davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
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. (NY)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must update to correct as paid on time. Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences those accounts tag as billing error are inaccurate late payment history should be updated to paid on time as it is in multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time. any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And charge off accounts that is tag or labeled FDCPA Section 807 Violation Misleading False Reporting should be deleted and collection account Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately. a copy of which is enclosed which states that this information must be removed within four business days of receipt, Including inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. should be deleted in the credit report I am requesting that the adverse information on the items be removed to correct my credit report. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2017-05-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (WA)

Informed my lender ( Nationstar Mortgage ) in XXXX XXXX that I had discovered that my original home loan they had bought from XXXX XXXX XXXX XXXX XXXX contained falsified information on my income and assets. I was unaware when I originally obtained the loan that the lender XXXX XXXX XXXX XXXX had falsified information. Consequently, I now owe more than the home is worth and the ARM in the original note has nearly doubled my mortgage payments. I am trying to obtain a loan modification from Nationstar but was informed that the modification had been denied. I have yet to receive any formal letter from Nationstar but the Nationstar Rep mentioned that I would pay more if the loan was modified. I am only asking for an option to keep my home that I have lived in for XXXX years. The loan from XXXX XXXX has damaged my credit, the terms of the loan that I thought I was agreeing to were not what I had been led to believe, and I have no equity in my home. I do not want to lose my home and I am trying to come up with a solution.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-12-12
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. (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. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2024-07-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc (AZ)

my father opened a XXXX  account for me in venmo to receive my irs XXXX and other checks for me as a teen. This has been the worst experience of my young life... 

The account was opened by venmo and money was deposited into it that usually came to me by physical check. BIG MISTAKE. As soon as any money landed, they froze my account because my father who was out of the country, checks the deposit. They said that it was suspicious that someone outside accessed the account... fair enough. We went through weeks of back and forth and they said thatbon XX/XX/XXXX, they were holding my money for 180 days.. 

Somehow, venmo decided to close my father 's account that he had had for more than 8 years. Because of my debit. 

We tried to find out what happened but venmo just keeps giving us the run around and my father even filed a case here with wihcih they said our transaction flagged their security and we had to wait 180 days to clear. That was on XX/XX/XXXX. 

A week ago, on XX/XX/XXXX I received and email not which I have attached that my funds were cleared from any hold, attached, and I could get my money. Fine.. contact us to withdraw. 

But this process has been impossible to simply close my account and get my money back. They sent me a message saying my father is the legal owner of the account that he should contact them to close the account but for 5 days he has been trying to even get a response. Nothing. The run around and very aggressive customer care people who hang up the phone on you repeatedly ... with endless false and repeated messages and a non exostent customer care who even sit and laugh at you. 

This is America.. how is this even possible. How are these people getting away with this.??? How are they legally allowed to operate as a financial business in AMERICA? I have read online how they steal money even from our veterans and withhold money and frustrate people till they give up. Our XXXX, veterans and old people are being targeted by this company. And I will not rest till I expose this. And how the fdic is letting this happen in our country.. there are thousands of people online complaining of the same exact thing happening to me and my dad. 

I have attached the clearance letter and letter telling my father to collect. But then they don't respond to him. So in essence. This is a hostage like situation. I am sick, very sick with XXXX XXXX, and these people have made my family look like scammers to get our own money. When they are the ones doing this with endless meaningless and all over messages. They have A.I. messages answering you and repeatedly asking you for the same information dozens of times. 

How is this company operating in america??
Consumer complaint received 2024-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (OK)

I am writing to formally lodge a complaint against Navient Corporation concerning the handling of my consolidation loan, which my wife and I have maintained with Navient for over 20 years. Since XX/XX/year>, we have been attempting to transfer our loan to XXXX XXXX or a government lender to explore available forgiveness options. Despite our repeated requests for assistance, Navient has been unwilling to facilitate this transfer. 

Additionally, in an effort to compel Navient to provide the necessary assistance, I temporarily ceased making payments. However, rather than addressing our request, Navient has resorted to contacting unauthorized third parties, including my mother, my wife 's father, and at least one neighbor, disclosing our private student loan information. This conduct is not only unethical but also constitutes a violation of privacy laws and regulations governing the disclosure of confidential information. 

We are acutely aware of the available options for loan forgiveness and the legal framework that supports such transfers. Navient 's refusal to assist us in this matter and the subsequent disclosure of our private information to unauthorized parties have caused significant distress and are legally indefensible. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against Navient Corporation for their unethical and illegal practices. We seek your intervention to ensure that Navient facilitates the transfer of our loan to a government lender or XXXX XXXX, and to prevent any further unauthorized disclosure of our private information. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance.
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (IL)

Chase will not allow me to log into my account to view my statements or pay my bill. They keep claiming they need to verify my identity but never send the text or call when I pick those options. So far they refuse to help because they will not do anything to verify its me. They appear to be using their security to try and force me to miss payments ( or possibly to allow unauthorized charges ).
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Fresh Holdings Inc (AR)

Account XXXX XXXX This company is reporting negative remarks and late payment in my credit report after I have filed Chapter 7 on this account. This letter is regarding the account I have listed with this company. This is a formal notice that claim is disputed. I'm advising you that you have violated the Bankruptcy Code and permanent injunction provisions, basically a cease and desist letter is sent. The case law is pretty clear that a violation of the discharge injunction is punishable with sanctions for damages incurred by the Debtor, which would include reasonable attorneys fee, Thus, the end results will be that the violating creditor will have to fix negative reporting.
Consumer complaint received 2024-07-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber (IN)

I contacted the hospital and they told me I only had a debt of XXXX dollars. The collector told me there was that debt and another. And the other debt is why I have an XXXX XXXX dollar debt in collection. I had the hospital where the Deb originated from call the collector and they sorted it out that my insurance did indeed pay for the visit back In XXXX or XXXX. I would really appreciate if the debt would please stop effecting my credit score. This all just happened a few days ago so I'm not sure if it takes time or what but the debt is still showing up on XXXX XXXX. So I would just like to bring it to your attention. Thank you
Consumer complaint received 2023-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit International Corporation (TX)

Credit International Corporation XXXX XXXX XXXX XXXX, WA XXXX The company above reported a Corporations Possible Liability to my personal credit. 

Credit International Corporation is a collection agency acting on Behalf of XXXX. 

XXXX processed a check for XXXX XXXX XXXXXXXX XXXX that we received from a customer, XXXX XXXX XXXX. XXXX XXXX put a stop a payment on the check after the check was cleared by XXXX. XXXX notified us after 3 months that there was a stop payment placed on the check. XXXX XXXX XXXX promptly filed a criminal complaint against XXXX XXXX with XXXX XXXX XXXX 's Hot check division. We informed Credit International Corporation about the ongoing criminal investigation. 

XXXX XXXX XXXX XXXX is not a sole proprietorship but a Corporation. XXXX, Processed the check in question, on behalf of XXXX XXXX XXXX and not on behalf of XXXX XXXX. 

Credit International Corporation has been harassing XXXX XXXX XXXX threatening lawsuit etc. We informed them over the phone about the ongoing criminal investigation. 
If there is any liability, this liability is XXXX XXXX XXXX 's liability and not XXXX XXXX 's liability. 

I demand that Credit International Corporation remove the fraudulent reporting they placed against me with Credit agencies Illegally. I also request that this company be fined as permitted by law.
Consumer complaint received 2024-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (FL)

TO WHOM IT MAY CONCERN ; i continue to dispute inaccurate and misleading information from velocity over a debt they say I owe when I don't. I have sent multiple letters to them and NES Who is also trying to collect on this debt they say I owe. i have sent them affidavit forms, copy of my dispute with the FTC about this but they continue to ignore me
Consumer complaint received 2017-06-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC (PA)

I received a letter from  XXXX  Mortgage on  XXXX   XXXX ,  2017 , stating that my mortgage loan was being transferred to NationStar Mortgage effective  XXXX   XXXX ,  2017 . I then call ed NationStar to  ask questions on how to set up an account to pay my mortgage to them. The woman that I spoke to gave me a new account number for my mortgage account (  XXXX  ), I then proceeded to set up a payment account online.  <P/> On  XXXX   XXXX ,  2017 , I received a letter from NationStar Mortgage, stating that I owed {$1400.00}, which was due  XXXX   XXXX ,  2017  ; which was very upsetting to me. I then  called NationStar immediately questioning this amount and asked them to explain to me where they was getting this figure. ( I have the 15 minute call documented on my phone ). I was told that the  {$1400.00}, was for administrative fees ; I then asked her to explain and she could n't ; so I requested a copy of these fees to be sent to me ( that request was on  XXXX   XXXX ,  2017  ) I HAVE NOT RECEIVED THEM UP TODAY!!! The lady then told me not to worry the administrative fees would be deducted from my mortgage payments until paid in full.  <P/> I do not owe any administrative fees and I do n't know what they are or why I 'm being charged, I STILL HAVE N'T RECEIVED THE COPY OF THESE FEES THAT I REQUESTED ON  XXXX   XXXX .
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Eastern Account Systems of Connecticut, Inc. (IN)

Under law 15 usc1692c ( c ) states if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, and so on all in year of XXXX Eastern Account System- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MA XXXX
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments
Consumer complaint received 2023-04-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that l am requesting " validation '' : that is competent evidence bearing my signature. 

Please also be aware that any negative mark found on my credit reports from your company or any company that you represent for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 ( 15 USC 1962e ) ; therefore, if you can not validate the debt you must delete. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on an consumer report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. Please verify the following account or remove it immediately : XXXX Account # XXXX
Consumer complaint received 2018-08-15
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

This is in reference to Complaint Number : XXXX about USAA referred to CFPB by Federal Trade Commission. IT seems like USAA are continuing the delay tacking and is refusing to seriously investigate the fraudulent account. 
I just got home and was told by her that a Certain XXXX ( phone number : XXXX ) call her on her cell to tell her that an independent review decision was not in my favor and my best bet was to call him at the above phone number. For some unknown reason USAA are not taking this matter seriously, a complaint that was send to the bank just this morning has already been seriously investigated by an independent review board? USAA have been fabricated transaction in attempt to justify this fraudulent account. 
Including to report that I have made my last payment in XX/XX/2016. Additionally the same account is being reported twice, as a charged off account and as a " Pay as Agree '' account, max out but in good standing. This is a fraudulent account!!!
Consumer complaint received 2023-03-14
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

Back in XXXX of XXXX, I went to a Wells Fargo branch, in XXXX XXXX XXXX to take my name off a Savings account. 

Five years forward in XXXX, I thought I transferred money in my checking account to cover purchases and bills yet the overdraft fees and funds came from the account, I took my name off of five years prior. 

In XXXX of XXXX, I was told I owed the money or had to return the money to the savings account because I was at fault, although, I made a complaint to Wells Fargo back in XXXX of XXXX that I was supposed to have been removed from the account. 

In XXXX of XXXX, the person who is still named on the account, filed a complaint against me or my account as the account owner and over 30 days later, I had to still pay money back to the person although I was removed 5 years ago. 

I have asked Wells Fargo to make it make sense. I removed my name from the account, why or how was I still on the account, also, if there is a 30 day grace period why was the account holder given money from my account without my knowledge. I practice due diligence by removing my name from the Savings account and I did not have visibility, access or received statements from the account. 

Wells Fargo has stated they had every right to take the money from my account without notifying me, and I had to return the money. This seems so unfair because I did what I needed to do as the consumer. Also, if the 30 day grace period was past, how was the Savings account owner still given the money from my account? Wells Fargo should take accountability of their mistake