davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-04
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: Navient Solutions, LLC. (MI)

This is a follow-up to CFPB complaint # XXXX-XXXX. 

Navient did not resolve the issue and gave a vague response dismissing my concerns and the erroneous information they are reporting to the credit bureaus. As I previously stated, I have two private loans in good standing with Navient ( XXXX Signature Student and XXXX Signature Student ). Navient has reported both of my loan accounts as being 60 days past due as of XX/XX/XXXX to each of the three credit reporting agencies, XXXX, XXXX, and XXXX. 

Navient is claiming that the negative reporting stems from a payment that was missed on XX/XX/XXXX when it was rejected by my bank and that I have been continuously one month behind since this missed payment. Navient further explains that when I missed my XXXX and XX/XX/XXXX payments it caused my accounts to exceed 60 days past due, which is when the negative reporting occurred. THIS IS FALSE. 

I did not miss any XX/XX/XXXX payment. I made two payments in XX/XX/XXXX. This first payment was a forbearance payment on XX/XX/XXXX in the amount of {$100.00} and the second payment on XX/XX/XXXX in the amount of {$110.00}. So, the claim that I missed a XXXX payment is clearly incorrect. Navient still has not provided any concrete evidence of my account being 60-days past due and continues to make fallacious claims in an attempt to justify their erroneous credit reporting. 

In their response to my original complaint, Navient stated that they will update my credit report to reflect my disputed loans with the following comment : FCRA direct dispute investigation completed consumer disagrees with the results of the data furnishers investigation. Further Navient DOES NOT have my permission to place any narratives on my reports. 

Navient needs to validate their claims that I missed my XX/XX/XXXX payments as well as provide the EXACT number of days that my account was past due which caused the negative reporting. My credit reports state that I was 60 days past due and Navient has yet to disclose the EXACT number of days my account was past due and does not acknowledge my two ( 2 ) XX/XX/XXXX payments. Along with my other requests, I demand to know the exact number of days my account was past due which caused the negative reports.
Consumer complaint received 2023-07-29
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance Owed : {$1800.00} ; XXXX Balance Owed : {$11000.00} ; XXXX  XXXX Balance Owed : {$9600.00} ; XXXX  XXXX Balance XXXX : {$16000.00} ; XXXX XXXX  XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Owed : {$0.00}.
Consumer complaint received 2019-07-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dynamic Recovery Solutions, LLC (NC)

I tried to contact this collection collection, Dynamic Recovery Solutions in reference to XXXX XXXX XXXX asking them to send me Vertifiable Proof ( Original Consumer Contract with my signature on it ) stating the debt of {$42000.00} is mine. They have failed to vertify this account which has hurt my ability to obtain credit. This collection company has only sent 1 collection letter and I have sent them 4 dispute letters and have never received an response from them. This account doesn't belong to me. Under the FCRA, unverified accounts must be deleted if the company is unable to provide me a copy of vertifiable proof and this company is refusing to do so. Please assist in having this account remove from my XXXX, XXXX  and XXXX  Credit Report.
Consumer complaint received 2019-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (FL)

I do believe the neighbor in which the local court granted me a protection order against for stalking/harassment because of the evidence I presented to the court from security cameras is who opened this account in my name. 
The XXXX box on my outside wall was found to have a splitter attached to the main line coming in then split off to another cable in which ran to his townhouse. XXXX county civil court case number XXXX Divison XXXX.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (GA)

I have submitted endorsed promissory note to indentured trustee for Td Auto Finance, which is XXXX XXXX XXXX ( XXXX XXXX ) for the proper cancellation of debt. According to the Securities Exchanged Act, Bankruptcy Banking Act and Indentured Trustee Act, there are liable and responsible for the fraud that is happening. I have specifically requested the True Bill of Sale and proper tax filings for the charged off account held with Td Auto Finance. They provided a copy of installment contract and it does not match the payment amounts that I was charged. If the contract states my monthly payment was XXXX, why are you saying my payment was XXXX? 

Doesn't matter if its a XXXX dollar difference, the contract was changed after I left the dealership. and that is FRAUD. I did not sign any contract for a monthly payment amount of {$680.00}, that is not what the contract specifies. THIS IS ACTUALLY A BILLING ERROR AND MUST BE ADDRESS. WHY WERE YOU CHARGING ME A DIFFERENT MONTHLY PAYMENT AMOUNT THEN WHAT WAS AGREED IN THE CONTRACT. REFER TO THE PAYMENT HISTORY AND INSTALLMENT CONTRACT YOU SENT ME. 

If the account is charged off you should have filed a form with the IRS and as the debtor I should have received it, so why are you continuing to report a late payment for an account that has a XXXX monthly payment? 

The Right of Rescission does apply here due to legal cause because you changed the contract terms first without my permission. 

THE PAYMENT HISTORY LIST FUNDING ON XXXX, MAY YOU PLEASE EXPLAIN TO ME WHERE THIS FUNDING CAME FROM? DID YOU GIVE A LOAN TO XXXX XXXX, DID XXXX XXXX GIVE YOU OR LOAN, I WAS NEVER GIVEN ANY AUTO LOAN? SO WHERE IS DID THE FUNDING IN THE AMOUNT OF {$39000.00} COME FROM AND WHERE DID IT GO BECAUSE I NEVER RECEIVED ANY CHECK OR LOAN.
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have several inquiries being reported from companies who I don't conduct business with and have asked that these be removed. 
The reporting companies are XXXX, Transunion and XXXX
Consumer complaint received 2019-01-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (TN)

20 Yrs Mortgage. 240 payments at {$410.00} at 10.8 % Late payments, {$5.00} or 5 % after 15 days. 
Page 2 Line 6 of Contract, Simple Int. 10.5 % per annum until payed in full.

Payed all payments Plus {$5.00} Late fees. when late. 
DITECH now says we owe XXXX in Full. 
Ask for hardship Loan. denied. 
XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I had vehicle insurance with them and out of nowhere they added XXXX additional people to my account causing it to rise tremendously. I called and informed then that added people lived somewhere completely different from me. I asked them to adjust account and remove the XXXX added unauthorized people to my policy. After several requests this still wasn't done. The other people do not Stay with me at all.
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (AZ)

I noticed 3 unauthorized ATM withdrawals on my debit card adding up to over {$800.00}. I disputed the charges to the company, stating that I noticed my card was missing. The company refused to refund the charges because a card was present for the transactions, even though the card was no longer in my possession. I requested the bank get my the information of what exact store code the card was used at so I could contact the specific store to get video footage, they also declined. They refused to work with me further on the matter.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (TX)

I called to settle a collection account with discover on XX/XX/2023. I paid {$510.00} to settle the account and have it closed so it no longer reports late payments to the credit bureaus. Once I paid it, I called discover back to have them update the information. They updated it to show the payment and stated it would be updated fully to settled for less than balance owed within 30 days. It has now been 40 days and it has not been updated and continues to show a late payment for the month of XX/XX/2023.
Consumer complaint received 2019-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are several accounts reporting on my credit file that does not belong to me. The following account is a result of identity theft : Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX - Balance {$10000.00} ( XXXX, XXXX TransUnion ) XXXX XXXX XXXX XXXX - Balance {$13000.00} ( XXXX ) XXXX XXXX XXXX XXXX - Balance {$2300.00} ( XXXX ) XXXX - {$7300.00} ( TransUnion and XXXX ) XXXX XXXX - {$3500.00} ( XXXX )
Consumer complaint received 2023-03-21
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. (KY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX : {$7100.00} XXXX XXXXXXXX Balance : {$64.00} XXXX XX/XX/2022
Consumer complaint received 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a fraudulent account on my credit report, which I reported it to XXXX XXXX XXXXXXXX, yet XXXX XXXX XXXXXXXX is not removing this fraudulent account. XXXX XXXX XXXXXXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXXXXXX has refused to do this. The following is the fraudulent account : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3100.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4600.00} which were open at an address which I have never lived at and it has nothing to do with me. Accounts showing above are indicating with an address ( XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) which is not mine and I never lived there.
Consumer complaint received 2023-07-29
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. (OH)

I disputed this XXXX XXXX XXXX account number XXXX on XX/XX/ The credit report of ( Credit Reporting Company ) shows these items were deleted from my credit file, Now these items have been reinserted on my credit report. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA S 611, Procedure in case of disputed accuracy ( 15 U.S.C. 16811 ], Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuantto subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( a ), consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinserted date. ( I ) a statement that the disputed information has been reinserted ( 11 ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy-or completeness of the disouted information. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action Your agency may avoid such action by immediately deleting this listing from my credit report
Consumer complaint received 2018-01-29
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. (MI)

As I gathered my annual credit report I noticed that there were a few of my hard inquiries that fell off but were reinstated and i never received a 5 day notice ( which is a FCRA violation ).
Consumer complaint received 2024-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

In XX/XX/XXXX, I requested that Select Portfolio Services, LLC remove the PMI on my mortgage because it was at 80.09 %. Instead, they decreased the ratio -- 14.25 % -- AFTER I requested they drop the PMI. I am paying {$39.00} a month for something I worked hard to get rid of. When I complained, they ignored me and threatened me saying I would have to approve of them getting a estimate or something on my home and would not give me a price on how much that cost to see if they could remove the PMI. The customer service agent said it could cost {$1000.00} to {$1200.00}. When I submitted a complaint, they completely ignored the PMI and sent in a stock letter to CFPD for the numerous complaints I generated. Attached, you will find a screenshot of their customer dashboard in XX/XX/XXXX showing the Ratio was 80.09 % and the other screenshot is of the customer dashboard from yesterday, XX/XX/XXXX showing the ratio is 14.25 % decreased. Why? This is a scam. I also sent them the same letter.
Consumer complaint received 2018-01-29
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)

Dept of ed. {$63000.00} Tax lien {$82000.00} First Merchant {$1800.00} Tax lien XXXX {$430.00} Tax lien {$13000.00} On several attempt I have contacted the bureau to investigate these account due to the being fraudulent account and or doesn't belong to me. I have asked that they investigate them and sen me supporting document and not just say that the account was verified as that is what happened. The felled to comply and send supporting document as I feel sas if the account may not have been investigated properly.
Consumer complaint received 2023-07-20
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: Amsher Collection Services, Inc. (CA)

XXXX XXXX XXXX keeps reporting negetive reports on my consumer report with out my consent which is identity theft as well as infringement of my rights pursuant 15 us code 1681 b permissible purpose by written consent and the debt collector that is coming after me for the debt which is illegal pursuant 15 us code 1692 c ( b ) third party should not have info on my consumer report its illegal amsher collection recovery is third party target bank is creditor for them to discuss my report is illegal for XXXX XXXX XXXX to report this is fraud and infringement of my rights
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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
Consumer complaint received 2023-03-24
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 XXXX  XXXX account # : XXXX, XXXX and 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 as a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681b A creditor May not on a credit card account under an open end consumer credit plan as late for any reason Remove late payments or delete the account
Consumer complaint received 2019-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I got charged so many monthly fees that I was not aware of, so asked Citizens to close my account online. But they didn't close it. So I went to the bank to get the fees waived close it. They changed the type of the account to a free checking. As far as the fee charged to my account goes, I was advised to call Citizens Customer Service or go online to get them waived and then come back to them later to get more fees waived. They said they couldn't waive any fees before Customer Service Phone Banking waives any of the fees. The next day, I got charged another monthly fees even though my account is changed to a free checking. Also, I got charged a statement fee of {$3.00} on my account. I have never seen any bank charging XXXX dollars for a paper statement.
Consumer complaint received 2023-03-25
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. (IL)

hello I XXXX XXXX is not a third party is depressed because XXXX and Experian did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and Experian my ftc report over XXXXover and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me XXXX XXXX because this is causing damaging to the character of my name please please help me I've been thinking XXXX XXXX because of these issue with XXXX and Experian because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, XXXX pleasseeeeeeee its been over 198 days still no response from them.