davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

My name is XXXX XXXX. Along with my ex-husband XXXX XXXX, we purchased our home in XXXX NJ in XXXX. Unbeknownst to me, my husband took out a second mortgage line of credit for {$75000.00} in XXXX. When we got divorced, the property was awarded to me through the divorce court. As part of the agreement, XXXX XXXX was to continue making the mortgage payments on the property. Since all mortgage bills were sent to his apartment after he moved out, I was not aware of the existence of this second mortgage. I was recently served with legal papers by the holder of this mortgage, Specialized Loan Servicing,  stating that the loan was 15 months delinquent and that the amount past due was {$9800.00}. I immediately began trying to contact Specialized Loan Servicing to discuss the matter, but their agents refused to discuss with me, claiming that I was not the borrower on the loan. I tried again and again, I asked for a supervisor, but could make no progress. I dont see how it is possible that SLS can try and initiate foreclosure proceedings against me, the rightful owner of the home, without even giving me the opportunity to work to resolve the matter. I am not able to repay the full past due amount in one large sum, but would like to work something out. I am the legal owner of the home, and this is a second mortgage. The first mortgage is current and we have no issues and I feel it would be much easier for Specialized Loan Servicing to attempt to work this out with me or to transfer the loan into my name. As it stands now they will receive nothingthey are in 2nd position and my ex-husband is not the rightful owner of the home so I dont see how they would have any legal grounds to foreclose, especially since I am trying to resolve the matter with them. I am contacting your agency to see if you can investigate the actions of SLS and assist in getting this logjam broken and getting the lender to recognize that even though my name is not on this loan, I was the rightful owner at the time of origination, I occupy the home and I am the rightful owner now and I have a court order that proves it. If I was not part of the equation for SLS, why would they serve legal paperwork to me?
Consumer complaint received 2019-03-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (NJ)

There is no way that I owe XXXX XXXX XXXX XXXX XXXX {$650.00}. I have insurance and have been there so many times and they have never mentioned that I owe money. I have tried to dispute this debt so many times and they have yet to verify and validate that it is owed.
Consumer complaint received 2017-06-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Hello, I have a complaint related to overzealous over draft fees of Citizens Bank, and their systemic ignorance in notifying their customers of the fees. We have 2 accounts with Citizens Bank -- a checking account, and an Equity Line of Credit. The checking account is the default credit  account for the equity line of credit. 1 ) XXXX XXXX we paid off equity line of credit and left it open without any balance. We also called customer service to make sure no other fee is accessed on the checking or equity line of credit. 2 ) XX/XX/XXXX7, an annual fee of {$25.00} was accessed on equity line of credit account and checking account was automatically debited as the default crediting account. 3 ) On XX/XX/XXXX, an overdraft fee of {$35.00} was assessed on the checking account. 4 ) OnXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, a service fee of {$30.00} was assessed 3 times on the same checking account for sustained overdraft, for total of {$90.00}. 5 ) However, during these period, the Citizens Bank only sent notification to their own document center, without notifying us in any other ways through email or phone. 6 ) We only found out these charges after they finally sent us a letter onXX/XX/XXXX. As you can see, Citizens Bank work hard NOT to actively notify their customers of the over-draft fees, but they actively and overzealously charging their customers at the same time. The equity line of credit annual fee is only {$25.00}, but Citizens Bank now charges us {$120.00} in overdraft and service fees within 10 business days by piling on various fees. This is outrageous, borderline of a loan shark. Thanks for looking into this.
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It  May Con cern TransUnion  XXXX .  XXXX   XXXX   XXXX , CA  XXXX    XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX , TX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX ,  XXXX  SOC SEC #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  To Wh om It May  Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The  item ( s ) list ed below are as follow : Please update to the correct address  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  I HAVE BEEN LIVING THERE SINCE  XXXX / XXXX / XXXX  Have enclosed  XXXX  bills PLEASE UPDATE MY  CURENT ADRESS ADD RESS :  XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  BELOW IS NOT MY ADRESS  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX , FL  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX  MY CORECT NUMBER  XXXX  CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accorda nce with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request t hat you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.     Furthermore, purs uant to 15 U.S.C. 1681i ( b ),  I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.   Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the  past six m onths.     Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and comp leteness of the item ( s ) i n question, including the business name and contact information of any furnisher within  15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law  to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address.      XXXX   XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list I will be providing of accounts reporting on my consumer report with your bureau, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Fair Credit Reporting Act 15 USC 1681 Section 602A, Subsection 4 : States, I have the right to privacy.

There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy.

Fair Credit Reporting Act 15 USC 1681 Section 604A, Subsection 2 : States, written permission is needed and required. In accordance with the written instructions of the consumer to whom it relates.

This violation has taken place with the improper use of my report. Per 15 USC 1681S Section 2 ( A ) ( 1 ) Subsections : States, a person shall not furnish any information relating to a consumer to any consumer reporting agency.

No, privacy has been established. No, written permission was established nor given. Violation of my federally protected consumer rights to privacy and confidentiality has taken place with the accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-19
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MD)

My credit score dropped XXXX points from XXXX to XXXX due to an inadvertently missed payment of {$210.00} in XXXX of 2017 on a XXXX credit card. The missed payment was due to a paperless bill which was sent to an incorrect email account for an unused credit card. The charge was for the credit card fee and a recurring membership fee that I was unaware of. I immediately paid the balance when I became aware of the past due status but now it is reported on my credit report as late. As a result, my credit score dropped significantly - over XXXX points - for one missed payment. I never received a paper statement which would have allowed me to pay it on time. I also never received any phone calls about it.
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have numerous Hard Inquiries on my report, I have sent each company a letter stating that I wanted proof that the inquire was made by me with my signed signature, as of today I have only received a hand full of responses and non of them had a signature page with my signature on it. I would like for the inquires to be removed as I did not request anyone to pull my credit report.
Consumer complaint received 2022-08-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, Texas XXXX SSN : XXXX | XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts.Pursuant to 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. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account Name : XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly?
Consumer complaint received 2017-06-19
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: Experian Information Solutions Inc. (ND)

I am a victim of identity theft and have been a victim of identity theft for over 11 years. The following  2  accounts and credit inquiry are fraudulent :   XXXX   XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX   XXXX ,  XXXX / XXXX /  XXXX  ,   XXXX   XXXX    XXXX   XXXX ,  XXXX / XXXX /  XXXX  , Further, I want the following personal information added to my credit report : Employer :  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , ND  XXXX , Phone :  XXXX  Position :   XXXX   XXXX   XXXX   XXXX   Annual Salary : {$150000.00}
Consumer complaint received 2020-10-06
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: HYUNDAI CAPITAL AMERICA (CA)

On XX/XX/2020 I filed a formal complaint with CFPB in regards to KIA Motor Finance. They inaccurately reported that my account my past due and delinquent, causing my credit score to drop 81 points. As mentioned on XX/XX/2020, KIA was in violation of the Fair Credit Reporting Act. I spoke with them in excess of 20 different times and each agent continuously told me that my account was in good standing. 

I never received notification via email, phone or postal mail. 

On XX/XX/2020 Kia responded stating that they have sent updates to the 3 major credit reporting agencies. 

On XX/XX/2020 - XXXX  stated that KIA has reported to them that the account the was 30-59 days past due and they are unable to honor my dispute. 

I need to this corrected ASAP since I am in the middle of escrow on my first home purchase and I would like KIA to honor their word and do as they say they will do.
Consumer complaint received 2019-03-08
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. (CA)

On around XX/XX/XXXX XXXX XXXX XXXX Account Vice President has stated on phone conversations that the negatives of 30-60-90 days was going to be deleted to support me on my VA Loan and home purchase in Florida. 
Now, she denies that she didn't promise me.This a act of Discrimination and Retaliation against me as a XXXX XXXX American and Military Veteran. 
XXXX administration are Retaliating because I filed various Federal Government complaints since XXXX and Present. 

XXXX XXXX XXXX credit report shows that XXXX XXXX XXXX contacted Transunion and deleted the negatives on my credit report on XXXX XXXX. 
I have a credit score of XXXX on Transunion.. 

Respectfully XXXX  has violated my XXXX XXXX Civil Rights Act under Department of Justice.I am XXXX XXXX and XXXX.I am a XXXX XXXX XXXX Military Veteran.
Consumer complaint received 2019-03-05
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. (GA)

Im reaching back out to you guys because you assisted my with some items on my credit that werent mine. There are still two items on my credit that I know nothing about. XXXX XXXX and XXXX XXXXl XXXX. This sound like something dealing with some type of medical. Im doing this on my own behalf and have already contacted the FTC and my local police. I have been on my job for over 10 years and have full benefits I have no need to go to the doctor without being able to pay. Please remove these items from my credit.
Consumer complaint received 2018-02-05
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. (MI)

In 2017 I filed a complaint with experian. I told them that they are reporting an incorrect balance that I owe to XXXX XXXX. I asked them to verify the information and to delete the information if they cant validate it. They continue to report inaccurate balances on my credit report.
Consumer complaint received 2017-07-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

I have had a loan with  XXXX  now Navient since  XXXX . The original loan amount was {$10000.00} after some 13 years of payments I still owe {$8400.00}.  <P/> Loan Status Repayment Repayment Plan Full Principal and Interest - Ends   XX/XX/XXXX   Repayment Start Date   XX/XX/XXXX   Estimated Payoff Date   XX/XX/XXXX   Ready to pay off this loan today? Here are the amounts : Show more information about Loan Payoff Online {$8400.00} By  U.S.  Mail {$8400.00} Unpaid Principal {$8400.00} Current Balance {$8400.00} Interest Rate 14.250 % Interest rates on private loans are set by the lender.   Interest Type Variable School   XXXX   XXXX   XXXX   Lender NAVIENT Disbursement Date  XX/XX/XXXX   Original Principal {$10000.00} I need some help, these terms are awful.
Consumer complaint received 2017-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

In  XXXX  of    2016  I had my student loan re-consolidated. The company I had do this service for me was   XXXX   XXXX    XXXX . I had automatic withdraw set up through them where every month {$140.00} was withdrawn through my checking account at  First National Bank. I had received a letter in the mail a few weeks ago from the   Department of Education saying I was late on my student loans. I came to find out the company  XXXX   XXXX   XXXX  was not making those payments towards my student loans. I had tried numerous times to contact them via phone and email. They do not exist anymore and there is no way to contact them. I filed a police report with the authorities. It was determined that there was a total of  XXXX  fraudulent charges towards my checking account a nd First National Ba nk only credited back  XXXX  of them. Attached you will see  XXXX  letters stating the ones that were and were not credited back. This was an obvious scam and I would like the bank to credit back the  XXXX  charges that were not.
Consumer complaint received 2017-06-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (CA)

In  XXXX   XXXX  I canceled my mobile plan with  XXXX   XXXX   XXXX  and left the country. My account was successfully closed and the company told me I had no other obligations.     I later found out there was a final bill that was generated in  XXXX   XXXX  of about {$120.00}. I did not receive any email about this bill, nor any mail to my previous address about this bill.  XXXX   XXXX   XXXX  sent my bill to collections without notifying me of the bill.     I found out through a credit check that I had an account in colle ctions ( Diversified Consultants ) i n  XXXX   XXXX . I tried calling  XXXX   XXXX   XXXX  as well as the collection agency to remove this from my  credit score. I also filed a dispute with the credit agencies and paid off the debt.
Consumer complaint received 2018-01-16
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: AMERICAN HONDA FINANCE CORP (TX)

hippa cra violation never late and showing inquires that are not mine sent police report enclosed are hippa and cra violation honda included with showing a late everything i sent to everyone XXXX breach has cost me my life
Consumer complaint received 2024-01-31
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Block, Inc. (IL)

I'm having trouble with Cash app. in regard to collecting my refunds, credits, and overcharges. 
Not to far in the past I was suppose to receive a credit from XXXX that had just vanished even when I waited 14 days. 7 more days later Cash app. corrected the problem but I felt that if I didn't report it, it would be forgotten money. The entire time I was reporting this to Cash app. they would point the finger at XXXX. 
Then I had a problem with them collecting a refund from XXXX ; Cash app. claimed it was XXXX refusing to send my refund. Of course that was another argument. Now it's XXXX. XXXX gives me all this information to correct this issue and again it's XXXX. And if I didn't do anything about it I think it would be funds floating around in cyberspace { someone else 's pocket? }.
Consumer complaint received 2019-10-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (AR)

I have been trying to get this company to validate the debt since XX/XX/2019 and they still have not validated or removed this from my credit report they have sent a bill and a letter stating that the debt is validated and I have asked for the investigation results and nothing they want validate the debt and want remove it from my credit report so I am asking either you validate the debt or remove it from my credit report but this company is not validating the debt but just letting it sit on my credit report as a derogatory mark.
Consumer complaint received 2017-06-19
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: EQUIFAX, INC. (TX)

I feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative accounts on my credit report. I 'm a  XXXX   XXXX  veteran, which suffer from getting help with certain services due to inaccurate reporting-which is hurting my credit scoring. After several requests to provide documents to validate the debt below, Ive been denied copies. I feel my rights under the FCRA have been violated  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$19000.00} Last reported  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , WI  XXXX  Balance : {$5400.00} Last reported  XXXX   XXXX  , 2017     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$4400.00} Last reported  XXXX   XXXX ,2017  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$55000.00} Last reported  XXXX   XXXX  , 2017     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$23000.00} Last reported  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$17000.00} Last reported  XXXX   XXXX ,    2017    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  Balance : {$2200.00} Last reported date  XXXX   XXXX ,    2017    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  Balance : {$840.00} Last reported date  XXXX   XXXX  , 2017