davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (MO)

On XX/XX/XXXX I sent a certified letter to Spring Oaks Capital requesting validation of debt that company states that I owe as well as to cease all phone communications and instead provide me with written documentation only. I have never had a contract with this company nor the company that they state that they represent. The company in returned sent me a 1 page document via email which does not validate the debt as requested. Since XX/XX/XXXX Spring Oaks Capital has contacted me a total of 16 times by phone with the last 3 calls coming in today XX/XX/XXXX at XXXX XXXX, XXXX XXXX, and XXXX XXXX. 
This company is clearly ignoring my cease and desist letter which is a clear violation of my rights.
Consumer complaint received 2020-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

My concern is that I thought I was paying my Federal Student Loans ( FFELP ) not private Navient Loans. I was totally unaware or see how my Students are no longer Federal. The originality of the loan was Federal. It is still titled as Federal and the interest rates are regulated by federal. How is this not included in the Covid-19 relief of not having to pay interest rates during the pandemic? This is truly a problem and criminal act that Navient is doing to its consumers. It has all the characteristics of a Federal Student Loan and should be treated just like the rest. Please look into to this matter and help make a change on how Navient is servicing its Student Loans.

Thank you for your time.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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.

v
Consumer complaint received 2022-03-02
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. (NJ)

My XXXX XXXX  highlighted hard inquiries changes today. I have XXXX hard inquiries from XXXX and XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Phone XXXX. 

I don't recognize this company and when I dial the number is " not setup to receive calls '' I have a right to question the inquiry on my credit report and am unable to do so.
Consumer complaint received 2020-12-28
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. (FL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agency stop reporting agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2019-12-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (VA)

DEAR CFPB : THIS IS A VERY SERIOUS LEGAL COMPLAINT INVOLVING A MORTGAGE COMPANY, SPECIALIZED LOAN SERVICING, LLC AND A TRUSTEE THAT WAS APPOINTED TO SELL A HOME IN A DIVORCE CASE.

THE MORTGAGE COMPANY VIOLATED MY RIGHT TO PRIVACY BY GIVING THE TRUSTEE CONFIDENTIAL INFORMATION. THE TRUSTEE WAS WORKING AGAINST MY BEST INTERESTS TO HER FINANCIAL GAIN.

THE MORTGAGE HAS VIOLATED FEDERAL PRIVACY LAWS AS WELL AS ACTING IN BAD FAITH AGAINST ME AS THE CUSTOMER.

THE MORTGAGE COMPANY ACTUALLY SENT THE TRUSTEE DETAILED TRANSCRIPTS OF PRIVATE PHONE CONVERSATIONS THAT I HAD WITH THE MORTGAGE COMPANY IN DIRECT VIOLATIONS OF MY ORDERS NOT TO DIVULGE ANY INFORMATION. 

THE TRUSTEE IS CURRENTLY BEING INVESTIGATED BY LAW ENFORCEMENT AND THE XXXX COUNTY MD STATES ATTORNEY. THE ATTORNEY GRIEVANCE COMMISSION HAS ALSO OPENED AN INVESTIGATION. THE ATTORNEY IN QUESTION IS XXXX XXXX. I HAVE ALSO INVOLVED XXXX XXXX, WHO IS AN ATTORNEY WHO WORKS FOR THE MORTGATE COMPANY. 
I WOULD LIKE TO INITIATE A FORMAL INVESTIGATION AGAINST THE MORTGAGE FOR VIOLATIONS OF PRIVACY, AND WIRE FRAUD.PLEASE CONTACT ME SO I CAN PROVIDE MORE SPECIFICS TO THE CFPB. 

THANK YOU FOR YOUR ASSISTANCE IN THIS VERY IMPORTANT MATTER
Consumer complaint received 2020-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (FL)

Hello, I opened an acct on XX/XX/20 with Citi Bank offering a {$400.00} bonus if funded and minimum balance of {$15000.00} and an extra {$100.00} with a direct deposit. 
Account was completely funded and direct deposits started by the 60 day time limit ( XX/XX/20 ). 

Since then I have called numerous times and I have been told that all obligation were met and money SHOULD be in my account. I received a letter from Citibank dated XX/XX/20 stating : " unfortunately, your account does not qualify for this promotion because the deposited funds were not New-To-Citi funds ''. 

The funds came from a XXXX account and not from a Citi account, I not only have proof from the XXXX acct, not only that, BUT MY Citibank STATEMENT shows its from XXXX! 

Today I visited my local Citibank branch were I was told they could not help me and that I needed to call the XXXX number, which I did from THE BRANCH. After speaking to 4 DIFFERENT representatives and on the phone for almost 90 minutes, the call was disconnected. The branch manager was there to witness it. Last person I spoke to was an agent by the name of XXXX. 

I have probably spent more time than {$500.00} was worth, but its a matter of principle now. 
I'm disgusted by the way Citibank has treated me
Consumer complaint received 2020-12-28
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: Flagstar Bank, N.A. (IN)

I have accounts that are showing on my credit reports inaccurately. These accounts are hurting my credit and stopping me from moving forward in my life. 

The accounts in question are improperly displaying the following : 1. Account was sold and not properly displaying month to month history as positive. 
2. Account was closed due to the property being sold and month to month history is not being displayed as Closed and Paid As Agreed.
Consumer complaint received 2020-12-28
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. (MD)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine AND accounts that were never late. PLEASE SEE ATTACHED POLICE REPORT. 

I sent your bureau a dispute letter in regards to these accounts on XXXX and XXXX asking that they be removed. Please note response should have been provided by date XX/XX/2018. I have not received report and XXXX  is over the time frame required to submit report to me. Please refer to the attached XXXX XXXX dispute letter sent to them.
Consumer complaint received 2023-06-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION (IN)

I opened a Mortgage account with Regions bank in XXXX of XXXX. In the next year I went through a divorce and the mortgage was signed over to me. My ex-husband was court ordered to pay off second mortgage and take his name off of the mortgage. He did neither one. XXXX years later, I have had to open a new loan to pay off my second mortgage and Regions has never allowed me to refinance my mortgage to remove my ex-husband 's name. I have tried numberous times since XX/XX/XXXX to get this accomplished. I have sent in copies of my divorce decree, copies of my deed where he was removed from it, my marriage certificate from XX/XX/XXXX to change my name ( which is still not been done ). I am now trying to get an insurance check endorsed by Regions bank so I may repair water damage. They REFUSE to endorse my check. It's been XXXX weeks since I was in the branch and just now getting to me to tell me. I have sent in numerous documents to them ( again ) and they have kept my check and will not endorse it. I have dealth with these rude, irresponsible people who lack in communication to their customers for extra money and they are unbearable to work with. Like I said, I have been going through this mess since XX/XX/XXXX ... XXXX years LATER I'm still doing the same things I was doing then because nothing was changed all of the previous times I've done all of this paperwork.
Consumer complaint received 2020-12-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I borrowed {$2600.00} with a {$160.00} bi-weekly payment. Over the last year, I have paid back over {$4200.00} and still have over a {$2000.00} balance due. I have proven that I can pay back the loan, and I shouldn't have to pay back another {$4200.00} over the next year to pay this off. I hope NetCredit can see their way that this is a predatory loan and I have more than paid back my loan amount with interest.
Consumer complaint received 2020-12-28
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)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agency stop reporting agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2021-12-21
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: Experian Information Solutions Inc. (GA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NV)

Macy 's does not mail me Monthly statements and i have requested this for the past 5 months. I have not requested paperless nor Email for no statement.
Consumer complaint received 2020-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

My mortgage loan was recently transferred from Rushmore Loan Management Services to XXXX XXXX XXXX. I noticed a - {$110.00} escrow balance. This is an error. There should be no balance ( {$0.00} dollars ) I paid my homeowners insurance in full on XX/XX/XXXX and have had the same homeowners insurance for the past three years that i paid in full each year. I always paid in time. Thus, there shouldnt be any escrow balances. I have copies of my homeowners policies that date back to 2017 with no gaps that i can provide for you. 

This amount is erroneous and false and needs to be removed from account or they have to refund me {$180.00}. I attempted to contact rushmore loan services and they said because my account was transferred and this they can not help me.
Consumer complaint received 2020-12-28
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: Onity Group Inc. (IN)

I have accounts that are showing on my credit reports inaccurately. These accounts are hurting my credit and stopping me from moving forward in my life. 

The accounts in question are improperly displaying the following : 1. Account was sold and not properly displaying month to month history as positive.

2. Account was closed due to the property being sold and month to month history is not being displayed as Closed and Paid As Agreed.
Consumer complaint received 2022-10-02
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. (WI)

My entire federal and state tax refund was taken for the amount of {$5000.00} for my student loans in the year 2018. There is absolutely no record of this on your end of any payment what so ever.
Consumer complaint received 2021-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2023-06-12
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: Grow Credit Inc (VA)

Grow credit Inc agreed to remove all reporting late payments from my credit reports and they told me to wait and that they submitted the request to the Credit Bureaus and to wait for them th o remove them I have contacted the bureau about when will they remove the info that was requested tk be removed and all XXXX bureaus told me that the removal of account or account info is not done on there end so I contacted grow credit Inc and they told me that its not done on there end so I have been waiting for to long for the removal of the late payments that were agreed to be removed.
Consumer complaint received 2020-12-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (MD)

We experienced loss of income and many other financial struggles in 2020. After three failed contracts on our primary residence, we finally have a short sale almost completed but are still waiting to hear back from Truist regarding a settlement negotiation for the home equity loan. The settlement amount is too high and we are struggling to obtain the funds being requested. We're getting no response and feel like Truist is pushing us into bankruptcy. They won't tell us what the terms are until we agree to the settlement number. They are not responding to offers or inquiries and we feel that we are being forced into a predatory loan.
Consumer complaint received 2017-02-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

I wrote Bank of America and stated that I wanted to close my credit card which was a secured credit card. I put {$500.00} to get this {$500.00} secured credit card. The balance owing at about that time was {$440.00}. I stated in the letter that I was authorizing them to apply the {$500.00} deposit to the account and refund the difference. I did not hear back from them. The next month 's statement showed a {$99.00} credit. I wrote them back again giving them a copy of the first letter. I wrote them back a 3rd time and gave them a copy of the first letter. I still did not hear from them but I did continue to receive statements adding interest and a $ XXXX/mo charge for missing my payment. Just a couple of months earlier, I had withdrawn my checking and savings and money market accounts from B OF A and began using a local bank. I am not sure if this is related or not, but no wonder I do n't want to use B OF A. I sent all letters to the address for disputes in XXXX XXXX, TX as per B OF A 's instruction on the front and back of their statement.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I obtained a secured loan with XXXX XXXX XXXX XXXX for {$1000.00} on XX/XX/XXXX. This is not an actual loan where they provide {$1000.00} - it is an artificial loan where they are paid $ XXXX to report on my credit positively. 

Long story short - I had my credit card on file and I had been charged monthly without any issues. For some odd reason, during XXXX and XX/XX/XXXX- my card payments did not process and I was slapped with 2 late payments. 

I reached out to the company and asked them why they did that considering that my card on file was not removed. 

There are a lot of complaints about this company for screwing over their customers by refusing to refund people. They claim they would refund 50 % or more of what I paid but I haven't been refunded for anything. 

I just want those late payments removed because I did NOTHING wrong and it is on their end for having failed to process the payments.
Consumer complaint received 2021-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (CA)

In 2016 an ex-spouse unwillingly opened an XXXX account in my name. I paid the account off in full. I disputed with XXXX 5 times. XXXX and XXXX XXXX are being dishonest and reporting it as an open account thats been paid off in full through XXXX XXXX XXXX. Id like for this to be resolved properly and respectfully. XXXX are using dishonest tactics as well as XXXX.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

A XXXX XXXX collection account Amount {$160.00} is reported on my XXXX, Experian & XXXX XXXX Credit Bureau reports since XXXX XXXX.I have forwarded a Police Report on Stolen Identity dated XXXX XXXX to XXXX XXXX, but this account is still reflecting on the Credit Bureaus reference XXXX
Consumer complaint received 2022-02-26
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, has violated my rights.

15 USC 1681 section 602 a states i have a right to privacy.

15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2016-11-18
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I wished to try XXXX product so I used my master card and charged {$6.00} and received a small jar of anti-wrinkle cream instead of lash cream. There was no contact info on anything. On XXXX/XXXX/16 I received an e-invoice from XXXX stating I owed them {$86.00}. I immediately called Bank of America Mastercard and asked if a charge from XXXX was on my bill, the person said no. I explained the situation and was told I could not stop the charge but once the charge was made I could dispute it. XXXX charged my account twice for a product I did not want. I call the Bank and asked that no charges be put on my account for 3 months and was told by XXXX of Arkansas that he could not block the card and to just dispute the charges. I called back and got XXXX from Virginia who cancelled the cards and sent me a new card. I complained to the Bank and at first they took the charges off but after receiving a letter from XXXX, see attachment who said they have a tracking number for the package the Bank put the charge back in the amount of {$170.00}. Why would I want t pay {$86.00} for product that normally costs {$34.00}, see attachment. XXXX might have a tracking number but I never singed anything and did not get the merchandise. Therefore I can not return it.
Consumer complaint received 2022-10-02
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. (GA)

In accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.