davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-30
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

We previously had Auto insurance with USAA and left them due to their discriminatory practices with taking advantage of XXXX XXXX Americans and U. S. Veterans. We are now being retaliated against regarding their falsified claims for Home Insurance claims they have been reporting to XXXX XXXX and impacting us negatively when attempting to shop around for new Home Owners Insurance. USAA never paid a claim out for the Home Insurance Claims which we did not file as a claim. We only called them during a major Torando or Wind occurence in GA to inquire and just only view our home. However, we did not file 4 Claims and one is also a duplicate on the same day! Also, when I spoke to XXXX XXXX on XX/XX/XXXX, I was informed that these were not Valid Claims because there were No Payouts on them. Therefore, the following Home Claims should not be reported on our XXXX XXXX Report to further Oppress and Suppress XXXX XXXX-Americans from obtaining lower and competitive Home Owners Insurance : 1. XXXX - Home Claim USSA Reported on XXXX XXXX, XXXX 2. XXXX - Home Claim USSA Reported on XXXX XXXX, XXXX 3. XXXX - Home Claim USSA Reported on XX/XX/XXXX 4. XXXX - DUPLICATE Home Claim USSA Reported on XX/XX/XXXX This is a direct form of Discriminatory Practices which USAA has exemplified against us by utilizing XXXX XXXX to report negative and False claims to retailiate and oppress us from obtaining Home Owners Insurance! They need to be reported to SEC and FTC for their illegal practices as well!
Consumer complaint received 2021-10-05
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

This account is being reported with repetitive CO marks which is a clear violation. Please review this account and provide me with complete information and up to date payment history, if your agency is unable to, please remove.
Consumer complaint received 2021-03-01
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL (TX)

A family/relative received a letter from this collection agency ( XXXX XXXX ) to their address XXXX XXXX XXXX XXXX TX XXXX. Due to my relatives name is the same as mine XXXX XXXX. They opened the letter to find out about a debt back in XX/XX/XXXX. My relative not knowing of any debt with this company then thought of reaching out to me to inquiry about this. As I tried to figure out also, I was able to access more account information via their website and by entering my SSN I found out this was my debt. When I tried to review I see this company has my current address XXXX XXXX XXXX XXXX TX XXXX. I am not sure why they have not contacted me about this. This is totally against privacy of my debt. This address I have not lived in since back in XXXX. I want this address ( XXXX XXXX XXXX XXXX TX XXXX ) removed from their system and a complain to them on why they sent a unauthorized letter to someone else other than me. 
If they need to reach out to me about this debt. Then they need to use my current address and per their system that is the only one available to reach me and discuss about this.
Consumer complaint received 2020-04-30
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: AFNI INC. (FL)

This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I applied for business credit with XXXX XXXX. One of the primary reasons I was denied my credits was the report said I had to many requests for credit as reported by experians clarity services. To many inquiries. I reached out to experian and claritys report. Disputed the inaccurate information. They deleted all the inaccurate information and updated my new clarity report with accurate information. Because of this inaccurate information on my report. I was denied business credit. The companies violated the FCRA 15usc 1681 a ( 1 ) ( A ) rule. I will show damages I received from this violations this case is affiliated with case # XXXX also attached are emails I got from the companies they say they did a hard inquiries with. They say the dont do hard pulls only soft. As you can see emails from both companies. So why was a hard inquiry done on my report which leads to malice and punitive damages. Knowingly
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I sold a house in early XXXX and I am unable to get a quote for an auto loan that reflects the fact that : 1. I no longer have a $ XXXX mortgage. 
2. I paid off all of my credit card debt with the proceeds of the sale I understand why there is a delay in processing this information. However, when I have tried to approach each of the 3 agencies regarding when my score would reflect these changes it is impossible to get an answer. 

Their entire reason for being seems to be to steer me into new credit card loans. I see this as criminally counter to their mission of credit transparency and consumer services. How can one part of a site advise you to limit revolving debt and available credit and another part sell you new high interest cards? 

I feel like I've earned a higher score and the interest savings that entails so it's extremely frustrating to be saddled with an unfairly low rating with the added insult of being unable to get an answer to the simple question of when my rating will go up.
Consumer complaint received 2018-02-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Account Services, Inc. (NY)

Today is XX/XX/XXXX, I have not receive a letter or bill from XXXX XXXX XXXX with XXXX XXXX XXXX XXXX College. I did get a letter from Allied Account Services Inc with XXXX XXXX  creditor for {$850.00}. I was confused about who and where this bill is with. I did not know that I could dispute it. There was not a letter sent out saying that I could dispute the bill.
Consumer complaint received 2018-05-31
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. (PA)

On XX/XX/2017, I mailed a letter to Experian asking them to remove a XXXX XXXX XXXX XXXX account listed on my report that does not belong to me. I was added as an authorized user on this account without my knowledge and asked Experian to remove the account. The balance on this account is $ {$1900.00} with a high balance of {$2000.00}. 

The response I received stated that the account was verified and accurate and was not removed. The act of not removing this account from my credit report has caused unjust credit determinations and has lowered my overall credit score. I am requesting that this account be immediately deleted from my credit report.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

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 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 2020-07-16
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (WA)

Hello I have forwarded this email to my personal email to respond. This is harassment, I just spoke with Navient support this morning informing Navient that I filed a complaint with the consumer financial protection Bureau for sending my work a letter asking for my personal information, this call ended at XXXX XXXX. After I arrived to work and opened my email I see the below email was sent at XXXX XXXX  to my entire company. I will be filling a second complaint for the continued harassment at my work. 

I requested my promissory notes this morning be sent to me and I will be working on a plan of action with a third party. I will either be in touch Friday or Monday. 


XXXX On Thu, XX/XX/2020, XXXX XXXX XXXX XXXX XXXX wrote :
Consumer complaint received 2020-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (VA)

Original Loan amount : {$280000.00} Payoff amount : {$240000.00} PMI monthly : {$110.00} Current home Valuation : {$310000.00} Origination Date : XX/XX/2015 I tried to eliminate the PMI based on the home value and ratio to original borrowing. I wrote Flagstar to  request cancellation of monthly PMI of {$110.00} per month. They refused citing 75 % ratio of remaining balance to original borrowing not met. They advised I could pay {$520.00} to appraise the home to update the value. I paid the money, they sent an appraiser then made a faulty calculation of {$260000.00} - {$16000.00} below the original borrowed amount after 5 years in a steadily appreciating housing market. Appraiser did not use comparable homes next door that recently sold and on same street and neighborhood but erroneously used condos close by that do not include land value in consideration. My home is an attached townhouse - not a condo. There is no HOA or shared land usage/value. I have all the details. I appealed the decision. They then revised their estimate to {$280000.00}. This is fraudulent by Flagstar and a blatant attempt to continue to receive PMI payments and a conflict of interest. The house was appraised by another mortgage company at {$310000.00} and all third party comparable show the house to range from $ XXXX {$350000.00}.
Consumer complaint received 2021-11-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WorldRemit Corp. (OH)

On XX/XX/XXXX, world remit allowed someone to make a transaction for XXXX dollars in my name. I do not have a world remit account, nor have I ever done business with this company. After reporting the fraud to my bank and initiating an investigation I researched world remit on the XXXX XXXX XXXX World remit has hundreds of complaints about the company allowing fraudulent transactions. World remit clearly has XXXX concern that their company is allowing people to easily commit fraud using their system and allows it.
Consumer complaint received 2020-07-16
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (GA)

I attended XXXX university back in XXXX ; I only attended the college for a week. The policy stated that if you withdraw from the college the first week, then the balance owed Is XXXX. about two years after withdrawing from the institution, I received a bill from Ability recovery services for XXXX dollars. I reached out to them about the debt I tried to dispute the debt with an account representative, they argued with me about the debt and refused to help me. I then reached out to XXXX University for help ; they told me there was nothing they could do. I would have to contact the collection agency. This year I submitted a dispute to the collection agency once again ; they took {$5.00} off the bill when the balance should be XXXX.
Consumer complaint received 2018-06-20
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC (TN)

Arrangement Department Direct Recovery Services XXXX XXXX XXXX Multiple calls to family members and people at my old address which I had not phone number on file with Leaving long messages in detail about any debt I owe, and calling at all hours of the day. Screenshot of friend who received a very long and detailed message at my old address.
Consumer complaint received 2020-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2018-06-20
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: LOAN TO LEARN (AZ)

My wife XXXX XXXX has been dealing with Loan2Learn for years with them reporting this loan on her reports illegally. She finally got them to delete the items from her credit for the 3rd and what better be final time. Now they are on my report and they aren't even mine. We filed BK and she included these as a creditor to be discharged. SEE ATTACHED DOCS.
Consumer complaint received 2018-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (GA)

My Paypal  Credit Account minimum payment due is {$38.00} per month, I paid more than my minimum of {$87.00}. Because I received my monthly income benefits on the XXXX Wednesday of each month fell on XX/XX/18. My paypal credit account bill did not get paid until XX/XX/18 instead of the due date of XX/XX/18. Paypal Credit   charge took {$27.00} from my {$87.00} for a one day late fee. This company does not allow the consumer any grace period of 1-5 days before charging any late fees. The company is profiting from collecting late fees from the consumer who has only paid their monthly payment a day late. I think this is a practice of merchant/creditor collecting on the consumers debt obligation to only keep them in debt but profiting more money from the consumer for the debt that is owed.
Consumer complaint received 2018-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NJ)

TD Bank is doing a true disservice to me and I am owed a remedy. They drag out the processing of my transactions and make it appear as though my transaction happened a different day then they did. On top of that travesty, they then keep overdrawing my account to collect bank fees. They have my account as being overdrawn when it should not be. Someone at TD Bank doesn't know how to do math. My account Balance should be {$54.00} not negative {$140.00}. Now I demand TD Bank not discriminate against me for reporting their misbehaving and close down my checking or savings accounts. I also demand TD Bank credit my account and make my balance what it should be {$54.00}. I also demand that TD Bank stop dragging out the processing of my transaction, trying to overdraw my account.
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

My wife XXXX XXXX has been dealing with XXXX for years with them reporting this loan on her reports illegally. She finally got them to delete the items from her credit for the 3rd and what better be final time. Now they are on my report and they aren't even mine. We filed BK and she included these as a creditor to be discharged. SEE ATTACHED DOCS.
Consumer complaint received 2018-02-24
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: LendingPoint Holdings LLC (VA)

I received alert from XXXX XXXX of an inquiry from XXXX, XXXX and XXXX XXXX  dates XX/XX/18. I did not apply for any credit from any of these lenders. I have a car loan from XXXX and did apply for a credit card early last year, but nothing since then. These inquiries are unauthorized. In logging into one of my email accounts I dont use often, I see the declines were sent there & I NEVER use that email because it gets sooo much spam, so Im looking into putting a freeze on my credit file until I figure out whats going on. I had a bag full of old mail sitting around for a couple days that I intended to go shred, but it was thrown out by accident and I am freaking out. 

Please delete these inquiries because I did not submit any recent applications. You can email me at XXXX, or, send your response in writing to XXXX XXXX XXXX XXXX XXXX VA XXXX
Consumer complaint received 2018-02-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have been declined credit to purchase a home due to a collection account opened by your organization that devastated my FICO score. I have never heard from your company until my mortgage company informed me of the account you have reported. Under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) this debt was supposed to have been validated prior to reporting to the credit bureaus. They have made no attempt at all. Now that I have been given the information that you have reported this I must inform you that that ownership of said account was disputed.
Consumer complaint received 2017-07-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I purchased a XXXX XXXX XXXX on XXXX XXXX, 2017, that was advertised for {$5900.00} however I am being charged double and the down payment was {$500.00} however the dealer lied to the bank in order to get a sale that the down payment was {$1000.00}.
Consumer complaint received 2020-04-30
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: FIRST PORTFOLIO SERVICING INC (IL)

I spoke with Peaks on the phone and they stated they didn't need to mail me any documentation. they informed me that all they are required to do by law is provide the credit bureau the default. I wasn't provided any information regarding the default until I spoke with XXXX   and they saw this information online. It is only shown on my XXXX but not XXXX.
Consumer complaint received 2018-06-20
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Onity Group Inc. (CA)

Ocwen reported to credit bureaus I was delinquent in paying mortgage and sent me my pay history. 

They neglected to mention that I made several extra mortgage payments they charged to " principle payment '' because I learned you have to call them directly to tell them to " ONLY APPLY TO PAYMENTS '' As you can see below, here are those payments that should have covered my mortgage payments no matter what so I was never delinquent in paying : XX/XX/XXXX {$1600.00} XX/XX/XXXX {$170000.00} XX/XX/XXXX {$910.00} XX/XX/XXXX {$1800.00} * *Note : The Ocwen phone person is the one who explained they put extra payments into principle only even though I didn't know that she told me she can now click the button that says " ONLY APPLY TO PAYMENTS ''. 

I am asking you to please have Ocwen revise their credit company reports to show I have been on time with my mortgage since the beginning. 

Thank you. XXXX XXXX