number, my date of birth etc. I have never taken out an online payday loan. I believe it was a scam. My concern is she called to verify my personal information and will use it for fraudulant purposes.
Consumer complaint received 2016-01-04
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (CA)

I have been a customer since XX/XX/XXXX ... I have an excellent payment history ( AMEX stateded this ) ... My XXXX credit cards from AMEX were suspended without cause ... I was not notified, I found out my cards were suspended when a purchased was declined ... I faxed an agreement that AMEX may look at my XX/XX/XXXX tax return ... Poor response ... Stated my spending needed to be justified ... I was approved for the XXXX American Express Card as these XXXX cards are still suspended.