davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
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. (MD)

This is a request for a re-investigation of the accounts listed below. These accounts were claimed to have been accurate or verified by you just putting them on my credit report without my consent and without your knowledge of them being 100 % correct. 
These accounts are still inaccurate/Unverifiable/invalidated and need to be corrected or deleted immediately : Also make sure these items are XXXX. 

XXXX XXXX XXXX XXXX XXXX please send me my full credit report along with the following items : your investigation results contact information for each creditor and any relevant information from the previous investigation. 
The documentation used to verify the dispute for completeness, accuracy, and appropriateness
Consumer complaint received 2020-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (LA)

I asked Navient to provide MPN for my student loans that they service. After sending several certified letters I filed a complaint with CFPB. Navient has responded to the complaint through CFPB. However, the information they provide to the CFPB complaint vs the loan details of my account with them are inconsistent. In the complaint they state that they service 16 federal stafford loans disbursed to the University XXXX XXXX and one Federal consolidation loan. None of the loans from my Navient account have the University XXXX XXXX  as the school money was disbursed to ( see attached ). My account indicates that loans were disbursed to The University XXXX XXXX  Navient also has 2 consolidation loans on the account, but in the response to CFPB say they have one ( see attached ). However, Navient has incorrect information and details about my loans.
Consumer complaint received 2021-05-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: C.Tech Collections, Inc. (NY)

Very bad comoant they are liars very bad first they lie and say they do no credit reporting their in house then I find out today they are hurting my credir score killing it with their account this is nit fair I called and they act like they dont know what Im talking about and claim they do report ans it wont be removed thjs is the first time an agency is telling me this so even after paying them they refuse to send a pay delete letter for this to be removed Im not paying them a dime until they do so
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Home Point Financial Corporation (NJ)

We are currently in dispute with Home Point Financial. They have been sent an Affidavit and Invoice for violations they have committed pursuant to 15 U.S.C. 1692g.

Copy of Affidavit, and proof of their receipt are attached.
Consumer complaint received 2022-01-07
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: Experian Information Solutions Inc. (FL)

XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from the 3 credit bureaus. While auditing my credit report, it showed an inquiry from XXXX, I never contacted or contracted with this company. I contacted XXXX by phone and letter. This is very frustrating and embarrassing, I tried challenging that they committed identity theft, Accuracy and Integrity but to no avail. My credit score has taking a a drastic hit to the negative, which is now affecting my credit score and worthiness. Now I'm losing out on deals that I was promised. They never supplied sufficient information to me in order to validate the debt, I feel violated because I do not know how they came about my credit and they won't let me know how they came about it. I do not agree with their actions. 12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 
12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and
Consumer complaint received 2021-06-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OR)

In XX/XX/XXXX to XXXX of XXXX, I filed a dispute with this credit bureau about the inaccurate reportings of the collection accounts : XXXX XXXX XXXX  Account number XXXX -- XXXX XXXXAccount number XXXX and Account number XXXX. I have attached my disputes with this complaint.Credit Reporting Act any inaccurate and unverified item must be removed from my credit report. I have sent a dispute with evidence for the removal of these three account and this credit bureau has not complied with the laws of the Fair Credit Reporting Act. So now I'm asking cfpb to step in and help me with this issue of the removal of these inaccurate items that are being reported. thanks
Consumer complaint received 2023-07-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: WSFS FINANCIAL CORPORATION (DE)

Someone called my bank and fraudulently tried to clean out my checking account and and when there wasn't enough they cleaned out my savings and over drew that account. The money never left my checking account and the account was frooze. 6 weeks later i closed my accounts and 1 month after that the bank placed me into collections for my overdrawn savings account that they overdrew! I didn't know about it untill I got turned down for a mortgage.
Consumer complaint received 2020-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services (NY)

My student loans were bought by ACS Conduent and each time I contacted the servicer, they would steer me to forbearance. They didn't provide me with proper information regarding loan options which would be best suitable for me and gave me " the run around. '' They would often take extra time processing my paper work which kept me in forbearance longer. XXXX  XXXX   XXXX  XXXX  ( ACS ), XXXX. XXXX  XXXX, XXXX TX XXXX was my servicer from XXXX- XXXX.
Consumer complaint received 2019-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION (NE)

Hello, I called My bank Pentagon Federal credit union at the end of XXXX asking if I wanted to pay the cash advance from the balance transfer I had how can I do that. The member service rep told me. # 1 Stop making purchases on the card. So I cut the card up. # 2. Any additional money paid to the credit card would get applied first to the cash advance and then to the purchases. # 3 the agent mentioned I should transfer the cash advance balance to a 0 % interest card to get that paid off if it was fee-sable. I said great. I ended up opening another card with another company to transfer the balance of the cash advance. 

The company I opened the transfer with sent pentago federal a check for {$4000.00} I looked at my statement today and i noticed that I'm still showing the purchases and I'm still showing the cash advance. Both have the same interest rate. I told them they should of got rid of the cash advance and only had the purchases. 

Purchases 13.99 % {$2500.00} {$29.00} {$2500.00} Cash Advances 13.99 % {$2500.00} {$30.00} {$2600.00} They Specified per Government regulation that they had to do it this way. So I would like to know if this is indeed accurate or if they could of applied it all to the Cash Advancement and any remaining to the purchases. 

Here was there response to me. I'm not satisfied since I did what there rep told me to do to try to clean this up. 

Upon speaking directly with our credit card department, they stated the following : When payments are made over the minimum, the remainder will be applied to the balance with the highest interest baring balance. If 2 balances are at the same APR, we split the payment between the 2. There are numerous outstanding purchases on this card. Purchases and Cash Advances ( or expired balance transfers ) are at the same rate, therefore the system split the payment between the 2. 

Unfortunately, the Member Service Representative you spoke to may have misunderstood the situation and provided incorrect information. 


Please let me know
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed a XXXX XXXX auto loan account and provided documentation of the lien release and title and XXXX fax reported after it was updated in XX/XX/XXXX. So they are still reporting it as I owe the debt. The account has been on my credit report since XX/XX/XXXX. XXXX  refuses to actually dispute anything. They even told me that inquires cant be disputed even if they are fraudulent. They refuse to remove anything off my credit even when I provide documentation that the item is incorrect or has been paid.
Consumer complaint received 2020-02-07
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. (AR)

XXXX XXXX sent me a email that it looked like my personal data may had been compromised. I reviewed everything and there was several unknown inquiries and accounts that certainly did not belong me. I pulled my credit and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

XXXX XXXX  XXXX {$2600.00} OFFICE OF THE ATTY GEN XXXX {$0.00} US DEPT OF ED/XXXX  XXXX {$24000.00} XXXX/XXXX XXXX XXXX {$0.00} XXXX   XXXX XXXX XXXX XXXX {$2100.00} XXXX  XXXX {$2600.00} XXXX   XXXX XXXX  XXXX {$450.00} XXXX XXXX XXXX {$230.00} DEPTEDXXXX   XXXX {$2100.00} XXXX/XXXX  XXXX   XXXX {$2000.00} XXXX XXXX XXXX {$910.00} XXXX XXXX {$0.00} XXXX  XXXX {$500.00} XXXX XXXX {$420.00} XXXX XXXX {$680.00} XXXX/DEPTPFED   XXXX {$7100.00} XXXX XXXX A XXXX {$270.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2022-08-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (FL)

Comenity bank calls me from different phone numbers in different states. They called me yesterday XXXX times. Theyve already called me twice this morning and its only XXXX XXXX locally. They call when I am at work repeatedly and its going to make me lose my job.
Consumer complaint received 2020-02-07
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. (TX)

I downloaded XXXX XXXX yesterday for the first time and I noticed had several accounts that didn't belong to me. So I decided to pull my report and notice two accounts that are not mine.
Consumer complaint received 2020-02-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PlusFour, Inc (TX)

I am disappointed with the response received due to plusfour failing to validate that insurance and the medical company have worked through my claim as of XX/XX/2019 and nothing is owed on my end. Also that plusfour has private medical information which I never released and is a complete violation of Hippa. 

This was never a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Which at minimum should include the following. 

Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 

I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

I am allowed proper validation under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I requested full documentation of what you received from the provider of service in connection with this alleged debt. 

I attached the private information that plusfour responded with that was a complete violation of my rights to privacy. And in absolutely no way was VALIDATION that the debt is owed to them.
Consumer complaint received 2020-02-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (TX)

Phoenix Financial Services violated the Fair Credit Reporting Act by not allowing me 180 days to make a payment on the account before reporting to the credit bureaus. They contacted me late XX/XX/XXXX to talk about settling the debt and payment arrangements which I was willing to do. I told them to contact me in XXXX to set up payment arrangements because I had just paid all my bills and I didn't have any money left. The woman agreed to contact me in XXXX. They never called. I called on XX/XX/XXXX because I noticed my credit report had a new collections account on it that significantly dropped my score. I spoke with two women who said it was their policy to report any collections account after 45 days which is totally against Fair Credit Reporting Act. This was something the First Lady never told me about. If she had, I would've tried everything to make that payment in order to protect my credit. Since they didn't allow me enough time to pay on the account, I believe they violated the applicable laws and regulations regarding debt collections.
Consumer complaint received 2019-09-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC. (WI)

Opened case a year ago. This has been on my credit report for over 11 years seriously effecting my credit. It should have been only 7 years to clear it off but yet is still reporting making everything cost more.
Consumer complaint received 2019-11-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (TX)

On XX/XX/16 I logged into my auto loan account to make a payment. I have fallen behind due to less hours at work but I still make a payment every 2 weeks. I am behind 42 days and was logging in to make a payment. My account said you have been approved for 3 or 4 payment deferments to assist me on my account I just needed to click sign paperwork electronically. I clicked and it stated your modification offer has expired. I contacted customer service and told them I did not know I could do a modification and she said it was only for 48 hours then asked when I could make my next payment? I said I made one today but I am very interested in the deferment so I can be current on my loan. She said sorry you no longer qualify for that offer. I asked what made me qualify and why did it expire the same time I saw the offer? She said I am sorry it is no longer available then again asked when can you make your next payment. They get some reward for securing your next payment and the modification offer was a trick to get me to text them and inquire about the offer. Very deceptive and shady practices.
Consumer complaint received 2020-02-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (NY)

After months in mandatory settlement conference, we received a trial modification agreement from XXXX XXXX, XXXX XXXX XXXX XXXX, owner of loan serviced by SN Servicing. The bank agreed to this trial modification at the settlement conference on XX/XX/XXXX and then again re-confirmed all details of trial modification requirements at settlement conference with court on XX/XX/XXXX. We have fully complied, paid agreed amount, the bank attorney and contract clearly states that bank demanded to escrow for taxes and forced place insurance, and we paid that extra money. BUT now attorney for XXXX XXXX is saying they will not pay the taxes, but still want us to pay them the funds for the taxes, and that we are required to pay the taxes directly to the country, in addition to paying them monthly for the taxes, or else they will put our house up for auction again. We have full complied, attorneys for XXXX XXXX took four weeks to get the agreed trail modification sent to us, despited the fact that all the details were agreed on XX/XX/XXXX, we only got final contract on XX/XX/XXXX, after several were sent with basic mistakes. We are in full compliance with trial modification contract we have made offers of partial cash offers, which have not been relayed by servicer to XXXX XXXX, they are now threatening to auction our home again, despited fact that we are fully compliant and paying them tax, the county taxes are not late as they have not paid them. When were were in foreclosure and they put our house up for auction last year, they apparently were not paying taxes, though they had filed with court to well our home. They wanted to sell our house, but did not wish to pay taxes. They never advised us they stopped paying taxes. In summary, we are paying taxes to them for escrow in our trail modifcication contract, which they requested, and is clearly stated in their contract, but they are not paying the country the taxes, and threatening to sell our home again, if we don't double-pay taxes. 

WE HAVE ASKED ATTORNEY SEVERAL TIMES FOR CLARITY ON ESCROW AMOUNT AND TAXES, AND WE ALSO HAVE ASKED WHY PARTIAL CASH OFFER WAS REJECTED. OR IF XXXX XXXX OWNER OF LOAN REVIEWED ALL APPRAISALS AND BOUNDARY DISPUTE LEGAL DOCUMENTS.
Consumer complaint received 2020-02-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Social Finance, Inc. (NY)

I applied for a loan XX/XX/XXXX and was denied XX/XX/XXXX due to my immigration status and with complete disregard to my credit earthiness and ability to meet Sofi 's other criteria for loan approval. 
XX/XX/XXXX - I called ( recorded the call ) and was told I should not even think of reapplying because I would not be considered for a loan if my immigrations status was the same. 
XX/XX/XXXX - I mailed a certified letter to Sofi regarding being discriminated against and have not heard back. 
Denying an individual the right to contract for a loan simply because they are not us citizens or residents is discriminatory under federal law and violates the civil rights act of 1866.
Consumer complaint received 2018-10-20
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. (UT)

On XX/XX/XXXX I realized that I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2022-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (IL)

XXXX account was opened on XX/XX/2022 at XXXX XXXX ( XXXX XXXX XXXX, XXXX, IL ) using my personal information. Valid ID was used and SSN required to open this account. 

I received a bill from XXXX initially in XXXX but I do not have XXXX XXXX and the paperwork did not appear legitimate so I got rid of initial bill. I received a second bill in XXXX which prompted me to call XXXX customer service and was in touch with their XXXX department. At that time I reported that it was not me who opened the account or me who uses their services for my cell phone. The representative stated they open an investigation ticket and reported that there was no balance for the month of XXXX at that time. 

XX/XX/2022 I received a bill from a collections company called " The CBE Group, INC '' for an amount owed to XXXX XXXX of {$5200.00}. I then called XXXX XXXX again to learn that nothing was ever done about my first Fraudulent report done in XXXX and I began the process again yesterday. I went to my local police department an filed a police report. I also notified CBE Group that this was not my debt and that my identity was stolen.