davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-03
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: Navient Solutions, LLC. (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. I sent letter to DEPT OF ED/NAVIENT the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means they have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT :. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NAVIENT XXXX XXXX XXXX XXXX XXXX, NAVIENT XXXX XXXX
Consumer complaint received 2021-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (UT)

DMI claims that we did not make one of our mortgage payments ( for XX/XX/2020 ). We have made every payment on time ( we do it through automatic payment through our local bank ) and have done so for the past 8 years on this mortgage. I provided proof of payment as well as tracking numbers for the payment as soon as I was notified by DMI. However the problem is still not resolved. I have been trying to work with DMI customer service for months ( calling in near weekly ) to resolve the confusion. Always the answer I receive ( week after week ) is that the research department is working on it, but nothing ever gets fixed. Our credit scores have fallen due to DMI misreporting that we've missed a payment. This has large financial consequences anytime I want to apply for other financial services and credit is pulled. I have asked that this be fixed. I also do not have a correct 1098 form to do my 2020 taxes. I have spent so much time on the phone with DMI trying to help, and again nothing. The problem persists. I have given up working with DMI as no matter who I talk to ( customer service reps and 'managers ' ) nothing is fixed or progressed.
Consumer complaint received 2020-02-04
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: Experian Information Solutions Inc. (MA)

Disputed two bankruptcy 's on my credit report on XX/XX/2020. Experian did not explain how they received this incorrect information due to the fact that courthouses do not provide this information. If a third party vendor was used, this information is incorrect and not validated. I have written confirmation that the Court did did provide the information.
Consumer complaint received 2018-05-01
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. (AL)

I learned about several inquiries on my credit report that I did not authorize. I contacted TransUnion by letter twice stating that the inquiries were unauthorized and I had no knowledge of them. They refused to remove them stating that inquiries were factual and that would stay on my report for two years. How can they say that when I never gave any of the companies permissible purpose to pull my credit? And they have yet to provide me of any proof of such! What TransUnion is doing is a clear violation of the FCRA.
Consumer complaint received 2022-03-09
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: LEXISNEXIS (NJ)

Upon reviewing my credit report I noticed several suspicious inquiries. This is a violation of the FCRA section 1681 ( c ) which constitutes as fraudulent activity and also breach of my privacy rights. Please provide A COPY of when I sent a written permissible purpose for every inquiry. This is needed in order to validate the inquiries. I did not authorize any employee by these companies to make any inquiry and view my credit report. Finally I demand an XXXX XXXX and production of my signature authorizing the inquiry. If you are unable to provide me this info in 3-7 business days, I demand you DELETE THESE DEROGATORY and Fraudulent inquiries from my consumer report in which I gave you no wet ink written consent to furnish!
Consumer complaint received 2020-12-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and here on the website here. This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.
Consumer complaint received 2019-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

TransUnion has placed two items on my report, despite previously removing them. I have submitted police reports from various agencies and an FTC identity theft report in the past. I am listing the information below that needs to be removed. It consists of 2 accounts and 7 inquiries. 

I am attaching another identity theft report. Any additional information should already be on file.
Consumer complaint received 2022-03-09
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: EQUIFAX, INC. (NJ)

Upon reviewing my credit report I noticed several suspicious inquiries. This is a violation of the FCRA section 1681 ( c ) which constitutes as fraudulent activity and also breach of my privacy rights. Please provide A COPY of when I sent a written permissible purpose for every inquiry. This is needed in order to validate the inquiries. I did not authorize any employee by these companies to make any inquiry and view my credit report. Finally I demand an audit trail and production of my signature authorizing the inquiry. If you are unable to provide me this info in 3-7 business days, I demand you DELETE THESE DEROGATORY and Fraudulent inquiries from my consumer report in which I gave you no wet ink written consent to furnish!
Consumer complaint received 2020-02-04
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. (AR)

My daughter just turned XXXX and I wanted to get her a new car since she is going off to college. As I went into the dealership and picked out the car I wanted for her I had to get my credit report pulled and there was a list of things I was not familiar with. None of these things listed on my report is not mine. Could you please remove these items listed. 

XXXX  XXXX {$2400.00} XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX   XXXX {$140.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$130.00}
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (OH)

I have 3 negative accounts reporting with Navy Federal Credit Union. The accounts in questions will be attached to the following CFPB complaint. There are multiple payments reporting late on three different accounts. The late payments being reported was reported during a period of being on XXXX XXXX military and being XXXX. This falls under SCRA. Please review the following attachments and correct the following late accounts to paid on time.
Consumer complaint received 2018-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Utah System of Higher Education (CA)

Discovered that fraudulent student loans were taken out in my name due to identity theft. Filed identity theft report with FTC and notified all 3 credit-reporting agencies as well as XXXX. Got response from the credit reporting agencies, but XXXX will not acknowledge or provide requested information regarding the loans in question. Instead, they persist in sending demand letters and have requested that I apply for loan forgiveness without them acknowledging that the loans are fraudulent.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I have a block on my Equifax report that I have been tried to get it removed and it still remains on my file. I have spoken to 14 Equifax reps that say they will get it removed and nothing gets done!! IT IS NOT A FREEZE OR FRAUD ALERT ITS A BLOCK!!! as long as this block is on my report, I can't see my credit report and a dealership pulled my report and nothing came up, said I have no credit!!! I am XXXX years old I assure you I have credit No one at EQUIFAX KNOWS WHAT THEY ARE DOING, EACH ONE I SPEAK TO GIVES ME A DIFFERENT ANSWER.I JUST WANT IT FIXED SO I CAN AND THE CAR DEALERSHIP CAN SEE MY REPORT.I am so TIRED of getting the run around, and never had this problem before. I have no problem with the other two agencies. PLEASE HELP ME GET THIS RESOLVED!!!! 
XXXX XXXX XXXX
Consumer complaint received 2022-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I have an account with capital one bank and I was depositing a Government check! I was given the impression that the check would be available with XXXX hours. But It wasnt until after I went through the process and I endorsed the check that I was told that it would be nearly 7 days until I could get the funds. I understand banks rules but if its a longer wait, a customer should be given the choice not to!
Consumer complaint received 2019-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WESTERN CONTROL SERVICES, INC. (CO)

I hired a lawyer to help me get custody of my daughter. He guaranteed that he could get this done but he didn't. I realize that the results shouldn't have been guarenteed but he didn't do any of the things he said he was going to do but yet i kept being billed. I went to court once for my daughter but he charged me as if i had gone to court 3 times.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Kikoff Inc. (VA)

A company called Kikoff says that Im two months behind in payments for {$24.00} per month. I have never heard of them. I have a perfect payment history since Ive been in XXXX. I have contacted them and told them this is fraud and to close the account. My credit score dropped XXXX points. The do not have a phone number. Only an email address. 
Id appreciate your help!
Consumer complaint received 2019-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

American Express has a promotion for their Every Day card for 0 % interest for 15 months and zero balance transfer fee. No where in the marketing, application process or card member agreement is it stated that there is a {$5000.00} total balance transfer limit. Consumers only find out about the limit when the try to transfer a balance ; after a hard inquiry on their credit report and after being approved. I would not have applied for the card had I known there was a limit and now there is nothing I can do to reverse the hard inquiry on my credit report which has a negative impact.
Consumer complaint received 2019-04-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I was contacted by Portfolio Recovery Associates, LLC. this company on XX/XX/2019 called to collect two debts that were supposedly owed by me.The first account was for {$290.00} and the second account was {$700.00} I asked the customer service representative what address did they have on file for the debts. The address he provided was inaccurate and i had never live there before. He explained that i could dispute the accounts due to no knowledge or evidence at the present time to state the proof. He then proceeded to state that he has to read out a disclaimer stating the process of the dispusting of the account ; the creditor can not sue the consumer for the so called debt. 
After a little over a month, On XX/XX/2019, I received in the mail a letter from the debt collector showing how only one of the accounts was valid and accurate. In the envelope there was copies of bills that were sent to the inaccurate address that was on file. That is not accurate proof to show that I owe a debt. Portfolio Recovery Associates is to provide a copy of signed with signature, contract or agreement. Failure to show accuracy of the event has resoluted me to file a complaint against the company. Also. there was no valid validation stating that the other account was mine, either.
Consumer complaint received 2022-07-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Note that this was not sent in error! I am a consumer by law and my information was misused and now I am seeing false accounts, not 100 % accurate on my credit report. According to 1681i this account is in violation and reported without valid evidence. 
XXXX XXXX XXXX  {$0.00}
Consumer complaint received 2019-03-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (FL)

Received a loan from Amplify Funding on XX/XX/XXXX for {$850.00}. In early XXXX I suffered some financial problems and emailed them about stopping my ACH authorization and modifying my loan. At this point I had paid them back the {$850.00} I borrowed plus an extra {$610.00} in interest. They claim to be a tribal lender although they keep filing under other names. They are not licensed in the state of Florida where I live and received this loan. They are trying to receive another {$1700.00} with an interest of 465 % which is a criminal violation of FL usury laws. They sent me to a collection agency called XXXX XXXX and they called me at my workplace. I explained to XXXX that I will not be paying anymore money to Amplify due to my state laws and that I have already paid them more than is required in my state. Most places will only pay them back the principal that was given but they are already made double their money back.
Consumer complaint received 2018-08-08
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I HAVE ALIMONY CHECKS FROM XXXX XXXX  XXXX THROUGH ADP WRITTEN ON CHASE BANK. I WENT TO XXXX XXXX- XXXX XXXX CA BRANCH OF CHASE ON XXXX XXXX MONDAY XXXX-18 I WAS AT THE COUNTER WITH A TELLER SAID IT IS {$8.00} TO CASH A CHECK IS THAT OK- WELL NO IT IS NOT OK BUT WHAT CHOICE SO I HAVE THAT IS WHAT YOU SAY THE PROCEEDURE IS -- I CASHED 3 ALIMONY CHECKS ALL THE SAME TYPE OF INSTRUMENT OF ADP THROUGH XXXX {$500.00} WRITTEN ON THE CHASE BANK PAPER - I WAS NEVER OFFERED OR GIVEN A RECIEPT FOR THIS TRANSACTION - I CALLED THE BANK XXXX -18 XXXX XXXX  ISH A BOUT THIS ISSUE I WAS TOLD THAT IT WAS NORMAL NO RECEIPT IS GIVEN FOR THAT TYPE OF CHECK CASHING- I CALLED CHASE BANK CUSTOMER SERVICE WHO SAID NO THIS IS NOT NORMAL AND THAT A RECIEPT SOULD BE GIVEN WITH EVERY TRANSACTION- AND THEY WOULD CHECK ON IT BUT IN NO WAY WOULD THEY TAKE MY NAME & ADDRESS AND ADDRESS THE ISSUE FOR ME OF MY TRANSACTION- I ASKED FOR THE FEDERAL REGULATOR OF THE CHASE BANK AND THE EMPLOYEE -XXXX  XXXX REFUSED. ON LINE I WAS REFERRED FURTHER BY TELEPHONE HERE TO FILL OUT A FORMAL REPORT OF THE BANK FRAUD I WAS VICIM OF. 
XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2019-04-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC (TX)

On XX/XX/19 I disputed this account with XXXX. They said the account was validated by Receivable Management Services. I sent a request for validation on XX/XX/19 and I never received any documents from them. Secondly, there is another collection company collecting on the same debt. How is that possible? In fact, it is illegal for two collection agencies to collect on the same debt.
Consumer complaint received 2019-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed Equifax, XXXX XXXX and XXXX  showed Chapter XXXX Bankruptcy that I find to be problemat. 

I contact XXXX County records and asked them to take action to get this Bankruptcy removed from their records and to erase any public record with all credit reporting agencies. They assured me they do not report any Bankruptcy to any of three agencies.Whatever steps necessary to resolve the issue, but I wanted to contact XXXX County records well, just to make sure this gets done. I have confirm that three agencies use a third party like XXXX to do there investigation. All three agencies has incorrect information and they need to full investigation. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 

Please update me with a full report on your findings within the next two weeks. I  look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to this matter,
Consumer complaint received 2018-08-08
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)

Transunion had several items incorrect on my credit report. There were 3 additional names that were not my own that were on my report, including several additional addresses, phone numbers, and accounts put in collection. Incorrect date of birth, incorrect employment data, and incorrect supplemental information. In addition they showed a high amount of hard inquiries on my credit report. None of this incorrect information is on credit reports through the other agencies. I've opened disputes in regards to the collections accounts and had Transunion remove the names, addresses, and phone numbers that do not belong to me. They said they could not help with the inquiries despite them being incorrectly listed. I feel that my credit standing has been negatively impacted and should be repaired accordingly due to the mistakes by Transunion. The 2 other credit reporting agencies do not have any of the incorrect information on my credit report so this issue is limited to Transunion. The incorrect data that I am aware of on the credit report has been highlighted and attached.
Consumer complaint received 2019-04-26
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AES/PHEAA (NY)

On XX/XX/2019 I spoke with a representative before I filed to re-certify my income driven repayment plan with fedloans.gov. I explained to her my situation ... that although I was making more money than the previous year, my financial obligations had also changed. My living situation had drastically changed. I am a single parent with a XXXX year old who is starting school in XX/XX/2019, which I have to pay $ XXXX  monthly for ( not by choice ) and I also now live on my own paying a $ XXXX  monthly mortgage. I was living with my parents before and was not paying rent. I moved out of their house ... now XXXX years old. I could not afford an increase in monthly student loan payments. I was paying about $ XXXX monthly, in student loans at the time. I was seeking some form of financial assistance from the Fedloan.gov student loan representative. She told me there was nothing she could do because I did not have any forebearances left and I made too much money to qualify for a hardship deferment. I in fact had a serious hardship, and was considering defaulting on my loan because of it! This interaction with this representative made me realize why people just give up paying their student loans, and let them go into default. Its bad enough that a loan that started with XXXX/XXXX at {$80000.00} turned into {$190000.00} from just the unfair interest that accrued over a few years ... but when your trying to just keep your payments the same and reasonable so that you can support your family, and you are not given any options ... it makes student loan companies look that much more shameful and abusive. As of XX/XX/2019, Im paying {$620.00} a month towards this horrendous student loan that keeps increasing, although I graduated from college over a decade ago and it has ruined my credit and forced me to consider it not being worth trying to pay anymore, so that I can provide for my daughter and I, without the grotesque hardship it is creating for us.