davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), it states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Equifax and XXXX are consumer reporting agencies, and I am the consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801. It states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' The furnisher of information to credit agencies is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to credit agencies never informed me of my right to exercise my nondisclosure option. 
The financial institution and the consumer reporting agencies XXXX, Equifax and XXXX do not have my consent to furnish this information, and they surely do not have my written consent. Any and all consent to XXXX, Equifax, XXXX, or the furnisher of information to credit agencies, whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 
Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. '' 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) states " 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. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Equifax and XXXX are not maintaining reasonable procedures.
Consumer complaint received 2022-09-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (IL)

On XX/XX/XXXX I purchased {$5000.00} XXXX from XXXX and put it in my coin base wallet. I did the same on XX/XX/1928 XXXX and XX/XX/XXXX {$5000.00} each time so my wallet had {$25000.00} and a week later I went to check my earnings and my coin base wallet was empty. I have the last email of coin base describing what and how this happened by a third party which was not authorized by me and doesnt make their wallet to safe
Consumer complaint received 2019-12-19
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Navient Solutions, LLC. (OK)

After many weeks of receiving hourly phone calls from Navient, I sent them a letter instructing them only to contact me by mail, per the Fair Debt Collection Practices Act, and the calls stopped, although they have emailed me a couple of times. Today, XX/XX/19, the mother of a friend from middle school let me know that Navient had called HER and left a message for me. She is not listed as an emergency or secondary contact in any of my paperwork ; Navient should not have her number unless they dig it up themselves. This is a huge breach of privacy and a clear violation of the FDCPA, given that I had instructed them to only contact me by phone and that they contacted someone completely unrelated to me and told them they were looking for me regarding student loan debt. Per the FDCPA : " a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. '' Navient clearly violated this. 

The person who contacted her was named XXXX XXXX, and she gave the reference number XXXX and the phone number XXXX extension XXXX.
Consumer complaint received 2019-12-19
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. (CA)

The information is incomplete, please do a Validation XXXX XXXX Reported : XX/XX/2019. 
{$91000.00}
Consumer complaint received 2023-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (IA)

I have been attempting to establish tax escrow on my loan for over a year. I have provided all documentation requested multiple times, but never received a reply, and tax escrow is never established. I do not think my servicer is compliant with requirements under Reg X/RESPA and at this point have no faith they will ever establish tax escrow on my loan. 

I have included a copy of the most recent set of documents provided in XX/XX/XXXX along with all the information requested by their online form they require I use every time. 

I last provided and communicated this to them a final time with all possible information in XX/XX/XXXX after making another tax payment myself, and they again did not establish the account. I received another noticed from my county tax office that a payment is due for XX/XX/XXXX. When I called my servicer today, they advised they " see multiple requests in the system- but it wasn't being done for some reason ''. They advised I would need to pay it again, send the receipt and all information again ( now the 3rd or 4th time information will be provided ). This call was over 30 minutes long, as all the others have been. 

- multiple occasions requested ( and noted in their system ) tax escrow added, most recently XX/XX/XXXX. 
- provided all required documentation requested by servicer, by submitting to their website - provided documentation on multiple occasions, including every possible document available to me from my county tax agency- was never contacted as to any issue or defect with submission, never received any reply - multiple phone calls 30+ minutes in length, most recently XX/XX/XXXX - no information, documentation, or response available online to reference this issue at any point - no phone call received about this matter, only contact ever from them is marketing and ads- again advised XXXX pay it myself and call back with a ticket number so they will take care of it- in XXXX, advised the company that their failure to establish escrow over multiple requests was a servicing violation and advised i wanted to file a complaint and escalate the matter, but nothing was done
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I had my identify stolen and multiple unauthorized transactions were made on my Chase bank account. One of these transactions was a wire transfer that Chase has not yet corrected. 

On XX/XX/2022, an unauthorized wire transfer for {$20000.00} was made to XXXX ( XXXX XXXX XXXX  ). As soon as I found about this unauthorized transaction, Chase was notified and a police report was filed. 

Filed a claim with Chase on XX/XX/2022, claim number XXXX Despite waiting several months and spending numerous hours on the phone with Chase and their fraud department, I have not yet gotten my money back and they are not helpful with resolving this matter. The chase fraud department told me that there is nothing they can do and they can not reverse the transaction. Chase also has not yet been able to contact the recipient bank ( XXXX XXXX XXXX  ) and Chase told us to get our own lawyer to get the money back.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XX/XX/2022 account number XXXX XXXX XXXX XXXXXXXX XXXX account number XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (FL)

On XX/XX/XXXX I did a few transfers out, which exceeded the available balance, therefore I immediately did a transfer back for {$100.00}. to avoid any fees. For some reason the transfer, which was done from USbank 's website took five days. I called to request a refund of the overdraft fee. They responded that I do not have " a relationship '' with them so they can not refund the fee. Yeah, no relationship... It took me longer than a month to open this account because of myriad glitches and mistakes on the bank 's side. Obviously, my momentary mistake, which was not corrected because of their slow transfer process, was much heavier than theirs - making this 'relationship '' much difficult than it should be
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (VA)

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. 
DEP OF EDXXXX XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Carrington mortgage force placed insurance on my loan XXXX i already had insurance through my hoa. CMS. Carrington, added XXXX. XXXX on my monthly payments in XXXX, send me to foreclosure for the overcharges of insurances and violated the hardship not applying forbearance and repayment plan after the hurricane in XXXX in Florida XXXX XXXX, mortgages were not sending to forclosure carrington supposed to help owners after huracan, l lost my business, it got shut down the building, for 3 months, due to flood and damages And carrington send me to forclosed my account charging me extra XXXX. Force place insurances that never was corrected properly it was still overcharges erros. I called for 2 years for correction and erros negligence, I paid a lawyer to modify my loan XXXX. Carrington didnt modify the loan actually send me to foreclosure Ruin my credit for 3 years. I hired another lawyer that charged me XXXX. and more to fight foreclosure within 3 years Carrington didnt offer me loan modification correct loan or repayment plan, nothing l want to take legal actions for mental stress, l was finishing paying loan In 10 years at that time XXXX,. Not now they took me out my good loan put me in a longer 20 year or more more money more charges. Didnt put loan on forbearance on XXXX did nott offer nothing. After pandemic actually ruin my credit more charging fees in XXXX XXXX while payment on phone etc. is a predatory mortgage violated rights as a consumer and more mental stress and l lost XXXX more on lawyers. I need that money to paid morgage not lawyers. Total Negligence not offers of modification and forbearance and ruining the credits after the covid pandemic. Total abused XXXX XXXX
Consumer complaint received 2023-03-08
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. (MD)

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 and other adverse items of information. other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have notified XXXX multiple times of these unauthorized inquiries, and they still remain on my report. XXXX refuses to comply with the FRA and remove these UNAUTHORIZED inquiries on my report. PLEASE SEE ATTACHED!!!
Consumer complaint received 2023-02-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

The following creditors referenced below are reporting a fraudulent account to my credit report, after providing substantial information verifying that I am indeed not the owner of this account and therefore am not liable for this debt that exists as the direct result of identity theft. 

XXXX XXXX ACCT NO : XXXX BANK OF AMERICA ACCT XXXX : XXXX XXXX ACCT NO : XXXX XXXX  ACCT NO : XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Dear Consumer Financial Protection Bureau, I am writing to dispute the inclusion of an erroneous accounts XXXX XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX  XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX  my credit reports, which is currently in litigation due to these accounts being an unfortunate conclusion of human trafficking Despite my multiple requests and submission of supporting documentation, these accounts are not belonging to me the inaccurate information has not been rectified. I have diligently asked the credit reporting agency to remove this inaccurate account on multiple occasions without success. I now invoke the estoppel by silence method, a legal doctrine which posits that silence in the face of a duty to speak may give rise to an estoppela legal bar that precludes any entity from asserting facts that are inconsistent with their failure to correct this inaccuracy. By neglecting to remove the accouns the responsible party is effectively complicit in perpetuating false information on my credit reports. I kindly request your intervention to ensure that the appropriate entity adheres to its obligation to accurately report information. The continued presence of this account not only harms my creditworthiness but also violates the principles of fair and accurate reporting mandated by the Fair Credit Reporting Act ( FCRA ). I trust that, through your oversight, the responsible entity will promptly remove the inaccurate information from my credit reports, rectifying the harm caused to my credit standing. Thank you for your attention to this matter.
Consumer complaint received 2022-09-24
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)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (UT)

I finally paid off my full student loan to Navient in XX/XX/2022. I did so around the same time another auto-payment was being made causing my account to be overpaid by {$100.00}. I requested a refund in XXXX and they said they processed it and it would be returned to my bank account within a couple months. I never got the refund and have requested another update from them without resolution. What can I do to get my over payment refunded to me? 

Thank you XXXX
Consumer complaint received 2015-08-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

Hi - I am dealing with Greentree Mortgage Servicing trying to get a loan modification/deed in lieu since XXXX 2014. I have had them call me numerous times and rather than assist me, they have hung up on me when I answer the phone. I was have been sent several contradictory papers which are all very confusing. When I try to call of course my phone is traced and I go directly to the collections department and I am yelled at and hung up on. I was recently approved for a loan modification but when I called to get specifics as to how it works I was told I was approved for a 40 year adjustable rate mortgage. I asked why I was not advised of this in the beginning. The gentleman I spoke to never explained why. Several days later I received a call back explaining that was incorrect but this was AFTER the paperwork was supposed to be turned in. 
I did receive new paperwork but it had the same OLD dates on it. I called to verify that I could send in the paperwork. Again, I was only allowed to speak to XXXX my account manager after pleading to speak to someone in loan modification department. He refused to transfer me an assist me. I called back and was told my phone number was tracked. I then borrowed a phone and used it to call one of the extensions I had been left via voice mail in the loan modification department. I never to this day have received a call back. I finally received a call from XXXX and he assured me he would call me back at noon the following day since my cell phone gets no reception at work. He did not call me until XXXX. I then called him on Monday my day off. I am trying to get assistance with my mortgage payment from Green Tree but it seems as though they do not want to help.
Consumer complaint received 2022-09-24
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. (TN)

I sent a certified letter to XXXX, Experian, & XXXX in XX/XX/XXXX requesting the bureaus provide their method of verification for a XXXX  XXXX & XXXX XXXXXXXX bankruptcy listed on my credit report. I also contacted the court house in GA & TN in XXXX & was advised the court does not provide bankruptcy information to credit bureaus. I spoke with XXXX, XXXX employee on XX/XX/XXXX and requested the method of verification & was advised XXXX provided this information. XXXX was unable to verify they received a copy of the bankruptcies themselves & referred me to contact XXXX. XXXX confirmed XXXX received my letter in XXXX & stated she would note my dispute Confirmation XXXX. I called XXXX representative XXXX XXXX badge number on XX/XX/XXXX. The representative advised they used a 3rd part service called XXXX. Rep stated she could not verify the bankruptcies and would file a dispute so XXXX could verify how the information was verified & initiated a dispute. XXXX is not 100 % accurate and should be utilized as a primary source for verification. Also, to my knowledge, per FCRA-a dismissed bankruptcies should be removed because there is no proper reporting of a dismissed bankruptcy. Per FCRA the credit bureaus must provide upon request a letter showing the method of verification used. I did not receive this and I requested this in XXXX. XXXX does not provide 100 % accuracy and without the credit bureaus obtaining any information directly from the court house, how can they report two bankruptcies without proper verification. Please further review and request all bankruptcies be removed from my report. XXXX XXXX reference # XXXXXXXX XXXX XXXXXXXX reference # XXXX Ive attached documents to confirm my identity. 
Thank you