davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
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. (IL)

I had a prior case open through the CFPB and in the resolution, Equifax stated that the inquiry would stay on my record for XXXX years ( hard inquiry ). This inquiry was a fraudulent hard check on my credit and I am requesting again for it to be taken off. I understand that soft inquiries happen due to credit card promos but this is different. I checked the portal and it still says, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX '' on my hard inquiries. Please help me take this off my credit line. When I click dispute it doesn't pull anything up!
Consumer complaint received 2020-12-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I sent another dispute to the bureau regarding an account ( XXXX XXXX XXXX  XXXX ) on my report that has many inconsistencies. I also demanded that they validate the account but they didn't do it. I haven't received any documents that shows that the creditor validated the account to me and I haven't received any response to my dispute at all. While waiting for the results of the investigation along with the validation of the account, it has been well over 45 days, so they are now in violation of that also. According to 15 U.S. Code 1681i the bureau must do a reinvestigation of the disputed item within 30 days and if the item is inaccurate they must delete! I can not keep dealing with this issue as it keeps causing me a lot of stress and wasted time. I have attached my Driver 's License, Social Security Card, the info that shows the inaccurate account and all the discrepencies, the letter I sent for no response to my dispute letters. I will be forced to file with the FTC if this inaccurate account doesn't get deleted.
Consumer complaint received 2024-06-24
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble getting information about the card
Company: Payfare International Inc. (GA)

I have had my DasherDirect card for over a month. Today XX/XX/year> I made a return at XXXX. They processed my return and I immediately saw the balance back on my card. At checkout however the card was declined for insufficient funds. I checked my account anf XXXX had taken my refund away and put it in Pending status. XXXX said the refund was already processed but XXXX XXXX XXXX merchant has not finished processing the refund and I should wait a week. XXXX different explanations and no reason why they are holding my refund money. And they want me to verify my own account with information I never provided during setup. I had no idea what they were talking about so they locked me out of my account until I can verify it.
Consumer complaint received 2020-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (GA)

I had to sell my home due to being laid off in order to live off of the equity until I am back on my feet again. The sale went through and I received a check for over {$130000.00} which I deposited at Regions Bank in XXXX, GA on XX/XX/20. The bank immediately froze my account and it remains frozen. According to the banker in the XXXX branch, there are two reasons for this freeze : 1, the account balance at the time of the deposit was $ XXXX, and 2, the size of the deposit. She states she can do nothing until her manager gets back later in the week. Meanwhile, I've missed my first month 's rent in my new apartment. The Regions website and my banker have both told me Regions can not withhold funds for more than 7 business days. We are beyond 7 business days at this point.
Consumer complaint received 2024-06-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

Hello, filed a complaint XXXX XXXX of this year About struggling to make payment with this high interest loan and would like to have it discharged. Navient denied my request but replied that I met the criteria to apply for a School Misconduct Discharge. I applied, waited a month later and denied with a very bland and unpersonable response.Navient is unable to give a detailed clarification to exactly why i am denied this discharge. I was told to wait 2 weeks by mail to give an reason why when I could've given an answer with the month i was waiting. I was given false hope to fill out this large application and gather sources to multiple reasons why my school committed fraud and Navient cant even meet me at the middle. The attachments are the sources, application filled and my denial letter.
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (TX)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 2024-06-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NJ)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-15
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: South Carolina Student Loan Corp (NH)

XXXX XXXX  XXXX embarrassed me at my place of work by calling and asking for me. Their number was on the caller ID so it is obvious to anyone who looked them up after transferring the call to me. 

This person was not friendly and I believe acted in a very malicious manner by trying to intimidate me and embarrass me.
Consumer complaint received 2022-11-18
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: EQUIFAX, 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. 


XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX : # XXXX has violated my rights. 

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 2020-12-21
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8800.00}, {$8800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account.
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2017-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (PA)

I am writing CFPB again in response to DiTechs comments and because I am still seeking relief per CFPB from DiTechs harassment, which is beginning once again, already. DiTech is AGAIN Ballooning my account balances and sending me threatening monthly letters as if they are unafraid of any legal action against them or the revealing of their cycle of threatening and harassing actions against me through my post to CFPB and other agencies. As you will recall I received through DiTechs methods a letter : 1 ) OnXX/XX/XXXX stating that I could get help to pay their fictitious balance of my account ( DiTech ballooning my account balance over 2 monthly payments ). 2 ) OnXX/XX/XXXX I received another more harassing and threatening letter stating that DiTech will accelerate default into foreclosure unless I pay a certain amount of money to them. They stated that this fictitious amount is the TOTAL AMOUNT DUE of the months through the date of the letter as the date of the letter reads. ( NOTE : I paid this amount in 2 installments BEFORE the due date. ) 3 ) I also made a XXXX payment 4 ) So the question is : How can I then receive a letter the following month,XX/XX/XXXX, starting the cycle of harassment over again, stating that I can seek help for over 2 months of unpaid previous payments? This after paying payments for a letter that states TOTAL AMOUNT DUE. 5 ) How also can that same months billing statement reflect over 3 months past due? XXXX Billing statement shows me owing still {$1900.00} and then next month, XXXX Billing statement, shows me owing almost 2xs that for almost 4 months of payments at {$3100.00}. 6 ) More importantly, I paid over {$1900.00} Before XX/XX/XXXX and the payments listed for me through DiTech, for that month are only {$1000.00} Where is the rest of the money I paid? 7 ) The 2 payments I made in XXXX are NOT AT THE BOTTOM OF ANY BILLING STATEMENTS. They should be at the bottom of at least Mays Billing statement, BUT SOMEHOW HAVE VANISHED Please request documents as I have sent most in the previous complaint to you. While others are on the DiTech site webpage letters dated XX/XX/XXXX and XX/XX/XXXX are not on the site but were mailed to me and have been submitted to CFPB. If you need more documents please let me know. I am sending this complaint because while I have responded to the companies response on this site I do n't know if you received it so I am opening up a new opened complaint referencing # 's XXXX, XXXX, and XXXX
Consumer complaint received 2020-12-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (TX)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX XXXX XXXX XXXX that now is being handled by XXXX XXXX  that is not even licensed to collect in Texas. I did not open or authorize this account, with this company or no other company they represent and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Not only that this is a medical account and I do not recall giving permission to any provider at all allowing them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Also XXXX XXXX never even sent me notice of the fraud account or else they would have already known that I was a victim of identity theft and this account is a result of thereof. Additionally, I thought any reporting of a debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I have previously notified XXXX XXXX  that I am a victim of identity theft and to close this unauthorized account but they decided to ignore my request.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I've been calling and calling this credit bureau about these fraudulent accounts on my credit report and still nothing. I am a victim of Identify theft. I reached out to the creditors and they direct me to reach out to the bureaus. I think I've been getting the run around and i am tired of it. The credit bureaus told me to get an FTC report and I did. I have attached it below
Consumer complaint received 2020-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OR)

On XX/XX/20 I mailed my payment to Citibank - The Home Depot Rewards Mastercard - which was due on XX/XX/20 using the statement payment stub and envelope provided. It wasn't posted until XX/XX/20 and I incurred a late fee of {$25.00}. I called Citibank MasterCard to question the delay ; however, I was unable to reach them and was transferred to what appears to be a Debt Collector. They could not find my account and kept asking for the reference # on my letter, which I do not have. My concern is that this is not the first time my payment was posted after the due date and I've been charged a late fee. While I realize it could be the USPS ; I believe the delay is at Citibank. It's frustrating as I can not pay online because my account is closed, I can not call anyone for assistance, and if I mail the payment I'm at the mercy of the USPS and the Citibank payment center.
Consumer complaint received 2022-11-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (MS)

I would like this collection removed from my credit report. I was NEVER contacted by this company about any owed debt. Now I have a major derogatory account on my credit report. If I had been notified about any debt, I would've paid said debt. But I have not been notified at all.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (CT)

The oldest account on my Innovis file contains an inaccurate address and phone number. I try to dispute this on their website and am told I can only be helped via phone. I try to dispute this via phone and inform Innovis of my rights, and am told I can only be helped by a manager. I try to dispute this with a manager and am directed to a voice mail box, where I left a message, and haven't heard back.
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (GA)

My Regions checking account has been charged overdraft protection fees on several occasions despite my not being enrolled in overdraft protection. I reached out to Regions customer service via the mobile app messaging service and I was told that my account was opted in to overdraft protection when on my end it clearly says I am not. I offered to send the customer service rep a screenshot of this record but unfortunately there was no way to send pictures through the service and she refused to give me another form of communication for the customer service line. I am sick of being charged for fees unknowingly when I am under the impression that Ive opted out of this coverage for this very reason.
Consumer complaint received 2023-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (PA)

I received a letter from XXXX. XXXX XXXX on XX/XX/2023 regarding a debt from XXXX that I did not recognize. I sent a letter back to XXXX. XXXX XXXX on XX/XX/2023 advising that I did not recognize this debt and wanted them to provide a verification of the debt within 30 days. I have not heard anything back from XXXX. XXXX XXXX since then. I contacted XXXX, which is where I currently have my service, and they had no record of this debt in their system. I put in the letter to XXXX. XXXX XXXX that I didn't want this to go on my credit report and wanted to avoid that at all cost and wanted to get this resolved before then. Debt Acct # : XXXX XXXX
Consumer complaint received 2020-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (DC)

My wife and I were informed by Specialized Loan Servicing via a letter dated XX/XX/2020 that our hazard insurance had expired. On XX/XX/2020 we talked to XXXX ( our insurance coverage ) with whom we have had coverage since we bought our current house. 

The XXXX rep told us that our coverage had not lapsed and that in his opinion it fit the ( unclear and undefined in the letter ) definition of hazard insurance. The rep faxed proof of coverage to the number provided by Specialized Loan Servicing. 

We received subsequent letters stating that Specialized Loan Servicing felt our coverage had lapsed. We uploaded proof of our insurance to a portal they provided for that purpose but continued to receive notifications. 

We than talked to a Specialized Loan Servicing rep on two or three occasions and were told that we had coverage and not to worry about it. We asked for written/emailed confirmation of that and never received it. 

Instead, we were told that Specialized Loan Servicing had bought insurance for us and then that they had set up an escrow account. Finally, we were informed in a letter dated XX/XX/2020 that we would be billed an additional amount on our monthly mortgage until the escrow account was paid off.
Consumer complaint received 2017-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TimeMark Solutions, Inc (CO)

I called XXXX XXXX XXXX to discuss outstanding balance. They had a man tell me that I could qualify for student loan foregiveness through Timemark Solutions. They obtained information verifying my personal information, stated I no longer had to make payments to XXXX but that I had to cover a XXXX dollar deposite to get the account started. I gave them my bank account and routing number and they withdrew XXXX on XXXX XXXX, 2017 with the next w/d to be done XX/XX/XXXX, XX/XX/XXXX. I have come to find that this is in fact not a real site and I gave them my FSA ID number, copies of my payment stubs from my hospital, references for my family with their address '. I do n't know what to do from this point on as they have very detailed information. I am cancelling the transactions from the bank but am deeply concerned about the personal information they have of mine.