davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2018-03-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

2 statements attatched. One showing a hefty XXXX  dollar fee and the other showing one below a dollar that is extremely easy not to notice if you aren't always reading every bit of your statement.

Charged me debt prot fee i never agreed to. I have filed a report once but their response was that it was all my fault for not noticing the charges. That i had been signed up since 2008 which is when i was XXXX  and jobless so WHAT IS the purpose of this fraud insurance anyways? We know though.

Either way they took my money without my permission and are refusing to give it back just because I " did not notice ''. Well, i notice now. Never used it. Didn't know it was there. I want my money back and am not going to EVER stop until I do.

If someone took XXXX   dollars from my wallet and I did not notice for awhile then found out later they dont get to tell me " Oops, you didn't notice for awhile. OH well. '' Shouldn't be hard for them to refund for money they took for free anyways.
Consumer complaint received 2022-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (IL)

On XX/XX/2022, Navient called both my father-in-law and my sister-in-law. I don't even know how they got theirs names or information. My name is still legally XXXX and do not go by XXXX. It is 100 % inappropriate for them to be calling any of my family let alone my in-laws. I have made the request for them to stop and that I am reporting them.
Consumer complaint received 2021-09-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

The department of navient education is reporting 6 late pays on all 3 of my credit reports and mailed off letters on XXXX XXXX asking them to kindly remove because that information is incorrect. and they have not done so. I also disputed this information before that
Consumer complaint received 2021-09-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

The department of navient education is reporting 6 late pays on all 3 of my credit reports and mailed off letters on XXXX XXXX asking them to kindly remove because that information is incorrect. and they have not done so. I also disputed this information before that
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Within my credit report under the Landlord-Tenant History there is a judgement. The disposition of the judgement reads : JUDGEMENT WITH RESTITUTION OF PREMISES. The filing date is showing XX/XX/XXXX and the judgement date shows XX/XX/XXXX. This information is inaccurate. There was a satisfaction of judgment filed on XX/XX/XXXX. This information should have never showed up on any of my credit reports. I lived in the said address for 6 months after the original judgement was filed. There was never an eviction yet it appears to look that way when my credit is pulled.
Consumer complaint received 2024-03-18
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: SOFI TECHNOLOGIES, INC. (WA)

I refinanced my mortgage through a different lender and used the proceeds to payoff a personal loan through sofi. Check was mailed XX/XX/2024. After multiple attempts to verify they received it, I was told by sofi that they received an envelope with the payoff letter but no check so I cancelled the check and had a second check sent, this one with tracking. The second check was sent XX/XX/XXXX and received by sofi XX/XX/XXXX. It was deposited the same day as I have a copy of the deposited check. Sofi later tried to deposit the first check that they claimed they never received. Ive called/chatted no less than a dozen times attempting to get this debt paid off. As of XX/XX/XXXX, they still have not found the second check despite depositing it XX/XX/XXXX. My account is currently past due as the payoff check is already {$4000.00} over the payoff amount and this would have been handled weeks ago if they didnt claim they never received the original check. I would like to get this resolved.
Consumer complaint received 2021-09-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The department of navient education is reporting 6 late pays on all 3 of my credit reports and mailed off letters on XXXX XXXX asking them to kindly remove because that information is incorrect. and they have not done so. I also disputed this information before that
Consumer complaint received 2021-03-29
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (NY)

Fedloan Services are reporting the duplicate loans as closed accounts and transferred and also as open and current on my credit report. The closed loans were apart of the Rehabilitation Program by Department of Education which were in good standing after they were consolidated and the completion of the program. I was promised that the past late payment would be removed and sold to another loan carrier. Fed loan picked back up the loans and are reporting the same loans as current and in good standing and the closed account as missed payment. All the loans have the same amount and loan account number. I have disputed this error with fed loans and was giving the run around to why the duplicate loans ( which are the closed account loans ) were not removed from my credit report after I finish the Department of Education Rehabilitation Program.
Consumer complaint received 2018-03-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (AL)

I received a bill from XXXX but I have not used XXXX in at least 15 years, I have not even been on their site yet I received a bill for {$49.00} with no explanation. Obviously a scam. There are hundreds of complaints regarding Convergent/XXXX on " XXXX '' and other consumer sites where XXXX is using the same identical scam.
Consumer complaint received 2018-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

My Identity was stolen on XX/XX/XXXX. Chase claims this was unrelated to them closing my account, a week later on XX/XX/XXXX, but I don't believe that. Also, one of the credit cards I was using had a {$450.00} annual fee which Chase has refused to refund me, despite me not wanting the account closed. This decision also came conveniently right after the 30 day refund window closed. Coincidence? I think not. Before Chase started ruining my credit score I was just under 800. Now I am around 700.
Consumer complaint received 2018-03-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (VA)

I resubmitted paperwork for an Income Based Repayment Recertification ( IBR ) the first week of XX/XX/XXXX OnXX/XX/XXXX ; AES sent an email thanking me for submitting an Income Based Repayment Plan request and stated that once my request has been processed they will be sending me communication advising of the outcome.

On XX/XX/XXXX ; AES sent an email stating that my IBR request is on hold and they will process my IBR recertification request once the final bill of my current schedule is generated on XX/XX/XXXX and once they have processed my request they will send a follow up email.

When I log onto my AES Success account I noticed that a repay bill is due for XX/XX/XXXX and each time I have checked there is a different payment amount and date. It is clear that someone has been going into my account and tampering with it. Because of all the personal and sensitive information on this account ( social security number, birth date, etc. ) this is a breach of my privacy. I am also concern with the week gap between when AES is going to process my IBR plan and the scheduled due date of payment until they update my account. I do not want any negative reporting on my credit report because on their processing procedures.
Consumer complaint received 2018-03-24
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. (FL)

I have an extended fraud alert on my equifax credit profile. There are two fraudulent inquiries listed on my credit profile that I did not authorize. XXXX and XXXX. I am requesting that these fraudulent inquiries be removed from my credit profile ASAP within 4 days of receiving this complaint. I have filed a ID theft affidavit and I am contacted my attorney if not removed I will file a lawsuit against equifax due to their security breach!
Consumer complaint received 2018-03-24
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: World Acceptance Corporation (IL)

A personal loan was taken out with XXXX XXXX. After being unable to pay and informing them of this. They constantly called my work, friends and family and of course myself. I notified them with via phone to stop contacting my friends family work and myself and they continued. I finally sent a certified return receipt requested cease and desist letter. The phone calls continued. I have contacted a bankruptcy attorney to file bankruptcy this only made XXXX more upset. I need her to stop this repeated behavior of harassment and intimidation.
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

In accordance to FCRA Section 609, these accounts was further disputed in XX/XX/2017. XXXX did not respond to initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and these XXXX accounts to XXXX credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XX/XX/2017 and past 60 days when these accounts were initially disputed. XXXX XXXX has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. In addition, XXXX XXXX, Equifax, XXXX and XXXX received certified letters requesting validation on this inaccurate report. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed these accounts on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one. I feel that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition on XX/XX/2017. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. I have also provided proof that they received the letters which was sent certified mail over 3 times to the credit reporting agencies and XXXX XXXX. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. If they were sure they belonged to me, why is it so difficult for them to provide proof that this account is mine, I would like documentation with my signature, and receipts. This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from XXXX XXXX with filing legal suit against them.
Consumer complaint received 2016-10-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NY)

Hi, I am filling this dispute, Because of Bankruptcy record on my credit report its too old and pass the time limit and it should be deleted from my credit report, Also when i pull my credit report from indipended sourse, the bankruptcy will not show on my credit and somtime it will, butXXXX it will show on thier oficial web site I have contact the all XXXX bureau Company only XXXX '' removed the disputed item rest of XXXX company ( Equifax & XXXX ) has not comply with my request So, I am requesting CFPB please re investigate this matter and have the " XXXX & EQUIFAX deleted the incorrect information thanks XXXX, XXXX
Consumer complaint received 2021-06-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (GA)

I received an alert on my credit file stating Security Credit Services were added to my credit report as an collection. I have made several attempts via phone and left several voicemails, I have sent emails and letters to this company since the beginning of XXXX and I haven't received a response going on two months now. This debt doesn't belong to me nor has the company reached out to me to notify me or provided validation of the debt or the amount they have placed on my credit file.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sunbit, Inc. (LA)

I am writing to file a formal complaint regarding identity theft that has significantly impacted my financial well-being. Upon reviewing my credit report, I discovered unauthorized accounts and inquiries, indicating fraudulent activity. 

Incident Details : - XX/XX/year>XXXX XXXX SUNBIT Amount {$1400.00} - Steps Taken So Far : Filed FTC Report This incident constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), both of which are designed to protect consumers from identity theft and ensure the accuracy of their credit reports. Specifically, the FCRA mandates that consumer reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports and provide consumers with mechanisms to dispute inaccurate or fraudulent information. Additionally, FACTA requires financial institutions and creditors to establish procedures to detect, prevent, and mitigate identity theft. 

I request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and take appropriate enforcement actions against the parties responsible for the violations. Specifically, I seek : - Removal of any fraudulent accounts or inquiries from my credit report- Assurance that my credit information will be safeguarded moving forward Enclosed are copies of relevant documents. 

I urge the Consumer Financial Protection Bureau to act swiftly to address this issue and hold accountable those who have violated my rights under the FCRA and FACTA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Stallings Financial Group, Inc. (GA)

I paid in full my balance to Stallings Financial on XX/XX/2017. I received aletter with a XXXX balance form the company. The company is reporting to XXXX that this is an unpaid collection. XXXX has attempted to verify the status of this account 5 times and Stalkings is continuously verifying it as an unpaid debt. Attached is the XXXX balance letter, a copy of my bank statement showing when I Paid. I contacted Stallings and they said there is nithng they can do when I asked them to submit the account as paid to XXXX.
Consumer complaint received 2018-03-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (FL)

I've received an alert on my credit report yesterday that there is a collection account that is unpaid. I IMMEDIATELY contacted the collection companyWAYPOINT RESOURCE GROUP. They advised me of {$260.00} debt that is unpaid from XXXX XXXX. I advised them I've never received any notification from them advising me of the debt. I've never had any accounts with the creditor. Ive never reside at the address that they provided me. I'm requesting for some help, If i was noticed in writing, I would of been able to challenge them and write them. This just appeared on my credit yesterday and this is unethical and wrong, I'm asking for this to be removed from my credit and please send me notification.There trying collect a debt that's not mine and never sent me anything in writing. Why is it allowed for anyone to just put something on your credit? The consumer has to now fight to get something removed that's not theirs.
Consumer complaint received 2022-08-10
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: CITIBANK, N.A. (GA)

In accordance with the Fair credit Reporting Act this CitiCard Account has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-04-30
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. (NJ)

For XXXX, XXXX, and XX/XX/2020 XXXX  XXXX XXXX reported that payment had not been received for a credit card account and that an outstanding balance remained. I had sold my home a few months earlier and had a high balance on this account for which I made a lump sum payment to XXXX  XXXX XXXX around XX/XX/2020. Upon making this payment over the phone I was under the impression the account was satisfied and paid in full, but unfortunately there was interest still remaining. I did not have a new place yet so therefore no new permanent address. Mail forwarding had ceased so I did not receive the final statement with the remaining balance of interest due. It was an oversight that was not realized until I received an email from Experian stating my credit score had decreased by over 100 points. It was then I realized the unpaid balance from XXXX  XXXX XXXX for which I contacted and paid immediately. Unfortunately, it was too late and the credit score had suffered drastically. From about XXXX to XXXX currently. I contacted XXXX XXXX XXXX, and at first they claimed they could do nothing, but a few months later second phone call proved worthy, as the agent assured me it would be handled. It was handled and a letter was sent to Experian and myself stating the inquiry be removed. After 90 days, there was still no change/adjustment to my report so I opened a dispute with Experian but still no change. Experian chose to disregard XXXX  XXXX XXXX 's letter. This was an honest oversight on my part and XXXX  XXXX XXXX saw it that way thus their letter " to remove the inquiry on XXXX XXXX. '' Unfortunately, Experian is refusing to remove this inquiry and the new credit score of XXXX is making it difficult for me to purchase another home. XXXX XXXX recently ran a routine credit check and because of the current score, increased all interest rates on my personal and business accounts. I hope the CFPB can help get my credit score back to the level I've worked my entire life to achieve. The 3 late payments are really weighing down on my score.
Consumer complaint received 2021-09-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (NY)

PHH Mortgage is impossible to communicate with. 
Recently they have realized how much money they could make processing the phone payments for which XXXX XXXX was charging a {$7.00} fee. 
What they did was turn a simple process into a complicated process which now takes ten minutes and eighteen separate phone prompt decisions just to make a basic mortgage payment.

Also the language is basically designed to confuse their mortgage holders in order to collect more money by creating approximately two dozen opportunities to make a mistake which is very confusing for their senior customers.

PHH is an evil empire and this issue needs to be addressed as soon as possible.

PHH also sends out fake letters claiming mortgage payments could be cheaper in order to receive those fees when actually any late payments in the past year makes it impossible for someone to qualify for these offers! 
.