davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-07
Product: Other financial service — Debt settlement
Issue: Disclosures — 
Company: Navient Solutions, LLC. (LA)

In XXXX, I made the required number of payments to rehabilitate my defaulted student loans. I was told by a representative at the time, who was from either Pioneer Recovery , Inc., or XXXX XXXX XXXX, that XXXX XXXX XXXX ) consecutive payments would have to be made to a company called XXXX. After which, my loans would be in good standing ; the collection fees would go away and I could defer the loan if need be. Pursuant to what I was told, I set up the payments for automatic debit from the checking account. After the payments were made, I received a letter from XXXX XXXX XXXX XXXX, saying congratulations on the rehabilitation. I was then told by one of the servicers that I would have to immediately start making {$400.00} payment per mo. At the time, I could not afford to make {$400.00} payments and I therefore requested a deferment and was told that I could not defer the loans. The loans were never placed in good standing, the collection fees did not go away, and a deferment was not available. 
In late XXXX, to resolve my student loan dilemma, I requested detailed accounting from Pioneer Credit Recovery on how my payments had been applied and other information. They supplied very little information. Through all of this, I was receiving correspondence, simultaneously and sometimes conflicting from XXXX XXXX XXXX XXXX, c/o XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, c/o Navient, XXXX, Pioneer Credit Recovery , Inc., XXXX, XXXX, and Navient. Dealing with these various companies has been confusing, frustrating, inaccurate, inconsistent and most of all deceptive. I would like a clear explanation of how my original student loans totaling {$55000.00} are now $ XXXX. In closing, these companies have reported inconsistent and inaccurate information to the credit bureaus adding to my frustration.
Consumer complaint received 2022-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE (CA)

On XXXX we received a paper letter stating our mortgage was in collections so we immediately called the company. We were concerned because we had made our payment on time and in full. They told us that our escrow had started up and we hadnt made the right payment amount therefore it went into collections. We never received any communication on our payment going up and when it would. So we called immediately and made the payment. We kept watching our account and it never debited. Then received a phone call yesterday, we called back and they informed us that the payment didnt go through. They listened to the recorded call and learned that their representative typed in our account numbers incorrectly. This company has made so many mistakes since we started using them. Their customer service is horrible
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

Several accounts are being reported with incorrect dates on my credit report. Many inconsistencies in reporting across the XXXX bureaus. 

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
Consumer complaint received 2024-02-27
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: Experian Information Solutions Inc. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 XXXXXXXX
Consumer complaint received 2022-01-08
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. (TX)

All appropriate documentation was mail certified/ uploaded on website and I call the company several times. Not only is this a mental health but actually my time. The money send to get appropriate documents to the credit bureau and too the company and yet and still nothing has been changed. I would like to take the appropriate steps to getting the incorrect information removed and my money back where I send three certified mail to both XXXX and Experian.
Consumer complaint received 2020-12-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

An escrow account was initially established for private mortgage insurance only. In XXXX of this year, I communicated to the mortgage servicer that I would be depositing money into escrow for payment of property taxes. As of this date, my escrow account has more than enough money to cover the property tax bill. I have talked with Customer Service several times from XXXX until today. In past communications, I was assured that my property taxes would be paid and that, if late fees were incurred, the servicer would pay them. Just two days ago, I received a call from a Customer Service Supervisor asking me if I wanted the Escrow Dept. to pay my taxes. This is after I had been assured that the Escrow Dept. had been directed by me to pay them. The problem here is that neither Customer Service nor I can speak directly with the Escrow Dept. I sent an email to the Escrow Dept. today asking them to please pay my taxes. The response to this email was " this is a no-reply email address. '' I am now working with XXXX XXXX XXXX. to refinance my home. I am concerned especially now that the current mortgage servicer will compromise the refinance process by its failure to fulfill its obligations.
Consumer complaint received 2022-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

Fraud was committed on our Barclay cards starting XX/XX/XXXX. Our account was put on a high alert/risk status. My card physically failed to work on XX/XX/XXXX. I called Barclay to query. I was told two things. First potentially fraudulent transactions have been occurring, and the card failed to work because of a faulty chip. These two things are obviously unrelated. 

Regarding the fraudulent transactions, it was ascertained, after numerous phone calls, that a hacker had changed our account such that all control and information would go to him/her. When a suspect transaction occurred, apparently the hacker was able to respond by stating " yes that is a valid transaction ''. 

Regarding the faulty chip, two new cards were to be shipped overnight. We were told to activate the cards, and recreate our account online. The cards did not arrive. Further phone calls to Barclay divulged these cards must have been sent to the hacker not to us. Further fraudulent charges were being put on this account. 

We were able to reinstate contact information, via a phone call with Barclay, and once again new cards would be sent to us overnight such that we could activate and reinstate our account. One of the two cards arrived the next day. 

We have spoken to at least seven agents for approximately six hours. We still receive calls from Barclay stating suspected fraud is occurring. Many of these calls are received while on the phone with Barclay agents. 

We have lost all confidence in Barclaycard. That they are incapable of freezing an account until obtaining valid account information and reissue cards, escapes all logic. 

To date approximately {$40000.00} of fraudulent activity has occurred on this account. Some has been denied. 

After numerous conversations, two separate case numbers, and at least three different statements of " elevated fraud status '', this problem remains unresolved. We look for acceptable resolution and close the account. 

My wife and I have been with Barclay since XXXX. That a hacking and fraud has been committed is unfortunate. That Barclaycard is thus far incapable of stopping the problem is disturbing. 


XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX
Consumer complaint received 2022-10-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NAVY FEDERAL CREDIT UNION (FL)

I have recently been educated about the Consumer Credit Laws and TILA. I entered into a contract with Navy Federal Credit Union on XX/XX/21 for a car loan for a total of {$19000.00}. To date I have paid {$5400.00} on the principal. Per 16 CFR 433.2, Navy Federal Credit Union excluded the federally mandated provision in at least ten point, bold face, type " ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECTTO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THESELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THEPROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEEDAMOUNTS PAID BY THE DEBTOR HEREUNDER. '' See contract attached. 

They were notified on two separate occasions, both notarized by a Florida Notary Public, of their violation of the law and did not provide a response within 20 calendar days of receipt of notice, per 12 CFR 1026.15 ( b ) - ( Regulation Z ). Per Regulation Z they are required to repay me any monies paid towards this loan and I would keep the collateral ( vehicle ). 

I have attached proof of notification and receipt. I am requesting that the CFPB contact Navy Federal Credit Union ( and their registered agent ) regarding my requests to respond to my notice of recission and affidavit of truth sent to them.
Consumer complaint received 2022-10-29
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. (CA)

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

Equifax, XXXX, XXXX isnt giving theaccurate reporting on my credit report.Besides they two accounts that has been closed for 9 months or more still on my credit report.And when I make a payment they report the Pervious account that I owed.In other words my account doesnt increase.
Consumer complaint received 2021-01-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted my documents to all credit bureaus over the last 7 months and now I am filing a complaint because they are violating my rights as a consumer. In XX/XX/XXXX, I mailed certified letters and affidavits to each credit bureau and received confirmations via my tracking numbers. According to the Fair Credit Reporting Act 611, I have to give them 30 days. Due to the pandemic, I have given them extended time and mailing in another set of documents with tracking in XX/XX/XXXX. Then I had health issues and waited until XX/XX/XXXX before mailing in additional documents and so forth and now it is XX/XX/XXXX and still NOTHING! I have spent thousands of dollars of my time mailing in my own disputes, online credit monitoring memberships only to still be a victim. This is such a disappointment in our credit system that the bureaus will treat consumers like this, even with the pandemic going on, I expected some sort of system in place. I have a family to provide for and need a loan to help pay for our basic human necessities. I can not apply with the way my credit is and I am filing a complaint with the Consumer Financial Protection Bureau to help me with this. Here are the numerous tracking confirmations that I have sent : USPS Tracking : XXXX Delivered XX/XX/XXXX : USPS Tracking : XXXX Delivered XX/XX/XXXX USPS Tracking : XXXX Delivered XX/XX/XXXX Tracking : XXXX sent out to XXXX XXXX, Delivered XX/XX/XXXX Tracking : XXXX Sent XXXX to Transunion, Delivered XX/XX/XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX TU Tracking : XXXX XX/XX/XXXX XXXX  Tracking : XXXX
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This notice is to inform the CFPB Transunion is reporting inaccurate information on my credit report. 
The old junk account was sold to XXXX XXXX by The XXXX XXXX XXXX 
ATTACHED WITH THIS LETTER IS A SCREENSHOT OF THE EXACT DATE OF THE ORIGINAL FURNISHER WHICH IS STILL BEING REPORTED ON MY XXXX CREDIT REPORT. 
This constitutes fraud. These companies should not be in business. 
They are destroying lives. 
Partial account number XXXX XXXX XXXX has illegally purchased and re-aged from XX/XX/XXXX to XX/XX/XXXX. 
This a malicious attempt to keep it on my credit file for a longer period of time. According to federal law, Neither creditors nor debt collectors can re-age an account. From the moment an account ages, it can not be taken back in time. Regardless of how many times an account is sold from one collector to another, They have willfully ignored my previous notice to cease and desist. 
Furnishing a duplicate account. It is illegal and unethical for a company to sell an account and keep reporting it on a consumers credit file. 

I have disputed this account with XXXX and it was immediately removed from my credit file. 

If by any miraculous chance your office is able to legally VALIDATE your claim with the below documents ; Agreement with the party that authorizes you to collect on this alleged debt. 
The legal order from a judicial court to place this account on my credit file. 
An agreement with your company bearing my willful signature stating my legal obligation to pay this alleged debt. 
Original copies of the debt agreement stating the amount of the debt and interest and changes. With the matching date. 
Proof that the statues of limitations has not expired. 
Complete payment history along with an accounting of the debt and all additional charges being accessed. 
Proof that you are licensed to do business in the state of Texas. 
Your purchase agreement with the alleged previous owner of the debt. 
Your license number and registered agent. 
The law requires 30 day to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will promptly consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report.
Consumer complaint received 2023-07-16
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. (NY)

i have asked a XXXX bureaus to fix the inaccurate info on my credit reports last XXXX months i have submitted claims about the XXXX XXXX  credit card account on my file it is still being reported as a charge off of {$90.00} and it is showing paid and that i still owe. 

my account became late due to XXXX and i requested it be closed the card issuer did not and i became sick and XXXX  and the late just kepted adding on i contacted XXXX XXXX and paid balance they said i owed they said it would be corrected on there end..
Consumer complaint received 2023-07-23
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. (LA)

My name is XXXX 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 2020-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NY)

For over three weeks my account has been blocked by ally bank, I contacted the bank and was told funds are being directly deposited into my checking account from another party, I then advise them the other party is my son, they then advise me I maybe violating the terms of the account and an investigator will get back to me within 48 hours but they never did. I have since contacted the bank many times but no one was able to advise me on the way forward and thy continued to hold on to the account funds. I read Ally bank agreement and I interpret the attached circle paragraph to mean family members are allowed to use the account, if this is not so then I ask the bank to either forgive the mistake and return the account to good standing, or closed the account and return all money on deposit.
Consumer complaint received 2023-07-23
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. (SC)

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. 

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 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

Submitted request asking that duplicates and items that were over 7 years old be removed from XXXX, Equifax and XXXX. Letters were submitted in XX/XX/. The duplicates remain on my credit report and it affects credit score.
Consumer complaint received 2023-07-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-03-13
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-16
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. (OH)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Credit bureaus did not update late payments status i have proof from company that this account was never late and XXXX has yet to update payment history XXXX XXXX XXXX XXXX Company confirmed this according was always on time and never late