davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I reached out to this creditor as there are reporting false information on my credit profile, I requested proof of ownership of the account and contracts and I also requested a copy of the information that was used to verify these accounts as accurate and I was never supplied with any information!! 


Citizens pay states I owe {$8700.00} This is illegal for these companies to report this information as it doesnt meet the minimum standards for reporting as it is inaccurate, and no proof has been provided.
Consumer complaint received 2020-05-18
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. (OR)

I have student loans serviced by Navient ( navient.com ).

I like to pay my student loans several months ahead. As of XX/XX/XXXX, I had paid them up to XX/XX/2020. That is, Next payment due date, XX/XX/2020.

Then the CARES Act was applied, whose intent was to provide a pause period, give borrowers more time to pay.

So what did Navient do? 

Navient TOOK AWAY two ( 2 ) months of payments I had already made by setting the next-payment due date TWO MONTHS EARLIER, from XX/XX/2020 to XX/XX/2020! 

Their reasoning was : All loans go into Covid forbearance Covid forbearance ends XX/XX/2020 Therefore all loan have a due date for next payment of XX/XX/2020 XXXX. 

Specifically, Navient 's statement was : "... Because the deferment ended on XX/XX/2020, your extra XX/XX/2020, payments were no longer applied toward future payments due. '' Is that even legal? 

If a borrower has made payments to XX/XX/2020, there is no way Navient should be allowed to move the next payment due date backwards, to XX/XX/2020. 

Navient must have done this to thousands of borrowers who paid their loans ahead.
Consumer complaint received 2020-10-29
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. (CA)

I have submitted 4 times certified letters to the bureau to investigate my inaccuracies on my credit report in regards to unverified accounts that are severely damageing as we are trying to buy our first home and can not get a loan with the unverified accounts. As a result of our letters to the bureau they keep writing back that they have verified the accounts in question but have provided no proof as I have demand to see Verifiable Proof of ( an original Consumer Contract with my Signature on it ) for the accounts which According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify and to show proof of verification. The Bureau sent letter back saying all was verified but they didn't provide how and proof of any signature from me on any contract with the company in question. why cant they show the proof? 

The last letter we sent which was dated XX/XX/20. 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

The Bureau wrote back they have verified but again no proof of anything. 

XXXX wrote us a letter back saying we were correct as they could not verify the accounts and promptly deleted them. So i am asking Experian to do the same here. 

So once again we are submitting a letter in mail today XX/XX/20 to Experian to verify see copy below. And a copy to the XXXX.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I have paid for my credit report expecting to get my credit score because i am trying to buy a Home. please put my credit score up ASAP. this is slowing down my process on getting a home. i have to be out of the place that i am staying in mid next month. i need this ASAP
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-17
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. (TX)

I reviewed my credit report and found the following to be in error. I would like these items deleted off my report FCRA VIOLATION. 

XXXX XXXX XXXX # XXXX - account unknown, bureaus can not validate please delete XXXX XXXX XXXX # XXXX - account unknown, bureaus can not validate please delete off my report XXXX XXXX XXXX  # XXXX - XXXX is reporting past due however I do not have any late payments- please update my report to paid as agreed. Also last date active is showing XX/XX/2018 ( see attached )
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

After reviewing a copy of my annual credit report, I have noticed that I have a few judgments placed in my file which is causing my credit to be less than mediocre. Both of these alleged debts have been dismissed and discharged from my pay which has caused tremendous financial hardship. Please have these debts removed off my credit for they have been harming my credit and it has prevented me from acquiring new credit.
Consumer complaint received 2021-08-19
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. (NJ)

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize, nor consent to any of these inquiries to be taken out in my name. Im unaware of any of this. All is being investigated by the FTC. 

Pursuant to the FCRA 15 USC 1692c-2 ( a ) they have 4 business days to block information. I have supplied my identity theft report, ID, statement, and proof of identity. A police report is not needed under this subchapter.

Also pursuant to FCRA 15 USC 1681c-2 ( b ) ( c ) you the authority to decline or rescind but the information I sent was not blocked in error so the information can't be blocked. 

I have listed the items on the document attached.
Consumer complaint received 2021-08-19
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 am attaching a copy of my ID theft report for a XXXX  XXXX XXXX account being reported on my credit reports. XXXX  XXXX XXXX is ignoring the fact that I did not open this account and as stated in my ID theft report a past roommate/Co-habitant used my personal information to open this account. Please see the attached theft report. Furthermore, In accordance with FCRA 605B ( 15 USC 1681c-2 ) I hereby give you 4 days to block the information I am reporting as it pertains to fraud.
Consumer complaint received 2024-02-22
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. (AL)

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 2017-09-25
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. (MS)

I was contacted by the " XXXX XXXX XXXX '', XXXX, good luck with that one. XXXX XXXX, XXXX XXXX, tx XXXX was what i was given, lol. I was told up front, apparently that was a lie. XXXX for the first three months, and XXXX dollars a month or less for ten years Since I 've worked in XXXX  XXXX for 11 years and based on my income, and thanks to Obama. No mention of futher monies. I tried contacting them during the first months or upfront pay period and nothing, no return calls only a voice mail. Thank you in advance for any and all help. XXXX XXXX, XXXX. Now they are texting demanding more money and for what.
Consumer complaint received 2020-11-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

there are numerous items on my report that are not factual a few inquiries a chapter XXXX bankruptcy and a chapter XXXX both not mine. There are other accounts that don't belong to me and others with incorrect status reporting and another one with wrong information. I am attaching a letter to explain all items
Consumer complaint received 2020-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had the XXXX XXXX Mastercard that was converted to Capital One. I was issued a new card when the account converted but I never registered for an online account with Capital One. 

On XX/XX/2020 I made a {$3.00} purchase to keep my account active. 

On XX/XX/2020, my credit monitoring went off with a late payment notification on the card. I searched my e-mail and never received a statement notification nor any late payment notifications. I called Capital One and spoke with a representative who waived the {$12.00} interest charges and late fees on the {$3.00} purchase. I made a payment for {$3.00} ( payment # XXXX ) and then was connected with tech support. 

Tech Support verified that I couldn't have received the statement notification if I wasn't signed up for an online account and advised me to send in a letter to their credit reporting department to resolve the derogatory remark. The technician also signed me up for online account access that day - the e-mail registration is attached. 

I mailed in the letter and received a phone call 5 days later from a representative who had listened to the call recordings and researched the account - but Capital One 's system shows that they did send a statement notification to my e-mail and sent me text messages, auto-dials, and e-mails that my payment was late. I never received any of these communications.
Consumer complaint received 2020-10-29
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: State Collection Service, Inc. (MN)

I have received multiple text message to contact them ( State Collection Service ) past XXXX. Last one when I had had enough was on XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I called the XXXX from that text and asked to speak with the compliance department to which they stated they don't take phone calls. I explained I have been getting text messages after XXXX last one at XXXX central time and she stated would remove text messages from my account. But I want this addressed since they would not let me speak with the compliance department.
Consumer complaint received 2020-10-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (TX)

I settled a car loan with US Bank on XX/XX/2020. At the time, I was told that the title to my car would be released and that I should receive it in approximately 30 days. Over 30 days passed without receipt of the title, so I called again and was told that the title is being requested again and now I should wait another 30 days. As of today, XX/XX/2020, I still have not received the title. I called Florida XXXX and inquired about the title today. I was told that the lien has not been released. I called US bank again today, spoke to a gentleman named XXXX who informed me he would submit the request for the title today and for me to expect it in 30-45 days. 

Clearly, US Bank has no intention of releasing the title. A title request is a task they perform on a daily basis, so there's really no excuse for this other than they intend to give me the run-around about it. 

I am requesting your assistance with the title request since US Bank has apparently forgotten how to perform this simple task.
Consumer complaint received 2020-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

To whom this may concern, Back in XXXX of 2020 I missed a payment on my credit card with capital one. This was due to some financial hardship at the time because I was switching from job to job. We did not have enough to make the minimum payment. This negative remark is reflecting on my credit score now and it is causing unnecessary suffering to me and my family. Our ability to secure low interest financing on loans is being affected. So in a good faith effort to resolve the issue I reached out to Capital One on XX/XX/2020 in order to correct the mistake. I tried to reason with them but they unfortunately did not work with me. It is unfair to keep this on my record due to my lack of ability to pay at that point in my life, it is now causing us harm and there must be solution to this matter.
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

When we were looking to start using credit cards to help build our credit we contacted USAA to see what options they had. The rep we spoke with told us our best option was their secured credit card. The benefit was after 2 years of payments we would be moved to an unsecured card and our deposit would be returned to us. We chose to do this since we really wanted to build credit. We had to call today to say we didn't want our deposit to roll into a CD and we wanted to withdraw it and to ask how the procedure was moving forward. ( Did we need new cards or anything else that we needed to do since our 2 years was up. ) The woman on the phone said we don't do secured cards anymore so you'll have to reapply ( dinging our credit again ) if we chose to withdraw our money. I asked her if she was really telling me that after we had done everything that was asked of us USAA was not going to follow thru on end of our contract. She put us on hold for quite awhile while she spoke with another department and came back. She had no explanation except that we had to reapply. I again asked the same question and she started beating around the bush so I stopped her and said it's a yes or no question and she no they would not be honoring the terms of the agreement. I advised that it would be in her best interest to get me a supervisor. Guess what, no supervisors were available and no one in ERT ( whatever that is ) was available either. She said she was putting in for an emergency call back from a supervisor. I said they will call today, correct? The CD will renew tomorrow and the decision has to be made today. She said she making it urgent. I again said they will call today correct. She said I am hanging up to get someone right now. It is now 2 hours later and no phone call and they are closed. No call. Not surprised. USAA has gone downhill since their new CEO has taken over. We are XXXX XXXX XXXX and can not go thru having our credit dinged more than it already is getting dinged right now by the federal government and banks to help out in the shut down. We chose USAA because of the program that they described to us and we did what was asked of us. They should be following thru and doing their part now that the 2 years are up. We have seen them break federal and state laws when it comes to insurance and have moved our insurance from them and now we see they think they are above the law in banking also. We hope that you will help us to let them know they are not.
Consumer complaint received 2020-05-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (SC)

On XX/XX/XXXX my house was finance with XXXX XXXX company. XXXX insure me with XXXX XXXX XXXX XXXX of Florida. At this time I already had outside insurance on my home. Insured with XXXX XXXX co XXXX XXXX SC XXXX XXXX XXXX XXXX My house payment increase do to the insurance that was put on my home from XXXX. On XX/XX/XXXX I got switch over to Shell Point XXXX. XXXX XXXX XXXX company of Florida sent me a letter stating that this insurance have been cancel due to me having outside insurance. Cancellation date XX/XX/XXXX at XXXX am the day that the insurance was brought from XXXX. XXXX returned was {$910.00} back to XXXX. This document was faxed to Shell point along with proof of insurance on XX/XX/XXXX. My payment for XXXX is {$570.00} which it should be {$440.00}. I have called Shell Point several times and they fell to fix this. Have spoke with Supervisor of Shell Point and supervisor states, " I can't fix it until XXXX send us the money. '' Attempt to call XXXX and they are not accepting any calls. An analysis was done for XXXX brought payment down to {$450.00} due to escrow from insurance. My agreement that was sign when I purchase this house had no escrow account. Until this matter is taken care of and I receive my overpayment I refuse to pay. My agreement with this finance company is XXXX x 30 years. The number to my insurance company XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-03-26
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. (MS)

On ( XX/XX/XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-16
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lincoln Educational Services Corporation (PA)

I received a telephone call from XXXX management the week of XXXX about a Lincoln Tech debt that is from 2012. I explained to the debt collector that I will not be paying the debt because it was an invalid debt then and it is still an invalid debt now. I also explained with the age of the debt there is no reason for me to resolve because I have more recent things on my credit that I need to clear up. I then explained that I wanted communication to cease and desist. The call ended. Yet they proceeded to place another phone call on XX/XX/XXXX with a voicemail left for me. The voicemail never stated the company name or that it was a call from a debt collector. When returning the call I realized it was the same company. They acknowledged that I advised not to call a week prior. I requested the recordings in which I was denied.
Consumer complaint received 2024-02-22
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. (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.

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.