davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-18
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: JPMORGAN CHASE & CO. (AZ)

I applied fo r a Chase  XXXX  Card and was denied for " Delinquency or other derogatory relationship with our bank ''. When I called in to find out why, I was told I had a C harge off from  2010 on a Chase Slate for {$4000 .00} something attached to my account.   I never had any chase account i n 2010 let  alone a charge off.   I check my   XXXX   report for this and there was nothing listed so is this a banking side issue or a credit report issue?   When the rep looked it up he said it wasnt mine. I said ok, so how do I remove this from my account. He transfered me to recovery but it was already to late   in the day and no one from that department was working. So I called this morning and the rep said to wait 7-10 business days to call back, no mention of fixing the problem or anything.
Because of this issue I get auto denied for any credit card I apply for.
Please help me remove this from my account Letter refer  ence number #  XXXX
Consumer complaint received 2017-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Navient has provided false information about my student loans stating they will waive interest and late fees by putting my loan in forbearance. My loan has accumulated interest and late fees. I keep getting numerous calls ( 3-5 a day ) When I speak with a Navient Representative they state they will fix the issue but they never do. I am currently not working a lot due to an injury at work and do not have the funds.
Consumer complaint received 2017-05-18
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: CITIBANK, N.A. (OH)

XXXX   XXXX   XXXX   client  XXXX   XXXX   XXXX  is a victim of identity theft. Her information was used without her consent to attempt to establish several credit accounts with various creditors. Attempts were made to dispute the fraudulent inquiries made into her credit as outlined under the FCRA however  XXXX  (  XXXX  ) of these creditor banks have failed to remove the inquiries from her credit reports  (  which is a violation of the law ).  XXXX    XXXX   XXXX   , CitiBank NA a nd  XXXX   XXXX  have each been notified of this fraudulent data and is some cases the bank was notified in writing twice. Each time was done certified mail with return receipt. The most recent credit reports obtained  XXXX / XXXX / 2017  those inquiries are still being reported.
Consumer complaint received 2017-05-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Halsted Financial Services, LLC. (NC)

This company is calling my family and sharing information about the debt with them. My mother answered the phone and they asked for me and she told them that she was my mother and they proceeded to give them the amount of the debt, the original debtor and asked how she would like to pay for this. She told them again that she was my mother and he asked if she would like to help her daughter out and pay this debt. My debt is my business, not my mothers.
Consumer complaint received 2017-05-18
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. (FL)

I have disputed  XXXX  public records that are showing in error on my credit report. I have sent certified letters requesting that they validate it and provide proof of who and what they have that verified the information. They are verifying through a 3rd party agency, not the original creditor. I have already spoke with the original creditor and they have verified that the credit bureau has not contacted them, and that they could n't provide the verification to them anyway by law. However even after submitting this information and requesting validation again, the credit bureau has continued to just send me notices saying that it 's been validated.
Consumer complaint received 2017-05-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc. (MS)

I received several flyers in the mail from these people and a number of phone calls inviting me to apply for loan if I ever saw the need arise .. . s    XXXX   XXXX   XXXX     borrowed  XXXX  from Tower Loans to pay income tax ... was told there would be no early pay-off interest/penalty should I decide to pay it off early ... the terms were  XXXX  for 26 months ... 30 days later I paid the account off in full ... today I received a notice I still owed  XXXX  in interest for using their money for 30 days ... or 35 % ... nothing of such was disclosed during the signing of these loan documents ... these people are rip-off  artist  ... it is a good thing I did n't spread this out over the entire 26 months I would have paid additional thousands in undeclared interest ...
Consumer complaint received 2017-05-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (MD)

This is now the third complaint I have sent to CFPB after  Ditech.      For the same reason, there seems to be a concentrated effort to relay contradictory or false information to us. Today is   XXXX   XXXX   XXXX    , and we just got off the phone with them. On Friday,   XXXX   XXXX  ,  Ditech left  a door hanger saying call this number for important info regarding the loan. So we called. No answer and no response to calls and voicemails left on Monday the  XXXX . Friday we called. We spoke to an  XXXX , who was finally able to confirm they did receive loan mod docs but it was rejected. She said THEY NEVER RECEIVED ANY COMMUNICATION FROM  US  about a settlement offer. Which we have sent them multiple times! We even sent CFPB a copy the last time I issued a complaint. This is very stressful and to hear they have not received documents which they confirmed they have already received in the past is so frustrating for our family. We are truly doing our best to resolve this issue with  Ditech. Ditech k eeps changing the documents they received vs what did not receive. What can I do to get some consistency from the correspondence from them? This is a dire situation for our family and we are scared our homes. We are doing our best to comply wit h Ditech but  they keep losing our information.
Consumer complaint received 2023-05-08
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: CORELOGIC INC (NJ)

XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, NJ XXXX XXXX There are old items on my report that I demand you remove at once in order to comply with the 15 U.S. Code $ 1681c-2 and 15 U.S Code 1681b. 

XXXX  XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reported negatively on my report. 

XXXX  XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reported negatively on my report. 

XXXX XXXX - This is paid as agreed and should not be reported negatively on my report. 


Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX - XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The personal data reporting is inaccurate. 

XXXX XXXX - XXXX - XXXX term that is being reported is reporting inaccurately - This was paid as agreed and should not be reporting a charge-off on my report at all. 

XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reported. 

XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry was not authorized - The following inquiry was not authorized and should not be reported. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reported. 

XXXX XXXX XXXX XXXX XXXX  This inquiry was not authorized - The following inquiry was not authorized and should not be reported. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro-consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these accounts listed IMMEDIATELY.
Consumer complaint received 2017-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CO)

I have been a victim of identity theft since at least   X/XX/2017 . I fil ed an initial fraud alert with Experian and they forwarded it to  XXXX  and  XXXX . I received confirmations from Experian ( dated   X/XX/2107  )  and   XXXX  (  dated   X/XX/2017  ) .     Per best practices, I need to review all  XXXX  credit reports for fraudulent activity to correct it as well as to inform the investigating police agency ( The   XXXX   XXXX    [    XXXX   XXXX     XXXX    ] Police Department ) Experian 's information notes " An initial fraud alert entitles you to a copy of all the information in your file at each of the   XXXX   nationwide agencies ... ''.   However, I 've tried the various phone tree options on each of the phone numbers given in the confirmation s (   XXXX ,  XXXX ,  XXXX  ) as well as that of   XXXX   XXXX   XXXX   (  XXXX  ).     No matter which combination I tried, I ended up in the automated phone system to request the standard credit report. Even when I pursued this option it failed because it could not confirm my identity. In another case, because the system hung up on -- selling me -- my  credit score and  would not go on. At no point was I given an option to speak to a human being.     I was repeated referred to  XXXX  and finally tried that. There was no option to request the extra credit report that I am hypothetically entitled to as a victim of identity theft. My attempt to order my   XXXX   credit report failed because I had already requested it once it the last year. My attempt ( on   XXXX   ) to order a second report ( Experian I believe ) failed because my eyes are no longer good enough to pass most Ca ptchas particularly those with ragged text on multi-colored backgrounds and those asking one to click on the pictures that have X ( cars, traffic signs, boats ) in  them.
Consumer complaint received 2023-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated on my credit file XXXX XXXX Balance : {$21000.00}
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

Filed 2 claims with BOFA, CHARGES 1 FOR XXXX 1 FOR XXXX, that I used to pay a contractor, ( 2 separate CC 's ) Work was totally unacceptable. I PROVIDED THEM PICTURES AND ORIGINAL ESTIMATE STATING TYPE OF WORK. 

Their response was they needed proof of what work was done ... ..they had the document showing this and rejected the claim. 

This is not backing up your policy of crediting back your funds until resolved. 

Attached doc shows payments to company involved. Charges occurred on XX/XX/24 and XX/XX/24. 

I will also try to upload pictures
Consumer complaint received 2024-10-07
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (IN)

Sallie Mae called my former fiance, who I have had no ties to for over XXXX years, my best friend, my mother and my XXXX XXXX XXXX  and left messages regarding " my name '' and an important business matter '', saying they haven't been able to reach me. These people are not co-signers on my loan. Further, they call me up to XXXX times a day. I am working with a debt consolidation program and informed them of that but the calls have continued. Contacting these people, aside from me, began on XX/XX/24. I feel this is a huge violation of my privacy and rights.
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NE)

This company is still putting on fraudulent information into my locked, Frozen and fraud alerted credit files. The credit bureaus delete it for not relating to me and these people go in and reinsert it again. They're not verifying anything and then they threaten and attempt legal action against a vulnerable individual without so much is even attempting to verify anything. These accounts are fraudulent. They were a result of identity theft. How hard is it to verify my proof of residence where I have lived for the last 5 years? Instead they add fraudulent phone numbers, fraudulent addresses in fraudulent accounts to my credit files that I have to dispute over and over and over again.
Consumer complaint received 2024-11-10
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. (AZ)

I received an email from XXXX XXXX last night and again this morning stating : A new inquiry was just added to your XXXX credit report. This could affect your score, but the change will make less of an impact over time. If you didn't give anyone permission to check your credit, then you can file a dispute with the credit bureau. 

Last night, I checked XXXX XXXX and saw a hard inquiry on my XXXX report for CBNA dated XX/XX/XXXX. I did not apply for any credit with CBNA. I was unable to reach a representative with CBNA last night so I called XXXX this morning and was advised to file a report with the FTC. Before filing this report, I reached out to CBNA. They said they would cancel the application and remove the inquiry from my credit report. They also suggested that I call XXXX back and request a credit freeze.
Consumer complaint received 2024-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (MI)

I have asked NFCU for a list of which transactions have been placed manually on my checking debit and visa credit account over a dozen times. They appear to be having difficulty understanding the question. I would very much like to include them in my police reports, at the moment, if I do not receive them within a day, I will only be able to include their various responses.
Consumer complaint received 2024-10-10
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: EQUIFAX, INC. (CA)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hi- I have a Kohl 's card. I received an email from Kohl's/Capitol One stating that I needed to activate my new card. I have not requested a new card-they said it was a Visa card ( which I have not yet received either ). 

My issue is that I did not apply for, nor do I want a new Visa Card. 
They stated my Kohl 's card was " upgraded '' I called to complain, then they told me that I couldn't close this account until I received my new card. I kept insisting they close this account as I did not apply for a Visa card, nor had I received the new card.They finally agreed to close the account. 
This is complete fraud in my opinion, stating I have a new Visa card without applying for it. 
I am XXXX years old, perhaps it is elder abuse as well. Companies should not be allowed to falsify applications for Visa cards for people that have not applied for them. 

Thank you, XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Stellantis Financial Services US Corp. (GA)

Direct violation of FCRA by reporting inaccurately to Credit reporting agency. Account listed as Charge off/Written off and reflecting as amount owed when being converted to income with IRS by being written off. No forms have been delivered to me.
Consumer complaint received 2024-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: HUNTINGTON NATIONAL BANK, THE (MI)

In XX/XX/year> I was asked to provide hazard insurance verification for XX/XX/year> to XX/XX/year>. I requested my hazard insurance company to provide the documentation for this period. They determined no insurance was inforce during this period. Huntington Mortgage placed " lender provide coverage '' effective XX/XX/year> to XX/XX/year>. An escrow account was established to collect the premium of {$58.00} for this period. A letter stating the cancellation date of XX/XX/year> was sent to me by Huntington Mortgage.. 
My mortgage statement due XX/XX/year> increased {$70.00} and not {$58.00}. Huntington Mortgage had created an escrow account to collect and entire 12 month period of lender placed insurance rather than the insurance cost for the 15 day period of originally required. I have spoken with fourteen Huntington Mortgage personnel in the customer service, the insurance unit, and the escrow department over the last five months requesting the correction of Huntington Mortgage 's oversight without successfully concluding this issue.
Consumer complaint received 2024-10-05
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: EQUIFAX, INC. (MD)

Today, I discovered unauthorized inquiries on my credit report, and I have no clue why. I check my report regularly, but these discrepancies appeared suddenly. I tried refreshing my browser, thinking it was a glitch, but the problem persisted. I am beyond frustrated and request a thorough review of the documents I sent so I can finally have peace of mind.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

This creditor has violated my rights based on the FCRA laws. 

The congressional findings of the fair credit reporting act states that the consumer, me in this situation, has a right to privacy. My privacy has been eroded and severe burden has been placed on me and my family. 

It also states that a consumer reporting agency may only furnish a consumer report with my written instructions. I have provided no such written instructions. 

I believe this to be willful noncompliance at this point.
Consumer complaint received 2024-10-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Mr. Cooper Group Inc. (AL)

The appraisal on my home was valued significantly lower than what my home was truly worth. We talked about the comps being close to $ XXXX and potentially what it could be approved for based on the surrounding homes and their value. The comp that was used to complete my appraisal was from XXXX .. of course those prices would be lower than that current year we were in. During this process while asking for clarification and better explanations, I was ignored. Mr. Cooper misrepresented what what could do for me and then claimed they had no say so in the appraisal process. As a young, XXXX American home owner, Ive seen this a lot and refuse to let it happen to me. My realtor was walking me through all of the steps. The appraiser was cold, and literally was in and out in XXXX min XXXX secs
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates i sent a letter to reinvestigate these accounts listed below because ( collection ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ( collection ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ( collection ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ( collection ) XXXX XXXX XXXXXXXX XXXX XXXX  XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate