davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (LA)

I requested assistance from my lender multiple times and they denied me for review from anything other than lump sum payments towards my delinquency. On XXXX/XXXX/2015 I sent in a complete package for a review for the Making Home Affordable Program. On XXXX/XXXX/2015 a paralegal from my attorneys office called the lender and spoke with a XXXX, at Vanderbilt, and asked for an update on the modification review. The representative stated that they reviewed me for an assistance request in XXXX and offered me to make a lump sum payment of XXXX mortgage payments towards my delinquency and because I did not accept that, that they are not required to review me again for an assistance request. When clarification was asked for not reviewing me again for assistance, the representative stated, " well unless we see a dramatic difference we wont look at it again. " Please help. I know I am eligible to be reviewed for the making home affordable program and my lender is refusing to give me a fair review.
Consumer complaint received 2022-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (IL)

I received a letter from Midland Credit on XX/XX/XXXX stating theyre trying to collect a debt that not only in 2019  was ruled identity theft but reported to CFPB. There is also a case with CFPB on them for attempting to collect this debt in a few years back. Now its 3 years later and theyre illegally attempting to use scare tactics to collect one something not owed to them. There is a legal affidavit filed for this and they are still trying to collect. Not only was a complaint filed for this but also illegal debt collecting practices over the phone and a letter was sent out requesting Identity of the debt collector, including name, address, and phone number The amount of the debt, including any fees such as interest or collection costs What the debt is for and when the debt was incurred The name of the original creditor Information about whether you or someone else may owe the debt They clearly cant understand whats going on because in XXXX complaint XXXX with a ftc affidavit attached they stated please provide one which was given to them already and the company they claim to have gotten from. Attached is a copy proving this was attached. They were also physically mailed this in 2019, had an attorney general report and have the XXXX cases to prove this was all provided and reported
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AZ)

On XX/XX/2022 Equifax reported that I had no public record because of a dispute I submitted. On XXXX XXXX Equifax put a public record ( bankruptcy ) on my report without notifying me. I never received a 5-day notice of the re entry. This is fraudulent and against the FCRA according to 15 U.S.C. 1681-1681X
Consumer complaint received 2022-04-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Financial Freedom Mortgage, LLC (FL)

In XXXX of XXXX my husband and I were considering a refi of our current mortgage as rates were low and we were considering home improvements. My husband received an offer from Financial Freedom Mortgage and we decided based on closing costs etc to not go with the loan, instead we used the funds we saved. My husband received another call from Financial Freedom Mortgage on XX/XX/XXXX asking if we were in the market for a refi, I heard his response as I was sitting right next to him, he said NO. The woman asked for a meeting with us. He said my wife would never agree to this. The woman asked if a manager could speak with him the next day. He said the manager could call but rates are too high. My husband never gave permission to pull his credit nor did I speak to anyone giving them permission to pull my credit. I was notified by XXXX XXXX later that day that my credit was pulled. The manager called my husband on the XXXX. My husband told him that they had no permission to pull our credit. The manager denied having hard pulled our credit but of course they did. Now we are receiving calls all day long from mortgage companies trying to get our business. They had no right to do this and I feel very at risk because all the mortgage companies calling seem to have access to our credit scores. Since my husband told the manager at Financial Freedom Mortgage what they did they have not contacted us again and when we try to call them they dont take our calls. I want them to contact the credit bureaus and notify them of their error. They will not take our calls.
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (NC)

On XX/XX/XXXX, I sent Navy Federal remittance check registered and certified mail and it was signed for and received on XX/XX/XXXX. Payment due date was XX/XX/XXXX although I sent it in on time and it was accepted. Of course, I was charged a late fee and the charges and account was sent to Collections. My account was not updated to reflect payment for three weeks to a month and I did not hear from Navy Federal. 

Called them several times ( XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ) and was given the run around ( including speaking to several people from the Remittance Dept. ). Was told the original form of remittance I sent will not be accepted although they did not return it to me. 

Called today ( XX/XX/XXXX ) at approximately XXXX XXXX  and spoke with XXXX and XXXX ( Collections Dept. ). XXXX, who tried his best to get some resolution however his Supervisor did not speak with me but gave several responses that did not make sense through XXXX. XXXX states the Mail Remittance Dept. was closed and she would get more details since someone she spoke with in Electronic Remittance states I would have to request the remittance check I submitted in writing. I explained to XXXX that this all makes completely no sense however I will wait for her call tomorrow. 

Navy Federal 's refusal to accept the remittance check is an impersonation of Congress, which is a VIOLATION under Article 1 Section 8 Clause 1 and 5, as well as 31 U.S. Code 5118 ( d ) ( 2 ).
Consumer complaint received 2022-03-23
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. (SC)

On XX/XX/XXXX I submitted a dispute regarding two student loans that have been paid in full and accounts closed as of XX/XX/XXXX. XXXX has them listed as open. XXXX is in excess of $ XXXX and one in excess of $ XXXX. All of my student loans ( a total of 14 ) have been forgiven by the Dept. of Education. XXXX dispute resolution returned no change in status. 

I called and spoke with a rep and was told I need to submit proof documentation. That THEY HAVE NO WAY OF CONTACTING ANYONE TO VERIFY. I had just hung up with someone from the Dept. of Education, by calling an XXXX number that is listed very clearly. 

On XX/XX/XXXX, I disputed these loans again w the documentation. Again, the loans were not removed. I called the Dept. of Education to ask if they could contact Experian bc I was having such a hard time. They sent me a different document and told me that Experian SHOULD BE CONTACTING THEM IF THEY CAN NOT UNDERSTAND WHAT IS SENT. 

On XX/XX/XXXX I submitted a third dispute with this document. On XX/XX/XXXX, the dispute was completed and I was not notified or able to see the results. When I called Experian, I was told that the original document sent to Experian in XXXX of XXXX was unable to be opened b/c there was an error message on the attachment. I told them that I have sent a copy of that document and I was told it has to be received from the originator and that I will have to contact them to resend the information. I informed him that the document IS from the originator. I was told that that document could be forged so it must come directly from the Dept. of Education. 

During all of this, they have also dropped my credit score XXXX points for no apparent reason. Nothing has changed at all other than my trying to resolve their issue of not removing incorrect information on their part. 

Experian distinctly shows their dispute services as THEY WILL CONTACT ANY COMPANY TO VERIFY INFORMATION.
Consumer complaint received 2022-03-23
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: Santander Consumer USA Holdings Inc. (FL)

I have 3 unknown Hard Inquires on my report that i was unaware of when shopping for an auto loan, that i did not give consent for. I was shown at XXXX XXXX that they would check my credit with XXXX XXXX and i was approved with them. The other XXXX auto finance companies i was not aware of or gave consent for was for XXXX XXXX XXXX, XXXX XXXX XXXX, and Santander Consumer USA. I disputed these inquires to the Credit Bureaus but they told me they could not remove them.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (AP)

on XXXX XX/XX/2024 I was offered a what seem to be a reasonable job opportunity from a spouse on our military XXXX page and proceeded to ask about details and job description and they had sent me a link to talk to a potential hiring manager for a company called XXXX a man named XXXX XXXX he proceeded to talk to me about the job description requirements and what I would potentially be doing for the company and proceeded to ask for basic information of myself as part of the hiring process sent me a questionnaire of the job that looked like what they wanted the requirements I believe I as they had asked for a copy of my drivers license and social security number to verify my identification using ID XXXX as well as my banking information and told me that I was to send them an amount of {$650.00} to XXXX separate XXXX accounts to a XXXX XXXX ( email XXXX ) and a XXXX XXXX phone number XXXX in order to start the payroll process and get a G.I. tracker in payroll as an employee and once the money was sent, I have not heard anything back and was blocked from the lady herself on what was going on and what happened and the person XXXX has also yet to respond to me about the money he has taken for me and I believe I was scammed along with my identity being potentially stolen for their use.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XX/XX/2023 XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-23
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. (PA)

I was a visitor at XXXX XXXX XXXXs. They harassed and stalked me for days. They gave me a lot of alcohol and documents to sign. I woke up with a time share and mortgage I did not want. I asked them to remove it because I only wanted a free vacation. They used bribery and aggression in order to follow me and get me to sign while XXXX. Please remove this account from my profile. XXXX and XXXX do not report the account. It only shows via Experian. Please remove immediately
Consumer complaint received 2022-04-19
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. (PA)

XXXX XXXXXXXX XXXX XXXX is in violation of 15usc 1681 section 602a. They violated my privacy by sharing my transactions without my written consent. Experian is also. Further is the violation of 15 usc 1681 section 604a section 2. Please remove this account and its history off my consumer profile.
Consumer complaint received 2022-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am a victim of the XXXX security breach, and I also have collection on my XXXX report that has not been removed after I disputed it with XXXX and XXXX and they removed it from my reports. The collection is from Portfolio Recovery in the amount of {$680.00}. I do not recognize this collection and it is negatively impacting my credit score with XXXX.
Consumer complaint received 2022-03-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

HSBC CALLED ME 6 TIMES ON XX/XX/2022. I AM BEHIND ON MY PATMENTS. THEY CALL AND HANG UP. I HAVE TOLD THEM TO NOT CALL ME BEFORE XXXX AND AFTER XXXX. THEY REFUSED TO LISTEN. THEY HAVE PUT EXTENSIVE AMOUNT OF FEES, INTEREST AND LATE CHATGES ON MY ACCOUNT. I HAVE TWO CARDS. ALL OF THE FEES AND EVERYTHING COME TO {$400.00}. THE BIG THING IS THEY KEEP CALLING ME 8 TIMES A DAY. I HAVE NOT GOTTEN A BILL SINCE XXXX.
Consumer complaint received 2022-03-23
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: Global Lending Services LLC (FL)

I have 3 unknown Hard Inquires on my report that i was unaware of when shopping for an auto loan, that i did not give consent for. I was shown at XXXX XXXX that they would check my credit with XXXX XXXX and i was approved with them. The other 3 auto finance companies i was not aware of or gave consent for was for Global Lending Service, XXXX XXXX XXXX, and XXXX XXXX XXXX. I disputed these inquires to the Credit Bureaus but they told me they could not remove them.
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (OH)

1 outbound transaction from our account was paid twice, at exactly the same time, to the minute. On XX/XX/22 at XXXX our bank account paid our mortgage {$2200.00}, but did so twice. It was a duplicate transaction. Upon calling and discussing with a USBank rep, they acknowledged that that should not have happened, and yet, periodically does so. The exact matching time of both transactions was a giveaway of a bank error. Had the amount of the transaction been less, she alerted us that she could've fixed it with us while on the phone. Instead, we were guided to the appropriate form to file for a duplicate transaction and subsequently filed it. 

As of this morning, we have received a response letter from an investigative outfit within US Bank. It alerts us that they are unable to remedy the situation since we " authorized the transaction. '' Note that it does not acknowledge plural " transactions '' in that comment nor does it do so through out the rest of the letter. In fact, where the pertinent transactions are listed, only one is itemized. 

Ultimately, having paid our mortgage a month early is not that critical of an issue. But the seeming poor faith and/or banking incompetence here by this FDIC banking outfit is alarming. How many times do they duplicate a transaction and not remedy? What if this have been 10 of the same transaction and the bank simply claimed that they were unable to remedy. If/when they are alerted to a duplication, how often do they fail to actually investigate the array of transactions and instead focus only on 1. The Bank 's response seems woefully problematic, if not entirely inept.
Consumer complaint received 2015-09-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The XXXX credit agencies make it IMPOSSIBLE to get your free credit report. ALL their websites are confusing, and after you submit your forms they ALL give you an excuse about why they ca n't give you your report, and the excuse is ALWAYS wrong. 
PLEASE do something to make these XXXX companies COMPLY WITH THE LAW. 

Thank you.
Consumer complaint received 2022-04-19
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. (MD)

I have 2 charge offs on my credit report. These accounts are closed but yet they are still reporting late payments every month. I'm not sure why. Ive contacted the dealerships and was unable to get assistance and I also contact the 3 credit agencies Equifax, XXXX, XXXX and I was not able to get any assistance.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (MD)

I have 2 charge offs on my credit report. These accounts are closed but yet they are still reporting late payments every month. I'm not sure why. Ive contacted the dealerships and was unable to get assistance and I also contact the 3 credit agencies XXXX, XXXX, XXXX and I was not able to get any assistance.
Consumer complaint received 2022-04-19
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. (MD)

I have 2 charge offs on my credit report. These accounts are closed but yet they are still reporting late payments every month. I'm not sure why. Ive contacted the dealerships and was unable to get assistance and I also contact the 3 credit agencies XXXX, Experian, XXXX and I was not able to get any assistance.
Consumer complaint received 2023-06-29
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. (PA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-07-05
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: Bread Financial Holdings, Inc. (FL)

On XX/XX/2019, I placed an online order -Order Number XXXX for {$820.00} with XXXX XXXX. The order was charged to my XXXX XXXX credit card, sponsored by Comenity Bank. The order was for 2 items - a Picture ( XXXX + XXXX oversized shipping charge ) and a Candle holder. I received the Candle holder. The items were shipped separately, and noted in the shipping information for the picture it said shipper would contact me for delivery. I was never contacted. After waiting a few weeks, I reached out to XXXX XXXX customer service and was told that the customer service person would investigate and call me back. I heard nothing back. I made multiple attempts to contact XXXX XXXX again by phone, and also by email through the XXXX XXXX Website. Additionally I contacted the XXXX XXXX store located at XXXX XXXX and spoke with the Manager multiple  times, who reached out to the Area Manager, who unfortunately said they could not help me since this was not a store purchase. 
When I received my credit card statement and it included the charge for the picture, I contacted Comenity Bank and placed this into dispute. The agent I initially spoke with miscategorized the complaint, and I received a letter from Comenity Bank. I immediately spoke to a Comenity Bank supervisor who placed this back in dispute. This was in early XXXX. Comenity bank also had me submit a written dispute through their website portal. Today I received notice that Comenity bank has taken this matter out of dispute - DUE TO THE FACT THEY WERE UNABLE TO GET A RESPONSE OF ANY KIND FROM XXXX XXXX- and charged me back the {$670.00} dollars to my account. If I am unable to get a response from XXXX XXXX and take the steps to resolve it, and the Credit Card Company is unable to get any response - HOW CAN I BE HELD RESPONSIBLE FOR THIS CHARGE? It is unimaginable that XXXX XXXX has no obligation to respond to either the consumer or the credit card company, yet I am obligated to pay for something I did not receive. 

It is unthinkable. I spoke at length with Comenity bank today - and they said they can not do a thing about it, and they recognize my frustration, but basically, its my tough luck. What would stop any retailer from arbitrarily billing whatever they want on a consumers card if they do not have an obligation to prove that merchandise was shipped and received by the consumer. 

I can not escalate my claim any further - at Comenity bank and can not get in touch with XXXX XXXX, although I've left another message for them. So I'm left with no alternative but to file a complaint through CFPB. 

Please help me, this is unfair and unreasonable. If I don't pay, this will be a blemish on my CREDIT REPORT, and to be strong armed into paying {$670.00} for merchandise I never received is just unreasonable. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX