davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-11
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. (AL)

FRCA VIOLATIONS NOT MINE NOT MY CREDIT CARDS XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$460.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$190.00} Status Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$5500.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$390.00} Status Collection account. {$390.00} past due as of XX/XX/XXXX. 
NOT MY ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family NOT MY NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY PHONE NUMBERS ( XXXX ) XXXX Cellular ( XXXX ) XXXX NOT MY INQUIRIES XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until JunXX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XX/XX/2023
Consumer complaint received 2024-06-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MI)

I would like to know how to cancel my private student loans that I took out in XXXX through Sallie Mae ( they are now with Navient ). Since that year, the school that I attended closed ( the XXXX XXXX XXXX Michigan XXXX and has several lawsuits filed against them for dishonest practices. 

My student loan payments are in good standing and I have paid several XXXX  of dollars on them each month, and my balance in XXXX ( {$18000.00} ) remains my current balance now in XXXX ( {$18000.00} ). 

The XXXX XXXX was dishonest in their practices of selling and marketing to students who had little to no knowledge about financial aid. It is my opinion that they pressured myself and other young adults to register for classes and take out tens of thousands of dollars in private loans to attend a college that lied about their job placement statistics and inflated graduate success rates, as you can see in the lawsuits that have been won against them. 

I wish to have all of my private student loans with Navient cancelled, as my Federal loans have already been cancelled by the government for these very same reasons.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Wanted to get a loan for about up to XXXX they told me Ill get approved but I was denied.False advertisement then I went to the bank and filed a complaint.I was told its nothing we can do!!! you was denied cause account was open long enough
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Date : XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX To Whom It May Concern I am writing to update /correct the personal information on my file with your company. 
Please update my address to XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only employer is XXXX XXXX . 
I do not wish to have any telephone numbers listed on my report. 
Please remove all the other addresses from my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, XXXX XXXX Cc : Transunion XXXX XXXX XXXX, XXXX, PA XXXX, XXXX XXXX XXXX XXXX, XXXX , GA
Consumer complaint received 2024-04-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (TN)

Dear CFPB, I really need your help. I am writing to file a formal complaint against Calvary Portfolio Service regarding their handling of my account number XXXX. It has come to my attention that Calvary Portfolio Service has been engaging in practices that are in violation of my rights as a consumer, as outlined under 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ).

Specifically, I believe Calvary Portfolio Service has failed to provide me with proper notification as required by federal regulations. Despite repeated attempts to communicate with them regarding the status of my account, I have not received any satisfactory response or documentation from them. 

According to the regulations cited above, consumers are entitled to certain rights and protections when dealing with debt collection agencies. These include the right to be informed about the debt being collected, the right to dispute the debt, and the right to receive validation of the debt upon request. However, Calvary Portfolio Service has failed to adhere to these requirements in their dealings with me. 

Furthermore, I request that if Calvary Portfolio Service believes they have provided me with proper notification, they provide me with a certified receipt containing my signature as proof of such notification. As of this date, I have not received any such documentation from them. I am requesting this account is deleted from my credit files with the credit bureaus. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Calvary Portfolio Service if they are found to be in violation of federal regulations. I also request that the Bureau keep me informed of any developments in this case. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX
Consumer complaint received 2023-01-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo mediation program XXXX is the location from XXXX, XXXX  and that is where i found out that each of the XXXX different responses that were responded requested XXXX and XXXX. This was just XXXX out of the other well Fargo case file claim i attempted to file in hopes of getting my accounts fixed and get the refunds that me and my family deserved. Deposits coming from XXXX  XXXX XXXX was coming in for response was due and i had no options but to use my orginal checking account ending in XXXX in order to get any claim resolution from XXXX  XXXX XXXX.
Consumer complaint received 2023-01-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (FL)

The company midland credit management has contacted me about a debt that does not belong to me after telling them multiple times they have the wrong person and not to contact me anynore they continue to call and when I answer they stay silent and then hang up. They keep harassing me.
Consumer complaint received 2020-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GreenSky, LLC (MI)

GreenSky , LLC. needs to provide me proof of a signed contract by me. XXXX XXXX and I have completely parted ways and dismissed my loan so if GreenSky wants money, get it from XXXX. I have nothing to do with them or you anymore. Stop sending me bills. If you need to verify that I was refunded for my four treatments that did not work and my " contract '', determined by them, has been cancelled - call them. They sent me a letter but no proof of contract and neither have you. I have no money and I owe no money. It's now between you and XXXX. As far as I'm concerned, I have no more to do with either of you and paid my dues. Leave me alone or I'll get the ADA involved for you dismissing my medical documentation.
Consumer complaint received 2023-06-21
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. (VA)

I am filling this complaint to EQUIFAX for allowing fraudulent inquiries on my credit report. 
As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Consumer complaint received 2021-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I mailed these credit reporting agencies a letter on XXXXtelling them that these accounts listed were fraudulent, but they still kept the on anyway. they were supposed to remove them after 4 days of receipt of my letter under 15 USC 1681c-2. to this day XXXX XX/XX/2021 XXXX, these fraudulent inaccurate accounts and inquiries are still appearing on my credit report. over 30 days have passed, under the FAIR CREDIT REPORTING ACT, the bureaus was to have completed the reinvestigation of disputed information within 30 days. the 30-day mark has come and gone without any response from their office. I am asking the CFPB to please take charge so my consumer rights can be justified with proper remedy.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Equifax has allowed fraudulent, derogatory information to be furnished against me that has been proven to be unfounded. Equifax has failed to adequately investigate accounts upon written notification from me that the accounts were fraudulent or inaccurate. These creditors have provided proof that they requested Equifax to delete the accounts but said accounts are still being furnished. In fact, my credit file has not been updated since XX/XX/2022 which still details the fraudulent accounts. Both XXXX and XXXX note the lawful changes but Equifax refuses. Equifax has monetarily benefitted from defaming my character.
Consumer complaint received 2015-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

I have complained about OCWEN home mortgage in the past. I recently received a mortgage payment increase notice from OCWEN which increases the payment from {$1900.00} to {$2100.00}. The statement is dated XXXX/XXXX/XX/XX/2015. There is no explanation other than " Further detail regarding the reason for this change will be included in a separate letter. '' I have not ( as of today - XXXX XXXX, XX/XX/2015 received a separate letter. In addition, OCWEN has not stopped our PMI payments despite the fact that we have brought our mortgage principal down from {$180000.00} to {$140000.00}. The original value of the home was {$190000.00}.
Consumer complaint received 2021-06-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (TX)

My account was accessed without my consent on XX/XX/XXXX, locking me out of my account. After submitting a report for my case my account should have been locked from all transactions, however the next day {$300.00} was withdrawn from my XXXX checking a account. After getting my money back from XXXX that day I continued to email Coinbase about my issue and I have yet to receive anything other than copied and pasted replies. I waited a month for a response from Coinbase resolving this problem and I have had no success. I then started asking around in the community to see that others are going months without any resolution, after that I started emailing them again and the situation circled around back to the company support team ignoring me. All I want is my account back in my possession with the correct amount of money in it, and to have the Authenticator, added by someone else, removed leaving me with an SMS authenticator.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (WY)

XX/XX/XXXX I requested XXXX loans, XXXX for {$4000.00} and XXXX for {$2600.00} ( total {$6200.00} ), to attend XXXX XXXX XXXX in XXXX, WY. I graduated XX/XX/XXXX. 

Over the next several years I paid my loan to XXXX XXXX intermittently at best. I took forbearance 's and deferment 's as much as I could, paying when I could. I now work in the railroad industry, and work has been on and off over the years, as were my payments. Over the last several years my payments have been on time. I have paid over {$12000.00} since XX/XX/XXXX ; I do not have records of the payments I made over the 10 years before that. 
At this point I have paid over double the amount borrowed. At the current rate should I continue my current payment plan will end up paying approximately six times the amount borrowed. XXXX XXXX and now Navient have raised my payments over the years. I had got them at one point to lower my payments only to have the raise again recently to over XXXX dollars a month.
Consumer complaint received 2023-09-28
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. (TN)

I am writing to address a discrepancy in Equifax 's response to my complaint through the CFPB portal on XX/XX/2023. The response provided by Equifax is inaccurate and unrelated to my credit report. It appears that they have mistakenly addressed the response based on a family member 's credit report with a similar name, rather than my own. 

To clarify, my name is XXXX XXXX, and upon reviewing my credit report, I found that every account mentioned in Equifax 's response is not listed anywhere on my report. The only collection listed on my credit report is from XXXX XXXX XXXX account number # XXXX. 

In my initial complaint, I clearly stated that XXXX account # XXXX has violated my rights as per the Fair Credit Reporting Act, specifically referring to my right to privacy under 15 U.S.C 1681 section 602 A. Additionally, section 2 of 15 U.S.C 1681 Section 604 A states that a consumer reporting agency can not furnish an account without my written instructions.

I kindly request that you address this matter accordingly and rectify the situation with Equifax. It is evident that they have pulled someone else 's credit report, erroneously associating it with my complaint.

Thank you for your attention to this matter. I look forward to a prompt and accurate resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have tried fixing this on my own directly with the credit bureau and it has yet to be fixed. XXXX & Equifax is reporting 2 accounts with late payments and this is incorrect. 

1. XXXX is showing 2 late payments for XX/XX/XXXX & XX/XX/XXXX. This is absoultely incorrect and needs to be removed immediately as it is affecting me negatively and should never have been reported. 

2. XXXX XXXX is showing 1 late payment for XX/XX/XXXX. This is also absolutely incorrect and needs to be removed immediately as it is affecting me negatively. This should have never been reported late and XXXX is saying it's not on their end. 

Lastly, the address being reported on both XXXX and Equifax that has never been my address and I have disputed and it keeps getting added is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX PLEASE REMOVE THIS IMMEDIATELY.
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

There are two fraudulent hard inquiries on my credit report that I DID NOT authorize. They are as follows : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Transunion is showing a personal loan ( XXXX XXXX XXXX XXXX XXXX XXXX ) account on my credit report as open. However, this account was paid in full and closed in XX/XX/2022. I have tried to remedy this directly with Transunion numerous times ( providing supporting documentation ) in the last 5 months, but they refuse to correct their error. I will attach the supporting documentation to this complaint.
Consumer complaint received 2022-10-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Today, a Bank of America representative in online and mobile banking ( XXXX ) stated that I could not transfer my own investment accounts from BofA Merrill to XXXX XXXX, because Im not working there anymore and I was the XXXX XXXX. Its a brokerage account. I can not buy or sell stocks or even see my account, during earnings season when many companies have just reported. 
My accounts are being handled by the " branch office '', I was told, so they have to transfer the accounts. 
The BofA representative refused to give me the name of the contact ( XXXX ) in the branch who was controlling my account and stated that she would let the branch ( at XXXX XXXX XXXX, in XXXX XXXX XXXX, run by XXXX XXXX XXXX ) know that I had called. The contact would not give me any information about my investment account. 
I asked if the person in the branch handling my account was XXXX XXXX was told yes. 

Therefore, additional contacts at BofA who are involved in the prevention of account transfers include : XXXX, XXXX XXXX XXXX XXXX  NY XXXX XXXX, XXXX XXXX XXXX XXXX  NY XXXX Thank you.
Consumer complaint received 2024-04-15
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: Credit Corp Solutions Inc. (PA)

XXXX. 

I am writing to inform you that I have detected a newly surfaced collection account in my credit history. I am entirely unfamiliar with the subject, holding no responsibilities towards the reported debt charges. It's not clear where these accusations are coming from, I'm asking you nicely to get rid of them right away. 

Account Name : CREDIT CORP SOLUTIONS ( Original Creditor : XXXX XXXX  ) Account Number : XXXX Accurate recording and retrieval of financial transactions are crucial for building trust among stakeholders. Making sure everything works smoothly together boosts credibility, making the credit system run well and fair. 

Thank you for looking into this quickly and hope to hear back soon from your organization with positive results. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-10-27
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: DISCOVER BANK (MD)

Hello, on XXXX and XXXX these companies have reported that my paments were late. However based on further review I have pulled my bank statements and it shows that my payments to the mentioned companies have been made on time. The payments made to discover bank, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX were all made on time and debited from my account so there is no reason why these accounts should be reported as late. 




Thanks
Consumer complaint received 2024-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CO)

Several missed forbearance requests that have been ignored, several payment date consolidation requests that have been ignored, several calls to the service company where the representatives were not helpful including times where I have been disconnected while speaking with representatives.