davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

PORTFOLIO RECOVERY ASSOCIATES ADMITTED ON XX/XX/2024 TO CFPB THAT THEY ILLEGALLY AND FRAUDULENTLY ACCESSED MY PERSONAL INFORMATION FROM XXXX XXXX ( ACCOUNT XXXX ). PORTFOLIO RECOVERY DID NOT RECEIVE DISCLOSURE FORMS FROM XXXX XXXX  WITH MY CONSENT STATING THAT I GIVE PERMISSION TO SHARE MY PERSONAL INFORMATION. PORTFOLIO RECOVERY HAS VIOLATED MY RIGHTS BY COMMITTING IDENTITY FRAUD!!! ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 15usc 6801 Protection of Non- Public Information. 15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received. 1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party. 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party. 3. The financial institution giving me an explanation how to exercise the non-disclosure options. 15 usc 6802 Disclosure of Institution Practice Policy
Consumer complaint received 2022-12-18
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. (ND)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-04
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. (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 XXXX XXXX. 
/ :. XXXX XXXX XXXX XXXX ACCT NO : XXXX PLACED ON MY EXPERIAN CREDIT REPORT. 
/ : XXXX XXXX XXXX XXXX ACCT NO : XXXX PLACED ON MY EXPERIAN CREDIT RPORT. 
/ :. XXXX XXXX XXXX XXXX ACCOUNT NO : XXXX PLACED ON MY XXXX CREDIT REPORT. 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. 1681 C. ( 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. 45U.S.C. 1681 S- 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 2022-12-18
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. (ND)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC (AZ)

Quit simple really. Ive been making my house payment for years. Started out low XXXX. Ive set up automatic pay at XXXX and it automatically pays the payment. 
Apparently the escrow account was low so they raised my payment to XXXX. Keep in mind that the dispersement goes out in XXXX so it no due for 10 more months. The same company the sold my information so I get XXXX of spare emails so I XXXX XXXX spam blocker must have sent the only notice they were raising my payment to shame I. My phone. Because I have paperless billing, they felt no need to send me a first or or a second notice. Im sure the corporate bean counter caught XXXX people out of millions on the same scam. 

The result is after not making one late payment to any one in over 30 years my credit went from XXXX to XXXX. Im ashamed to be an American The very institution that systematically just destroyed my credit very same company that will now profit from the very bad credit. They just created, found away to ruin a XXXX XXXX XXXX mans credit that I will never repair cause I wont live long enough. This is the American way. 

The good news is I own houses in XXXX, XXXX, XXXX, and XXXX all of them outright except for this one house I dont need credit I can buy cash for everything Im going to buy Its disgraceful that with out over sight that company can do this to a consumer with no recourse to the consumer This is intentional Im sure its a highly profitable maneuver that catches unsuspecting people. My mistake I never shouldve went to paperless billing because I have not received a piece of Bill anything in writing from this company in years until they sent me the {$69.00} notice that I sent a late payment they couldve sent me that same notice telling me my bill went up, but if they wouldve done that XXXX people wouldnt have been cheated They did it they did it on purpose and Im sure its very profitable Im just ranting because I know XXXX XXXX  and nobodys gon na do nothing because its big business to XXXX an honest person
Consumer complaint received 2022-12-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

In XX/XX/XXXX, I requested a refund on the eligible refundable amount that was paid during XXXX. The amount totaled to {$12000.00}. The loan balance on the accounts has been updated to reflect this amount, but I have not received any refund. I was told I would receive a check in the mail. I have called the loan servicer, Nelnet, and was not advised on what to do and was told that the Department of Education is dealing with it.
Consumer complaint received 2019-08-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Credit Corporation (NC)

I received an email about my loan application with Avant. I advised them I did not request a loan and they send me to their fraud department advising me to take all sorts of legal actions to prevent any unauthorized access, including a police report. I refused to do this action since it was a failure on their part to identify a fraudulent application. Their failure to properly identify and cancel the loan request has put me in risk for identity theft. I continue to receive emails to complete my loan application even after I alerted them to this activity. I am asking CFPB to look into this matter as well as the loan application process from Avant as they do no that the customer in mind and are only looking to process this loan request to boost their own bottom line.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-04
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. (GA)

I disputed this account ( XXXX XXXX XXXX Account Number XXXX ) on XXXX XXXX for continuing to report inaccurate information on my credit report. They did not due a proper investigation or provided me with the paperwork that they suppose to have that is required by the FCRA. They wrote me back the following month and only remove one month off my credit report that was showing charge- off. After that one month, they are continuing to report a charge-off every month. They are falsely manipulating the statue of limitations on this account after I disputed this account with factual information that their company provides. I will upload my original dispute letter. I have also contacted the creditor and they have failed to respond numerous times.
Consumer complaint received 2016-07-04
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (OR)

XXXX XXXX, XXXX Dispute Late Charges -- Specialized Loan Servicing -- Loan # XXXX To Whom It Concern : servicing company is Specialized Loan Servicing. The underlying lender is XXXX XXXX. It was a 10 year interest only with a balloon payment due XXXX/XXXX/XXXX. Due to a number of unforeseen circumstances including the housing bust, we experienced a difficult financial period. We had XXXX collections that were on our credit report for quite a while. Finally in the XXXX, we were able to pay off the collections and start to rebuild our credit scores. We understood this would be necessary in order to obtain a loan modification. Finally, in XXXX XXXX, our scores were above XXXX after being in the low XXXX. We were advised to contact the servicer of our HELOC loan and negotiate a modification with them. We did this. On XXXX XXXX, XXXX, the first package of documents were emailed to Specialized Loan Servicing ( SLS ) requesting a modification. Over the next eight months documents were submitted when requested. Finally on XXXX/XXXX/XXXX we received a notice that our request was denied due to the loan being a HELOC. 
It is our contention that SLS failed to negotiate in good faith. They knew from the very beginning that the loan was a HELOC and could have advised us of not being able to modify it in XXXX XXXX or XXXX at the latest. Instead they chose to prolong this over eight months while charging us with late payments each month. They have now single handedly destroyed our credit to the point that we are not able to obtain another loan to pay this XXXX off. We have contacted several lenders, including private money lenders, and due to the late charges, we can not obtain a loan. It appears that their goal is to put us into foreclosure. We do not want to lose our home of 14 years. We could have easily obtained a loan in XXXX or XXXX had we know they were not going to modify the existing HELOC. 
As a gesture of good faith, we continued to make the interest payments for XXXX and XXXX based on the bills we continued to receive from SLS during the negotiation period. A payment was made on XXXX/XXXX/XXXX in the amount of {$300.00}. A second payment of {$250.00} was made on XXXX/XXXX/XXXX. The XXXX/XXXX/XXXX payment was returned to our account on XXXX/XXXX/XXXX. XXXX/XXXX/XXXX payment returned on XXXX/XXXX/XXXX. When I questioned this, I was told by a SLS representative that they would not accept any payments that were not the full amount. They could have easily told me at that time that they would not do a modification on a HELOC. 
Again, we do not feel that SLS has negotiated in good faith, they knew from the start the loan was a HELOC and their policy not to modify a HELOC and they deliberately prolonged the negotiation period to allow them to systematically destroy our credit rating with late payment charges. 
We respectfully request these late charges be removed, our credit ratings be restored and in order for us be able to obtain a new loan to pay off this HELOC.
Consumer complaint received 2022-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MI)

I XXXX XXXX am submitting this complaint without any assistance from a third party. Attached below is my FTC Identity Theft Report and full compliant. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit.
Consumer complaint received 2022-06-04
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: NAVY FEDERAL CREDIT UNION (NC)

Pursuant to 15 USC1681 ( a ) ( 1 ) The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing inaccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, and as a result I will no longer be extending my credit to anyone, nor will I allow you to furnish a report on my behalf as a result.

You broke the law by furnishing this account on my consumer report. Pursuant to 15USC 1681 ( A ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is not included in a consumer report. This law also states reporting missing or late payments is NOT allowed.

Pursuant to 15USC 1692E ( 10 ) using deceptive means to coerce a consumer into paying a debt. You broke the law when you filed a 1099C but continue to ask me to pay on the alleged obligation by actively reporting a " charged off '' account to the consumer reporting agencies and garnishing payments from my bank account without permission. You also broke the law and committed identity theft when you sold my information to CONSERVE and had them CALL and harrass me until I agreed to pay on the alleged obligation. 

These errors may be assumed to be a willfully intent on misleading or deceiving the consumer of the character/amount of any debt 15 USC 1692e . ALL debt obligations and securities are owed to the United States 18 USC 8.
Consumer complaint received 2022-06-04
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. (GA)

Company- Experian Called and was stated to file complaint with FTC Fraudulent Inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-06-04
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 account # XXXX has violated my rights. 

# XXXX XXXX XXXX XXXXXXXX. 

# XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX. 

# XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602a states : I have the right to privacy.

15 U, S.C 1681section 604a section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (IL)

Spring oaks capital is a collection company is purchased a fraudulent debt from XXXX. In XXXX of 2021 I noticed that I had two accounts placed on my credit from upgrade. One being a credit card and the other being a loan. I disputed the accounts through XXXX, XXXX, and XXXX as identity theft because I had not opened any accounts through this company and I also had a fraud alert for all 3 credit bureaus. The credit bureaus removed the accounts and a few months later XXXX sold one account to XXXX XXXX collection and the other to Spring Oaks Capital. Both put the accounts on my credit report. I went on to dispute them and they were removed. Spring Oaks Capital continues to put this account on my credit report after being notified that it was identity theft. Spring Oaks capital is costing me money and they continue to try to collect a fraudulent debt. Please assist me with having spring oaks capital removed from my credit for good.
Consumer complaint received 2022-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge 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: WELLS FARGO & COMPANY (NC)

A fraudulent charge was made on my Wells Fargo account by XXXX for the amount of {$15.00} on XX/XX/2022 and again on XX/XX/2022. I disputed both charges and requested a new credit card. I have since received my new card ( have not activated it ) and today I received another message stating there is a charge from XXXX in the amount of {$15.00}. I contacted Wells Fargo and I asked to close my credit card account and disputed the charge. I was given the run around when I asked to go ahead and close the credit card account. The first 2 disputes are still in process. I have asked for an update and was not given one and told to call back when the claims department is open. I don't use this credit card at all my XXXX account is linked to a different credit card.
Consumer complaint received 2022-06-04
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. (GA)

Company- XXXX Called and was stated to file complaint with FTC XXXX 
Fraudulent Inquiries : XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX  XXXX ( Bank ) XXXX XXXX, XXXX ) Company- Equifax Called about inquiries was stated to file complaint with FTC Fraudulent Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Company- XXXX Called about inquiries was stated to file complaint with FTC Fraudulent Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Huntington charged me junk feeds. I would like money back from XXXX mill fee illegal fees for overdraft. Also account switched to keep min balance I never okayed so then was being billed $ XXXX monthly fee for not keeping min balance I NEVER OKAYED OR SWITCHED AFTER BEING XXXX  CUSTOMER OVER 10 years. I would never.
Consumer complaint received 2022-12-18
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. (ND)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-04
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. (IL)

On XX/XX/2022 I filed a dispute for inaccurate information and unverifiable accounts with Equifax. They have refused to follow the law as prescribed by congress under the Fair Credit Reporting Act. 
According to the FCRA 15 USC 1681 the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information of these accounts are still not reporting 100 % accurate ; and according to the FRCA 15 USC 1681 everything has to be 100 % accurate.

They also violated my rights under 15 USC 1681 Section 604A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer. 
The following accounts have not been verified under the Fair Credit Reporting Act Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

In XXXX of 2022 I disputed a account collection account by the name of XXXX XXXX XXXX. It says the original creditor was XXXX. This collection was deleted now it has reappeared in XXXX with a different collection account name XXXX XXXX