davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-29
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. (TX)

On XX/XX/XXXX, I spoke with XXXX at Experian in regards to the account listed for XXXX XXXX XXXX XXXX. I advised her I paid this loan off in XX/XX/XXXX XXXX and received my title in the mail. I asked why this account was showing as a charge off. She stated that is what was verified. On XX/XX/XXXX, I submitted an online dispute in regards to this information and asked that the chargeoff be verified as correct. On XX/XX/XXXX, I received an emailed response that this information was correct and the dispute was closed. On XX/XX/XXXX, I submitted a typed and signed letter via certified mail to  Experian asking that they send me any correspondence from XXXX XXXX that they used to verify what they are reporting. I also requested a return signature. Not only did they not sign for the letter they also did not provide me with the information I asked for. On XX/XX/XXXX, I received a letter from Experian saying they would not re-investigate this issue. Again, they have not provided me anything in writing showing me how they verified this information. On XX/XX/XXXX, I called Experian and spoke with XXXX in CS and XXXX in disputes. They stated there was no open dispute on my file and that the letter I sent was n't enough to warrant a dispute. My letter is asking for proof that they are reporting information correctly not to dispute that the info isnt mine. They have failed to do so on more than one occasion.
Consumer complaint received 2024-11-25
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: CITIBANK, N.A. (NY)

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XX/XX/XXXX Subject : Formal Complaint Against Citibank N.A./THD for Unauthorized Credit Inquiry To Whom It May Concern, I am filing a formal complaint regarding an unauthorized hard inquiry on my credit report initiated by Citibank N.A./THD on XX/XX/XXXX. This inquiry was conducted without my consent or any permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ). 

Description of the Issue : On XX/XX/XXXX, Citibank N.A./THD accessed my credit report without my authorization. Under the FCRA, specifically 15 U.S.C. 1681b, a consumers credit report can only be accessed for permissible purposes, which require express written consent from the consumer. At no time did I provide such consent to Citibank N.A./THD, nor did I engage in any business transaction that would justify this inquiry. 

Impact on Me : The unauthorized inquiry has caused the following harm : 1. Negative impact on my credit score, which could affect my ability to obtain credit or favorable terms.

2. Unnecessary financial stress, as I have had to address this matter and dispute the inquiry.

Resolution Sought : I respectfully request the CFPBs assistance in the following : 1. Investigate this unauthorized hard inquiry made by Citibank N.AXXXX XXXX XX/XX/XXXX. 
2. Require Citibank N.A./THD to remove this inquiry from my credit report immediately. 
3. Ensure Citibank N.A./THD complies with federal laws and provides written confirmation of the removal and corrective actions taken.

Citibank N.A./THDs actions are in direct violation of my rights under the FCRA, and despite my attempts to address this issue directly, no resolution has been provided. 

I trust the CFPB will investigate thoroughly and take the necessary steps to protect my rights as a consumer. Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX
Consumer complaint received 2019-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I have disputed this account information as inaccurate with you twice and now with the CFPB, you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the collection agency myself through Certified Return Request Mail XX/XX/2018 and also through a recent CFPB claim and have been unable to get them to verify that this is my debt. I did not ask for a verification of my address or who the creditor is etc., I asked for a copy of the signed contract with my name on it and what exactly I was being billed for. I received neither. Nothing. 

The CFPB claim on XXXX XXXX XXXX asks XXXX to validate these debts, and validate the services rendered that I allegedly received. I was given no evidence of my obligation to pay this debt to this collection agency. In fact they ignored my prior requests until I filed the claim with the CFPB and immediately after they claimed to have forwarded to me verification in XXXX but they werent sure of the date. If this letter was sent it was NOT received at my address and XXXX holds no proof of sending this letter nor proof of it being delivered to my address. This trickery is violating my rights under the FCRA. It is clear that XXXX XXXX XXXX can not legitimately validate this alleged debt as mine. It is now the Credit Bureaus legal responsibility to immediately remove this from my credit report. 

The FCRA requires you to verify the validity of the item within 30 days. I have sent two letters to your company, which means you have had 60 days to validate this debt and have you not followed through with my requests in accordance with the FCRA. If the validity can not be properly verified, you are obligated by law to remove the item immediately. There is a very clear case of unverified debt here, and I urge you to remove this item quickly before I am forced to take legal action to protect my consumer rights. 

In the event that you can not immediately verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter.
Consumer complaint received 2018-05-20
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. (FL)

I called Navient about repayment options on my loans. I have two private loans, and it is difficult to pay the minimum monthly payments. When I called they advised me that they do not have repayment options available for me. Basically saying if you fall behind oh well, but these are your terms and we cant do anything for you. I need flexible payment options like extending the maturity date to lower the payments and a lower interest rate.
Consumer complaint received 2017-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

Santande r USA is reporting  on my  XXXX  credit report that in  XXXX , the payment was 30 days late. Account has never been paid late.   XXXX    &   XXXX  have it reported accurately that there were no late payments.
Consumer complaint received 2017-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (SD)

Wells Fargo repossessed my vehicle 6 years ago while the payment was in their hands, I put a stop payment on the check as they did attempt to cash it. They called my insurance company and said I had been in an accident with it, untrue, and tried to file a claim. I soon settled the debt. 5 years later the loan showed up on my credit report as open. I 've paid high interest rates ever since.
Consumer complaint received 2017-06-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

Ocwen Loan Servicing used Falsified documents to foreclose on my property. I have submitted verifiable proof of fraud and forgery in the recorded chain of title in regard to critical foreclosure XXXX County Supreme Court Index No. XXXX Their Improper assignments were recorded in the county land records offices. Improper assignments were submitted to the Court in support of foreclosure motions Improper assignments were accepted by the Court as valid assignments that substantiated the foreclosure. The Corporation of Assignment of mortgage by Ocwen loan servicing on XX/XX/XXXX with of seller servicing number of XXXX XXXX, old servicing number XXXX XXXX is signed by Fraudulent Public Notary. Book/Page XXXX Instrument No.  XXXXThe Corporate Assignment of Date of assignmentXX/XX/XXXX between Ocwen Loan Servicing LLC and XXXX XXXX XXXX XXXX Please note XXXX XXXX Commission No. XXXX with a commission expiration ofXX/XX/XXXX in State of Iowa , County of XXXX XXXX is not valid. I have attached proof. I was foreclosed upon based upon falsified document. The bank submitted several different promissory not submitted as proof of ownership. In prior CFPB complaint, I requested XXXX XXXX XXXX to submit a copy of Promissory Note, no which appeal like ones submitted by Ocwen or its predecessors. I would as them to return ownership of my home asap. In previous complaint XXXX I am requesting document proof of servicing contract in regard to prove XXXX was my investor. Ocwen reputed my claims of robo signing. The multitude of homeowner of cases and settlements in every state proves other wise.
Consumer complaint received 2017-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (AZ)

I refinanced my mortgage with XXXX XXXX XXXX ( XXXX ) and closed onXX/XX/XXXX. Part of the closing costs included paying the interest that would accrue fromXX/XX/XXXX -XX/XX/XXXX, so as ofXX/XX/XXXX I technically owe {$0.00} in interest as it has been paid. <P/>I borrowed {$240000.00} at 4.25 % on a 30-year note with a {$1200.00} P & I payment ( excluding escrow as it does not impact this issue ). <P/>My first payment was/is dueXX/XX/XXXX and I paid it onXX/XX/XXXX. On XXXX 's website the payment shows the payment 'Applied Date ' and 'Effective Date ' asXX/XX/XXXX. So from XX/XX/XXXX toXX/XX/XXXX approximately {$460.00} of interest has accrued on the principle balance ( math on this calculation below ). 4.25 % ( rate ) / 365 ( days in year ) x 16 ( days of accrued interest ) x {$240000.00} ( principle ) = {$460.00} XXXX applied the payment showing that {$870.00} was applied to interest and the remaining portion of the payment went to principle. I called multiple times to have my payment applied correctly so that I paid the interest accrued to date of payment, but they are stating I must pay all of the interest for the month which is in violation of Fair Lending laws.
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (MI)

I have this XXXX XXXX XXXX XXXX with Wells Fargo. I paid each statement on-time through the XXXX XXXX XXXX, however, the Wells Fargo system did not reflect on-time which end up costing me paying for late fee and interest fee without giving me any notification.

This is a co-branded credit card, and from me understanding from Wells Fargo when I applied for it, there is no different paying through either platform and, with any possible delay, Wells Fargo will auto-adjust based on the actual payment date/time.

Wells Fargo did not fix the problem with my call. They said they need file a complain on my behalf and then hopefully seek for an approval from higher up according to this situation. I am very disappointed to this currently result.

With the bank 's reputation, I strongly suggest US government agency to look into.
Consumer complaint received 2017-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX  cancelled my debt and issued a  XXXX  IRS form for which I had to pay taxes on the forgiven amount. Per Internal Revenue Bulletin  XXXX  ( Removal of the  36-month nonpayment Testing Per iod Rule ) on  XXXX   XXXX ,  2016 , creditors should not send you a  XXXX  form unless the debt is really canceled, extinguished, forgiven, and gone for good. I have disputed the accuracy of the account balance and past due amount with the credit bureaus asking that they be updated to show a {$0.00} balance and {$0.00} past due. However, the information does not update.
Consumer complaint received 2017-06-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

Allegedly I owe on 2 accounts one for {$330.00} and one for {$180.00}. I have been harassed since 2012 about 2 payday loans that were supposedly taken out online with my information. I have disputed these accounts and they always come back as verified but no contract had ever been provided as requested and the original creditor refers me back to the 3rd party. I contacted them recently and received no resolution. I do not owe this debt and still offered to settle in exchange for deletion to get this behind me and they refused. I do not believe they own the debt and think they are attempting to fraud venerable people. Please investigate and help resolve this matter. All of my certified letters have been unsuccessful in disposition. I recently received a contract that did not include my signature after filing with the better business bureau. This is still unacceptable if I had taken out this loan they would have documents with my signature.
Consumer complaint received 2017-06-29
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. (SC)

I sent verification to XXXX from the The United States Bankruptcy Court ( District of South Carolina ) to show proof that : I challenged the accuracy, compliance and reportability of this listing. The United States Bankruptcy Court do not provide court records to credit bureaus or third party vendors. So how and from what source did they ( XXXX ) investigate and or reinvestigate this information. I provided proof of the credit bureaus error in reporting. The public record should be removed. attached is the response and dates that were sent to me. I also have a problem with the time frame in which they said that investigated. All records, letters and proof is attached. The state that i need to have more proof the letter form the court is more than sufficient.
Consumer complaint received 2017-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  cancelled my debt and issued a  XXXX  IRS form for which I had to pay taxes on the forgiven amount. Per Internal Revenue Bulletin  XXXX  ( Removal of the  36-month nonpayment Testing Period Ru le ) on  XXXX   XXXX ,  2016 , creditors should not send you a  XXXX  form unless the debt is really canceled, extinguished, forgiven, and gone for good. I have disputed the accuracy of the account balance and past due amount with the credit bureaus asking that they be updated to show a {$0.00} balance and {$0.00} past due. However, the information does not update.
Consumer complaint received 2017-06-30
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: EQUIFAX, INC. (IA)

While checking my credit report I noticed credit inquiries that I did not authorize made by the following companies :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Being  that I d id not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting A ct Section 1681b ( c )   and a serious breach of my privacy rights.
Consumer complaint received 2017-06-29
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. (SC)

I sent verification to XXXX from the The United States Bankruptcy Court ( District of South Carolina ) to show proof that : I challenged the accuracy, compliance and reportability of this listing. The United States Bankruptcy Court do not provide court records to credit bureaus or third party vendors. So how and from what source did they ( XXXX ) investigate and or reinvestigate this information. I provided proof of the credit bureaus error in reporting. The public record should be removed. attached is the response and dates that were sent to me. I also have a problem with the time frame in which they said that investigated. All records, letters and proof is attached. The state that i need to have more proof the letter form the court is more than sufficient.
Consumer complaint received 2017-06-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service (FL)

XXXX XXXX XXXX. sent me a letter saying i owe {$1000.00}. the account is closed and settled for {$1600.00} and was given for army & air force exchange svc.. creditors acct # XXXX XXXX acct # XXXX
Consumer complaint received 2017-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC (NY)

I spoke with an individual named XXXX at Early Warning Services today, in response to getting declined for a bank account with XXXX XXXX XXXX XXXX She was not helpful, rude, and seemed to experience schadenfreude when I informed her that EWS was the apparent cause of the aforementioned decline. When I told her that I had already requested my consumer report, and requested that they send it to me by email ; asking how long it would take to get to me, she said " We have the right to take fifteen days, to verify the report, and then email it to you. '' I believe she is one of those reprehensible individuals who just uses the word " verify '' to sound official, without in fact knowing what it means. She used " apologize '' in a similar way. <P/>Regardless, I have never had a problem with any bank, I have no issue on XXXX and yet, there appears to be what I can only assume is an error on EWS. Moreover, their customer service department is nothing short of recalcitrant. <P/>To wit, when I asked her name, she asked, " why do you want to know my name? '' to which I responded, " I must know whom I am speaking to, '' to which she responded, " I stated at the beginning of the call my name is XXXX. '' That sequence of sentences only makes sense if someone is going out of their way to be difficult. <P/>Please do something about EWS. If they are going to hold up people 's lives, and experience schadenfreude about it, they should at least provide one 's consumer report immediately online.
Consumer complaint received 2017-06-30
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: Byrider Franchising, LLC (FL)

I opened a loan with cnac_XXXX on XX/XX/XXXX and I have recent inquiries only credit dated XX/XX/XXXX and XX/XX/XXXX I need those removed off my credit report being that I did not authorize this company to pull my credit report after XX/XX/XXXX
Consumer complaint received 2017-06-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Miller, Stark, Klein and Associates (AL)

someone keeps calling from XXXX saying they have complaints about me. they are using my previous married name ( which i have not used since 1987 ). So clearly scam they leave a message since i have the number blocked telling me to call another number, which belongs to Miller Stark Klein and associates please make this stop. I do n't have any complaints, my debts are up to date and they keep calling every 2 days. thanks
Consumer complaint received 2017-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA cancelled my debt and issued a  XXXX  IRS form for which I had to pay taxes on the forgiven amount. Per Internal Revenue Bulletin  XXXX  ( Removal of the  36-month nonpayment Testing  Period Rule ) on  XXXX   XXXX ,  2016 , creditors should not send you a  XXXX  form unless the debt is really canceled, extinguished, forgiven, and gone for good. I have disputed the accuracy of the account balance and past due amount with the credit bureaus asking that they be updated to show a {$0.00} balance and {$0.00} past due. However, the information does not update.
Consumer complaint received 2017-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

OnXX/XX/XXXX my mortgage company did multiple reallocations that amounted to subtracting payments totaling {$8300.00}. It resulted in adding over {$4500.00}. to principal, and almost $ 2k to  escrow and interest, each. OnXX/XX/XXXX, In  their detailed payment statement ( that I requested ),  that amount was distributed back into my account, but it never happened. All that was shown for XX/XX/XXXX was a payment received. * I have called since XX/XX/XXXXrequesting an explanation and review, at least every other week. I have been assured of : a review, a call back within a few days and a written explanation but, have received none of these. The review of the Escrow account did finally result in a refund in that part. I have brought this information to my accountant, and we had a group discussion with the Customer Care representative, to the same end. I have turned my file over to him and my lawyer, at this time. I 'm hoping the pressure that your bureau can provide will finally get us a response. Thank you for your time and attention.
Consumer complaint received 2017-06-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (FL)

Enhanced Recovery company failed to notify me in writing wit hin 5 bu siness days of reinserting a deleted collection account that once belonged to  XXXX   XXXX   XXXX  in  XXXX   2017 . Not only did they break the law in failing to notify me, they reaged the account and changed the amount " owed '' on this collection account that I disputed and was deleted from my credit report. I have no knowledge of this account, please delete this inaccurate information from my CREDIT report it is making it extremely difficult for me to obtain credit. Thank you