davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
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. (MS)

It has been a battle going through this and I am submitting this CFPB Complaint to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information shown on my credit report. I, therefore, request that you immediately remove this information from my credit report with your firm pursuant of the FCRA Section 605b. By the provisions of the FCRA section 605b, I am requesting to delete the following fraudulent items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry dated XX/XX/XXXX
Consumer complaint received 2022-01-06
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. (AZ)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2018-03-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems (OH)

On XX/XX/XXXX I received notice from XXXX  that a derogatory XXXX was places on my XXXX and XXXX reports from XXXX XXXX XXXX for a payday loan from XX/XX/XXXX in the amount of {$460.00}. I have never received any communication from this company and I have no knowledge of this.
Consumer complaint received 2016-03-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

I was unable to get a free credit report from ANY of the XXXX companies at www.annualcreditreport.com. I believe this is by design. They ask questions the average person can not be expected to know ( for example the year your home was built for apartment renters, partial phone numbers of relatives, etc. ) and then refuse to provide a report based on the answers, unless you jump through many more time consuming hoops. They make the process unnecessarily difficult. This website was obviously put up to create the appearance of making an effort to comply with the law, while avoiding actually doing so as much as possible. It 's abusive.
Consumer complaint received 2015-03-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TCF NATIONAL BANK (MI)

An unexpected charge hit my account on XXXX along with XXXX other expected transactions. I checked online before making the transaction and my available balance was enough to cover the XXXX transactions I put through. TCF then charged me XXXX overdraft fees over the XXXX transactions. Had the XXXX transaction not been applied to my account I would have had sufficient funds to cover the other XXXX transactions. I contacted customer service about this issue and they stated that there was nothing they could do. I told TCF bank I would be filing a complaint and they reversed XXXX of the overdraft fees. I have had problems with overdraft fees before ; on multiple occasions I have been told overdraft protection was turned off only to have a transaction slip through anyway. I have repeatedly asked to have overdraft protection removed from my account so this would stop happening but they keep re-enabling it without notifying me or getting my permission. The XXXX transaction should have been declined, instead TCF allowed it to post and then stacked overdraft fees on top of it.
Consumer complaint received 2016-04-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My wife passed away on XXXX 2015 after a long battle with XXXX. This was our primary home when we first got married and it carried sentimental value for me. The lender received a full modification request package on XXXX 2015. Up until my wife 's passing the file was in active review and the sale date kept getting postponed. In or about XXXX XXXX, we informed SPS of my wife 's passing and were informed we needed to send Death Certificate and Trust information. The death certificate was sent to SPS immediately thereafter. 

SPS continued giving me a hard time regarding other documents that were sent in but SPS claimed not received. I have been coping with the loss and as well with my own health issues with XXXX . I was never informed of a denial at all nor was a denial letter sent to me, up until today, I was in active review and only today I was informed the file was denied and they are moving forward with the sale on Monday. How can they dual track and review me and then last minute say Im sorry too bad you are denied, we are foreclosing on you, Please do not allow them to pull these fraudulent antics on hard working Americans, I have paid property taxes and mortgage for years, this is not how Americans should be treated. I am willing to pay my mortgage but they are not playing fair.
Consumer complaint received 2015-07-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (TX)

In XXXX of this year, I received a credit alert that XXXX amounts in the of {$2100.00} and {$42.00} was illegally added to my credit reports in violation of the Fair Debt Collection Practices Act ( FDCPA ) by Enhanced Recovery, LLC ( ERS ). 
I sent a letter requesting validation from the company that this debt was mine, and I had never received correspondence or proof from there company. 
I submitted complaint to CFPB ( Case number : XXXX ) to which ERS responded they would delete the {$2100.00} amount, andthat they could not find a account in my name for {$42.00}, but to supply a reference number or credit report and they will delete from my report. 
Called on XXXX XXXX, 2015 with husband with information concerning the {$42.00} account by their company, and ERS was able to locate the account. I was given a very difficult time to get ERS to delete this account ( as they stated they would to myself and the CFPB ). 
We sought multiple solutions, and with ERS attempting to continue to illegally collect on the supposed {$2100.00}, and now the {$42.00} ; both that was to have been deleted, gave me no choice but to reinstate my complaint.
Consumer complaint received 2015-10-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Butte County Credit Bureau (CA)

Butte County Credit Bureau is reporting a debt from XXXX on my credit report. I have disputed this debt 3 times, yet they claim to verify it with XXXX. When i talk to the collection agency, XXXX XXXX claims this company is out of business and has noa ccess to any contracts, but has my name saying i owe money. After dealing with him for two weeks he stated we are at a stalemate, and will continue to report this debt that does not belong to me. I have asked him if he has a contract or my signature which he states he does not. But he states all he needs is my name. It is outrageous this agency can get away with ruining a persons credit with out verifying the debt what so ever. Logic tells me any sort of contract would have a signature which this agency will not furnish. They claim it is due to the company being out of business. I then asked if i was to pay you money today, who would actually get this money? He stated he was not sure. This needs to be stopped!
Consumer complaint received 2015-11-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: KEYCORP (OH)

I attended XXXX University, graduating in XXXX XXXX. I have been making auto payments on my loan for the past 7 years and am in good standing. My interest rates are currently set at variable rates of XXXX % and XXXX % for XXXX different loans. Based off the interest rate, life of loan, and principal balance, I would think my monthly payment should be approximately {$450.00} ; however, I am paying $ XXXX monthly. When I called to inquire as to why I am paying so much more per month, I was told it is because of the variable interest rate. I consider this explanation inadequate and fear that I am paying more than required yet not paying off my loan any faster. Furthermore, XXXX advertises " help '' to get a lower monthly payment. I called to see if I could have a lower monthly payment, even if that meant extending the life of my loan, and I received no help. I was basically told I have no other repayment options because I am past the 18 month period since the start of loan repayment in XXXX XX/XX/XXXX. Based off the remaining principle, current interest rates, and my monthly payments, I calculate that I should have my loan paid off in XX/XX/XXXX versus my repayment schedule says repayment is XX/XX/XXXX. How do I know if this is correct? The answers provided by Great Lakes have not helped me understand my loan or repayment plan. I feel that Great Lakes servicing is deceptive in their marketing of lowering repayment options, misleading in how my monthly payment is determined, and unwilling to work with me, a borrower in good standing. Lastly, they do not have clear documentation on mygreatlakes.org of my entire payment history, interest rate changes, and information regarding my interest rate ( e.g., I can not find information as to whether my variable rates have a cap ).
Consumer complaint received 2022-08-09
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. (VA)

Why did the CFPB close my complaint when nothing has been done about XXXX XXXX XXXX XXXX not responding to me when I sent them a debt validation letter/proof of claim affidavit? Is the CFPB being bribed by XXXX XXXX XXXX XXXX or has the CFPB accepted money from XXXX XXXX XXXX XXXX or do they hold stock in XXXX XXXX XXXX XXXX? Can I get the name ( s ) of the people who are responsible for my complaint being closed when nothing and I repeat nothing has been done about it. What has been done about them not responding to me about my debt validation/verification proof of claim letter? Do I not have a right to dispute directly with them? If not then please notify me that I do Not and please notify me that they ( XXXX XXXX XXXX XXXX ) do not have to respond to my debt validation/verification proof of claim letter that I made under oath. Can you also show me in law where they are allowed to post false /misleading information and not respond to my debt validation/verification proof of claim letter. If what they saying is true where is the affidavit? Have them send me an affidavit stating that they loaned me money and the car was not discharged. That's it, two sentences sworn under oath is all that they have to provide and I will not contact CFPB no more about this matter. All I want is justice and equality under the law. I thought the job of the CFPB was to protect consumers? It seems like the only one being protected is XXXX XXXX XXXX XXXX.
Consumer complaint received 2015-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

An over payment of approximately {$1100.00} was made to XXXX on XXXX XXXX XX/XX/2015 as final payment on a mortgage. Citizens claimed to have sent a refund of that check to my home address for that amount within 10 days of receipt of the over payment. I did not receive it. I called to request a new check. Citizen 's customer support advised that a new payment would be sent out. By XXXX XXXX, I had not received a check. I called again and was told to send a request for a new payment in writing to Citizens Bank NA, XXXX XXXX XXXX. XXXX in XXXX, RI. I did so on XXXX/XXXX/XX/XX/2015 by means of both fax and XXXX post. On or about XXXX XXXX I followed with a phone call to Customer service and was advised that my request followed too closely to the matter of the previously mailed check, but that that Customer Service representative put in a special request to have a check sent out during our phone call. He advised that I call back to confirm the action had taken place and get further information as to when to expect the check. I called back again on XXXX XXXX. I was advised by Customer Service that no change had been processed and no check had been reissued. I was directed to call back again within 3 days. This issue has wasted my time and I am still without my money.
Consumer complaint received 2016-09-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

ENHANCED RECOVERY COL XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX never even herd of them..they are claiming i owe a cable bill I use Free tv and where i am at now the landlord pays the cable bill not to say i have been living in FL since 2014 ... they are on my XXXX and XXXX reports i ca n't get thru any numbers for info to check on this..i am getting nowhere i disputed it and all i get is ... it 's been updated ... .weird
Consumer complaint received 2015-11-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

Several months ago I fell behind one payment on my mortgage with CCO. I made a payment arrangement to divide that payment up into 6 payments due at the end of the month, instead of the beginning. For the last 4 months I have been paying as agreed and even paying a late fee monthly for the missing month 's balance, while they continue to report me delinquent to the credit bureaus. On XXXX/XXXX/2015 I found out from my insurance company that due to changes I had made to my policy many months ago, my insurance dropped significantly. The overage had been returned CCO Mortgage months ago. I contacted CCO to verify this, and the told me my escrow account now had a surplus. I am upset because the company refuses to release that money to me so that I can apply it to the my negative balance, and they refuse to apply it to the negative balance themselves. Instead they are requiring me to pay off my balance before they will apply the excess funds in the account to my loan. I believe this is an unfair practice because if I had no balance they would return the money to me. I understand CCO not wanting to release the money to me, but not why they refuse to apply it towards my loan. This is simply a way for them to continue profiting from the late fees they are charging. If they were to apply the surplus to my negative balance, not only would I no longer be delinquent, I would still have a surplus. This is also affecting my credit, as they continue to report me to the credit bureaus as late every month until that one month I was late is paid in full, even though I have been paying my payments as agreed in the payment arrangement.
Consumer complaint received 2018-03-17
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. (CA)

I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department XXXX XXXX XXXX XXXX sheriffs XXXX of these fraudulent accounts and have made a police report. 

Under the FCRA 2009 ( a ) the Credit reporting agencies must cease and desist from reporting these accounts that have been brought to their attention are fraudulent, and were open without the consumers consent. 

I am in talks with my local attorney generals office to assist with this theft.
Consumer complaint received 2023-03-30
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: Experian Information Solutions Inc. (FL)

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. My name should only be listed as XXXX XXXX XXXX. any other name is Fraudulent. Also the only address on my report that should be on any on my three reports is XXXX XXXX XXXX, XXXX XXXX, FL XXXX and the accounts that need to be deleted are ; XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-04-30
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. (CA)

This is a f/u to closed complaint #  XXXX . I spoke w/Navient re allocating $ $ to my  XXXX  separate loans with the intent of paying off the higher interest loans first. As previously stated in the complaint, I had increased my loan payme nts by roughly twice as much as the original requirement in order to pay the loans off more quickly and was told that I could not allocate funds. Last week, I contacted Navient to 1 ) find out the minimum payments required for each loan ( to continue to make good on the payments ) and, 2 ) advise how I wanted my payment allocated. I was advised by a Navient supervisor that I could only allocate $ $ if I paid EXTRA ( in addition to the monthly extra payment I was already making by auto withdrawal ). When I questioned  why this was so I was told that when I chose to pay more the " terms '' of the loan changed, i.e., they adjusted the payoff date. I still do not understand why that would deter me from allocating funds to the high interest loans first. Certainly I am no financial expert but it makes absolutely no sense to me that because I chose to pay more I would be locked into how I 'm paying this loan, which means that they continue to accrue money from my higher interest loans. Please explain this to me. Thank you.
Consumer complaint received 2022-02-14
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2018-03-17
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: EQUIFAX, INC. (TX)

I checked my XXXX XXXX credit score and my Equifax is showing 6 hard pulls that I do not recognize.XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX were pulled XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX were pulled XX/XX/XXXX. I alerted Equifax and set a 90 day fraud check on my accounts so hopefully that deters any identity thief from trying to take out any more credit. If I could get assistance in this, it would be great.
Consumer complaint received 2023-03-30
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. (NV)

Cease and Desist wrongdoing conduct, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Notice of Dispute To whom it may concern I am demanding verification of this alleged debt obligation, I have know knowledge of the said accounts. I believe this account is fraudulent. I believe the letter sent to me by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX is in violation of 15 USC 1692j, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in consumer that a person other than the Creditor such consumer is participating in the collection of or in an attempt to collect a debt such consumer owes such creditor, when in fact such person is not so participating. The term Creditor according to 15 1692a ( 4 ) means any person who created the debt I believe my signature on the credit transaction created the debt therefore makes me the original creditor. If XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX believes I am in error I demand verification under penalty of perjury that I am not the original creditor. Lastly XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX is in violation of 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; andI demand an affidavit signed under penalty of perjury verifying the name and address of the original creditor the letter sent to me by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX have a logo affixed to it and that is