davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (LA)

As of XX/XX/XXXX Navient has placed a late payment on my account after being found guilty in court of being negligent. The settlement, announced XXXX XXXX, comes after allegations that Navient used predatory and deceptive lending practices dating back to XXXX. The company was accused of pushing struggling borrowers further into debt by steering them into long-term forbearance programs that actually added more in interest to the overall loan balance ; and for claims that it lent predatory subprime loans to students attending for-profit and low-graduation-rate colleges where it knew these borrowers could likely not repay the loans. Navient repeatedly and deliberately put profits ahead of its borrowersit engaged in deceptive and abusive practices, targeted students who it knew would struggle to pay loans back and placed an unfair burden on people trying to improve their lives through education.
Consumer complaint received 2018-07-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HOVG, LLC (TX)

XXXX XXXX XXXX ADDED TO MY CREDIT REPORT THAT I OWED THEM AN AMOUNT OF WHAT I THINK IS A HOSPITAL VISIT. I DESPUETED THISON MY XXXX REPORT. AND THEY KEEP CALLING BUT I DONT ANWEAR. THEY CALL ME WHILE I WAS WORKING AND ANWEAR THE GUY WAS PREATTY MUCH TRYING FOR ME TO VERYFIED AND I ASKED HIM WHERE HE WAS CALLING FROM AND AT FIRST IT SEEM LIKE HE WAS REFUSING TO VERYFIED HE KEEP SAYING IT WAS AN IMPORTANT MATTER. THEY I TOLD HIM YEAH YOU GUY ADDED SOMETHING TO MY CREDIT AND HE SAID YES. AND HUG UP. I CALLED BACK AND THEY TRASNFER ME BACK TO HIM AND I ASK HIM WHY HE HUNG UP HE SAID YEAH WAIT I ASK HIM WHY WAS HE CHARCHING ME FOR SOMETHING THAT DID NOT HAVE MY NAME. HE SAID HE WOULD LETE ME TALK TO SUPERVISOR. HE PREATTY MUCH DID NOT KNOW WHAT TO SAY. SUPERVISOR CAME ON THE PHONE AND HE WAS RUDE SO I WAS RUDE BACK I ASK IF HE HAD PROOF HE SAID HE HAD SEND IT BACK IN XX/XX/2017. AGAIN THIS DEBT JUST SHOW UP ON MY CREDIT ABOUT 3 DAY FORM THE DAY OF THIS COMPLAIN. HE KEEP SAYING THAT I DID OWED THAT MONEY AND I KEEP TELLING HIM THAST HE HAD NO PROOF WE STARED SCREEMEING BACK AND FOWARD AND I DECIDED TO HUNG UP. IT WAS POINTLESS. 

BOTTOM LINE I DO NOT OWD THIS DEBT I NEVER BEEN TO THE HOSPITAL.
Consumer complaint received 2018-07-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (FL)

I am a customer of direct who offered me 90 days modification during hurricane Irma. I made XXXX  and XXXX payments on time but the XX/XX/XXXX payment I attempted to pay but their office was closed and their automated system will not accept my payment. I then attempted to schedule a payment on the last day of XX/XX/XXXX however their office was closed again. Their documents states their office is opened on Saturdays however the system stated the office was closed. I called customer service and they stated my modification will be denied since I did not make the XXXX payment on time. They did not offer any more options. What do I do I'm this case??
Consumer complaint received 2023-06-29
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. ()

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX  Account # XXXX, has violated my rights.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

XX/XX/XXXX regular payment made {$780.00} mis-applied to principal XX/XX/XXXX regular payment made {$780.00} mis-applied to principal both mis-applied by servicer as principal balance reduction. I calledXX/XX/XXXX ( 12 min call ) and XX/XX/XXXX ( 26 min call ) requested twice for corrections. I followed up on XX/XX/XXXX ( 5 min call ) and was told had to be transferred to someone else ( another 8 min call ) I was assured this was corrected and corrected 1098 would be sent out. XX/XX/XXXX, got the same 1098 in the mail again ( not corrected ) another call ( 23 mins ). I was told this time not corrected and will now take another 30 days and they make lots of errors. ( they do ) I am not able to determine on their website what is the last payment applied nor see any of my payment history, but each time I sign into my acct it prompts me repeatedly to go paperless. ( That way i'd never know what they are doing ) Also they failed to pay my hazard insurance {$2000.00} causing cancellation of my insurance XX/XX/XXXX. I called them to advise and they paid it twice. {$2000.00} & $ XXXXThis also caused my escrow account to go into the negative. My insurance was reinstated and I was sent the overage and paid it back into my escrow account XX/XX/XXXX. I need this all corrected prior to my annual escrow analysis being done in XXXX as the mis-applied 2 pymts will cause further shortage in my escrow acct resulting in higher payment thus another mess to deal with. I want my 1098 corrected like yesterday to include those 2 payments paid in XXXX and a statement to SHOW the corrections and the funds XXXX and XXXX applied as regular payments back dated to XX/XX/XXXX and XX/XX/XXXX. It seems every time I call I get a different made up story oh I can't get into my back office right now to see? ( LIAR- made up XXXX please don't insult me ). I asked for escalation tonight XX/XX/XXXX and was told they can't do that? This is causing undo stress an anxiety on me for multiple errors this company has made. I'm a senior citizen now and should not have to deal with this stress or repeated calls to correct.
Consumer complaint received 2023-06-29
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. (CO)

It is XXXX duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. Equifax is reporting two inaccurate late payments for the XXXX account, which does not have an account numbers to reference to. These include one 30 day late payments posted in XX/XX/2018 and one 60 day late payment dated XX/XX/2018. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in Equifax violating my federally protected consumer rights. To add to this I did NOT give Equifax written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that Equifax has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2023-06-29
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. (CO)

It is Equifax is duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. Equifax is reporting XXXX in accurate late payments for the XXXX  account, which does not have an account numbers to reference to. These include XXXX 90 day late payments posted in XX/XX/XXXX and XX/XX/XXXX, XXXX 60 day late payments dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XXXX 30 day late payments dated XX/XX/XXXX and XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in Equifax violating my federally protected consumer rights. To add to this I did NOT give Equifax written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that Equifax has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2022-07-12
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2022-02-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I received a phone call from Huntington bank threatening that they would send me to collections if I didn't pay my mortgage. I was waiting for my next pay period to pay the mortgage and was still within the grace period. I have never been late with a loan payment ever and it wasn't late and yet I got a threatening phone call. I've never been called by a bank ever let alone to get yelled at for a payment that was not late.
Consumer complaint received 2019-07-31
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. (IL)

My Direct 14 student loans thru the department of education were consolidated into two loans in XXXX. The two loans are now in default but the department of education is reporting all of the original 14 loans that were closed and consolidated as well as the two consolidated loans as in collection. So basically they are reporting 16 loans as in collection as of XX/XX/XXXX and XX/XX/XXXX. Although there is only two loans the other 14 were closed and transferred to the two consolidated loans over 4 years ago. I sent Experian the loan consolidation paperwork as well as the bill from the US dept of education only showing two loans they are collecting. And a print out from Nslds.ed.gov showing my the status of my current loans. I also contacted the lender who is reporting the inaccurate information and neither Experian or the lender will stop damaging my credit by reporting clearly inaccurate information. They are also reporting these loans as included in Chapter XXXX. Student loans can not be included in a chapter XXXX. I have gone round and round with both the creditor and experian about this.
Consumer complaint received 2022-12-02
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. (AL)

In accordance with the Fair Credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account name : XXXX XXXX  # XXXX 15 U.S.C. 1681 Section 602A. Accuracy and fairness or credit reporting. States I have the right to privacy 15 U.S.C. 1681 Section 604A ( 2 ). It also states a consumer reporting agency can not furnish a account with out my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ). Section states. No consumer reporting agency may make any consumer report contaning any of the following items of infomation. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

CAPITAL ONE ACCOUNT OPENED FRAUDULENT WITH A BALANCE OF {$720.00}. 
DATE opened : XX/XX/2018 please delete this account from my XXXX CREDIT REPORT under 15 U.S.C. SEC.1681i ( a ), you must investigate or delete from my credit report.
Consumer complaint received 2023-06-29
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. (GA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account name : progressive insurance Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account date : XX/XX/XXXX Account address : XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX MA XXXX Account name : XXXX. XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX Account date : XX/XX/XXXX Account name : XXXX. XXXX/XXXX  Account # : XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX Account name : XXXX  XXXX Account # : XXXX Account date : XX/XX/XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account date : XX/XX/XXXX Account name : XXXX  XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account # : XXXX Account name : XXXX XXXXXXXX Account # : XXXX Account name : XXXX. XXXX Account # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX, I sent a letter to XXXX, TransUnion, and, XXXX and asked that they investigate the below accounts of the two late payments reported in XXXX. I do not recall ever being late. It doesn't make sense that I was current in XX/XX/XXXX and jumped to 60 days late in XX/XX/XXXX and 90 days late in XX/XX/XXXX. This is impossible. 

Accounts in dispute : XXXX XXXXAccount number : XXXX XXXX XXXX : Account number : XXXX XXXX XXXX  : Account number : XXXX XXXX XXXX  : Account number : XXXX XXXX  XXXX  : Account number : XXXX XXXX  XXXX  : Account number : XXXX XXXX  XXXX : Account number : XXXX XXXX  XXXX  : Account number : XXXX
Consumer complaint received 2019-06-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: FIRST NATIONAL BANK OF OMAHA (AZ)

I applied for a loan via XXXX XXXX. Called XXXX XXXX XXXX which is actually 1st National Bank of Omaha in XX/XX/XXXX. I called to follow up on status & was told a letter was sent ( declined ). 

I verified the address and they left out my apartment, which I gave & was told on XX/XX/XXXX by 'XXXX ' it was sent " on the XX/XX/XXXX ' ( XX/XX/XXXX ). 

I never received the letter, so I called XX/XX/XXXX @ XXXX XXXX mountain time zone and spoke to'XXXX '. I recapped my experience and that it is ILLEGAL NOT T O SEND THE LETTER. He expressed that was his understanding. 

As of today XX/XX/XXXX, I have not received my denial letter as required. 

I intended to pay off a rip off loan that I plan to file a separate complaint.
Consumer complaint received 2023-01-13
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. (FL)

In accordance with the Fair Credit Reporting act : 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 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 XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions of the consumer to whom it relates.
Consumer complaint received 2015-10-20
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (OH)

Ttarget is charging odd amounts to my credit card, such as a penny here and there as the total. I was aware of this on XXXX XXXX. Also no one in customer service would respond. They have. Weird way of charging for online orders. They do it individually as shipped, but a penny. I sense something fishy.
Consumer complaint received 2024-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

violation of 15 U.S. Code 6801 - Protection of nonpublic personal information section ( b ) 2 ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Consumer complaint received 2022-10-10
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: Experian Information Solutions Inc. (PA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (TX)

I have recently obtained a copy of my credit report. I have no knowledge of this item, nor did I authorize it. Please remove this file off my credit it is hindering me. I have applied for anything within the last two years.
Consumer complaint received 2022-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

As part of the the XXXX | XXXX administration forgiveness program, I called MOHELA on XX/XX/XXXX to receive a refund for all payments I made during the COVID payment pause. The transaction was simple enough and I was told to expect the refund within 30 days in the same manner I made payment ( electronically ). On or around XX/XX/XXXX, I called for a status of my refund and was told that it was processed and again would take 30 days to receive from the initial request. After still no updates to my MOHELA or Student Aid account, I called MOHELA for a third time on or around XX/XX/XXXX. After a XXXX wait to connect with customer service, I was told that it was processed, but now it was going to take XXXX days from my initial request. 

I'm getting updates from others whose loans are serviced by other servicers like XXXX XXXX and XXXX, who made their requests around the same time or after I did, who have already started receiving their refunds back. I need to get this issue resolved so that my account will properly reflect the correct balance when I am finally able to apply for forgiveness. There doesn't seem like there should have been any reason to get my refund to me when I made the request so early on in the process. I appreciate any assistance that can be provided by CFPB or MOHELA.
Consumer complaint received 2019-06-14
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: BARCLAYS BANK DELAWARE (NY)

In a prior on phone conversation on a recorded line a rep told me the account was to be removed by XXXX of 2019. it is still showing on my credit report. PLease fix this.