davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-25
Product: Credit reporting 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)

15 US Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX
Consumer complaint received 2016-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TX)

I have XXXX ( now NAVIENT ) student loan " late fees '' unlawfully reported on my credit report. I had a forbearance and still have an extended forbearance. 

The reason I had to take a temporary break from attending classes for the last XXXX classes of my XXXX degree and ask for forbearances is because XXXX XXXX I unknowingly experienced XXXX XXXX in the same week ... 
-my car was " totaled '' from a very minor fender bender -I lost the job I had at the time because I suddenly had no car -my dog who was my Best Friend, sporadically died after being diagnosed with a XXXX caused from XXXX in our rent house of 2.5 years that the owners discreetly knew of. 
XXXX. 
-I had to evacuate the rent house and find a place to temporarily stay while dealing with everything that just happened. 

My credit report currently has XXXX reporting late fees six times! They knew what happened because I called and explained after it happened. I had XXXX simultaneous extenuating circumstances, I want the late fees removed. I 've called to remove it and they wo n't. Because of this, I was denied financing for my replacement car making the only option to pay {$600.00} a month for a XXXX vechicle, denied refinancing on my car, denied getting into an apartment, denied buying a house, and if I try to apply for anything else I 'll have the same problem. I bust my tail at work, plan to finish the remaining XXXX courses of my XXXX degree, and live a joyful, successful life, I need my credit to be in excellent standing for this. 

These intentionally faulty claims on my credit report are n't my fault. I will not allow it to continue to destroy my life because the people at XXXX attempted to punish me by ruining my credit report. 

It 's been difficult enough picking up the pieces and rebuilding my life the best I 'm able over the last two years after multiple losses, the wrongful death of my Best Friend, paying bills, having to save money to buy a replacement vehicle, and having to replace everything from my rent house because it was ruined by XXXX.
Consumer complaint received 2020-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (FL)

TODAYS DATE : XX/XX/XXXX CAPIO PARTNERS LLC 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 CAPIO PARTNERS LLC 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 XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications  and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2016-05-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (CA)

We have ( had ) a mortgage with XXXX acct. # XXXX which we were behind on applying for a modification which was denied. We were told that if we made XXXX payments by XXXX2016 that we could take XXXX & XXXX to catch up. We made XXXX payments in XXXX. In the mean time the loan was sold to PHH Mortgage. They have sent us many letters warning of foreclosure. Also statements not showing our payments to XXXX. Now they are refusing to accept a payment they received XXXX2016. Also a letter saying the are expediting foreclosure on our home. I am attaching cashed checks to XXXX and also our check to PHH Mortgage Acct. # XXXX which they say they are not accepting. I am sending the statements that are in error.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX I received several text alerts about a sign on I did not authorize. 
On XX/XX/XXXX I received a notification regarding a declined attempted purchase I did not authorize and do no know this account. 
I began to receive several main number calls to which I did not answer or respond to from XXXX main line XXXX. 
On XX/XX/XXXX I received a notification regarding a declined attempted purchase I did not authorize and do no know this account.

Prior Complaints regarding banking practices and violation of disclosure to financial records : OCC Complaint : XX/XX/XXXX Ref. No. XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  continues to report negative information on my credit report as AUTHORIZED but has filed a lawsuit against the account holder. 
XXXX has filed ( XXXX ) debt claim lawsuits against me and failed to provide the requested documentation through its attorney of record. 
In response to my repeated complaints and requests for information, XXXX closed all me " accounts ''
Consumer complaint received 2015-10-22
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I recently purchased a Cadillac CTS at the XXXX XXXX in XXXX XXXX. They gave me a temporary registration and I believed the documentation to be legitimate. On the temporary registration the mileage was listed as XXXX miles, the actual mileage of the vehicle was XXXX miles. When I went to the XXXX to receive my permanent registration the XXXX informed me that the vehicle was not registered in my name and there was a lean on the title. After the XXXX, I went back to XXXX XXXX and they would not disclose the information that I needed. Later on XXXX legal informed me that the vehicle was stolen.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$990.00} XX/XX/XXXX XXXXXXXX XXXX ************ {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$960.00} XX/XX/XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX & XXXX XXXX {$370.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$120.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX 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 XXXX years. XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NJ)

Their website does not allow for homeowners to indicate where funds should be assigned to. I have been paying a little over my monthly dues and as of today my principals has not changed, I'm seeing a negative escrow answer when I asked to speak to some today, XX/XX/15 @ XXXX ( XXXX ) I ended having to deal with an arrogant, immature representative who placed ne on a long hold so that I could hang up. This is always the situation with Selene. Their Representatives are rude, disrespectful and never want to assist. I would like a payment analysis and an escrow analysis as well as a principal analysis as I have strong feeling that they are not putting any money towards my loan. When I asked the representative to plenot speak over me and to allow me to speak she hung up the phone.
Consumer complaint received 2016-02-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (AZ)

We are not able to obtain a mortgage payoff statement. 
My wife and I wish to pay off the adjustable rate mortgage on our house at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX The mortgage is serviced by PHH Mortgage, XXXX, XXXX, NJ XXXX. 
I telephoned PHH on XXXX XXXX, 2016 to request a payoff statement. I spoke with XXXX XXXX XXXX, XXXX XXXX XXXX ext XXXX. He stated that the payoff statement would be mailed to me on Monday, XXXX XXXX, 2016. I telephoned XXXX XXXX again on XXXX XXXX, 2016, because the statement had not arrived. This time I chose to have a payoff statement faxed to me at a XXXX office where we do business. The fax did not arrive ; therefore, I telephoned XXXX XXXX the morning of XXXX XXXX, 2016, and he assured me that a payoff statement would be faxed to me and would arrive by XXXX, my time. The fax had not arrived by XXXX, and I was unable to reach XXXX XXXX by telephone. 
I note that PHH continues to accrue interest on our mortgage while they delay the loan payoff process.
Consumer complaint received 2018-03-16
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. (TN)

I mailed in two dispute letters requesting that Experian to verify negative accounts on my credit report. They " verified '' these accounts after online dispute. I have since mailed two different dispute letters, and both times, I got back from them a letter in the mail stating they will not reinvestigate. I called and spoke to an Experian representative. She stated to me that they do not have an original signed contract from the original creditor as required under the FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Experian has failed to provide the method of verification as required under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil Liability and the remedy available to me under Section 616 & 617 of the FCRA, if the CRA fails to comply with the federal law. I demand the following accounts be VERIFIED OR DELETED IMMEDIATELY. 

1. XXXX XXXX XXXX XXXX ( accnt # : XXXX ) 2. XXXX XXXX ( accnt # : XXXX ) 3. XXXX  ( accnt # : XXXX ) 4. XXXX/ XXXX ( accnt # : XXXX ) 5. XXXX XXXX ( accnt # : XXXX ) 6. XXXX ( accnt # : XXXX ) 7. XXXX XXXX XXXX XXXX ( accnt # : XXXX )
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

3 inquires listed on my Trans Union credit report were removed and placed back on my credit report without any notification to the consumer ( me ). This is against the law and illegal. I called Trans Union on Monday, XXXX XXXX and spoke to a representative who confirmed the inquiries were removed and replaced back on. He said these 3 inquires will be removed. I told him I wanted the statement in writing, he said he could not do that since this is a system glitch issue. I stated if these inquiries were not removed from my credit report due to Trans Union violating the law and my rights as a consumer, by Monday XX/XX/XXXX/2017, that I will be making a complaint to the CFPB to have them removed promptly. Again, this is against the law deleting and replacing inquires that potentially pose as negative information on a credit report and those such inquiries were listed back on my credit report without any notification. I found out these inquiries were removed and replaced twice - the first time between the week of XX/XX/XXXX/2017 & the second time the week after ( XX/XX/XXXX/2017 ). I was able to find this info due to a credit monitoring service that I consistently use that updates weekly on Mondays. Please remove these inquiries promptly as I was told they would be removed over the phone and this was never done. Thank you. 
( See attached spreadsheet for listed inquiries ).
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TN)

On the XXXX of XXXX, I tried to do a transaction with the Trust Bank. They delayed the transactions and I believe they delayed the transactions so they can make money from Late fees. Only account. I can't a transaction that should have taken one day end up taking. 10 days. They were waiting for me to overdraw the account on a transaction.
Consumer complaint received 2016-10-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (SC)

I called to cancel my spg american express card. The american express rep talked me into upgrading my card to a XXXX XXXX card. I reluncantly accepted. They send me the new card and I see they upgraded a different card. I have contacted American Express 5+ times and have gotten no where. This is fraud as they upgraded another account that I did not request and they will not fix this issue. Mulitiple requests have been sent and cases have been closed they say by error.
Consumer complaint received 2017-02-18
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (MO)

I had a balance of {$700.00} and made a payment of {$200.00} bring me a balance of {$590.00}? Being I do not use the card I was skeptic. I filled a online dispute with American Express. The only complaint I could make, XXXX Billing dispute ) was that I did not make this payment. I realized this was the wrong dispute being I did make the payment and contacted customer service right away. I was explained the details of the {$590.00} and excepted the explanation. I asked to have the online dispute closed and was told that the online dispute was closed. However, my balance is now {$790.00} and I do not use the card. I called American Express for help and was told that {$200.00} was being sent to my checking account without my consent and was being charged {$200.00}. I contacted my checking account and no money has been received from American Express. American Express says it will take 7days for the money to show up in my checking account. What STRESS.
Consumer complaint received 2015-06-12
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TCF NATIONAL BANK (IL)

i have an account with TCF bank, on XXXX/XXXX/15 I purchased shoes from website, in thein the amount of {$170.00}, the items were out of stock, so I requested refundon XXXX/XXXX/15, and since then back and forth with this merchant to refund me, finally 10 days ago or more, the merchant stated they refunded me for the full amount, but TCF bank insisting that there is no refund, and they are requesting me to ax them information proving the communication between me and the merchant, I faxedthe info 3 times, and keep saying its not showing received and they are investigating the issue ..I am the victim and they are holding my money, when actually I showed the solid proof that the merchant stating they refunded me and my bank have the moneyto tell you the truth, I do n't know who to believe anymore, its been 2 months ... 
I gave up ... Please help
Consumer complaint received 2023-03-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. After reviewing my report, I have noticed that there are several errors that need to be corrected. I am hoping that you will take the necessary steps to correct these errors as soon as possible. 

Firstly, there are several items of personal information that are incorrect. The account numbers associated with my previous addresses at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX in XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX are incorrect. Additionally, the employers listed for account numbers associated with XXXX XXXX XXXX and XXXX XXXX are incorrect. 

Furthermore, I am confused as to how the XXXX XXXXXXXX XXXX case with Case Number XXXX was verified on my credit report when other bureaus were not able to verify it. I request that this inaccurate information be removed from my credit report immediately. 

I also dispute several unauthorized inquiries on my credit report. The following inquiries have reached the statute of limitations and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX and XXXX XXXX XXXX ( inquiry on XX/XX/XXXX and XX/XX/XXXX ). Additionally, the following inquiries must be removed immediately as they were not authorized : XXXX XXXX XXXX XXXX ( inquiry on XX/XX/XXXX ), XXXXXXXX XXXX XXXX  ( inquiry on XX/XX/XXXX ), XXXX XXXX ( inquiry on XX/XX/XXXX ), XXXX XXXX ( inquiry XXXX XX/XX/XXXX ), XXXX XXXX ( inquiry on XX/XX/XXXX ), and XXXXXXXX XXXX XXXX ( inquiry on XX/XX/XXXX ). 

Finally, I dispute several accounts listed on my credit report. The payment status, balance, comments, payment history, and account numbers associated with XXXX XXXX XXXXXXXX, XXXX. ( account number XXXX ), XXXX ( account number XXXX ), XXXX ( account number XXXX ), and XXXX XXXX XXXXXXXX ( account number XXXX ) may be incorrect and must be verified, fixed, or deleted from my report. 

I appreciate your attention to these matters and request that you contact me as soon as possible to confirm the removal of these inaccuracies. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-11-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had alot of charges done i didn't make.I called ten times. Called 20 times and repeatedly was hung up on ... I even waited hours 3 different times for them to answer me claims department they didn't want to talk to me. I ask for bank statement and they said no because it's XXXX.. I said I'm get my money stole the agent said it's XXXX..I said I work hard for you to treat me disregarding anything I said ... I have more evidence I can send you of them hanging up on me.. all of the transactions with the red circle box is not me I do not make those transactions ... I'm uploading them right now It will be submitted with this statement.