davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-10
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. (MO)

In accordance with the fcra the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c.1681 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 15 usc 1681 section 602 ( a ) states I have a right to privacy.

15 usc 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish a account without your written instructions.

15 usc 1681 ( c ) ( a ) ( 5 ) section states no consumer reporting agency shall make any consumer reporting containing any of the following items of information any other adverse item of information other than the records of convictions of crime which antedates the report by more than 7 years.

15 usc 1681 c-2. ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or gas reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-12-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CU Recovery, Inc. (OH)

Repeated collection letters about debt owed when auto was reposessed and austioned for less than amount owed. 

Lost employment and ability to pay loan after a XXXX in XXXX. Have informed collection agency of inability to pay on several occasions but new collection letter is sent every six months.
Consumer complaint received 2022-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MA)

I wrote a formal letter on XX/XX/XXXX, requesting that Caliber Home Loans remove private mortgage insurance, as the LTV is now at 73 %. My husband and I have worked diligently to pay down the loan to 78 % LTV since we closed on our new home in XX/XX/XXXX. 
We originally put 10 % down when we first purchased the home. We were able to make a large sum payment a month after our home purchase of $ 50k to get it down to 80 %. We've continued to paid it diligently and brought it down to 78 % but the PMI still isn't removed. My husband and I have both called in to ask customer service to remove it. Nothing has been done. 

According to the amortization in my signed closing package it is removed at 77.78 % LTV. The website also says it is automatically removed at a 78 % LTV. 

I've attached the letter I mailed and also submitted to them online requesting the removal of PMI ( this letter includes a copy of the original signed closing disclosure ). I've also attached our signed closing package with amortization schedule that shows when PMI is removed. I also attached the website print out explaining when PMI is removed. Lastly, I've attached a recent mortgage statement showing what our loan balance is currently showing.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

I've challenged the negative information reported by Select Portfolio Servicing. I've never signed a contract with Select Portfolio Servicing and I've never conducted business with this company. They are reporting a high balance of {$470000.00}. This is being reported in error and should not be on my credit report.
Consumer complaint received 2017-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc. (SC)

no contract, I send a letter certified letter to verify the debt on XX/XX/2017 and never response to the letter. I did advise in my letter if cant verify, please remove off my credit and it was never removed.
Consumer complaint received 2022-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-03-14
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: Experian Information Solutions Inc. (TX)

I received the attached settlement letter from XXXX XXXX XXXX XXXX ( XXXX ). I owe nothing for 3 reasons. I never had possession, fraudulent loan, BUT at a minimum, if XXXX had done their job as a professional company, we would not be talking today. XXXX and Experian did not have permission to access my private credit report. See attached application / permission sent to me by XXXX as reason for accessing my credit report. It is incomplete and should have not been processed AS IT EVEN STATES AT THE TOP OF APPLICATION! It is incomplete and undated. Experian can waste my time and their time by punting this to XXXX who will deny deny deny. XXXX will not admit an error and would rather extort a settlement from me. XXXX is making as much money as possible since they made a mistake. XXXX dangles poor credit over consumers heads.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NY)

On XX/XX/XXXX at XXXX there was an unauthorized charge in the amount of {$1700.00} by XXXX XXXX . Prior to this I was at a friends house for no more than 10 mins to pick up food his mother has made. I realized that my door was open but I had thought I did not noticing. Few moments later Im back at my friends house to see if I left my phone. At that point I realized both my wallet and phone has been missing. I contacted chime and they denied this second day and I called back and try to re open and denied again, last conversation I had with them he was rude because I asked did the person use a pin and he couldnt Answer, although I keep password manager on which can explain how he or she was able to get into my chine account but I do not keep any pins in my phone and customer service said a physical card was used
Consumer complaint received 2016-02-11
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capitol One XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Dear Sir/Maam, As a longtime customer, I would like to thank Capitol One for all the remarkable service they have given my family over the years. I hope to continue service with your company into the future for many years to come! 
However, it is my responsibility as a consumer to make you aware of the illegal practices of XXXX of your companies who use your services, namely Menards, of XXXX XXXX XXXX. To begin in XX/XX/XXXX I was having my home remodeled and needed supplies. 
I went to Menards to purchase supplies but they did not have them and said they would have to be ordered. I gave them my credit card and paid for everything including delivery. I told them I must have these supplies delivered by a specific date. After calling them, they called back and said they would not be able to get them there on time for delivery. I immediately canceled my order and told them to give me a refund. 
This was in XX/XX/XXXX. The next billing cycle I received a bill for all the merchandise I NEVER PURCHASED AND HAD REQUESTED RETURNED and called Capitol One, who promptly confirmed my information with Menards. Capitol One said Menards said they had credited the account but Menards never did. Again, I called Capitol One who confirmed that Menards had not credited the account and suggested I return to the store I had visited, which I did. I spoke to an assistant at the desk who said they would handle the return Naturally disappointed, I called Capitol One back. They attempted to make contact and show Menards who had done nothing to credit my account. A couple billing cycles and a couple turns with the Capitol One resolution department finally generated a partial credit on my account. However, I noticed that Capitol One, had sent me yet another bill now for almost XXXX dollars! 
I again contacted Capitol One, who called Menards to ask what was this new charge? No one knew. Finally after a half dozen visits to Menards and over 30 hours of wasted time, I was told that by the way, that was a restocking fee I was being charged for items never ordered, purchased or delivered, since I had already stopped the order before it began! 
Again, I went to Menards, expressed my dissatisfaction and was told well, if you want, we can give you a store credit but we can not refund your account. How can they issue a refund but not a total refund? I told them me financing a store credit was unacceptable and they had no authorization to charge any fees to my account for canceled, undelivered products, which they did not even have available, causing my immediate cancellation. 
In summary, Menards actions amount to nothing less than fraudulent, deceptive and unethical business practices and it should be rightfully and hastily rectified in the interest of honesty and fair trade. If I may be of further assistance please feel free to contact me at your convenience.
Consumer complaint received 2022-03-14
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. (CA)

MY INFORMATION HAS BEEN INVOLVED IN A MAJOR DATA BREACH WITH EQUIFAX I HAVE BEEN FILING MULTIPLE LETTERS TO ALL THREE CREDIT REPORTING AGENCIES ON BEHALF OF FRAUDULENT INFORMATION FOUND. I HAD TO INDIVIDUALLY DRAFT AND SUBMIT THESE LETTERS, FINDING ALL THE INFORMATION INVOLVED IN THIS DATA BREACH THAT DOES NOT BELONG TO ME. I HAD TO SUBMIT A REPORT TO THE FEDERAL TRADE COMMISSION ON BEHALF OF IDENTITY THEFT. THE ACCOUNTS THAT HAVE CAUSED ME MANY DENIALS FOR LOANS, CREDIT AND OTHER PERSONAL PURCHASES. I HAVE LOST TIME AND ENERGY BECAUSE OF THESE FALSE ACCOUNTS.
Consumer complaint received 2022-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (NJ)

HomePoint Financial - XXXX XXXX XXXX, XXXX, TX XXXX. Loan # XXXX I have been making monthly payments, with additional principal via web. In addition, the administrator of my investment account has been sending checks for {$10000.00}, clearly labeled " Principal Payment Only '' for several months. HomePoint continually applies that {$10000.00} to my monthly payment amount for the current month and the next month ( which then results in me being prohibited from using the online system to schedule a payment for those months ). HomePoint claims that they need a paper coupon to apply the payment to the principal, that the payments are automatically processed ( which makes NO SENSE because a computer is not reading handwritten coupons, that is for sure ) and without a coupon they can not manage the request. They refuse to supply additional coupons and cite a nonsensical policy that only one coupon per month will be issued. 

HomePoint admits that they changed their policy in XX/XX/2021 so that any additional payments are applied to the current and next months ' payments. They made this change with NO NOTICE to the borrowers. 

This is a clear attempt to prolong the duration of the loan, to collect interest on money that is sent to them for principal while ALSO allowing interest to accrue on the loan itself. They are underhanded, dishonest and are harming American consumers.
Consumer complaint received 2018-07-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Total Card, Inc. (MA)

This company continues to call me at my place of employment. I have requested verbally and in writing for them to stop calling me at my employer and they continue to call and I have the voice mails to prove it that indicated date and time of calls.
Consumer complaint received 2022-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TX)

Caine & Wainer Company collection posted since XX/XX/2020 for XXXX $ that was deleted some months and came back to my credit report with unproven that debt that i never owed again. 
account number is XXXX the insurance company was already closed XXXX years ago when i got the collection again with a unverified debt that need to be deleted.
Consumer complaint received 2022-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

My name is XXXX XXXX I was issued 2 TJ Max credit card back to back unaware that happened occasionally I would log on for any balance due and notice that there was a XXXX balance on my card ending in XXXX. By XX/XX/XXXX I realized that the card ending in XXXX had a balance of {$440.00} which was paid immediately now in XXXX my credit report is ruined because TJ Maxx closed my card for interest owed a {$14.00} which I was not aware of. TJ max closed my card without making me aware of it. I now lost the opportunity to have a credit score higher than XXXX I told them that in XXXX of XXXX I contracted XXXX  but they did not care I spoke to a XXXX  who told me the best they can do is take off my late fee which will not help my credit score but he will have it taken off but as far as them closing the account there's nothing that they can do about it.
Consumer complaint received 2022-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (SC)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2023 my son alerted me concerning an email that he had just received from Wells Fargo Bank informing him that my application for a credit card had been approved with a credit line of {$15000.00}. I have not applied for any credit cards and I thought it was odd that the bank would send the message to my son 's email address, not mine. I have contacted Wells Fargo and they transferred my call to their fraud department. They closed the account and said they were going to start an investigation.
Consumer complaint received 2022-03-14
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: BMO Bank, N.A. (IN)

I have inquiries that I do not recognize on my XXXX credit report! 

These inquiries are for : XXXX XXXX, XXXX XXXX, and BMO Harris bank. They were all made on the same day, which was XX/XX/2020. 


I contacted XXXX and provided all necessary information to prove it wasn't me -- but they did not remove the inquiries!
Consumer complaint received 2022-02-08
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: Experian Information Solutions Inc. (SC)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2018-07-02
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)

I started writing letters to EXPERIAN, XXXX, AND XXXX ON XX/XX/2018. Informing them that I see inaccuracies on my credit file from these accounts listed on my credit report. XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, And XXXX XXXX Account # XXXX. I pointed out all the inaccuracies that these accounts were reporting on my credit file. And informed them it was grounds for removal off my credit report. Instead they updated and verified the accounts on my credit report. So after I received that information. I contacted the lenders myself. On XX/XX/2018 I wrote them requesting a debt validation letter for these bills which they say I owe. They sent back an itemized bill from XXXX XXXX on XX/XX/2018 ACCOUNT # XXXX, XXXX XXXX on XX/XX/2018 ACCOUNT # XXXX, XXXX XXXX XXXX XXXX   ACCOUNT # XXXX which is NOT validating the debts. They could not produce a validation bearing my signature. Per FCRA, I requested a debt validation bearing my signature to prove I owe this debt, they have not been able to send this to me. Per the Federal laws, it is my right to validate any debt from a collection agency. I request these accounts be removed with any and all of the credit reporting agencies ASAP.
Consumer complaint received 2017-04-14
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MN)

I have been paying all XXXX of my Federal student loans, and XXXX Private ones through Navient/XXXX on time for over 8 years now. I owe much more now and had no idea what this was going to do to my loans. I did n't know what Forbearance or deferment was or meant. I was forced into deferment and forbearance when I was on XXXX Leave with no income. It was presented as my only option to keep them " current ''. I sent in my pay-stubs and income based repayment application multiple times to try to lower my payments and was ignored and then denied. I found out they capitalized my interest and principle even though I was only on Forbearance or deferment from XX/XX/XXXX to XX/XX/XXXX ( 2 months ). My interest rates have increased and I do n't understand why. I should have been on a 25 year repayment plan, not 10 with my total loan amount. I feel totally taken advantage of and this this was deceived and miss led into both deferment and forbearance when it was not needed.
Consumer complaint received 2022-03-14
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: Experian Information Solutions Inc. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I received my TransUnion Credit report Approximately XX/XX/22. At that point, I began to dispute inaccurate and outdated information in my file. That request was mailed to them on XX/XX/22. I requested that the inaccurate addresses & phone numbers be removed, as well as ( 2 ) XXXX Accounts and the XXXX Accounts. I forwarded them copies of my XXXX file which had the same information and upon receipt of my dispute, the information was deleted from my file due to lack of validation. To date, I have not received any communication from TransUnion concerning this matter.
Consumer complaint received 2022-03-14
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.