davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
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. (NJ)

In accordance with the Fair Credit Reporting Act. 

XXXX  Account Name - XXXX XXXX XXXX Account # XXXX, has violated my rights.

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 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Suttell, Hammer & White, P.S (ID)

Why this happened is they were being unreasonable with interest rates and payments during XXXX it kept going up and up then they lowered it a little and not enough and I just gave up. The amount is not correct and amount on the card was all for medical/dental charges not shopping sprees and garbage. 
XXXX was charged off and reported on credit report which indicates that they wrote it off the books and took a credit on taxes so they have re-couped their funds. 
Recently, in XXXX XXXX XXXX I had requested copies of statements that I was missing for tax purposes and could no longer access due to the account being closed. I requested these by letter to their Customer Service Dept 3 times by USPS mail with the last request being on XX/XX/ I would be forced to estimate the charges. 
I received a shady looking letter from a law firm in XXXX, WA that was signed by someone, attorney at law with no attorney reg/license number. Along with the letter was sent to me statements that I did NOT ask for and NOT the ones I did ask for. 
This letter stated " XXXX XXXX IS THE CURRENT CREDITOR AND ORIGNINAL CREDITOR '' which is not true. They charged it off and sold it to how many entities is not known along with my personal information! Which is " Identity Theft ''. 
My personal bank account was recently compromised in XXXX XXXX with two transactions totaling {$650.00} with online orders at XXXX and 4 overdraft fees of {$35.00} each for which I was only reimbursed for 1 and threatened by the bank that they may not reimburse me for the fraud. I closed my account and went elsewhere and did let people know how the bank treated me. 
Now, I find out that someone is trying to serve me legal documents. They trespassed on property that clearly has large signs at the entry and half way through that says " NO TRESPASSING '' and stuck a sticky note on my landlord 's door with a message to contact them. 
My landlord is now freaked out because they ignored the " NO TRESPASSING '' sign. Their next stop may be at my employment and a phone number and my name at the bottom which does not indicate what company they are representing and suspiciously looks like the same handwriting on the address label of the envelope that the law firm sent me the erroneous statements that I DID NOT ASK FOR which proves nothing. 
I did some research on the phone number that was provided on the sticky note and did a background search on the person. If all is true, they don't have a legal standing serving legal documents and their business name " GPS SERVICES '' does not exist. 
This is all looking like a scam and identity theft to me. 
Clear violations of privacy. And I want that debt removed from my credit report since they have already been paid more than once.
Consumer complaint received 2023-07-13
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. (AR)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the XXXX credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX Balance Owed : {$600.00} ; FXXXX XXXX XXXXXXXX Balance Owed : {$280.00} ; 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$530.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-08-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (TX)

Over the course of the last 3 years I have contacted my loan service to ask for accommodations regarding the monthly repayment amount. AES was the initial servicer. I read in the news about Public loan forgiveness. I was told by AES that my loans needed to be direct fed loans. I completed the process as advised by Fed student aid or studentloans.gov to consolidate my loans to become fed direct. Therefore qualifying for public service forgiveness plan. Upon completion of the consolidation I was told I do not qualify for the public forgiveness because I am not on an Income based payment plan but if I applied and approved all payments made to date as direct fed loans would count in the forgiveness plan. I was denied IBR. My combined income was too much. 
Recently my wife lost her job and I called studentloans.gov to get help. They said I can not reduce my payments any further than $ XXXX/mo. Unless I was on the IBR. on XX/XX/XXXX I completed another IBR application due to my wifes loss of income. When I was done submitting the rep on the phone told me that none of my previous payments would count as Public forgiveness even if I was approved for the IBR. 
My issue is with the loan amount and the monthly repayment. The rep at studentloans.gov told me that $ 200+ is going interest and not principle. I am XXXX and based off of the current repayment plan I will never pay this off. We are struggling to get the monthly amount paid and it is causing hardship at home. Since graduating college in XXXX my loan amount has INCREASED due to needing forbearance many times. 
I need help! I have talked to my loan providers on 8 occasions and have received many mixed messages from the different reps. Only once did they offer or talk about IBR as an option. No other help was given. I had to seek information about public service forgiveness on my own and only then did they talk to me about it. I simply can not pay $ XXXX/mo. That is an unreasonable amount. I am a federal employee so my job is at risk as well. If these loans go default they will terminate my employment. If they garnish XXXX/mo we will lose daycare for my youngest child and not to mention my credit report will suffer greatly. I have reached out to fedloans.gov and studentloans.gov as well as the schools I attended and no one is able to assist. I have asked the universities to provide me with a statement of costs for the classes I took. All of them have said they cant give me that. I want to know if my balance is even legit or have I been double charged or charged out of state tuition when I was actually a resident. Please help.
Consumer complaint received 2023-07-13
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: LEXISNEXIS (TX)

I found out in XXXX that I had being payment a high car insurance bill because Lexis Nexis has on a report that I had to insurance claim in XXXX from XXXX. The claims are dated XX/XX/XXXX for 2 cars, a XXXX XXXX XXXX ( XXXX XXXX ), which was submerged in the flood of Hurricane Harvey. The other claim for dated XX/XX/XXXX is for a XXXX XXXX XXXX XXXX which I have never owned a XXXX XXXX XXXX in my life. The claim numbers are XXXX & XXXX. I never could understand how my full coverage insurance cost went from {$98.00} per month to {$300.00} per month. Everytime I asked an insurance company why my insurance was so high, they would just tell me that the cost of insurance has increased, until a representative from an online insurance company told me I had 2 claims and that is why the quote she gave me was so expensive. I have tried to get this matter resolved for 2 months and now I am faced with getting on liability insurance until this is resolved because I can't afford the insurance I have been struggling to pay for the past 2 years.
Consumer complaint received 2023-07-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClearPath Lending (MT)

I received a flyer to participate in the VA IRRRL program from Clearpath Lending in XXXX of XXXX. I began the process to use the IRRRL program in XXXX of XXXX  to decrease our interest rate from 6.7 % to 4.99 %. Because we closed on our current loan in XXXX of XXXX, we were told that we would need to wait until our 7th payment posted on our current mortgage which ocurred in XXXX of XXXX 

Starting in XXXX, I requested a rate lock multiple times with our lender. I was repeatedly told that upper management was refusing our request. 

The lender called me today and told me that they had successfully locked our rate at 5.6 %, over a half percent higher than we were initially told. This bait and switch is massively detrimental to my household and our financial plans. 

The lender has also repeatedly told us that we could skip up to 2 mortgage payments to help us get cash back in our pocket, which is specifically disallowed according to the VA.gov website.
Consumer complaint received 2017-08-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by IQ Data International. IQ Data International does n't have the rights to collect debt in the State of Texas? They are not abiding by the Law accordingly to the State of Texas and they supposed to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. I sent IQ Data International a creditors validation letter to support their rights to collect a debt as a third-party debt collector in Texas. So, I checked the Secretary of State Texas Debt Collections Division website and found out that IQ Data International is breaking : " Texas Finance Code section 392.101 which prohibits a third-party or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtained a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the state of Texas with a P.O. Box '' I am in need of another Investigation to remove them from my credit report, please. In my case against IQ Data International, they are not registered with the State of Texas proven they have the right to collect debt in Texas.
Consumer complaint received 2016-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

Geeze, Seterus is really getting a jump on the complaints!!! Now I received notification they placed insurance on the home for 90 days for the sum of {$1500.00} which is insane on so many levels. First, they state their 'records show that your hazard insurance has expired ' which plain and simple, their records are wrong and they should have received insurance information from XXXX XXXX XXXX who received insurance information both in XXXX and around a month ago and both are well documented with the cfpb. Second, insurance for the home costs around {$1500.00} for the year, not 90 days so what kind of robbery is this!?!?! 3 ) Seterus as per a previous complaint still needs to back up and back off and for many reasons also noted in previous complaints. 4 ) As detailed with XXXX XXXX XXXX, Seterus needs to provide proper legal documentation as to why and how in the eyes of the law that I bound to their terms since the only legal document I have signed related to this loan was with XXXX XXXX. 

At this point I definitely consider that seterus has crossed the line with their threats and intimidation and when I speak to an attorney regarding XXXX XXXX XXXX, I will also discuss a lawsuit against Seterus as well because this simply is not the way things should be done.
Consumer complaint received 2016-10-26
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Account Resolution Corporation (MO)

While reviewing my credit reports in XXXX, I discovered a collection account for Account Resolution Corporation on behalf of XXXX XXXX XXXX. I had never received a bill from either XXXX XXXX XXXX or Account Resolution Corp, so I contacted Account Resolution Corp via certified mail requesting validation of my obligation. Account Resolution not only failed to mark the item as disputed on all XXXX reports in the required 30 days, but also responded with copies of a bill with my name listing procedures and a form supposedly signed by me. The signed form gave permission to release records to XXXX entities only ( entities responsible for payment and government agencies for the purposes of determining eligibility for government benefits ), yet XXXX XXXX XXXX released records to Account Resolutions Corp who is neither financially responsible nor a government agency. This is a violation of my rights and permission was not given to provide personal information regarding my health to a collection agency. 

In summary, the original bill was never received from the original provider. A bill and/or right to dispute was never received from the collection agency, and to validate this debt, my personal information was given to a third party without my consent.
Consumer complaint received 2023-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act, the listed accounts below has violated my federally protected consumers right to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account # XXXX has violated my rights. XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX XXXX ( XXXX XXXX ) Account # XXXX has violated my rights. XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX  ) Account # XXXX has violated my rights. XXXX XXXX XXXX ( XXXX XXXX  ) Account # XXXX has violated my rights.XXXX XXXX XXXX ( XXXX  ) Account # XXXX has violated my rights. XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. XXXX Account # XXXX has violated my rights. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 Usc 1681c ( a ) ( 5 ) section states, no consumer reporting agency may take 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 USC 1681s-2 ( A ) ( ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency it the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NY)

XXXX has told me when I opened the account I will receive XXXX bonus upon spending XXXX when opening account in first 90 days an it should be applied shortly after XXXX spend is complete. While calling to check up I was told several times that it takes XXXX months to apply. It has been well over a year from the day I opened the account and the spend of XXXX was made, Now simply they tell me to wait XXXX more days when ever I call. Even in the Venmo secure message they acknowledge i should be getting the XXXX bonus as a note is on my account but still venmo refuses to actually honor the offer i was given and provide the XXXX spend bonus
Consumer complaint received 2023-07-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (FL)

repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number. this debt collector has violated the Debt Collection Rule12 CFR 1006.14 ( b ) ( 2 ) ( ii ). They have called a total frequency of 13 times in a 7 day calendar period. 6 times over the rule.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XXXX XXXX, 2016, I checked my credit report through XXXX and there were a total of XXXX hard inquiries removed from my credit report. On XXXX XXXX, 2016, I checked my credit report again and discovered the XXXX hard inquiries that had been removed earlier were now re-inserted on my credit report without sending me a re-insertion letter in accordance with the FCRA - section 611. I have called Transunion and XXXX on multiple occasions and sent a certified letter ( return receipt received XXXX XXXX ) to each reporting agency. My calls to Transunion have been answered by foreign representatives who have refused to transfer me to U.S. reps to discuss my issues. They have told me it can not be fixed and I should go to the police if I want them removed. The police have told me they can not make the credit bureau be complicit with the FCRA. I want these hard inquiries removed as required. My calls and letters to XXXX have not been responded to and it is now 31 days past their awareness of the issue.
Consumer complaint received 2016-06-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I lost my business in the recession in XXXX and was forced to file for bankruptcy.My house that I had at that time was included in that bankruptcy and discharged but Bank of America /XXXX ( not sure- this loan has been sold many times ) continues to send me notices that I not only owe the loan amount but interest they have calculated since then which they say is double the amount of the original loan, which they are claiming close to XXXX dollars!! Even though, I put down {$280000.00} deposit when the house was purchased in XXXX. I do n't know why this is continuing after all this time has past. I have also been sent recently a foreclosure on that same property from XXXX.
Consumer complaint received 2023-07-13
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)

There is information that on my consumer reporting as Charge Offs. I did not receive a copy of my 1099C form from any of the creditors thats reporting to the credit bureaus. Per U.S. Code 6050P the creditor has received a tax off write off and they submitted a 1099C form to IRS. Therefore I should not have his debt reporting on my credit report. Also since these accounts are listed as Charge Offs there should not be balances reporting and especially since these accounts have already been written off by the creditor. Please send me any forms or documentation showing that you have the right to report this as a debt, if you can not provide that please remove these accounts from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting Act. 

XXXX  Account Name - XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-02-07
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: TENET HEALTHCARE CORPORATION (TX)

On XX/XX/2016 I sent a letter to the creditor, which requested confirmation of information regarding the debt, originator, amount. On XX/XX/2016 I received this letter back from the XXXX, with a label " return to sender, unable to forward '' I have made several attempts to dispute this collection via collection bureau- XXXX XXXX I can not verify the debt, I can not contact the debt collection agency to verify the information.
Consumer complaint received 2023-07-14
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. (MD)

From XXXX to XX/XX/XXXX, I've even sent certified mail to all 3 B in its bureaus about my Name being wrong addresses. Wrong Loan info. Credit cards From XXXX XXXX XXXX XXXX XXXX XXXX XXXX were supposed to be removed completely removed. I never had those cards physically. also Hard inquires i asked to get removed that were not authorized XXXX credit / XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023. All of these are not mines or did i have knowledge of them being used or authorized. 
I want them all removed, and i want all hard inquiries removed please than you