davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I don't know where you got the following items. They shouldn't even be appearing on my file, from what I know ( and I keep good track of my bills! ) Please delete the account below : XXXX XXXX XXXX
Consumer complaint received 2018-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

All of my student loans are being serviced by Navient since XXXX/XXXX/XXXX. Upon receiving my current XXXX XXXX tax form showing how much interest was paid in XXXX, I was alarmed when the amount was quite large. Much Larger than the amount paid towards my principal. So I went into my account and looked at how my payments were being allocated and there is a huge discrepancy in how much is going toward interest compared to principal. I used the interest accrual calculator on Navient 's website to see how much interest is accruing over a 31 day span and the calculated amount for all of my loans is {$340.00}. My current monthly payment amount on the IBR plan is {$580.00}. Below is how my payments have been broken down - only typed some of the months to give you an idea ( I will attach documents showing all months ) -- they have been broken down like this for as far back as I can check now that I have looked. 

XXXX/XXXX/XXXX : Principal - {$82.00} Interest - {$500.00} XXXX/XXXX/XXXX : Principal- {$65.00} Interest - {$520.00} XXXX/XXXX/XXXX : Principal- {$52.00} Interest- {$530.00} XXXX/XXXX/XXXX : Principal- {$51.00} Interest- {$530.00} XXXX/XXXX/XXXX : Principal- {$51.00} Interest- {$530.00} XXXX/XXXX/XXXX : Principal- {$53.00} Interest- {$530.00} I am not sure what to do here and if this is correct or highway robbery. I make a decent living but I will never be able to pay these loans off if this is the way they allocate my hard earned money. 

We do n't get to choose who services our loans when we get out of college and you would think that government agencies would regulate these companies to make sure that those who work hard and pay their bills get some sort of piece of mind. I work hard and do n't have time to keep track of how Navient should be doing their job legally and ethically. Please help me with this issue and help me to make sure the money that was n't allocated correctly goes back to my principal and future money is allocated properly. 
I also make too much money to write off my student loan interest on my taxes so I am at a loss of over {$5000.00} a year while my loan amount has only gone down {$400.00}! I should not be paying {$5900.00} in total payments XXXX, of which {$5500.00} went straight to interest.
Consumer complaint received 2018-01-14
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. (PA)

I opened a student loan in XXXX 2010 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$4100.00}?
Consumer complaint received 2018-04-17
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: FIRST NATIONAL BANK OF OMAHA (OH)

NOTE : This is a CHALLENGE as I am NOT DISPUTING. 
I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim. 
Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. 
The items attached are non-compliant as per the FCRA and CROA requirements!
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (DE)

I placed an dispute on XX/XX/XXXX asking for an verification of the dispute on XX/XX/XXXX which was on a Sunday. Then on Tuesday XX/XX/XXXX I receive an email stating dispute was completed except when I tried to contact them at XXXX it would not allow me to speak with a live representative. So how did the verify anything with no documentation
Consumer complaint received 2018-01-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BARCLAYS BANK DELAWARE (FL)

XXXX XXXX discharged this debt almost 10 years ago and I periodically get these notices from XXXX XXXX requesting money. Who is this money going to go to since it has been erased by the credit card company. The XXXX is predatory and is untruthful stating this is still owed.The amount is for {$35000.00}. I am not paying this as it was not owed to XXXX. They are being predatory and are sending me collection letters 10 years after absolution of the debt. They intimate that they will ruin my future if this is not paid. It is threatening and predatory to state this.
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (FL)

re : acct # : XXXX. 
The XXXX  XXXX promotion was make {$1000.00} worth of purchases in 90 days and receive a {$200.00} bonus. I applied for, received and activated the promotional credit card shortly before our first purchase on XX/XX/year>. By XX/XX/year>, a few days later, I completed the {$1000.00} purchase requirement. I called Bread customer support several times before the 90 days was up and was told everything was on track to get the bonus. When I didn't receive the bonus by the end of XXXX, I called and was told I didn't qualify. Asked why, even though I had been told several times I did qualify, and was read what sounded like a canned, complicated reply. After getting that response, I said i didn't want to do business with a company that couldn't be trusted and closed the account. Even though the account is now closed, they still owe me that {$200.00} promotional amount. And, ironically, by closing the account, i lost the cashback rewards i had accumulated, approx. {$20.00}.
Consumer complaint received 2023-08-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (LA)

My wife and I have been facing financial hardships since my loss of employment in XXXX of XXXX and myself having mental health problems, which I was placed in a behavioral hospital for being unstable risk to myself. 

We have been in contact with the company since XXXX when we submitted a hardship packet. 
One of the representatives a month later, informed us that additional documents were needed. Promptly, on XX/XX/XXXX, we provided all the requested documents to support our case. However, despite submitting the necessary paperwork, we received no response from them for a considerable duration. This silence caused significant distress and XXXX for my family. 

During this difficult period, we attempted to refinance to alleviate some of our financial burdens, but our efforts were in vain. It came to our attention that in our consumer reports the mortgage company had affected our ability to secure refinancing. Upon investigating our consumer reports, we found discrepancies in the reported balance and realized that the forbearances were inaccurately reflecting past due for the times my wife and I contracted XXXX, with me even being hospitalized during the XXXX variant outbreak. 

In response to these discrepancies, I sent a certified letter requesting verification of the assumed outstanding amount. Yet again, no response was provided for a staggering 90 days, exacerbating our financial distress. Regrettably, the situation has now escalated to the point where we have received a property seizure notice from the sheriff 's office with a sale date of XX/XX/XXXX. 

This entire ordeal has been nothing short of a nightmare for us. We feel that our consumer rights have been blatantly violated, especially as an XXXX American couple. We firmly believe that the federal laws have been broken in the pursuit of seizing our home, leaving us in a state of profound despair. 

I implore you to urgently address this matter and provide a comprehensive explanation for the prolonged silence and lack of response on their part. 

Our family 's well-being and financial stability are at stake, and we hope that you understand the gravity of this situation. We request that you investigate the mishandling of our case, rectify the errors on our consumer reports, and cease any further actions against us until this matter is appropriately resolved.
Consumer complaint received 2018-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (SC)

On XX/XX/XXXX I notified TD Bank escrow department that there was a duplicate insurance payment and they would receive a check for XXXX from the insurance company. I requsted the escrow accont be revised and a refund for overpayment. On XX/XX/XXXX I sent a fax requesting the refund as I had not received the funds. On XX/XX/XXXX my escrow account shows a disbursement for XXXX however it has been 2 weeks and I have not received the funds. In addition, I spoke with XXXX XXXX, customer experience Advocate regarding this situation. She assured me a check had been issued and due to the previous problem with my tax payment, and the delay in refunding the suplus in the escrow fund, TD agreed to refund the remaining escrow funds of XXXX and discontinue all escrow. That refund has not occurred. I respectfully request my surplus funds ASAP. 

If I do not receive the funds in a timely manner, I request interest be paid to me.
Consumer complaint received 2018-01-16
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. (MS)

This issue that i am have is that XXXX XXXX has a Bankruptcy on my credit file dated for XXXX XXXX 2014. to my knowledge i have never filed a BK. I have sent letter and file dispute with this company and each and every time the item has come back a verity. Since this item as come back and been verify i have even went as far as sending a letter to the US Bankruptcy Court Of XXXX ask them do please state how they verify item to the credit bureaus, the answer that received back was that they do not verify anything to the bureaus. I sent this documentation along with my request to this agency and this item as come back verify and which this item can not be verify because of the fact that us bankrupt court does not verify
Consumer complaint received 2018-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (GA)

In XX/XX/XXXX I received an offer from American Express and Delta that if I obtained the gold delta skymiles credit card and use {$3000.00} dollars in the first three months I would receive XXXX miles. I got the card on XX/XX/XXXX and started to use it. By XX/XX/XXXX I had completed the {$3000.00} dollars. I called soon after as I had not gotten the miles and they explained that it would take 6-8 weeks. After 8 weeks I called and they said it was going to be 10 weeks ( the maximum in the contract I got with the credit card ). Last time I called was XX/XX/XXXX ( more than 10 weeks after ) and they said the would open an investigation and to call delta. So I called delta and they said basically to talk to AMEX. It is now 6 months since the card opened, and 4 months after the requirement met and I have not yet been contacted or received the miles. I chatted with the people in AMEX and they said the investigation is open. I got this credit card because I planned traveling for XX/XX/XXXX, which was cancelled due to the lack of miles. Now we are in need of another trip in XX/XX/XXXX, and the tickets are extremely expensive and will leave me with little money. The company has breached contract and will offer no type of compensation. Their responses have been vague and not satisfactory.
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This is in response to the text messages I have received from you. As it is my right under the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you immediately cease and desist all communication with me, my friends and members of my family immediately. 

Any further contact by your company other than a letter stating what specific action you intend to take will be in violation of my rights according to FDCPA, and I will issue a complaint with the Attorney General 's office.
Consumer complaint received 2018-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OK)

On XX/XX/2018 XXXX XXXX XXXX started calling me and my family members. I answered his call today and they informed me my navient loans had gone to a collection agency. Apparently navient sold my loans to a company named XXXX and did not tell me nor did the company XXXX. So without any notice we did not know we had payments to XXXX because the navient website says XXXX balance. We received nothing in the mail or email and the harassment from the XXXX XXXX XXXX began. We would like to join the class action lawsuit against navient for illegal practices and damage to our credit, or they face consequences for their actions. The total of the loans are approximately {$400000.00}. We finally have setup a payment plan with XXXX XXXX XXXX.
Consumer complaint received 2018-01-16
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (IL)

Financial Institute : XXXX XXXX XXXX ( hereinafter XXXX ) Issue : Contacted third parties without consumer 's direct consent - in violation of the Fair Debt Collection Practices Act, 15, U.S.C. subsection 1692, Communication in Connection with Debt Collection ( b ) Description of matter : 1. Primary Compliant : XXXX has, as set out in the below circumstances, directly violated the Fair Debt Collection Practices Act, 15, U.S.C. subsection 1692, Communication in Connection with Debt Collection ( b ), wherein it expressly states that without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. [ Emphasis added ] a. There has been no permission of court, nor postjudgement, that permits a 3rd party to the consumer to be contacted b. Third parties contacted were not the consumers attorney or any other party permitted within the Fair Debt Collection Practices Act to be contacted. 
c. Consumer did not provide prior consent directly to the debt collector to contact 3rd parties XXXX contacted multiple relatives of the consumer without the consumer 's direct consent Relatives included Uncle and Mother / Father residing at separate addresses from each other and consumer Mother and Uncle contacted separately but on the same day ( XXXX XXXX, 2018 ) Both Mother and Uncle are unwell / ill and contact caused unnecessary strain on relatives health XXXX disclosed to Mother what issue was about ( i.e. debt collection ) ; again, without direct consent from consumer. 
Such disclosure was effectively disclosure of the consumer 's private information to a third party While dates of previous calls have not been recorded, this was not the first time XXXX has contacted relatives of the consumer without the consumer 's direct consent. 
Consumer has tried multiple times to contact XXXX to advise that further contact with relatives should not, under any circumstances, be made. Each time consumer either can not get a hold of XXXX, is placed on hold or transferred from department to department. 
However, in accordance with the Fair Debt Collection Practices Act, the consumer is not required to request XXXX to cease and desist in respect of contacting 3rd parties as the law clearly sets out that XXXX required the consumers prior consent, which it did not have. 
Consumer reserves all rights to pursue any further action permitted under the Fair Debt Collection Practices Act and / or Civil action. 

2. Secondary Compliant : XXXX has exceeded reasonable contact methods and is outright harassing the consumer.
Consumer complaint received 2023-08-10
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (NC)

Midland Credit Management are illegally reporting derogatory information regarding an apartment collection in the amount of {$550.00} on my credit report without any legal or proper authorization. I have never signed or authorized any contracts, agreements, or applications with Midland Credit Management, nor have I provided any form of identification that would permit them to legally report such information. Despite many requests, Midland Credit Management has failed to provide a copy of any signed documents, including a wet-ink signature, that would validate their claims. Their inability to produce such proof raises serious doubts about the legitimacy of their actions and the validity of their reporting. It is clear that this is not a legitimate credit transaction with this third-party agency. 
In light of their violations, I am not only disputing this inaccurate reporting but will also be filing additional federal and state complaints against Midland Credit Management. Furthermore, I demand proof of my identity, as I have never given this agency any form of authorization to access or report my personal information. Their actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates a permissible purpose for the sharing or reporting of such information. Midland Credit Management failure to adhere to these legal standards has significantly damaged my credit standing, and I expect immediate corrective action. I hereby request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and ensure the removal of this unlawful derogatory information from my credit report.