davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been disputing bankruptcies that XXXX  has been reporting on my consumer credit report since XX/XX/2020. I have sent them multiple letters disputing the alleged bankruptcies explaining why the item that they are reporting must be deleted from my consumer credit report. Each time they send me correspondence stating the item was verified-certified. No information on how the information was certified or verified. However, after reviewing my XXXX  Credit report, I discovered that XXXX used a third-party data company. On XX/XX/2020, I sent XXXX  another certified dispute letter with supporting documentation. I received another letter from XXXX  stating that after their investigation, that it is verified-certified the item belongs to me. I have submitted a CFPB complaint on this item as well as others. In every letter, I have sent to them I have included a copy of my state driver 's license and a copy of my social security card. After receiving the response from XXXX  in regard, I sent another letter requesting the items be deleted and enclosed a copy of my social security card, ID with my name and correct address as proof of my identity. I received correspondence from XXXX  stating that once again the disputed item was verified-certified. I am convinced at this time, that either they are not conducting their investigation under the laws and guidelines set forth by the Fair Credit Reporting Act ( FCRA ) or they are blowing me off. Whichever it may be they are violating my rights under the laws of the FCRA and are knowingly reporting inaccurate information and participating in unethical reporting practices.
Consumer complaint received 2016-09-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a complaint to you against Bank of America and you sent me the following response : The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. Bank of America has not explained everything or finished their response and you have not sent me an update and I am wandering if you have one especially since your statement says they have provided me with a " partial response ''.
Consumer complaint received 2024-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to demand the immediate removal of fraudulent accounts from my credit report. It has come to my attention that there are unauthorized accounts listed under my name, which I believe are the result of fraudulent activity. 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
Consumer complaint received 2019-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX NWIDE RECVRY XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because  the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious NWIDE RECVRY XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2017-07-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NY)

Navient calls my daughter, myself and my ex-husband about 20-25 times a day each. They do n't answer, and I am at work all day where I ca n't answer the phone, so they call my work as well as my cell phone number. I am going through a very bad divorce, my husband left with the marital funds and I do n't know where he is leaving me living from paycheck to paycheck ( and not a lot ). When I was home after having XXXX in XX/XX/XXXX, Navient called my work again and again ( a college main office ) and had the nerve to leave a message for me with our STUDENT WORKER!! They asked for me and, said it was XXXX from Navient, and said to forward a message to me about a personal matter. How mortifying a student had to email me at home in recovery about my late student loan payment! This is from when my daughter went to college for her degree several years ago. <P/>Here is what I found in my inbox from my STUDENT WORKER! Checking in & Forwarding message XXXX XXXX XX/XX/XXXX to me Hi XXXX, I hope you are healing fine and getting plenty of time to relax and restore. I 'm emailing you because a call came in for you by a woman named XXXX from Navient. She asks for you to contact her when you get the chance. Her number is ( XXXX ) - XXXX - XXXX XXXX XXXX. <P/>
Kind regards, -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MO)

When I was unable to pay the amount due for my loans I contacted the Student loan company Navient for help. They pushed me to file for forbearance. I was already struggling to make payments and just wanted my payments lowered. after a few years of putting my loand in forbearance I found out about a income driven payments through a friend. After doing research I contacted my loan department and told them I only wanted to apply for the Income driven payments. After telling me I would n't qualify and telling me that I should just reapply for Forbearance I told them no I was applying for income driven payments. I applied and it was approved.
Consumer complaint received 2018-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WEICHERT FINANCIAL SERVICES (PA)

We have been requesting the removal of PMI since our mortgage reached 80 % of the original value of our Mortgage. When we began requesting the removal of PMI Weichert sent us a package explaining the options for which PMI was to be removed. We followed the instructions and ordered an appraisal of our home, through Weichert. The appraisal came back and they still denied the removal of PMI. At 78 % of the original mortgage Weichert did not automatically remove our pmi pursuant to the package they originally sent to us. In XX/XX/XXXX which is the date our original amortization table shows we would be at 78 % for automatic removal and they did not remove it and we requested removal again. This time we received a letter dated XX/XX/XXXX requesting we pay additional principal payment of {$540.00} to bring the principle to 70 % of the original loan and pay for an appraisal through Weichert to have PMI considered for cancellation. This is a direct contradiction to the previously received packet that states : " First Mortgages secured by 1 family principal residences / 2nd homes Earlier of [ 1 ]  the date that the mortgage balance is first scheduled to reach 78 % of the orginal value of the property ( lower of purchase price or appraised value ) or ( 2 ) the first day of the month after the date that is the mid-point of the mortgage amortization period. '' I tried to contact Weichert direct by phone on the provided letters on  XX/XX/XXXX and spoke a customer service representative named XXXX. I informed her the letter I received contradicted what we received previously and would like to speak with someone in PMI department. She said a letter date XX/XX/XXXX stating that our PMI was being terminated, I confirmed with her that was the case. I inquired about a refund for PMI payments made after automatic termination was supposed to take place and she said everything will be explained in the letter. On XX/XX/XXXX I received my mortgage statement for XXXX and I was surprised to see a charge for PMI. I did not call Weichert yet as XXXX stated a PMI termination letter was sent on XX/XX/XXXX. Today XX/XX/XXXX I received a letter dated XX/XX/XXXX stating to qualify for PMI cancellation at this time I may either pay XXXX to bring down my principal to 70 % of my original value and order an appraisal through Weichert. Weichert has violated the Homeowner 's Protection Act and I have done as much due diligence to have them comply. I have never missed a payment and there are no payments in arrears.
Consumer complaint received 2016-05-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America denied access to my banking account and held my funds without giving me access to my funds. Bank of America states that they will be closing my account and my account will be on a hold status. Account number XXXX, also I was denied full disclosures.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$280000.00} ; XXXX XXXX XXXX XXXX XXXX : {$340000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00}.
Consumer complaint received 2019-10-26
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: ID Analytics, Inc. (FL)

Received a letter from XXXX XXXX on XX/XX/1025 after I tried to purchase a vehicle on XX/XX/2019. They denied me a financial loan through the dealership because of a XXXX credit score from sagestream LLC. I have never heard of this company before or why they would have any of my information or such a low score. I have been denied loans several other times for a vehicle and my guess is to this is why, it also says I have delinquencies. I'm not sure how I can have delinquencies with a company I've never heard of or why they have any of my credit information.
Consumer complaint received 2017-07-06
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MI)

I would Like to file complain against XXXX and Experian which are credit report company. I called them to dispute hard inquires on my credit reprot and they want me to call each company on my report. I did call some of them and some companies will send letter to dispute and some will not. My name is XXXX XXXX Email address is XXXX.
Consumer complaint received 2017-10-01
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. (GA)

I have several inquiries on my Equifax report that were not authorized, I believe they are related to the Equifax breech. Equifax refuses to help me or remove these inquires. I have spoken with the companies and they have no record of me having ever done business with them and some claim to have reached out to Equifax to have removed and they have failed to do so. The inquires are as follows. 
- XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX- XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX- XXXX XXXX - XXXX XXXX XXXX XXXX I have never done business with any of the above creditors and until they showed up on my report I had never even heard of them and Equifax refuses to help me with this matter XXXX
Consumer complaint received 2019-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (IL)

I received a personal offer from my VP at my company to apply for the Rose Gold American Express card. This promotion included XXXX points when spending {$3000.00} within the first 3 months. I applied for the card and was approved immediately on my mobile phone. I received the card on XX/XX/XXXX. 

A few months later, I had spent well over the required amount to receive the XXXX bonus points, but I did not see them in my account. I called and spoke to a representative who said : " Of course you will receive your points, it just takes time. They will hit your account on XX/XX/XXXX. The confirmation number is XXXX. '' This did not happen. I called and learned that this confirmation number didn't mean anything and could not be looked up. A representative told me that because I had cancelled a XXXX card in XX/XX/XXXX, I was no longer eligible for the bonus. In XX/XX/XXXX I relocated from a city that was a XXXX hub to XXXX ( which is not a hub ), and therefore no longer needed the card. This was 7 years ago, and at no point was I notified that I would not get this bonus when I applied for the card or when I was spending the high limit. 

I believe this is fraudulent advertising on the promotion and application, and that American Express is scraping up old, irrelevant history on my account to get out of delivering the bonus. I am also a current holder of an American Express Corporate card, so I am not a single card holder and am not consistently applying for cards just to get the bonus.
Consumer complaint received 2022-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (TN)

I have been tracking my credit report and after reviewing the information, I noted that inaccuracies have been placed by Sunrise Credit services again on my credit report regarding the original creditor, XXXX XXXX XXXX. The incorrect accounts are adversely affecting my credit report. I have contacted your Sunrise Credit via phone 3 times and by letter, yet Sunrise Credit service has yet to respond. For the record, the following information is being erroneously included on my credit report, which I repeatedly advised XXXX XXXX XXXX and Sunrise Credit Services of inaccuracy of the collections being reported. Lastly, Sunrise Credit services are reporting to the credit bureaus weekly, as a NEW collection by via Sunrise Credit services. 
Here are the factual items in which I am disputing : 1. Incorrect date of past due services 2. Incorrect amount of past due services XXXX. Multiple INCORRECT phone numbers that were never used on my account- See attached copy 4.Re-insertion of incorrect information, AFTER it was corrected when it was sent to a previous debt collector : ( XXXX & XXXX ) - See attached copy I have attempted over 8 phone calls to XXXX XXXX XXXX  customer service , 2 with XXXX and & XXXX, and 3 phone calls to Sunrise creditor to resolve the issue. In 2021, XXXX XXXX XXXX held me on hold over 45 minutes with 3 of 8 calls, ending with no representative taking the call, then left with an automated message about due to XXXX. Each time discussing my concerns with XXXX XXXX XXXX collection and fraud services ; I was advised of various justifications, included : 1. Our company uses advanced billing and when you terminated services in XXXX 2021, it sent an advanced bill, in a system error 2. We can not verify your account because you do not have a 4-digit passcode* that I used from 2021. I requested the passcode to be reset, and I was advised no, and there was nothing else that could be done if I didnt have the 4 digit passcode. 
How can my account be verified and information discussed if XXXX XXXX XXXX  will not provide the on-going historical incoming calls that I have made disputing this information 3. The balance the XXXX XXXX XXXX reported is different from the collection agencys amount. 

Additionally, I have filed disputes with all 3 major credit bureaus ; without success. I have exhausted all the attempts for resolution and correction of this matter over the past 12 months. 
Following the conclusion of your investigation, please send me the results of the corrections via MAIL. 
I have attached my legal identification card, as well as a recent copy of my mail for your verification. 

Best Regards, XXXX XXXX
Consumer complaint received 2021-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (NC)

On or about XX/XX/2021, Barclays closed my Account No. XXXX. On XX/XX/2021, I called Barclays to get my reward balance of {$32.00}. Barclays refused by imposing minimum redemption requirement of {$50.00}. 

Barclays chose to close the account for non-activity ; I should not be forced to use my credit cards if I do not want to!! Furthermore, it is unfair for a financial institution to impose the minimum redemption requirement on a customer, especially on the purchased that were made months or a year ago and rewards were fully earned.
Consumer complaint received 2021-04-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

To whom it may concern : I received a notice from USAA auto insurance saying that on XXXX XXXX, XXXX, their client alleged that while I was leaving a parallel parking space on a XXXX XXXX, I backed into their vehicle and fled the scene. USAA alleged that their client took their vehicle to the claims adjuster and they adjudicated the claim in the amount of {$130.00}. 

When I called to inquire about the allegation, USAA claimed that their client had a video of the alleged incident. In complete disbelieve that USAA alleged that my vehicle caused {$130.00} worth of damage to their clients vehicle, I requested, in good faith, to view or receive a copy of the video to determine that it was indeed my vehicle responsible for the incident -- USAA, over the course of two months, neglected to communicate with me nor send a copy of the video. 

In XX/XX/XXXX, having received no communication from USAA, I wrote them via their web portal requesting them to dismiss the claim. The company, again, did not respond to my inquiry and instead sent my case to collections.
Consumer complaint received 2021-04-21
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. (GA)

Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2022-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

I have Direct Consolidated loans serviced by FedLoans that are eligible for PSLF forgiveness under the PSLF waiver. FedLoan continues to send emails with misinformation about the waiver. It continues to claim that it is assessing payment counts for the *PSLF waiver. '' On XX/XX/22, I received a letter from FedLoans about an update on my PSLF payment counts with the phrase : " The charts above display the total number of eligible and qualifying payments you have made ( out of the required 120 ) on your eligible loans for PSLF and TEPSLF, including any periods we have assessed as eligible or qualifying under the Limited PSLF Waiver. '' FedLoan does not assess payments for the Waiver. Only the DOE does that. However, by continuing to claim that it does so and informing borrowers of this false claim in letters, FedLoan is causing a panic among borrowers. These borrowers in turn flood FedLoan phone lines and email boxes asking for clarification. This, in turn, causes delays for everyone, including those with legitimate questions. It also causes more complaints for the CFPB. Which is why you are stuck reading this complaint.
Consumer complaint received 2022-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NJ)

Rocket Mortgage is holding an escrow account for Flood Insurance that they say is Federally mandated. 

I would like confirmation that this is, in fact, a federal mandate, or to know if Rocket Mortgage is making fraudulent statements to me. 

Thank you