davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-09
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: Experian Information Solutions Inc. (CA)

In XX/XX/2020 I submitted three credit disputes with the credit bureau Experian. The accounts I was disputing were three student loans through XXXX XXXX, restructured under bankruptcy to XXXX, and then again filing bankruptcy under XXXX. The three student loans, under XXXX, were charged off as bad debt and thus were no longer legally collectible. Not only were they charged off but XXXX subsequently went into bankruptcy later due to predatory loan practices, so those liabilities they were holding were charged off as well. With all that being said, after submitting my dispute with Experian those three XXXX accounts are still on my credit report as holding an amount owed by myself. It is my understanding that once a debt is charged off it is illegal to try to collect any of that amount under law. This is my issue with the way Experian is reporting those three XXXX accounts.
Consumer complaint received 2019-12-30
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. (NY)

i am filing this complaint because experian, XXXX, and XXXXhas ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra - they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.
Consumer complaint received 2019-12-30
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. (NY)

i am filing this complaint because XXXX, transunion and XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra - they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.
Consumer complaint received 2023-01-16
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. (NV)

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2019-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2019 my daughter was contacted by XXXX XXXXXXXX XXXX of XXXX TX, soliciting an opportunity for her to refinance her mortgage for her home in XXXX, VA for which I cosigned. She asked a few questions and told them she was NOT interested, however, they ran a hard inquiry on my credit, without any approval from my daughter or myself. I have contacted XXXX XXXX who refuse to remove the unauthorized, fraudulent inquiry. This inquiry has impacted my car insurance rates and could impact my employment. Therefore, I need it corrected ASAP.
Consumer complaint received 2019-12-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello my name is XXXX XXXX, on XX/XX/2019, I opened my Bank of America App on my phone and noticed a series of transactions under my name adding up to {$4500.00}. After that I proceeded to search for my card and found out that it was missing. I went on the app, quickly closed the account and attempted to contact Bank of America Fraud department, but was not able to sue to the long hold time of over 1.5 hours. On XX/XX/XXXX, I called BOA. The representative that I spoke to had no interest in solving the issue ; I had to pressure him and guide him into filing the claim. I notified him of every transaction and notified him that my card was lost during the incident. In the following 3 days the claim was opened and my account was reimbursed for the temporary credit. However, on XX/XX/XXXX the credit was reversed and my account was charged again. I contacted Bank of America and reopened the claim. I was told to file a report for identity theft. I have done so and faxed it to them numerous times. I also attempted to contact the police department in XXXX California to report the charges, but I was told that I have to report it to the police department in XXXX XXXX and where the transactions took place. I proceeded to do so, but was told by XXXX XXXX XXXX that the report has to be filed in person by one of their officers and I live 500 miles away and have no way of driving 10 hours through the snow to get to that location. 

Bank of America customer service representatives are not being helpful as far as providing me the guidance needed for me to protect my account and are not interested in investigating my claim. They are also holding me responsible for the amount that was placed fraudulently on my account.
Consumer complaint received 2023-02-07
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. (MA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the Equifax are required by federal law to verify - through the physical verification of the original signed consumer contract - anyand all accounts you post on a credit report. Otherwise, anyone paying for your reporting services couldfax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original ConsumerContract with my Signature on it ) you have on file of the accounts listed below. The Equifax failureto positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiedaccounts must be removed and if you are unable to provide me a copy of verifiable proof, you mustremove the accounts that was included in the FTC report attached on this complaint.
Consumer complaint received 2022-10-24
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. (NC)

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2020-06-09
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: EQUIFAX, INC. (MS)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2019-12-30
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. (PA)

Transunion on XX/XX/XXXX responded to complaint number XXXX regardinging XXXX. they replied they could not delete the XX/XX/XXXX transaction done by XXXX in which I stated to transunion it was fraud. Fraud has rights of been deleted due to the drivers lic number, date of birth and social security number is not me as stated on the application. transunion has not provided no documents to shown from that application that information as the date of birth social security number or that drivers lic is in my name. There has been complete fraud done by XXXX XXXX of XXXX XXXX. I have also filed a US Attorney complaint on Transunion with the document as proof the social security Number is not me date of birth is not me and the drivers lic is not me to the US Attorney office on Transunion. the application is complete fraud.
Consumer complaint received 2018-03-03
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)

On XX/XX/2016 I was denied a XXXX  loan forgiveness request through Navient. The reason given is that I had taken out a second loan to pay for school after my first year of college. I had worked XXXX XXXX XXXX XXXX XXXX XXXX XXXX which qualified me for this loan forgiveness program. I want to know what recourse I have for this company unlawfully denying me the loan.
Consumer complaint received 2019-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Livingston Financial, LLC (OR)

I submitted a compliant with CFPB ON XX/XX/XXXX and explained my side of the story. The debt is not mine, I also then went down to the court house and got copies of everything that was submitted for the case by the Plaintiffs. In that paperwork ( attached ) it notes that the DOB is XX/XX/XXXX which is not my date of birth. My date of birth is XX/XX/XXXX. Today during the hearing I presented the paperwork that Livingston had submitted. XXXX who is representing Livingston was not present but via phone. XXXX asked me a few questions and then I was giving the chance to talk I pointed out that I had my credit report and the debt is not listed, I also pointed out that the DOB on the paperwork is not mine. I also confirmed that I was not served and XXXX said they were going to close the case and return the garnishment immediately. However they wanted me to proof where I lived in XXXX. The judge agreed with Livingston in everything and then asked me if I was OK with the decision. I appealed the decision since in the court of law is what you can proof and I have been providing everything I can to show this is not me and Livingston has not provided anything just accused me. I have had to use my vacation time for the day I went in to challenge the garnishment, the first appearance that they were a no show and today, to get paid as I can not afford to miss any day. And yet Livingston wants me to contact them to provide some sort of verification of my residency in XXXX. Again I have been treated unfair and I'm asking to be compensated for this and not have to be harassed by Livingston any further.
Consumer complaint received 2022-10-05
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn out of sending dispute letters to Experian requesting that they correct these mistaken accounts being stated on my Credit File because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XX/XX/2022, and to notify them that I am halfway through taking lawful action and litigating Experian for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the accounts on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The accounts that should be adjusted are as follow : XXXX Bank XXXX, XXXX Bank XXXX XXXX, XXXX XXXX  Card XXXX
Consumer complaint received 2019-12-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (MI)

A debt collection company has failed to validate the debt and provide valid legal proof that the debt is owed. I don't remember going into any contractual obligation with the original creditor are agreeing to an open contract are receiving any good services with the original are a debt collector. The debt collector is damaging my credit and has accessed my credit report without my permission and is invading my privacy and defamation of character. The debt collector has failed to comply with the 30-day requirement to validate the debt per Fair Credit Reporting Act and Fair Debt Collection Practices Act and must stop harassing me and violating my statutory rights by trying to collect this unvalidated debt by a valid ( wet ink ) contract. The company is proving false information that I owe them to all three Credit Bureaus, XXXX, XXXX, and XXXX. 
The account they are reporting under on my credit reports is # XXXX.
Consumer complaint received 2017-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Protas, Spivok & Collins. LLC (VA)

I have been contacted by  XXXX   XXXX  regarding a debt I due not owe with  XXXX   XXXX  Apartments.  XXXX   XXXX , of the apartment community issued this debt based on a falsified statement regarding a  six  month lease that did not exist. Upon request of proof of any agreement to payment of the specified amount, I received no response. This debt is now in litigation with Protas , Spivok & Collins , LLC. I submitted an official debt dispute letter on  XXXX   XXXX  ; however, upon daily calls to  XXXX   XXXX  to follow up on the status of the debt and request removal of the chargeoff or a hold based on discovery, I have received no response.
Consumer complaint received 2019-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (CT)

I have an American Express credit card. I was three days late making my XXXX payment and they increased my interest rate from 15.24 % to a penalty rate of 29.99 %, and hit me with a {$39.00} late fee on top of that. Since I have a balance of about {$9200.00} this would result in me paying an additional {$1400.00} per year in interest which is three orders of magnitude greater than any harm that Amex may have  suffered by me being three days late paying them. I called their customer service and requested that they reduce the rate back down to the original rate of 15.24 %. The first representative I spoke to was named XXXX, refused to and told that they could do this because it was in the agreement. 
I then asked to speak to her supervisor. Her supervisor was named Mrs. XXXX. She also refused to reduce my interest rate back down to the original 15.24 % and justified it because their account agreement allowed them to do so. I asked her how much me being three days late making my XXXX payment cost American Express. She refused to answer my question. I believe that the cost to Amex of me being three days late paying them was less than XXXX dollars, and they also hit me with a {$39.00} late charge on top of that. So, as far as I can tell they suffered no net harm at all from my being three days late paying them. I asked to invoke their dispute resolution process and Mrs. XXXX claimed that she did not know what I was talking about. 
I also noticed on the CFPB website that credit card companies can only increase interest rates if you are more than 60 days late. I was only three days late in this case. 

Under commercial law the contract clause that Amex relied on to increase my interest rate to 30 % is considered to be a liquidated damages clause. In the case of liquidated damages Amex is only entitled to an amount commensurate with the harm they sustained by me paying them 3 days late. Since interest continues to accrue and they charged me with a {$39.00} late fee on top of increasing my interest rate to 29.99 % they have suffered no ascertainable harm. They have used my misfortune that caused me to be three days late paying them to unjustly and grossly enrich themselves to the tune of about {$1400.00} in addition interest I will have to pay them in the next year, and every year afterward at my current balance with them.
Consumer complaint received 2019-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hello, I have an account with Bank of America. They are charging me a monthly service fee of {$12.00}. In order to waive their fees, you must have {$250.00} in direct deposits coming into the account on a monthly basis. I get paid twice a month on the XXXX and XXXX and at which point I deposit {$120.00} per paycheck to Bank of America. This totals {$250.00} a month. They have been charging {$120.00} in monthly service fees. The only reason I have this account is because of the fourteen year old account.
Consumer complaint received 2019-12-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

This complaint is regarding Flagstar Bank. This is a continuous complaint from last year which I was resolved and they assured me that I wouldn't have this problem again. Per Flagstar they XXXX out my taxes and just put XXXX in the would be taxes area, to prevent further collection in the future. My taxes have been deferred on my mortgage since XXXX. It also shows deferred in their system as well. For the second year in a row, they have paid my deferred taxes resulting in a negative escrow balance for me. A negative escrow account means my payment will go up at least 100 %. My taxes are deferred because I am XXXX XXXX XXXX. Flagstar sent the most recent payment to XXXX County on XX/XX/XXXX. It's XX/XX/XXXX, I have been calling Flagstar to get this resolved, however even though they're opened today, they have the 24hr automated response on their phone systems so I can't get through to an actual customer service representative. 
Bellow is the initial complaint I filed with CFPB that Flagstar resolved by crediting my account and readjusting my payment. Only to have the same thing done again. 

I have a mortgage loan with Flagstar since XXXX. My taxes have been deferred due to my XXXX XXXX since XX/XX/XXXX-XX/XX/XXXX. Deferment means the county doesnt collect on my taxes however they still accrue but Im not required to pay them until I sell my home. In XX/XX/XXXX I received a new escrow analysis from Flagstar with my payment going from {$900.00} to {$1700.00}. I called Flagstar and told them that my taxes were deferred which was also reflected in their system. They said it would be corrected. As of XX/XX/XXXX they informed me that there was nothing that could be done about it. I explained to them that this wasnt my fault and it was a mistake on their part. Not only that, I set up an automatic payment for the {$900.00} because I was told my payment would still be the same. Today they withdrew the full {$1700.00} from my bank account. Now my account is negative and all pending payments sent for bills will be returned. Please help me. Im on a fixed income and can no longer afford my mortgage because of their mistake! 
Thanks for your help in resolving this matter
Consumer complaint received 2019-12-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Union Home Mortgage Corp (CA)

Back in XXXX I was Contacted By A ( Licensed S. Loan Officer ) By the name : XXXX XXXX in witch he Asserted me that he would be the total point of contact with my loan, And that I qualified if I provided the following Documingtation. A credit report was Pulled. At that time XXXX would constantly communicate with me and all seem legitimate. After the 2nd week. I would never speak with XXXX XXXX again, Only via Email, witch I found very suspicious to begin with. On XX/XX/XXXX I made the attempt to call and find XXXX. Not to be found anywhere. I would call many time and finally, I received a call from XXXX XXXX, in witch he stated a few things I needed addressed on my Appraisal Report. I did all that was needed. three months have passed and I now start to Contact Headquarters at  UnionHomeMortgage. To this day XX/XX/2019 I still have not hear from XXXX XXXX And my loan amount has Increased in amount by adding Rate locks, Creating a larger Loan amount that I originally started. all the Fees are going Up and I now think that this is all done intentionally. I would like to have someone At Union Home Mortgage Contact me direct : XXXX and or have the CFPB look more into this matter. At this point my damages have been substantial. I needed to refi to pay off the Hard Money Loan on property. I now have to start with another Mortgage Company and start the process all over again. New Credit Pull, Appraisal cost, Time, I have to pay an extension fee to the current Lender, Etc. Please Help!! 

thank you.
Consumer complaint received 2023-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2013 ; XXXX  XXXX Balance : {$0.00}.