davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-04
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (FL)

You stated on my last compliant that this loan was charged off. " Previously serviced your Private Tuition Answer Loan, which charged off due to non-payment in XX/XX/2010. '' But yet it still reflects as you trying to collect on mt student loan page and credit report. This loan was charged off over 7 years ago. Its but 14 years. This exceeds the Statue of limitations for reporting and is to be removed all together. You have failed to do so.
Consumer complaint received 2024-01-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (AZ)

Velocity LLC purchased a debt and did not properly notify me of the debt. I never received a debt validation letter, phone call, mail, or email in regard to the alleged debt owed. Velocity LLC then hired XXXX XXXX XXXXXXXX XXXX and field a lawsuit against me, without ever notifying me of the debt owed, the amount, or who they purchased the debt from. After having to research MYSELF who the original creditor was, I found that Velocity LLC violated the arbitration agreement that states we BOTH waive our rights to court proceedings and ANY DISPUTE would be handled privately in arbitration. I was never notified that I had the right as a consumer to dispute the debt before having a lawsuit against me.
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-02-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION (MI)

2023 I paid more than required yearly for my car payment. I ask the company to provide me with the balance they say that I owe and dates. The information they provide was not aligned with my statements from my bank account. I feel there is discrepancies in there billing practices.
Consumer complaint received 2024-06-10
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. (PA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLIANT CREDIT UNION (KY)

Somehow my account was used to transfer around {$4000.00} in unauthorized XXXX transactions. 
The credit union sent me messages and I responded that it was fraud but instead of shutting my card down, They continued to allow it to happen. 

They did an " investigation '' for 2 days and denied my claim. 
They didn't look into the fact that it wasn't my XXXX that was used. 
I even tried to mail in copies of the texts to them but got no response. 

These texts are included in this complaint and prove that these transactions were unauthorized. 
It has been 10 bussniess days since I submitted the information and alliant also refuses to provide provisional credit.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I am writing to bring to your attention a concerning issue regarding the privacy notices and opt-out statements provided by XXXX XXXX , as a data furnisher to Experian. It has come to my attention that XXXX XXXX may be in violation of regulations requiring financial institutions to provide privacy of consumer financial information policy notices in writing to customers both initially and annually in writing, as mandated by federal laws and regulations. 

As per regulatory requirements, financial institutions such as XXXX XXXX are obligated to provide privacy policy notices to customers initially and annually in writing. These notices must detail the institution 's policies regarding the collection, sharing, and protection of customers ' non-public personal information ( NPI ). Additionally, customers must be provided with clear instructions on how to opt out of certain information-sharing practices. 

It appears that XXXX XXXX may not be fully complying with these rules, which are designed to protect consumers ' privacy rights. Specifically, I have not received privacy policy notices in writing from XXXX XXXX as required, nor have I been provided with an opportunity to opt out of certain information-sharing practices. 

According to federal regulations, XXXX includes any information collected from customers in the course of applying for financial products or services, as well as information obtained from transactions involving financial products or services. Therefore, if XXXX XXXX collects sensitive information such as name, address, Social Security number, or other personal details from customers, they are required to provide annual privacy notices in writing for the duration of the customer relationship. 

I demand that Experian investigate this matter thoroughly and take appropriate action to ensure compliance with federal regulations regarding the privacy of consumer financial information. Specifically, I request that Experian hold XXXX XXXX accountable for any violations and require them to provide me with the necessary privacy policy notices and opt-out statements as mandated by law. 

Furthermore, I urge Experian to implement measures to prevent similar violations from occurring in the future and to ensure that all data furnishers adhere to their obligations under federal laws and regulations. 

Please provide me with a written response detailing the steps Experian will take to address this dispute and ensure compliance with privacy regulations. Your prompt attention to this matter is greatly appreciated.
Consumer complaint received 2024-02-01
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CREDIT ACCEPTANCE CORPORATION (DE)

I am filing a second complaint regarding my initial complaint and disappointment with how my issues are all being dismissed. I appreciate your attention to this matter, but there are crucial issues that remain unaddressed : 1. Payment Confusion and Cancellation : - My initial payment of {$880.00}, intended for the release of my car, was reportedly missing from your records. This led to my decision to cancel the subsequent payment scheduled for XX/XX/XXXX, to avoid the risk of additional lost payments. The XX/XX/XXXX payment was intended as an additional payment but due to the ongoing issue of the previous missing payment, I canceled the payment scheduled for XX/XX/XXXX until the {$880.00} payment was found and resolved. 

2. Car Condition Post-Repossession : - Prior to repossession, a diagnostic report dated XX/XX/2024, confirmed my car was free of any issues. However, upon its return, I discovered multiple new problems, indicated by eight different error codes. 
- The conflicting information about the safety of driving my car, ranging from being deemed unsafe even in a parking lot to suddenly being cleared for pickup without explanation, is alarming and confusing. The lack of paperwork or explanation regarding these sudden issues is unacceptable.

3. Missing Property and Damage : - Upon retrieval of my vehicle, I noticed missing personal property and the new diagnostic errors. These discrepancies raise serious concerns about the handling of my car during its repossession.

4. Financial and Emotional Strain : - I acknowledge the repossession occurred due to my financial difficulties. However, the damages to my car, the loss of my property, and the inconsistent communication have only exacerbated my situation.

- I am now faced with the dual burden of high monthly payments and additional repair costs for damages incurred during the repossession process. 
- I feel there is a discriminatory element in this process, targeting individuals in challenging financial situations, potentially leading to further financial strain and disadvantage. 

In light of these issues, I request a thorough investigation into the handling of my car 's repossession and an explanation for the damages and missing property. I also seek a resolution for the financial and emotional distress caused by these events. 

Attached are the diagnostic reports from XX/XX/XXXX and post-recovery, highlighting the discrepancies in the car 's condition. 

I look forward to your prompt and constructive response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Onity Group Inc. (TN)

Received Newrez Mortgage assistance offer, trial approval documents XX/XX/XXXXXXXX  with the amount of the trial 3 payments. Trial payments were made on the due date but I received foreclosure letter from foreclosure lawyer saying my house would be foreclosed on XX/XX/XXXX. I'm a XXXX  citizen I don't want to lose my home.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

i sent the XXXX XXXX letters on XXXX, disputing the inaccurate and incomplete accounts they are reporting on my credit report. 15 usc 1681e ( b ) states that all information has to be 100 % accurate and complete before reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ATTACHED A COPY BELOW FOR YOUR REFERENCE
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I received a copy of my credit report and found the following item ( s ) to be in error : XXXX XXXX XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/23 at XXXX, a call was made to Chase bank requesting a transfer of money from one of my checking accounts to another. This person ( s ) had stolen my purse and phone. They called and requested money switched into one account. Then proceeded to unlawfully use my cards at XXXX, XXXX, on 3 charges using these debit cards. One of the charges was declined for some reason. They were able to charge the two. Chase had sent out confirmations that I was using my card. The criminals had my phone and somehow were able to use it even though I had a passcode lock. They answered these text or email confirmations. ( I think text but I am not 100 % sure ) Chase bank has denied my claim twice already, stating that I didn't provide enough information and that they are not allowed to do any criminal investigation on their end. They denied my claim also stating that my phone should have been passcode locked, which it was. I have no way of knowing how they got into my car and unlock my phone. So I feel Chase needs to update their protocols on why they deny claims. Technology has advanced. Criminals have ways of getting past code locks on phones as well as cars from what the XXXX XXXX XXXX has told me. I also asked the Detective to request surveillance footage though both dept stores were unable to help. I have an issue with Chase as they have also denied any further review of this situation in order to reopen this claim, and they state that its been past the 30 day claim reopening window. Which I think its not lawful and just a rule created to save them money.In my possession, I have a record of all fraudulent charges, including the ones on my XXXX XXXX, and fidelity credit cards, as well as the ones on my Chase debit cards. I have a date and time stamped parking lot ticket from the day in XXXX XXXX parking lot, as well as all of the records of the charges, the police report filed that shows my XXXX was stolen along with all debit and credit cards, I have a receipt that shows a new phone at XXXX was purchased to replace the stolen phone.
Consumer complaint received 2024-02-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: FIRST HORIZON BANK (PA)

Have a HELOC with a balance under {$1200.00}. Would like a payoff figure but that requires paying a {$35.00} fee! " Customer service '' is just an automated response.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am formally submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These collection account should be deleted as a confirm of derogatory nor negative in my credit file. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these fraudulent collection account : XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$270.00}.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Experian Dispute Center, I have recently discovered that I have been the victim of Identity theft in which such person [ s ] used my credit multiple times over the years. It wasnt very much money at first, thats probably why it was never noticed, but here recently I have been trying to purchase a home which has caused myself to start looking at my credit report more closely. In XX/XX/XXXX- I discovered that the following Accounts have been opened Fraudulently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These are all the accounts from Experian that have cross referenced with the Federal Identity Theft Report!

*NOTICE : Not All of the Accounts that are on the Identity Theft Report are Recorded on My Experian Report, just the Seven ( 7 ) Accounts listed above! ~ Hard Inquiries are NOT a Factor in this case, nor have any Relevance.

***Experian has partially complied already, by deleting some of the fraudulent accounts on a prior complaint, but there's still 7 accounts vandalizing my Credit Report.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (WA)

The servicing of our mortgage loan was transferred as of XX/XX/2024. We received a letter from the previous servicer stating that our mortgage servicing was being transferred and that if we wanted to make a payment, we could do so by sending the payment on or after XX/XX/XXXX  to Shellpoint Mortgage Servicing, Payment Processing, XXXX XXXX XXXX, XXXX, TX XXXX with a phone number of ( XXXX ) XXXX. There is no way that I am sending a payment to this company without a coupon or even a loan number. I tried to call the phone number that was on the letter, but you need a loan number to even talk to a real person. If you have no loan number, the phone just hangs up. In addition, I signed up on their website, and again, could not make a payment because I don't have my new loan number. So, then I called the prior mortgage company, XXXX XXXX  at ( XXXX ) XXXX to ask how I can make my XXXX payment. They did not have an answer for me. They told me that I should have received a letter from Shellpoint by now and when I told them that I had not received anything from Shellpoint, they said I should just wait a couple of weeks to see if I get my letter. I asked what I should do if I didn't get a letter and the woman told me that she didn't know because Movement Mortgage would not have the information and therefore, could not help me. She also told me that any late charges would be waived with Shellpoint for the next 60 days, but I know that each day after XXXX that the payment isn't made will accrue more interest. The transfer of this loan and particularly the lack of communication/customer service from the new company is unacceptable. I need my new loan number as soon as possible.
Consumer complaint received 2024-02-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (TX)

Reached out to NCB Management starting XXXX XXXX-current requesting validation of debt. Company responded with partial of items that were requested. Company is unable to provide signed contract between debt collector and original creditor showing proof that company is an affiliate and not a 3 party. As provided in NCB management privacy policy " We are the sole owners of the information collected on this site. We only have access to/collect information that you voluntarily give us via email or other direct contact from you. We will not sell or rent this information to anyone. 
We will use your information to respond to you, regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request. '' Said company is in violation of their OWN privacy policy as they are sharing inaccurate information to XXXX, XXXX XXXX XXXX. Company also has information I did not voluntarily provide.
Consumer complaint received 2024-02-01
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Carchoice of Memphis, Inc. (TN)

Payments where made on time until manufacturing company had a recall on XXXX vehicles my vehicle was on recall from XXXX. XXXX, XXXX till XX/XX/XXXX I informed leasing company kept them updated and explained and even asked them for assistance they declared they would put a hold on the loan if proven car had fell under recall which it did but they never placed the hold once I got the vehicle back on XX/XX/XXXX the manufacturing company charged me {$500.00} to puck up the vehicle then told me I needed a new alternator which I did have to replace on XX/XX/XXXX I do have all necessary documentation for my claim leasing company repossessed my vehicle asked me to refinance I agreed but instead they kept the vehicle and told me to hire a lawyer
Consumer complaint received 2024-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC (DC)

After learning I had an escrow shortage, I chose to pay the shortage in full on XX/XX/2023, per the information provided to me at the time of my annual escrow analysis. While RoundPoint applied this payment to my escrow account, they have not changed my monthly payment to account for the fact that I have made this payment- despite the fact that their FAQ document included in the escrow analysis stated that " Your scheduled monthly payment will no longer include the shortage collection amount should you choose to pay the shortage in full. '' It has now been 3 additional monthly payments ( XXXX, XXXX, XXXX ) where they continue to include the Escrow shortage amount on my monthly payment. 

On XX/XX/2023, I emailed RoundPoint Mortgage Servicing about this escrow payment and how my monthly payment has not yet been updated. Their automatic response said they would respond within 30 business days. After not hearing from RoundPoint, I emailed them again the week of XX/XX/XXXX. I still have not received any response, to either my first or second inquiry.
Consumer complaint received 2024-02-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: RoundPoint Mortgage Servicing LLC (MN)

Roundpoint Mortgage Servicing LLC ended up sending me advertisements in the same mail as my tax documents for a third party. I got a XXXX XXXX XXXX XXXX advertisement included with my official Annual Tax and Interest Statement XXXX.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2019-02-08
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: Experian Information Solutions Inc. (CA)

In XX/XX/2016 I was a victim of idententy theft. Someone tried to open several accounts at different companies. XXXX XXXX gave credit to this person and sent me to collections. I never done business with XXXX XXXX. This was reported to Experian and my credit score came down 125 points.