davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (IN)

Navient is harassing by calling way too often - and with auto dialers. 

Navient will call around 10 times a day from various numbers - whether you pick up or ignore the call it's the same message or silence.
Consumer complaint received 2019-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Continental Finance Company, LLC (GA)

Sent a certified debt validation letter to the the XX/XX/2018 requesting the company to validate the debt. The company in response sends a letter stating they could not " VERIFY '' the account instead. Which shows they disregarded that I asked for " validation of the account ". The account was discharged through my bankruptcy and the account is still reflecting as if I currently owe a debt of {$850.00}
Consumer complaint received 2018-12-28
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: SUN LOAN COMPANY INC. (TX)

On XX/XX/2018 I had sent SUN LOANS a request of Consumer CHECK for physically verifiable PROOF of validity and CERTIFICATION of mandatory COMPLIANT REPORTING, even to METRO 2 FORMAT REPORTING COMPLIANCE and DEMAND OF REMOVAL OF ANY AND ALL ITEMS NOT DOCUMENTED AS FULLY TRUE, CORRECT, COMPLETE, VALIDATED, COMPLIANT per M2C FORMAT and CERTIFIED AS SUCH with legal standing in full accord of my STATE 's and the applicable FEDERAL regulatory reporting laws and standards of lawful reporting. The letter was sent certified mail and received on XX/XX/2018 XXXX XXXX. 

As of XX/XX/2018 I had received no response and sent them a second letter of their FAILURE TO COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. 

On XX/XX/2018 after the 30 days and after my second letter I received a Debt Verification Response. 

On XX/XX/2018 I sent a letter thanking them for the DEBT VERIFICATION and explained to them that not only that I never asked for a DEBT VERIFICATION, that This request was unanswered in the time frame allotted by federal law and was indeed a FAILURE TO COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. As you are well aware, federal law requires you to respond within 30 days. 

My second letter outlined the fact that my request did indeed go unanswered as I have documented proof of delivery and signature of the Certified mail I had sent.The DEBT VERIFICATION sent does not indemnify Sun Loans of the responsibility and legal requirement to supply EVIDENCE detailing the CERTIFIED nature of the TRUE CORRECT and COMPLETELY COMPLIANT REPORTING of the alleged validated data, even to the full mandatory standards of the METRO 2 FORMAT.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I just got my credit report on XX/XX/XXXX notice on my accounts on my credit report are complete and accurate which is a violation of 15 1681e ( b ).

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681u ( 5 ) ( A ) ( i ) & ( ii ). At this point, I believe they are doing this on purpose. According to 15 USC 1681e ( b ) Whenever a consumer reported agency prepared a consumer report, she 
follow reasonable procedure to assume maximum possible accuracy of the information concerning the individual whom this report relates. They must be blind, because everything is inconsistent.
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: HANCOCK WHITNEY BANK (LA)

I have a $ XXXX line of credit with Hancock Whitney Bank against a {$1.00} million+ property here in uptown XXXX XXXX XXXX 
During covid I lost all of my XXXX University tenants who vacated their apartments and returned home leaving me with little or no money to pay my mortgages. 
~Hancock Whitney did not offer me forbearance or any form of modification whatsoever.

When I found out I was being foreclosed on I called them and was belittled and made fun of.~ I can find out that person 's name for you.

All of my attorney friends received hundreds of thousands in PPP loans for their respective law firms which they didn't even need! I didn't qualify.

WHY WAS ALL OF THE PROTECTION FOR TENANT/EVICTION AND NOTHING FOR LANDLORDS BEING FORECLOSED ON?

I don't owe Hancock Whitney much against this prime piece of property.

Can you please help me with this?
Consumer complaint received 2020-08-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (WA)

In regards to resolving a issue, I reached out to an attorney in XXXX and there was no way to get a hold of them to resolve this issue so now I am reaching out to the CFPB to get this resolved. 

This email is sent from an general attorney on base XX/XX/2019. 

Good Afternoon Ma'am, I have been trying to get in contact with the leasing office since we met. I have left voicemails and have not had any of my calls returned. I will draft a letter requesting information and request your deposit, additional rent, and cost for the carpets be refunded to you immediately. Because of the time difference, if it is at all possible for your husband to go to a local Legal Assistance Office, they may have better communication capabilities with the apartment complex. 

Before I send the letter, I will provide you a copy for review. Please let me know if you have any questions. 

XXXX, XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX XXXX Legal Assistance XXXX FOR OFFICIAL USE ONLY. Information contained within this document or its attachments may contain personnel information, disclosure of which is generally prohibited by the Privacy Act ( 5 U.S.C. 552a ).  Protected information included in this document or its attachments are in accordance with section ( b ) 1 of the Act which permits disclosure to individuals within the Department of Defense ( DoD ) with an official need to know. Release of such protected information outside of DoD is prohibited.
Consumer complaint received 2019-01-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (PA)

I made a payment on-line on XX/XX/XXXX, which I intended to cover the payment due on XX/XX/XXXX. The payment was applied to my XX/XX/XXXX due date, so a double payment was made. No warning was available on the Lending Club website to inform me that the payment was applied to the XX/XX/XXXX cycle. Now, Lending Club is unwilling to make an adjustment to make my loan current. My loan is now over 15 days late and a late fee has been applied. I do not have money in my budget to make an additional payment. 

So I'm being penalized for being early with my payment and not remembering the " fine print '' of a loan agreement. I feel like a reasonable person sees a due date as a deadline to make a payment, and would see it as better to pay prior to the due date than after. I'm sure I'm not the only borrower who has had this experience.
Consumer complaint received 2020-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (AL)

This company is reporting an old account of mines as a charged off.Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt.i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2019-09-15
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NV)

My card was sent to the wrong address in the mail so I never received it. I sent a number of emails letting them know I hadn't received the card and I was unable to make the payments or set up my account online without having the physical card and never got a response. I've tried to reach out to the company responsible for the store card but got no responses over the past 2 months.
Consumer complaint received 2020-02-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XXXX I contacted Bank of America to refinance my home mortgage. The property was awarded to me in a final divorce decree dated XX/XX/XXXX. The bank disallowed the refinance of my home without the inclusion of my ex-husband if the refinance was to go forward. The universal loan application prepared by the bank included that only my name was to be included in the title/deed paperwork. 

During the preparation of the loan paperwork I was contacted a few times with regards to the preparation of the title deed, each time i indicated that I was to remain the only name on the deed. When the loan paperwork was provided for signature, it included both names, transferring interest back to my ex-husband, incorrectly. 

The bank updated the loan paperwork through an amortization to remove my ex from the loan paperwork, how ever, the bank is unwilling to update the error made on the deed. They are unwilling to correct the error that their third party loan paperwork company ( LSI ) prepared by including my ex on the title deed. 

I understand that errors in loan paperwork may be altered with a Mortgage Information Correction, however, this, nor any other options have been provided to me where the bank would correct the clerical and administrative errors that have placed me in this position.
Consumer complaint received 2021-03-05
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: JPMORGAN CHASE & CO. (TN)

JPMCB placed a hard inquiry on my credit report. Also for the past several months I have been receiving phone calls from Chase Bank regarding my credit card which I don't have and never applied for. 
I may be a victim of identity fraud.
Consumer complaint received 2018-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (NY)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXX, NY XXXX. The following addresses are not mine please remove them : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX
Consumer complaint received 2018-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (NY)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXX, NY XXXX. The following addresses are not mine please remove them : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX
Consumer complaint received 2021-07-20
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$750.00}, {$12000.00}, {$3500.00}, {$2400.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$750.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 


-- AUTO LOAN OR LEASE XXXX. XXXX XXXX CREDIT with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2018-12-29
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: EQUIFAX, INC. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX   ( ORIGINAL CREDITOR : XXXX XXXX XXXX )
Consumer complaint received 2020-08-01
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: Nelnet, Inc. (VA)

Nelnet is reporting late payments on 20 different accounts on my XXXX & XXXX credit reports in XX/XX/2019 when those accounts were in forbearance during that time and then paid in full through consolidation in XX/XX/2019. I previously disputed & the reply was that they had backdated the forbearance & " A backdated administrative forbearance does not modify previously furnished data. '' That is incorrect because you have an obligation to report correct information and if you are aware that I was granted a forbearance effective for that time period, and therefore nothing was owed at that time, and therefore nothing was late, then you are incorrectly reporting that I was late for that time period but not correcting it now. Additionally, Not updating this information is drastically affecting my credit & updating it does not harm Nelnet in any way as you have been paid in full & do not even hold these loans any longer. I need this resolved asap. 

This comes directly from the department of education in re to previous incidents like this : " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. 

Section 607 ( B ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. It is our view that a CRA that refuses to accept updated and corrected information from a furnisher on student loan accounts, if it still maintains that information in its database, does not have in place " reasonable procedures '' to comply with this section with respect to such accounts. '' You are in violation of the law by continuing to allow this incorrect information to remain on my credit report.
Consumer complaint received 2020-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (TX)

On my XXXX XXXX XXXX {$37.00} charge from XXXX XXXX XX/XX/XXXX Barclays Credit Card Holder I immediately contacted same day and spoke to XXXX from the XXXX XXXX Dept. XX/XX/XXXX. She said that I will have to wait until hit hard post the acct. I understood 100 % since I do work in the XXXX XXXX of work 25+ years Today XX/XX/XXXX, called since the charge has posted to the acct. Now XXXX from the same card company is saying I have to wait 15 days from the hard post date. Never heard of that Why is that? 

I can see for cashier checks or official checks. 

But a charge on a CC that I have no clue about. 

Same company cc I have filed at least 2 charged, immediately provided me great service. 

Now why not today!
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX  refuses to remove known inquiries that are hurting my credit. I have contacted the company several times and they refuse to remove the inquiries. They told the CFPB that they sent me investigation information which IS NOT true at all. They have yet to send proof of my consent to these inquiries as asked and I want them removed immediately.
Consumer complaint received 2019-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Quality Recovery Services, Inc. (GA)

Sent a certified debt validation letter to the the XX/XX/2018 requesting the company to validate the debt. Have no recieved a follow up from the company. The was discharged through my bankruptcy and the account is still reflecting as if I currently owe the debt
Consumer complaint received 2023-06-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2019-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MA)

My card was charged with something i did not purchase. I contact the credit card company and they said they were looking into it. In the mean time don't do anything. After a couple of months of this happening several times the issued was resolved but the credit card was reported as late payment for 120 days. I tried to have it fixed with the credit card company to remove that late payment but no response from them.