davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-21
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: Navient Solutions, LLC. (CA)

Early this year there was a mix-up with my mailing address that is still affecting my credit score. After making payments for what I assumed was interest to avoid capitalization, my correspondence from Navient began inexplicably being sent to an address that was over a decade old, and I received neither emails nor phone calls that notified me of the change. Again, I had been receiving correspondence and even made payments from my current address at which I 've been since I purchased it in XXXX. It was only until seeing a major dip in my credit score that I was even aware there was a problem. After speaking to one of Navient 's representatives to see why they 'd reported me as delinquent, XXXX, and later a manager, XXXX, we were able to get the situation cleared up. They acknowledged that correspondence had been sent to several old addresses and were unable to determine precisely why. They claimed that they had tried to contact me but I can attest to the fact that I received no contact. My current address and phone number were confirmed and my account was made current and placed into deferment until my next payment which was due XXXX/XXXX/XXXX. Unfortunately, my credit score is still showing me as having delinquent payments, even though I didnt receive any bills, correspondence, or contact of any kind from Navient after the payment made in XXXX XXXX ( again, made under the impression that it was another interest payment to prevent it from being capitalized since I had n't received anything that indicated that my loan had moved from a deferment to a repayment status ). 

Ive filed a dispute with the credit agency ( XXXX ) already and did the same with Navient. I asked Navient to send me a written confirmation that my bills were being sent to the wrong address so the credit agency could complete their investigation and repair my credit score. Failing that, I asked that they provide an updated report that reflects the fact that my account was current, no payment was due until XXXX/XXXX/XXXX, and I was therefore not a delinquent borrower. I provided all this information to Navient in the form of a letter, along with a copy of my credit report. Also included was a copy of a billing statement dated XXXX/XXXX/XXXX which reflected no past due balance and no payment due until XXXX/XXXX/XXXX. 

Navient has refused to remove the delinquency or provide the information I requested so I can try to get the matter resolved through XXXX. Because my Federal loans count as 13 separate accounts, this has had a MAJOR impact on my credit score. My payment history for this and all other lenders is otherwise flawless and it is n't fair that a mistake made by Navient can have so much impact on an otherwise perfect history.
Consumer complaint received 2022-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (NY)

I previously closed my cable vision account ( several years ago ) due to irregularities on my bill and sent in the old XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) cable box device. This was previously sent to corrections which I disputed and the collection was removed from my credit. Now recently, this old amount is owned by a new debt collector that goes by Enhanced Recovery Company ( ERC ) and is showing up again on my credit by a different collector this time. I have disputed this, yet again, through XXXX XXXX # XXXX and now taking further actions against these collectors to protect my credit. Please SOMEONE assist. The contact information for this collector is : ENHANCED RECOVERY COMPANY ( ERC ) XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CT)

I am being charged and held responsible for a fraudulent purchase done on XX/XX/2021 using my PayPal credit account in the amount of XXXX at XXXX The ordered products were never received and as per PayPal terms they should resolve this issue
Consumer complaint received 2019-08-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AMERICAN EXPRESS COMPANY (IL)

In XX/XX/XXXX, American Express contacted my employer. I asked them not to contact me at work and to please contact my lawyer going forward. They never contacted my lawyer. On XX/XX/XXXX, I just received another call at work from American Express. Once again, I have asked them not to contact me at work and to contact my lawyer.
Consumer complaint received 2021-07-14
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

My husband had the credit card since XXXX with USAA BANK. In XX/XX/XXXX bank reported him XXXX. 5 month later in XX/XX/XXXX after being married in XX/XX/XXXX he added me as an additional authorized user. I never have used the card. The bank is reporting me XXXXlate on the account for XXXX. I did not have the card in XXXX. There is no way I could of been late as I did not have a card or no oblid=gation to pay. I have asked the bank and the CRA 's to remove the account. They have failed to do so. This is inviolation of federal and state laws.
Consumer complaint received 2020-09-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (GA)

Prior to XX/XX/XXXX @ XXXX I had called NETCREDIT one other time asking to do a settlement for $ XXXX and my bal is {$4100.00}. I only borrowed $ XXXX & I was on auto draft for {$92.00} a mo. I paid on auto draft for 7mo and in XXXX of XXXX I called in to reschedule my draft date because of some other bills due and I wasn't going to have the money to pay them. So when I asked what was the new balance I was told I owe {$4100.00}!!!! I was IN DISBELIEF AND SHOCKED! I asked why!!?? Because I've paid on time for 7mos straight, the rep said I have a daily interest rate of 6.?? % ( I can't remember the exact amount but I know it's over 6 % )!!!!! I said I was NEVER TOLD THAT I WAS ONLY TOLD THE APR IS 59.XX %! I SAID I'LL NEVER PAY THIS OFF BECAUSE I'M PAID BI-WEEKLY NOT DAILY! I have never had a loan w/a daily interest rate!!! I DIDN'T HAVE KNOWLEDGE SO I DIDN'T ASK AND THEY DIDN'T TELL!!!!!!! I took out the loan to pay off 2 credit cards & other bills to get out of debt but I've dug myself so deep I can't get out of this one. So when I called in XXXX of this year to try to settle I was told " THE SYSTEM MAKES THE DECISION WHEN THE ACCT WILL STOP ACCUREING AND CLOSE OUT THE ACCT ''! I said what! that doesn't make any sense as a large corporation THEY should be able to tell me when I'm EXPECTED to go to a collection agency and or when I can expect to go to court for this money. This company doesn't call you at all they just email you monthly & I FIND THAT VERY STRANGE!!!! I GOT THE LOAN XX/XX/XXXX AND I stopped paying in XX/XX/XXXX & they haven't called not ONCE! I have blocked them from emailing me so why don't you call because they KNOW THEIR ARE PREDATORY LENDING!!!!!! I'm going to seek legal counsel and or let it stay on my credit report for 7yrs and or wait for them to hopefully turn me over to the collection or take me to court to explain WHO THEY REALLY ARE. THE OTHER NAME THEY'RE UNDER IS : NC Financial Solutions of Georgia, LLC, d/b/a
Consumer complaint received 2021-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SUNRISE CREDIT SERVICES, INC (IN)

This is my second dispute on this {$200.00} disconnected fee I moved to COVID beginning and my life was threatening cops were called I paid my deposit upfront {$100.00} to XXXX then {$55.00} a month but I got robbed and threatened I told att that Im moving cuz Im forced and COVID I was told to prints out shipping label and I returned it to ups that day and they got it all. Then they put a disconnect fee which I was told no customer service i moved police called and Covid they lied to me I won my disputed complaint then they were changing the company name I dont know how they got my ill fathers cell and sisters looking for me then I heard from them and was threatened to pay for a non bill service was disconnected before I moved and now from the old collection its been. Taking off using as I just dud this its against the to call me family and harass but keep putting the {$200.00} fee after making it a 2021 new account and putting it on my credit report 3-6 a week they need punishment and Ive lost jobs and help with loans fton my dad especially Im on XXXX XXXX XXXXXXXX then. And now it needs to stop I have XXXX and then private messages threatened me I feel unsafe somehow to XXXX I need to receive damages in mentally and harassed by phone calls
Consumer complaint received 2017-12-20
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: New Century Auto Sales, Inc. (MI)

I was at a auto dealer on behalf of my brother as a cosigner. I ask the Salesperson to do not inquire my credit by more than one financial service ( creditor ). He agreed but I have three inquires on my credit report - XX/XX/XXXX. In XX/XX/XXXX I called the salesman ( XXXX ) and asked why he did not follow our agreement and he 's response was that it was not him, it was his manager.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RentDebt Automated Collections, LLC (TX)

I applied for an apartment and was denied so I checked my consumer report and discovered that Rent debt is reporting a debt that not only does not belong to me but is beyond the statute of limitations for debt collection in the state of Texas pursuant to Title 5 chapter 392 of Texas finance code.
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (MD)

I just don't think this is still right. I felt I am being taken advantage by someone I didn't know and being ignored by the agencies where I sent the disputes. What happened is last month I received my credit report and noticed that lots of items that I didn't recognized and it isn't mine, so dated XX/XX/2022 I sent letters regarding with those items to be remove and was very patient waiting for their response but up until now ( XX/XX/2022 ) I haven't received any from them. This is unacceptable. According to this article : FCRA 611 ( 15 U.S.C. 1681I ) ( A ) the investigation should be within 30 days only and an extension of 15 days makes 45 days, it was almost 50 days now from the time I sent letters but nothing came into my mail, email and even phone number when I indicated all these info for them to communicate to me. This is frustrating and causing me a lot of stress.
Consumer complaint received 2020-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I had wrote a previous complaint ID # XXXX and I am supplying you this CPA Letter showing you XXXX XXXX so you could send me the remaining balance of {$22000.00} via check that is rightfully owed to me. I also included a Schedule C form displaying how my taxes are filed I sent this via email to XXXX This is a loan from the government that I have to pay back and these crooks are unlawfully trying to take my money. I will not do business with Chase ever again in my life. I will file a lawsuit
Consumer complaint received 2020-11-22
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. (TN)

I have been trying to request to credit bureaus to remove inaccurate report from my credit report but no changes has made. The late payments are still showing up in their monthly report. I was never late on my payments and always paid on time. These inaccurate reports is affecting my job and livelihood.
Consumer complaint received 2017-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

requested statement of account for the year to date in XX/XX/XXXX while capital one was still servicer of mortgage. mortgage was scheduled to be transferred to another sevicer XX/XX/XXXXXXXX money unfairly held in unapplied funds was allegedly applied to principal after a prior complaint to the cfpb requesting this. representative greed to send .capital one blatently ignored my request I now have no proof that capital one applied my funds to principal i have no proof of correct loan balance to compare with new servicer
Consumer complaint received 2019-08-13
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. (MO)

My credit file is reporting accounts inwhich are not mines, not sure if accounts been mixed up because I'm a jr., or could this be all due to my wallet being stolen years ago, not to mention I'm a victim of the XXXX   data breach. Either way I challenge these unauthorized accounts and demanding physical documentation before you and your companies report such fraudulent accounts. I'm also requesting your detailed Method of Verification in this immediate investigation, and you can not produce such physical documentation then you shall remove the following accounts immediately. 

1. XXXX {$250.00} 2XXXX XXXX XXXX XXXX {$1000.00} 3. XXXX XXXX XXXXk {$900.00} 4. XXXX XXXX XXXX {$4600.00} 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX  7. XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX
Consumer complaint received 2019-08-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

Through my chase moblie app, Someone who I do not know requested money from me. I accidentally hit accept. I called my bank to file a claim and told them it was fraud/scam. They told me that there wasn't much that they could do. I tried contacting the person who I sent it to and no response.
Consumer complaint received 2022-11-17
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: 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. 

TRANSUNION XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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. 

XXXX5 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 2022-04-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BSI Financial Holdings, Inc. (CA)

Our current mortgage is through BSI financial. We were in the process of a loan modification and have attempted to contact our contact for nearly a year without any response. 
We finally received documents to sign for the modification and noticed an error. We attempted to contact our contact at BSI but we could never get a return phone call. After many attempts we were able to speak to someone who advised us to sign the paperwork and the underwriter or the agent involved would let us know if it affects the process in any way.

We signed the paperwork and the loan modification did not go through. In good faith we continued to pay the agreed upon loan amount for months. On two separate occasions we were sent to collections by BSI. The first time they fixed it but they have yet to fix it again and list us as delinquent on our payments. 
We just received new documents to sign for the loan modification and have asked for a break down of some amounts that are listed there that we owe and are going to be attached to the loan. To date no one will get back to us and no one that answers is able to explain what those amounts are and how they were calculated.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: ADP Inc. (FL)

Dear Sir/Madam, I am writing to lodge a formal complaint against my former employer, Nations Hearing, and their XXXX plan administrator, ADP. Despite my repeated attempts and eligibility for withdrawal, I am unable to access my XXXX funds due to lack of necessary documentation from my employer as required for the process. 

According to the Employee Retirement Income Security Act ( ERISA ), as an employee, I am entitled to certain rights regarding my pension, retirement, or profit-sharing plans, which include receiving important information about plan features and funding, minimum standards for participation, and a grievance and appeals process to get benefits from the plans. However, my rights under these provisions are being violated as I am being denied access to my funds without just cause. 

ERISA establishes standards to ensure that plan funds are protected and handled in the best interest of the plan members. This includes the responsibility of the plan administrator, in this case, ADP, to act prudently and solely in the interest of the plan participants. My attempts to withdraw my funds have been improperly denied, which I believe constitutes a breach of fiduciary duty as defined under ERISA standards. 

Moreover, the Department of Labor 's Employee Benefits Security Administration ( EBSA ) enforces ERISA regulations and provides guidance for compliance. According to EBSA, plan administrators are obligated to operate the plan prudently and for the exclusive benefit of participants, and failure to follow the terms of the plan is a violation.

I have attempted to resolve this issue directly with both Nations Hearing and ADP without success. Therefore, I am seeking the assistance of the CFPB to intervene on my behalf to ensure that my rights under ERISA are upheld, and to facilitate the release of my 401k funds as per my entitlement. 

I appreciate your immediate attention to this matter and look forward to your prompt response. 

Sincerely,
Consumer complaint received 2023-01-19
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. (OH)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-09-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$260.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$260.00} -This is not my account.
Consumer complaint received 2017-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify or validate the accounts i disputed. Being that they have gone past the 30 day mark and can not verify/validate these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... Promptly delete all information which can not be verified '' that I have disputed. Also there were two collection accounts removed from my reports and they were promptly re-reported without any notification. Please resolve the manner as soon as possible. Thank You.