davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: RentDebt Automated Collections, LLC (NY)

Good afternoon this company is constantly harassing me. I did file an ID theft report and theyre still harassing me. The company Rentdebt It threaten to put an account on my credit report after I sent an ID theft report to all three credit bureaus, but this company is still harassing me and threatening to re-put it on my credit report
Consumer complaint received 2018-05-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (IN)

XX/XX/XXXX I refinanced my mortgage with Deven Muehle in XXXX, XXXX. I had homeowner 's insurance added in with the mortgage payment. In XXXX, the insurance lapsed but I reinstated it with another insurance company in XXXX. 

Doven Muehle put hazard insurance coverage on the loan of {$75.00} monthly and have not removed it yet although I bought a new homeowner 's policy in XXXX and they were informed by my insurance agent at that time and I have written them twice in the last few months asking for a refund of the $ XXXX charged on the loan since XX/XX/XXXX. 

I have not heard anything from them about the insurance money that was due back to me since XXXX even though the insurance company and myself have both sent them copies of the current insurance coverage. 

Thank you in advance for getting my money back. Senseless to pay for two insurances on one loan!! 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP (NJ)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2016 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2023-03-17
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. (MN)

I pulled my consumer report on XX/XX/XXXX of 2022 and saw there were some inaccuracies on my Equifax report. I sent in letters to this reporting agency a few times, only to not get a response nor remedy, my most recent letter sent 30 days ago which is the cut-off date and time that they have to respond or fix the inaccurate report. 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. I did not authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Equifax permission to furnish this information. This is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. Promptly delete all inaccurate information as listed in this letter. 

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 


Proof or evidence needs to be produced that supports your claim or shows that you were right in your decision to furnish this information, I am demanding the removal of the above-mentioned inaccuracies within 30 days of this letter. It is your duty to accurately report information and as of now, you are violating my rights as a consumer. I look forward to Equifax resolving this matter with this initial communication. Should you choose to be willful and neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations.
Consumer complaint received 2024-05-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

I have been unemployed or marginally employed since XXXX. My monthly payments are more than my monthly mortgage payment at over {$1800.00} a month. They also recently raised my interest rates from 10 % to 15 % percent because of " inflation ''. I was able for a while to enroll in their rate reduction program and made the payments for years, despite the financial burden it placed on our one income budget. Payments were suspended during XXXX, and shortly after I was informed that I qualify for a class action lawsuit against them for failure to discharge loans in the bankruptcy we filed in XXXX. I have not recieved any information regarding the outcome of the ruling that was made in XXXX, and now they're back to calling me multiple times for payment, which I do not have. I just don't. I can't make {$1000.00} magically appear every month without sacrificing my mortgage or feeding my XXXX kids. My original loan total was around $ XXXX. I've paid back nearly $ XXXX since XXXX. They claim I still owe $ XXXX. How does that work?! How is that legal?!
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX This company is re-aging the account as the LAST DATE OF ACTIVITY CHANGES and DIFFERENT ON THE EXPERIAN AND XXXX. Also, they never provided proof of notice... Therefore, please delete this account. 

I have attached a picture for proof.
Consumer complaint received 2022-07-13
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
The account name is CAP ONE AUTO balance {$19000.00} account # XXXX 30 days late on XX/XX/2022.
Consumer complaint received 2016-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (IL)

Good morning, I write this complaint with anger that had built up since I started speaking with employees from FedLoan. I filed chapter XXXX bankruptcy XX/XX/2012 and my student loans show as they were included in my bankruptcy but they were n't. My bankruptcy was discharged recently and on my credit report my student loans show included in bankruptcy but also show as a XXXX which I 'm being told is default status. I 'm trying to purchase a home and if it 's in default I 'm not able to. I spoke to XXXX # XXXX on XX/XX/XXXX and uploaded my discharge letter and a personal letter from myself and she advised me I would receive a default clearance letter in my email by Monday XX/XX/XXXX and the bankruptcy status would change in 7-10 business days I never received the letter and I called in XX/XX/XXXX and spoke to XXXX # XXXX and she said I will receive the default clearance letter by XX/XX/XXXX. I called back to confirm that information on XX/XX/XXXX and spoke with XXXX # XXXX and was transferred to supervisor XXXX # XXXX who then told me they ca n't tell me what day I will receive it nor can she tell me how long it would take to receive it. She was not helpful and did not put forth any effort to assist me and I 'm sure she could see all the notes on the account. Yesterday was XX/XX/XXXX and I did n't receive anything in my email, I called in and spoke to XXXX # XXXX who read the notes on the account and immediately gave me attitude saying well the supervisor told you it takes ex amount of days. I explained to him that I do n't care what she noted on the account because she would n't provide me with a date nor a timeframe and he told me everything should be done within 7-10 business days and I said so I should have it by XX/XX/XXXX then and he said the process takes 7-10 business days so it should be by XX/XX/XXXX. I 've been given the runaround ever since I have been calling and no one is on the same page and I should 've received the letter by now and no one can tell me why I have n't received it from the first request. I 'm disappointed in the service that I received from everyone thus far. I need my letter so I can purchase my home.
Consumer complaint received 2021-07-12
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)

Account # XXXX - XXXX On XX/XX/XXXX, I paid XXXX to settle the account. The account is paid in full and is closed. The charge off for XXXX has not been updated. I contacted Equifax on XX/XX/XXXX of XXXX, opened disputes, and sent the settlement letter from XXXX by mail on XX/XX/XXXX. The charge off was not updated as Paid. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I called Equifax on XX/XX/XXXX and opened up a second dispute. I would like for Equifax to remove the tradeline. If they are unable to, I would like for Equifax to report that this account has been settled and paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a single parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the Settlement Letter from XXXX, USPS Receipt regarding the mailing of documents, XXXX XXXX XXXX and the police report from the fire that destroyed my home. Thank you for your cooperation.
Consumer complaint received 2024-05-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (VA)

Commencing on or about XX/XX/2023, I fell victim to multi-layered scam operations run by bitmart-trades.com which involved me making deposits for a total amount of XXXX USD from my Citibank account to fraudulent investment firm ( s ).
Consumer complaint received 2023-03-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-17
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5700.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I filed a dispute with Experian credit bureau on XX/XX/ providing proof of payment in full of my auto loan through XXXX XXXX XXXX. I received my title to my car and also a letter showing my car was paid off. I provided all of this to Experian credit bureau and they have refused to show my balance at XXXX showing paid in full. XXXX XXXX XXXX  also, stated they contacted Experian credit bureau telling them the account was paid in full. I reviewed my credit report and in the section statement from customer ; states it went to a collection company. However, thats not true. My car was paid off on XXXX XXXX XXXX The credit bureau is refusing to update any information or show my car paid off and raise my credit score.
Consumer complaint received 2022-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (MD)

I am writing this complaint regarding my checking account ending in XXXX at Navy Federal Credit Union. I have tried several times to resolve An issue regarding returned item fees with Navy Federal directly. Now, almost daily, new fees are being assessed that are related to recurring debit transactions that have been in place and now they are assessing them as ACH transactions. It seems this is being done to assess more returned item fees. This all began, once I made mention of filing a complaint with the CFPB upon speaking to a telephone representative and a supervisor whom acknowledged the error and proceeded to still place blame on me for not calling within 60 days. Initially, when I explained that I had just recovered from some personal health and family matters, I was told that I was to have reviewed my statements within 60 days and that any fees they waived were a courtesy and they did not have to waive them. I was also told that just like there are laws to protect consumers, there are laws that help banks also. Once I asked the policy, the supervisor stated that if the funds are not available the end of day for a transaction, then a returned item fee is assessed the following business day. I have been a customer of NFCU for a long time and I can not even make my credit card payment due to my account keep having new fees. In the messaging center, I pointed out that I hadnt received notices about anything for several of the months in question, now they make sure I receive a message everyday about a new fee and dont try to resolve my requests to look into my original issue. 

I have attached copies of each statements that have fees in question. I will also attach screenshots of my communication with NFCU through their apps messaging center to document my attempts to resolve. I do not have any phone records but I called from the phone number on my account each time. Thank you for taking the time out to review my inquiry.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: HW Holding, Inc (TX)

There are two accounts on my credit report which are third party companies that received my information without my consent neither written nor verbal. The amounts have been reporting on my account inconsistently for different amounts. The original creditor was XXXX XXXX XXXX for one in the amount of {$6700.00}. The other amount is for {$8500.00} and the original creditor was XXXX at XXXX XXXX. Hunter Warfield Inc have received my information without my consent which is identity theft under 15 U.S Code 6802 opt b.
Consumer complaint received 2019-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (OH)

XXXX XXXX sold my mortgage to Specialized Loan Services in XX/XX/XXXX. My mortgage statements from Specialized Loan Services, indicate and have messages about bankruptcy, not an attempt to collect a debt, fill out forms if you no longer wish to receive statements, and I am not obligated to pay my mortgage since responsibility was released through bankruptcy. It is the case in XX/XX/XXXX I filed bankruptcy, however, my mortgage was never entered in the bankruptcy, I reaffirmed the debt. 

I called SLS in XX/XX/XXXX to discuss the statements I was receiving and on the phone messaging, it also mentioned bankruptcy and an attempt to collect a debt ... ..I talked with a Representative about the information on my statements. I explained my mortgage was not part of my Bankruptcy and that it was 8 years ago. I was told because I had a bankruptcy that's how they have to report it. 

On XX/XX/XXXX, I called SLS again because my mortgage is not showing up on my credit report. The Representative I spoke with said that when XXXX XXXX transferred them the mortgage, they flagged my mortgage as in Bankruptcy. I was angry that this could happen and explained I would like to know why and how it happened. I am not sure why XXXX XXXX sold my mortgage and stated it was in bankruptcy, my statements from them never indicated any language to the contrary. I was told someone would call me in 5 days. 

I noticed a few months ago that XXXX XXXX had reported my mortgage as " paid '' with no payment history. I had requested through XXXX XXXX that it say the loan was sold and my payment history be entered. It now says loan transferred. I recently applied for credit and was denied, I do not know if my mortgage being " flagged '' and or not showing up on my credit report had anything to do with this mess. 

At this point I do not trust that between the two companies things will be resolved as they should so I wanted to send this complaint to be assured someone else would be looking at it. 

Thank you
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 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. 
XXXX and Experian Credit bureaus are currently reporting a duplicate time barred account with inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened inaccurate, Last reported date is inaccurate, Date of Last Activity is inaccurate, missing data and a Collection/Charge-off reporting a balance. XXXX recently deleted this account based on the lack of ability to properly verify all reported information being accurate. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. XXXX is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. I have been a homeowner for over 20 years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate 3. Please remove all previous employers and add my current employer XXXX XXXX, XXXX, FL
Consumer complaint received 2019-09-05
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CT)

My information was stolen and my personal information was compromised and used to open up fraudulent credit accounts. I have contacted these companies and supplied all information that was required ( Police report, Fraud Affidavit, Copy of Social and Driver 's License ) and also filled out documentation that was sent to me from the companies. There has been no resolution for these fraudulent accounts and they are holding me responsible for me being victimized. I contacted " XXXX XXXX '' although it was deemed as fraud I spoke with a supervisor named " XXXX '' he told me that they don't have to clear anything, that they can do whatever they want until they find where the money went. I spoke with several representative at " Macy 's Fraud Claim Department '' I was told that it was deemed as fraud, but then received a letter saying that I am responsible for this account. I contacted " XXXX Fraud Department '' after sending in all documentation, I was told that I am responsible for this fraudulent account. I have never had any accounts with these companies and they need to be removed immediately.