davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (GA)

Visa U.S.A. Inc will not respond to my complaint regardin

g Costco Wholesale. Costco is attempting to collect a charge after the card issuer initiated and resolved a chargeback in my favor ( Please see attached Documents ). I believe Costco Wholesale is in violation of the Visa Core Rules and Visa Pr
oduct and Service Rules. I called XXXX and filed a complaint approximately 2-weeks ago. They informed me that I would receive an email documenting my complaint ; I received no such email. Visa U.S.A. Inc has been non-responsive and Costco Wholesale 's recent actions have resulted in a financial loss.

I have followed-up with Visa U.S.A. Inc by sending them a written complaint. As of this writing I've received no response.
Consumer complaint received 2021-07-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation (NJ)

I applied for a personal loan with this bank for my husband and I under our name and our own socials. In middle of the day I had a complete stranger knock on my door claiming that I had stole his identity and was trying to get a loan. I asked him who gave him my home address and he stated that one main financial did along with my email address, my driver 's license number, MY HOME address and phone number so he can track me down. This man had the same name as my husband and same last 4 digits on his social as mine. So someone at one main financial badly screwed up 2 different people 's information. When we called the bank together, of course they denied everything. They gave my personal information to a complete stranger who showed up at my door, the situation could of went in so many different ways even really bad, luckily it did not and we came to realization that few people at this bank messed up bad.
Consumer complaint received 2021-07-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Reverse Mortgage Solutions, Inc. (HI)

reverse mort default, debtor died XX/XX/XXXX unit vacant, covid court delayed naming me SUCCTTEE EXR 15 months, RMS took over property from XXXX XX/XX/XXXX. RMS granted covid extension to sell with equity until XX/XX/XXXX. After extension granted the RMS property preservation dept hired and asset management firm to secure the property removing my lockset and lockbox, blocking my access with notice XXXX XXXX XXXX XXXX is in charge. 

I need written notice my extension until XX/XX/XXXX is in effect and that I am the only one authorized to enter the unit.Their action caused my carpet installation XX/XX/XXXX to be cancelled and will delay the open house XXXX
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I was in starts of my homeownership journey and I realized I had damages on my credit report. According to the 15 U.S.C 1681 law there should not be any damages to my report. I have recently reviewed my credit report and discovered that a medical collection account is listed XXXX XXXX XXXX account # XXXX, which I believe to be incorrect and unfair. I kindly request your assistance in having this collection removed from my credit report. 

I have not received any verification or proof of the debt from the medical provider or the collection agency. According to the Fair Debt Collection Practices Act ( FDCPA ), consumers have the right to request verification of the debt within 30 days of receiving a collection notice. I have previously disputed this collection with the credit reporting agency and requested verification, but no satisfactory response has been provided. I urge you to ensure that the collection agency provides proper verification of the debt or removes it from my credit report.
Consumer complaint received 2021-07-21
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. (TX)

This would be my 2nd complaint about XXXX XXXX. The company responded on XX/XX/2021 through the CFPB in response to my initial complaint dated XX/XX/2021. The company keeps sending me over the same documents nothing bearing my wet ink signature. I have sent in affidavits of truths and affidavits of fact that have yet to be rebutted. I know that an affidavit must be rebutted by another affidavit. If it is not rebutted then the initial affidavit stands as true and factual. I have asked that the XXXX XXXX stop furnishing my information to the consumer reporting agencies without my consent. They have ignored my request. ( 1 ) XXXX XXXX has failed to provide me with any written documentation or proof in your initial communication which I received as to who purchased any alleged student loans under any guarantee agreement bearing my name and personal identifying information. ( 2 ) Proof of the entire chain of custody of each promissory note you claim that the entity you are collecting for was required to purchase, including but not limited to, copies of the guarantee agreement for each of the alleged loans contained within your initial communication to me ; ( 3 ) Please send me a full accounting of ALL sums due that have been applied to this alleged loan balance, including alleged default insurance payments, credit default swap payments and any other insurance that was purchased to cover the entirety of the loan should an alleged default occur, including correspondence showing the payout dates of these alleged policies ; ( XXXX ) If this loan was securitized, along with other student loans, please provide me with the name of the trust and location of its trustee, including its full contact information and telephone numbers ; ( 5 ) Please provide me with the complete name and address of the original lender and/or creditor and all correspondence you have in your possession related to these alleged loans. ( 6 ) Please provide me with the exact location of my purported loan documents, signed by me, including a direct phone number ; and ( 7 ) Please provide me with copies of all correspondence between your agency and the U. S. Department of Education, including all loan documents, and any documents you have in your possession, bearing my legitimate signature, that proves you have the right to collect this alleged debt, including any agreements signed between you and the alleged creditor you claim to be representing in your initial communication to me. Lastly, please send me your rebutted affidavit if you do not agree with my claims and testimony.
Consumer complaint received 2021-07-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (PA)

MIDLAND FUNDING has continued to harass me for weeks even after I have told them to stop contacting me. In accordance with 15 U.S. Code 1692c - Communication in connection with debt collection they are not supposed to contact me without my prior consent which I have not given them, they are currently in violation of this statute. They also continue to contact me at unusual time and places such as this week when I was attending a funeral. This is also still violating 15 usc 1692c. When they call me they instantly tell me that I owe them a debt which is not paid for, and communicated with me more than once after i requested that they not contact me anymore. This is a violation of 15 U.S. Code 1692b ( 2 ) which states that a debt collector may not state that such consumer owes any debt.
Consumer complaint received 2021-07-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: STERLING BANCORP (NY)

We have asked Sterling National Bank on multiple occasions to put the money we could not pay during our hardship with COVID on the back end of our mortgage. For a few months we have been paying monthly installments by mail given they XXXX down the option to pay at a local bank location. They have been accepting out monthly payments but are still asking for the full amount we were unable to pay during our problems with Covid, as well as late fees. We were hoping after our multiple requests to place the amount we were unable to pay on the back end with our efforts to start staying on top of our monthly payments as a way to ensure they do not foreclose on us and allow us to place the amount during our Covid problems on the back end given we were always good on payments toward our mortgage but they seem to be working toward a foreclosure given they still send us statements we owe the full amount with late fees. We are asking for help to get Sterling National bank to put all owed payments on the back end and let us continue payments of a monthly mortgage fee with no previous balance due.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

This Mortgage was supposed to be protected by the CARES Act and was supposed to have payments paused during the pandemic. My other mortgage had the payments paused, but this one didn't even though I called them, requested it and was approved. I have reached out to them and they acknowledged it was a mistake, but they have yet to fix it on my credit report. Now it's reporting late and I have no way to refinance and pay off this loan.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX-Date of inquiry  XXXX XXXX XXXX XXXXDate of inquiry  XXXX XXXX-Date of inquiry XXXX XXXX XXXX XXXX XXXX-Date of inquiry XXXX XXXX XXXX XXXX-Date of inquiry XXXX XXXX XXXX XXXX-Date of inquiry XXXX XXXX-Date of inquiry XXXX XXXX-Date of inquiry XXXX XXXX XXXX-Date of inquiry XXXX XXXX XXXX-Date of inquiry XXXX XXXX XXXX-Date of inquiry XXXX XXXX XXXX XXXX-Date of inquiry XXXX XXXX XXXX-Date of inquiry XXXX XXXX XXXX-Date of inquiry XXXX XXXX XXXX-Date of inquiry XXXX XXXX XXXX-Date of inquiry XXXX XXXX XXXXDate of inquiry XXXX XXXX XXXX XXXX-Date of inquiry XXXX XXXXDate of inquiry XXXX XXXX XXXXDate of inquiry XXXX XXXX XXXX-Date of inquiry XXXX XXXX XXXX-Date of inquiry XXXX XXXXDate of inquiry XXXX XXXX XXXXDate of inquiry XXXX XXXX XXXXDate of inquiry XXXX XXXX XXXX-Date of inquiry XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX XXXX XXXXDate of inquiry XXXX XXXX-Date of inquiry XXXX
Consumer complaint received 2021-07-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with I.C. SYSTEM, INC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$290.00}
Consumer complaint received 2021-07-23
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. (MN)

This account isn't mines and I did not authorize these inquires. I wish for them to be removed and blocked from my credit report immediately because they are hurting my character. I have worked hard to build my credit and I would like for the consumer reporting agencies to do their job and not furnish deceptive information to my credit reports. I am working on building a non-profit community for battered women and this is holding me back. Please help me, as a consumer, I'm begging someone to hold these companies accountable for violating my consumer rights with inaccurate information, abusing my privacy, allowing my character to be hurt without my consent.
Consumer complaint received 2021-07-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. Pursuant 15 U.S. Code 1692b ( 2 ) which states that you may not state that a consumer owes any debt. Furthermore, you have attempted to communicate with me on multiple occasion which is a violation of 15 U.S. Code 1692b ( 3 ). If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. You also cant claim you verified any accounts unless you can prove you did what you are supposed to do Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc, who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ;
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2021-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (GA)

My car was stolen with my all my important information and documents in 2018 ever since then Ive been receiving phone calls from all kinds of debt collectors saying that Im in debt for a lot of different things that I have no clue about and this collection falls in that category Ive never had any services with XXXX
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

To whom it may concern, This account was charged off XX/XX/2019. It is to my understanding that a charged off account should not include an active payment history. This manipulates the date of last activity. 

The credit bureaus allow XXXX XXXX to update every month with changes the Date of Last Activity. This account shows 47 late payments which is incorrect. I have reached out serval times for reinvestigation and each time I was failed. 

Please delete this account. 

Best regards,
Consumer complaint received 2021-07-22
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. (NC)

I have reached out to the bureau and asked them to remove inquiries that doesn't belong to me. Here they are : XXXX XXXXXXXX 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 XX/XX/XXXX
Consumer complaint received 2021-07-23
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 — Was not notified of investigation status or results
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

My mortgage payments were showing up as not posted after I had paid them starting in XXXX, 2021. I called and inquired about it and was told everything was fixed and to continue making my payments in full on the XXXX of each month. I received correspondence in XXXX saying I was 2 months behind on payments. I again called the company and was told to disregard the letter because it was taking them longer to post things due to COVID. I saw my FICO score declining and missing payments stacking up to total 4 months of missing payments reported to the credit agencies even though I had proof of them coming out of my checking account. I spoke in person with the manager of Mountain America Credit Union XXXX XXXX Utah branch, XXXX XXXX, on XX/XX/2021 and was told he would contact the mortgage company they were working through and fix the problem. After considerable effort on my part, they agreed to correct the problem and provided me with a letter from Mountain America saying the reinstatement request had been mailed on XX/XX/2021. There was no evidence of who the letter was mailed to, or what it stated, and I was never given a copy of the request even though I asked for it multiple times. I have attempted to confirm with the 3 principal credit bureaus that they received the request and none of them can confirm. Consequently, my credit has been harmed to my financial detriment. I am currently trying to refinance my house and we are having a lot of difficulty with that and I am not able to get the discounted rates that would be available if my credit was not harmed like it is. I respectfully request that CFPB demand prompt action by Mountain America Credit Union so my credit score can be repaired and corrected before my new loan closes.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Please reference complaint # XXXX I complained about this item reporting on my credit. Company stated it was not showing on report any more and they would send me a credit report showing that. However, its still showing the child support item on my Experian account online eventhough Experian stated its not on my credit help me please XXXX
Consumer complaint received 2021-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

This is a follow-up to a prior report on overdraft fees generated by Citizens Bank 's failure to credit my account with a {$3000.00} credit to an affiliated account. The bank was made aware in early XXXX of the issue of a vendor refunding me {$3000.00} to an account that had been charged off, and has been promises ever since to track down the money and issue me a check. I experienced three broken promises from the local branch to issue me a check and have it to me by the following week, all through XXXX and early XXXX. Their failure to send it -- once due to a " computer glitch, '' other times due to never having gotten around to it, caused me to generate over {$1000.00} in overdraft charges. 

Last Friday, I received a call from the office of the chairman with an attempt to rectify the problem with a refund of roughly 1/4 of the overdraft charges and a commitment to track down the status of my {$3000.00} and get me an update " within two business days. '' One week later, I have received no update, no check, and no returned calls after leaving two voicemails. Meanwhile, my funds are dwindling once again, and the situation feels specifically like the bank is continuing to intentionally slow-walk and withhold resolution to returning my money in order to cause me to generate further overdraft fees. This is theft, plain and simple. It does not take two months to track down and return a credit made to the wrong account. This is negligence at best and possibly criminal, and certainly predatory.
Consumer complaint received 2021-07-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am a victim of identity theft fraudulent information listed below is showing on my credit report file but it is not mind. I am officially disputing the fraudulent information and want an immediate investigation. Please remove the fraudulent information immediately from my file.
Consumer complaint received 2021-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

My student loan payments have started on XX/XX/05. I was " counseled '' by XXXX back then to put my loans into deferment/forbearance for years until I could find a job. Not only find a job, but one where I could afford the hefty monthly payments. After my initial deferment expired I was forced to go into forbearance. Unknown to me then was that the capitalized interest was running the entire time, which was not explained to me clearly over the phone. Then came the switch to sallie mae, which also did not explain the situation clearly. Then, with the switch to Navient I finally signed up with an Income Based Repayment Plan ( IBR ). Given my low paying jobs I was forced to either send my loan back into forbearance and rack up interest or my loan payment was calculated as {$0.00} given my low wages, which also incurred interest. So, in essence my IBR and a normal forbearance are one and the same, as far as interest goes. The final straw was when I was recently reviewing my loans. I wanted to see the progress I had made with the no interest the past 18 months. Only to find out my FEDERAL LOANS are not owned by the dept of education, thus I was charged interest through the covid-19 pandemic. This company, Navient, is criminal. They explain nothing. I made major decisions, including signing with XXXX at XXXX years old, without any information or explanation. I wish to receive some relief with all this interest i've paid since 2005. On a {$21000.00} loan and 15.5 years later i'm just at {$14000.00}. And that is with my company paying {$100.00} extra a month for student loan relief. Absurd!