davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
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. (MI)

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR XXXX XXXX ) has violated my rights. 

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX  XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX has violate my rights. 

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX L 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 2021-07-24
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: BARCLAYS BANK DELAWARE (GA)

I called on on XX/XX/XXXX at XXXX to close my account due to fraudulent activity happening multiple times in a month ( 3 times with 2 new set of cards ), issuing new cards and locking those cards did not help, fraudulent charges will still being made! Anyway, I was told my account had been closed and all fraudulent charges were taken off. I login today XX/XX/XXXX to find they let one of them go through and it now says I owe {$100.00}. ( XXXX fraudulent charge and a XXXX cent minimum interest charge, which should not apply because my balance should be XXXX ) I called right away and got someone who did not speak very good English and she starts reading from a script saying they will send me a new card. I CLOSED MY ACCOUNT. I don't want a new card, I was my balance to reflect XXXX and to be done with the awful awful company! How can charges still go through on a LOCKED cards? I am beyond frustrated, never in my life will I do anything with Barclay. Please fix this and put my account back at XXXX and make sure it is truly closed!
Consumer complaint received 2019-02-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

I am a single mother trying to purchase stable housing for my daughter and I, I found the perfect home and am in the process of closing however an old Best Buy credit card issued by citi bank showed on my credit report, so I reached out to the charge off department to pay the debt and get a payoff letter expedited so I can make closing, the representative informed me that it will take 25 days to get your letter and thats policy! Wow,! So I asked if there can be something a supervisor can do to help get this resolved so I do not loose my home and they said Im sorry but thats not our problem, so when I finally got to a supervisor they informed me that I am not sure what you expect me to do but its not our fault you have no where to go but its sytem generated and we cant do anything for you. So as large of a cooperation that Citi Bank is, there is no one that can help me. And for the supervisor to tell me its not our fault and there is no one that can help you get this taken care is disturbing. I have never been treated with such disregard and spoken to so rudely.
Consumer complaint received 2022-05-23
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)

The Credit Bureaus stated 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX Were all properly investigated but how is that possible if there are still numerous inaccuracies on my credit report amongst all three Credit reporting agencies with more than 3 inaccuracies and inconsistencies per account such as, the date last active, open date, credit type, account rating and more. This is grounds for removal They also violated my rights under 15 U.S.C 1681 Section 604 A 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 U.S.C 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 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( 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. 

Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report.
Consumer complaint received 2019-02-05
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: EQUIFAX, INC. (NH)

I have attached a copy of the Consumer Financial Protection Bureau order of 2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the 2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on XXXX, Equifax and XXXX XXXX respectfully. Since the 2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.
Consumer complaint received 2022-12-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC (TX)

Jefferson Capital Systems LLC successfully manage to file and win a judgment against me without me knowing anything about their claim. I received a letter from a local court notifying me that Jefferson Capital Systems LLC was granted a default judgment against me. 

I have never had any type of account with Jefferson Capital Systems LLC. My name is very common in the XXXX Texas XXXX. Additional, the veracity of the claim hasnt been fully explored beyond a shadow of a doubt ( by me ) that includes examining the subject accounts owner, receiving a full accounting of all charges, full account payment history, reviewing the account contract, plaintiffs evidence of subject account ownership, evidence of plaintiffs attempts to make aware of impending lawsuit prior to filling, determining if plaintiff attorneys is working within Texas or is from out of state, reviewing the statute of limitations for the action- among other considerations. 

As such, is Jefferson Capital Systems LLC has disregarding federal laws designed to protect consumers at large. 

I urge the federal government start a full-scale audit/investigation on Jefferson Capital Systems LLCs practices including looking into all cases won by default judgment across the nation and prosecute all individuals in this operation that helped in any way to get any illegal judgment.
Consumer complaint received 2021-11-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hodosh, Lyon & Hammer, PC (RI)

An attorney for 'XXXX ' ( A credit card company that I had debt with back in XXXX, with a payout in XXXX, apparently got court approval ( without my knowledge ) to garnish {$1300.00} out of my bank account, PLUS another {$120.00} fee. The original debt was about {$4000.00} before I settled and paid less to close the debt. They are saying I now owe them {$12000.00}!!! ( with all the interest over the years )!! 

My husband and I obtained a mortgage in XXXX, and part of the mortgage process required me to settle any unpaid debts, in which I did ( or I wouldn't have gotten the mortgage! ). I recall settling this debt, although I can not find the paperwork to prove it. 

I thought to contact the mortgage company, who would have all of my credit information from that time, but they went out of business is XXXX. 

Since credit reports and credit bureaus only go back about 7 years, I can not get a hold of the information to clear this up. My credit rating is good, and I have no 'strikes ' on my record according to XXXX Credit bureau XXXX 

This debt is about EIGHTEEN YEARS OLD now ... .. how is this even legal??
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : CAPITAL ONE || Account # : XXXX
Consumer complaint received 2022-05-23
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. (OH)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2021-11-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (VA)

Information forwarded to correct Deed of Trust on XXXX XX/XX/2021 The original request was initiated back in Early XXXX of this year. My lawyer and I have provided countless documentation to correct the issue and as of XXXX XX/XX/XXXX the issue has not been resolved. Request this matter be escalated to management to correct this issue. 

PHH is the second mortgage to this property. I provided XXXX XXXX ( primary ) mortgage to this property the same information 5 weeks ago and they resolved the issue in one week. This says a lot Request this update be elevated to correct issue. The attachments provide details of what needs to be corrected. Also sent additional documentation on at least four other occasion.
Consumer complaint received 2021-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (PA)

I was approached by Quicken Loans ( rocket Mortgage ) during Covid19 to do a refinance to lower my interest rate and my monthly mortgage payment. A year has since passed and I got a bill for an escrow shortage in the amount of {$2800.00} and notification that my mortgage would be increasing monthly by {$170.00}. I inquired with Rocket Mortgage and after they reviewed all the information they informed me that XXXX ( closing company ) pulled the incorrect property tax ( they pulled my mother in laws which is a completely different first name and my husbands name wasn't on it either ). XXXX admitted that the mistake was on XXXX. I told her I feel they are both responsible, as they do this for a living and in the end my husband and I are the ones suffering the financial havoc. She said the guy that pulled the incorrect info was going to be coached and in the end I am responsible for my own taxes even though they made the mistake. I understand that the taxes are my responsibility but I told her I wanted the loan fee I was charged {$5600.00} to be refunded in full or partially as I did not get what I signed up for. I explained that the 1 % point was not the main reason I did the refinance. It was to lower my mortgage from {$1600.00} to {$1200.00} so we would easily be able to keep our house if one of us were to lose our jobs or if one of us passed away. I also told her that this kind of financial devastation causes people not only to lose their homes but even commit suicide because not everyone has money lying around for this types of issues. Neither XXXX nor Rocket Mortgage seemed to care. XXXX thought XXXX XXXX cover XXXX months of my shortage but they decided it was not heir problem. If I had the money to refinance and get out from under Rocket Mortgage I would. At this time I am stuck with them. I think it is a SHAME that companies like this can meddle in people lives and not have any consequences. Although they are supposed to be the experts and guide me to better my situation I will never make that mistake again and will question EVRYTHING and make them spend more time going through the paperwork instead of listening to them when they say everything is fine... .JUST SIGN.
Consumer complaint received 2018-09-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (GA)

I took out a private student loan from Sallie Mae beginning in the XXXX School Year. My mother assisted me through the loan process because I was only XXXX years old at the time. We were told by Sallie Mae that we should take out one loan in Semester Increments in order to keep loan costs to a minimum and that I would not need to worry about repayment until after graduation. We were instructed to reapply each semester for the money needed for that semester, but that the money we were lended was only part of one total loan amount. Fast forward to graduation in 2009, when my loan came into repayment. I very sadly discovered that we had been deceived by Sallie Mae. The money I was lended each semester was not part of one loan but, XXXX separate loans with their own flexible interest amounts attached to each one! In my dismay, I had {$89000.00} dollars in debt dispersed between all these loans! That dishonesty on their part has made it nearly impossible to pay off these loans! Right out of college I began making large payments on the loans, but Sallie Mae would not allow me to make overpayments to specific loans. I spoke to them on multiple occassions in between XXXX and they said that they had to divide the payments equally between all the loans and that I could not specify an over-payment to one specific loan. This dishonesty also has made it nearly impossible to pay done the principal amounts. 

I have also had to call for assistance with optional repayment plans due to health issues and my husband 's job loss in between XXXX. I told my only options were forbearance or interest only payments. Sallie Mae advertised that they had income flexible payments, but they did not hold true to that either. 

I now have experienced XXXX XXXX and chronic XXXX XXXX over the past XXXX years and our finances are in disarray due to the dishonest gain of Sallie Mae/ Navient. We never defaulted on our loans and we still own almost $ 45,000.Our monthly payments are {$540.00} dollars each month and we struggle just to make ends meet. I am not eligible for total disability, so there is no option for forgiveness in my case. I am not healthy enough to work more than one day each week, but there is no end in sight to these loans. I just wish Sallie Mae had been honest with us. I would have never done business with them!
Consumer complaint received 2021-11-19
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: WELLS FARGO & COMPANY (NC)

XX/XX/XXXX we refinance our home that we bought XX/XX/XXXX with Wells Fargo hazard mortgagor. Fast forward to current date XX/XX/XXXX my mortgage payments have not been been reporting to all major credit bureaus. I was told by Wells Fargo that for one year my payments would be suppressed doing that refinance. And after that one year they would regularly continue reporting to the credit bureaus. Well, after trying to obtain a personal loan I was notified by the loan XXXX that my mortgage was not showing up in the credit bureaus. I contacted Wells Fargo they said that it was a credit bureau issue I contacted all credit bureaus and they said it was a creditor issue which is Wells Fargo. After many many attempts with Wells Fargo I received a letter stating that they had made an error I will try to fix it, that was XX/XX/XXXX. Wells Fargo lawyer contacted me saying that he would try to resolve the issue and today which is XX/XX/XXXX the in resolution on their part is, that they can not do anything they are not going to report my mortgage payments to the credit bureau because the issue is between the credit bureau and myself and I know that is untrue! All 3 Credit bureaus told me that they can ONLY report what has been reported to them from Wells Fargo. Wells Fargo stated that they received an electronic filing stating to suppress my payments which doesn't make any sense because I asked them who did it come from and the lawyer told stated to me that he did not know and they could not do anything.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. In this report each bureau ; Transunion, XXXX, XXXX shows a difference in reporting on this account ( example : one reports shows paid on time while the other is reporting late ) These items : the date the account was opened, late charges and the number of days late and past due amounts that are not reported the same on all 3 bureaus. 
XXXX XXXX submitted a letter stating account was 89 days past due and reported this on my credit report but my record of payments contradict that claim. I'm challenging the due date of payment by submitted the original contract of the loan as well the actual date this account was open vs what it is stated on all 3 bureaus. 

Enclosed are copies of the account and how it is reported on all credit bureaus.A letter when the account was originally opened and payment history to show that this account was not 89 days past due.
Consumer complaint received 2021-11-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MD)

This is a subsequent complaint to a complaint filed a week ago regarding inaccurately posted mortgage payments. I requested a full ledger of my account, escrow account and XXXX account for review. I am refinancing my loan with another lender and instead of sending me the requesting information, they sent me a payoff notice which does not suffice since I feel it may be inaccurate due to how they applied my $ XXXX payment made. The lender is completing my closing documents and we're still waiting for XXXX to send this information to me since I can't seem to pull 12 months of statements from the website. They are holding up the closing process.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the complaint requests, the unverified negative account listed below is still reporting on my credit report in violation of federal law. I have not recieved any response about the letters i sent, dated last XX/XX/XXXX, XXXX.The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Credit Bureaus as willful negligence and non-compliance with federal statutes. Please remove the following account completely from my Credit Report : XXXXXXXX XXXX-Balance XXXX XXXX-Date Opened : XXXXXXXX XXXX XXXX