davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

I've had issues with Sallie Mae, which turned in to issues with Navient. There are so many problems, and I'm not sure if I should make multiple complaints or try to cover them in one. A big one is my ruined credit because they applied my payments to the wrong account. I've tried for years to fix this and they will not. They eventually put the money on the right accounts, but never fixed my credit report. 

I listened to them whenever I had problems making payments due to whatever was happening in my life. I assumed they knew what they were talking about. I was in and out of forbearance for years. 

Since XXXX College has closed, I have no access to my credits & employers can not verify my degree. This was a total waste of time & money, that I'll be paying for the rest of my life. 

This has all but ruined my life. I'm trying to buy a car now & will pay outrageous amounts due to my credit. I'll never be able to buy a house. I know I'm not the only person in this situation, but $ 90k in debt with nothing to show for it really hurts.
Consumer complaint received 2016-10-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: EVERBANK, NATIONAL ASSOCIATION (MT)

I am having an issue with my Mortgage with Everbank. The Servicing is now with XXXX. It has also been with XXXX. The original mortgage was completed on XXXX XXXX, XXXX. I got behind in payments in late XXXX. In XXXX XXXX, I sent a payment of {$3600.00} in the form of a XXXX XXXX wire. Approximately 2 weeks later, the money was sent back to me along with a letter stating we could no longer accept payments to this account. I 'm not sure why. I was willing to make payments, but was told by EverBank to stop making them. I have been working with EverBank, XXXX, and XXXX XXXX services along with an attorney over the last 5 years trying to get some answers. I do n't understand what my options are and no one can explain them to me. My home is worth approximately {$320000.00}. My last statement is demanding a payment of {$470000.00} or else the house will be auctioned on XXXX XXXX, XXXX. The original loan amount was {$370000.00}. I understand the house has lost value. I have spent more than {$11000.00} in attorney fees and I just spent another {$4100.00} with XXXX XXXX XXXX who claimed they could help me.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (OH)

I'm not quiet sure what this debt is, I have no recollection of this company. My now late father had taken my information and open / used accounts I had before he passed. I am very confused why they can not figure this out with all of the cameras they have in various stores. Thank you for your time.
Consumer complaint received 2017-03-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alliance One, Inc. (OR)

I received notice of a debt owed to the XXXX for XXXX violations. I tried calling the toll free number several times during their business hours which start at XXXX, before I went to work and during their business hours a get a canned message that I have reached their company outside of business hours. It is XXXX right now and I tried calling several times. This has not been my first time trying to contact them without no luck. The issue is that the XXXX ticket we would like to pay but the ticket for the no insurance is being appealed with the XXXX court and I have a lawyer working on this. This collection action should be placed on hold and this should not affect my credit. But I only have to XX/XX/XXXX to contact the collection agency but I have no way to get in contact with them. How can a collection agency keep telling people you reached them after business hours when you are calling during business hours. This abusive and will end up affecting my credit for something that I have been trying to take care of for several weeks.
Consumer complaint received 2023-05-04
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (NH)

American Express has been contacted with over 6 phone calls with AMEX fraud department without any resolution since XXXX XXXX, 2022? 
- two AMEX tracking numbers of fraud without resolution from AMEX fraud department are ; XXXX and XXXX ; there have been at least two fraudulent AMEX cards issued in my name after original contact with AMEX ; WHY? 
- XXXX monitoring also later reported on XXXX XXXX another second new AMEX XXXX FALSELY issued to my name XXXX that is NOT mine... and even with subsequent reporting several times to AMEX without any action or resolution? WHY does AMEX NOT correct my account or contact me with any action or status after weeks? 
- additionally ; originally AMEX rep issued a different replacement credit card in my name on XXXX XXXX unknown to me and shipped to different address in NC... WHY? 
- Please note ; it took several AMEX fraud rep phone calls to get only one credit card cancelled ; but yet second fraudulent credit card still exists on my XXXX reporting ; WHY? 
- Please note ; AMEX in error actually cancelled my active credit card without my request or permission and a replacement card needed to be issued... 
- NO follow-up phone calls have been received even though requested from AMEX management or from any reps on FALSE reporting or fraud credit cards being issued by AMEX fraud department in my name ; WHY?
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (RI)

I have disputed this debt multiple times. And it is just being sent to a different company to Collect money that I do not owe I have no recollection to the services provided by XXXX XXXX XXXX I have no idea what they were talking about and they are refusing to resolve this issue and give me a true bill
Consumer complaint received 2020-07-09
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. (MI)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DPT EDXXXX XXXX {$27000.00} DPT EDXXXX XXXX {$9100.00} DPT EDXXXX {$500.00}
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

I am writing this letter to voice my frustration and disappointed with the way Equifax ( and likely other ) financial and credit institutions protect our personal information. I was one of the tens of millions of individuals who were affected by the Equifax data breach. At the outset, three items are incomprehensible to me 1. Why is it not the case that ALL personal credit file is locked by default, and when an individual wishes to initiate a transaction that requires credit, the individual unlocks their credit file to allow the transaction to proceed, and then relocks the credit file upon completion. 

2. Why is it not the case that ALL personal credit information is encrypted when stored? Were this the case, a data breach would leave the bad guys with a lot of useless bits. 

3. Why is it that I have two-step authentication in place for all my personal finances and online data, and yet NO United States credit cards require two-step authentication to complete a transaction. 

Specifically with respect to the data breach at Equifax, my experience with them has been horrendous and a colossal frustration and waste of time. Three weeks after the publicly admitted breach, as advised, I performed step one of inquiring with Equifax as to whether I was affected by the data breach. I was informed that I was, and that I would be offered Trusted Id Premier and would be sent a link to enroll in two or three days. The link did not arrive for eight days. I used the link to enroll in Trusted ID Premier and midway through the enrollment process, their servers dropped my session, and I was told that I had to call a number at Equifax to complete my enrollment. I called that number ( after waiting on hold for 15 minutes ) and finally spoke to an Equifax representative. He informed me that I needed to speak to a supervisor and he gave me the phone number to call ( rather than connecting me directly ). I called that number and after waiting on hold for 30 minutes more, I was told that I had to speak to someone at Trusted ID. I spent two hours last night trying to call Trusted ID Premier, getting a mix of busy signals, or ringing through to be placed on hold and then later having the line dropped while on hold. I continued that until I finally got the message that I was no longer calling during regular business hours and that I needed to call back the next day. The next day, I rang through to an answering machine on my first try, and have now been on hold for 1 hour, 58 minutes, 52 seconds, and still counting. 
Even when, if, I do get connected, I do not have the confidence that my personal information is any more secure today than it was when the last breach occurred, or that any of the credit bureaus have either the motivation or ability to securely handle the personal information with which they have been entrusted.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
has violated my Consumer rights : Account name : XXXX XXXX XXXX  Bankruptcy : # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX : # XXXX Account name : XXXX : # XXXX, Account name : XXXX XXXX : # XXXX, Account name : XXXX : # XXXX, Account name : XXXX : # XXXX, Account name : XXXX XXXX XXXX : # XXXX, Account name : XXXX XXXX : # XXXX, Account name : XXXX : # XXXX, Account name : XXXX : # XXXX, Account name : XXXX XXXX : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-10
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XXXX/XXXX/2020 30 DAY DEMAND XXXX/XXXX/2020
Consumer complaint received 2016-03-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (WV)

IN XXXX I GOT A XXXX MOTGAGE WITH XXXX WHICH WAS SOLD TO SHELLPOINT. I PAID IT OFF XX/XX/2015. I RECENTLY TRIED TO REFINANCE AND THE LAWYER FOUND THE DEED OF TRUST WAS NOT RELEASED PROPERLY AS IT WAS RELEASED BY XXXX WITH NO POWER OF ATTORNEY FOR XXXX TO RELEASE THE DEED. NUMEROUS PHONE CALLS BY MYSELF AND THE LAWYER HAVE NOT BEEN ABLE TO RESOLVE THE ISSUE.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2022-08-15
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy & Holthus, LLP (CA)

URGENT ; ILLEGAL TRUSTEE SALE XXXX by XXXX XXXX XXXX in XXXX XXXX : XXXX I own a valuable property in XXXX CA. I have in my possession the Court Ordered Final Examiners report from the Washington Mutual bankruptcy 2008. In this report is goes into great detail how XXXX Bank stole information from XXXX 's data room. XXXX was denied any further access once it was discovered they were acting in bad faith during the FDIC receivership. XXXX SOLD ALL ASSETS to a private bank in XXXX XXXX XXXX week prior to the FDIC take over. I have an audit showing XXXX attached the wrong loan and wrong loan amount to my property. XXXX bank is foreclosing due to this fraud. The claimed payoff is $ XXXX, when XXXX XXXX stated only $ XXXX was owed. I have tried numerous times to settle. I've demanded a full accounting to support the claimed debt and was told that's not possible. XXXX bank does not own the note, nor can they support the claimed debt amount. I'm asking for Arbitration of the CFPB to clear up this matter of fraud against me and my property that XXXX caused when they stole information from XXXX 's data room. 

Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The consumer reporting agencies, especially XXXX responded by email on XX/XX/2024, that they still investigating and waiting for the furnisher. Clearly they are not following the law I have clearly stated in the letters I sent to them, stating that late payments are not included and should not be included in the consumer reports, according to FCRA 15 use 1681a 2Ai. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include- ( i ) report containing information solely as to TRANSACTIONS or experiences between the consumer and the person making the report. 

Also 15 usc 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I just sent the consumer reporting agencies and XXXX XXXX another letter that will be attached here.
Consumer complaint received 2018-03-16
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: Bread Financial Holdings, Inc. (FL)

SOMEONE tried to open a credit card at XXXX XXXXXXXX, a store I havent been in to in over 10 YEARS, on TWO different occasions!! THIS IS NOT ME!!! Im getting two hard inquiries on my credit report from this store!! One on XX/XX/XXXX and the other on XX/XX/XXXX - THIS IS FRAUD!! I also DID NOT make any kind of inquiry with XXXX bank on XX/XX/XXXX OR with XXXX on XX/XX/XXXX!! This is absolutely insane. PLEASE HELP ME!!! These need to be removed AS SOON AS POSSOBLE!!
Consumer complaint received 2015-07-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MI)

XXXX sold my loan to Ocwen Loan Services , LLC and ever since they have had my loan I have nothing but issues. I do n't get monthly statements, I ca n't understand my customer service rep., I never get a call back if I leave a message, I have to call back multiple times if I requested documentation, the IRS forgave {$50000.00} off of my mortgage and I found out 3 months later from this company.
Consumer complaint received 2015-09-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MI)

This will be my second complaint against Ocwen in three months. I have applied to have my mortgage modified three times in the past year. Each time it was denied because we had the ability to pay the current payment. The loan was going to mature on XXXX XXXX 2015, and I contacted Ocwen a week before the maturity date to ask when I could submit another request. I was informed that as long as it was done before the loan matured, it would be considered for a loan mod. I asked the " relationship manager '' three times that if the request was submitted before the loan matured that was enough time to do a modification, and she said " yes ''. I submitted a request before XX/XX/XXXX., and on or about XX/XX/XXXX,XX/XX/XXXX, I logged-on to Ocwens website, and a message for our account stated that we were granted a 'trial loan modification '. Today XXXX logged-on to my account, and a message stated that our loan mod had been denied. I contacted Ocwens relationship manager, and told it was denied because the loan had matured, and they couldnt do anything. I am very upset. I have not recieved any consistent information from that company, and now we are in danger of losing our home
Consumer complaint received 2017-01-12
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (NJ)

I applied for a Marriott Rewards Credit card under the rules that I was to to receive XXXX Marriott Rewards points from Chase Bank. After Spending the required {$3000.00} dollars When I called up to verify ( because Chase Credit Card Services runs a bait and switch operation ) they told me I did not sign up for that service. NOTEWORTHY, I first called Marriott rewards who told me that my first number thousands of dollar in XXXX purchases were not reflected to my card/account and the MARRIOTT REWARDS SERVICE agent DIRECTED ( without me asking me to contact Chase and ask to SPEAK TO A SUPERVISOR ( I THINK BEACAUSE THEY KNEW THEY WERE DOING A BAIT AND SWITCH OPERATION and have had many calls ). I once signed up for an XXXX XXXX Credit Card whereby Chase offered XXXX flights annually if you took they offer while still on the plane. THEY ARE A CROOKED BANK!!!! I guarantee it!!!!