davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-26
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. (TX)

Complaint : ( XXXX ) account # XXXX violated XXXX XXXX XXXX XXXX - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section XXXX of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX  ) account # XXXX to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of XXXX XXXX Code XXXX XXXX Experian XXXX XXXX, and XXXX, must remove all information reporting from and relating to ( XXXX ) account # XXXX third party debt collection accounts associated with ( XXXX ) account # XXXX because the account and information has been transferred and sold ILLEGALLY according to XXXX XXXX Code XXXX c-section b.
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IN)

Citi bank has charged me a XXXX dollar fee because THEY attempted to charge an account I didn't provide them. I've made multiple {$100.00} dollar payments over the past few months with no issues. In addition to that I set up a {$20.00} auto payment. 

The most recent payment didn't go through but my {$100.00} payment went through 2 days later without any issues. When I go to my autopay settings their is only the one account ending in XXXX. And I can not cancel autopay.
Consumer complaint received 2017-03-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MI)

My wife and I are co-borrowers on a mortgage loan with Ditech. My wife recently went into bankruptcy ( I did not ). Since this happened Ditech only gives me very limited access to my online account. I have no idea the amount of my next payment ( it was raised for some unknown reason ) and my online statements are blank. The only way I have account access is to call their bankruptcy department and they keep me on hold for 45-60 minutes before they answer the phone. I asked for my payment schedule in writing and they refuse to provide it. It would be nice to know how much I owe each month.
Consumer complaint received 2017-04-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MA)

My husband and I took out a federal funded consolidated student loan to put our son through college. Our initial loan in XX/XX/XXXX was for {$120000.00}, now on XX/XX/XXXX is {$130000.00}. Also, in total we had a XXXX loan, XXXX loan and XXXX loan. We paid off the XXXX and XXXX loans totaling approximately XXXX. I would like to know how the loan increases and not decreases. We do n't mind paying off the loan for a college education, but paying {$170000.00} in interest is ridiculous. I have written to XXXX XXXX ( Navient ), Senator XXXX XXXX, XXXX XXXX XXXX Department of Education, Senator XXXX XXXX, XXXX XXXX, XXXX XXXX, President Barack Obama and the XXXX with no help, just automated letters received. I went to XXXX to see it I could apply for a loan and an interest adjustment and they told me that because my husband did not have a college education, they could not give me a loan. We are middle class and struggle every month of make the payment of {$1000.00} for this student loan. My son also has his own loan with XXXX XXXX for XXXX. He lives on his own out of state and struggles to pay something every month, and is always being harassed by them.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

( 103 True identity theft ) REPORT NUMBER : experian Report Number : XXXX XXXX  File Number : XXXX i am a victim of the XXXX  data breach and ive filed my claims accordingly ive been attempting to clear my credit report of these fraudulent items as far back and ive been unsuccessful XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2017-04-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NJ)

Opened a new account at Chase. Made my first {$9000.00} deposit and then three days later went to the bank to make an additional deposit. Was told by the Branch Manager that my account was restricted and could not be used and that she did not know why. She or I had to call the XXXX # to find out. Upon calling the XXXX #, they confirmed that the account was suspended because they needed to check the validity of the check that was deposited and contact the writer of the check.
Consumer complaint received 2017-04-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (FL)

I have XXXX different charges on my chase credit card account that have been under dispute for over two billing cycles. These XXXX charges were both fraudulently unauthorized by the same organization, at separate times. I contacted chase bank several times via their message system, explaining the situation each time. I also talked to their representatives in their fraud department along with a supervisor and was told that I was liable for the charges because I had no proof of them being fraudulent, despite the fact that they were unable to get in touch with the retailer to get any evidence from them. This is Ludicrous and unprofessional. They have not charged me interest on the charges, but the charges are still there, which effects my over all credit rating for as long as they are on there.
Consumer complaint received 2017-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

Experian continues to report inaccurate information on my credit file after multiple attempts to have them correct the inaccuracies. I have sent Experian via certified mail multiple disputes along with supporting documentation for the items that i am disputing. Furthermore Experian has sent me a letter stating they are unable to use the documentation i provided ( Letter from sprint proving a collection account should be removed as it was result of identity theft ) and they keep prolonging the process. They also have violated multiple consumer protection laws by stating that they verified the accounts when in reality all they did was parrot information given to them from other sources and then they advise me to contact the original creditor, shifting the burden back on me which is a violation of 1681 ( a ) ( XXXX ). Experian has ignored multiple requests in my disputes as i have asked for the documents that they reviewed in order to conclude their investigation. The fact they continue to ignore this request is proof that they did not verify any of the disputed accounts like they claim they did. Under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to " ... promptly DELETE all information which can not be verified. '' It is my understanding that the FCRA allows me to dispute items that are inaccurate, untimely, misleading, biased, incomplete or unverified. CFPB, i seek your assistance with this as Experian seems to be consistently taking advantage of consumers.
Consumer complaint received 2022-08-25
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. (VA)

The inaccurate accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$850.00}
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX  violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

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, and XXXX XXXX XXXX reported to Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses corrected on my report. This is a violation of my consumer protection rights.
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (LA)

i contacted XXXX on XX/XX/2017 about my account showing {$80000.00} were as just last month balance was {$79000.00}. There customer services rep said it was XXXX is what he see. my question to him was why on all XXXX credit report it showing the XXXX. He gave me a fax number which i fax to XXXX and they still refused to correct. the real question is who at XXXX trying to subitise my credit. this XXXX is more then what i started with after my modification. in the last 18 month never miss a payment and the payment goes up. please make them correct because its over my limit i started with and having a affect on my score.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XXXX, XXXX XXXX, XXXX on XX/XX/18 violated my 609 rights by reporting incorrect information to XXXX, Equifax, and XXXX, regarding my credit file. The following Credit Bureaus further violated my rights by adding this incorrect information to my credit profile for others to see. 

The above Buisnesses, along with others reporting to the following companies Equifax, XXXX, XXXX, that i applied for credit in which is inaccurate. 

They have violated my rights to have fair information on my credit report. 

My personal information on my credit report is inaccurate as well, i have requested to have my addresses, phone numbers and names, corrected on my report this an violation of my consumer protection rights.
Consumer complaint received 2017-02-21
Product: Debt collection — Federal student loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Continental Services Group, Inc. d/b/a ConServe (TX)

Was approved for a Federal Student Loan with XXXX University. I changed schools and consolidated the loan with XXXX XXXX. School did not appropriately clear information from database and sent my name and address to Conserv. Agent at Conserv XXXX XXXX kept calling send me threatening messages, it has become a nightmare, she calls from different numbers and threatens me on a daily basis.
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OK)

My XXXX credit card ending in XXXX went past due XX/XX/XXXX and remained that way until it was charged off in XX/XX/XXXX. This item is still showing on my credit report even though the 7 years since the first time it became past due has passed. I have enclosed statements showing the past due status of the account as of XX/XX/XXXX.
Consumer complaint received 2017-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

NAVIENT is always changing the amount due on my student loan. On XX/XX/2017 I talked to customer service since we have been receiving phone calls and emails about the payment not being made. However, I got a bill from NAVIENT saying the payment is not due until XX/XX/2017 in the amount of {$230.00}. NAVIENT customer service said they made an accounting error and that is why they are trying to collect more money. I should be getting accurate statements and payment due dates from NAVIENT. Additionally, NAVIENT should not be harassing me due to their own accounting errors. NAVIENT says we now owe {$400.00} for the month of XX/XX/XXXX even though my bill says {$230.00} is due by XX/XX/2017.
Consumer complaint received 2017-03-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

I received an audit statement from my mortgage company that my escrow account was going to be raised by {$200.00}. Then on XXXX XXXX, 2017 my mortgage company took thru an ACH transaction {$950.00} instead of the additional {$200.00} that was noted on my statement. I received no notice of that they were going to do this. When I spoke to them ( Ditech ) the response was that the escrow was short {$400.00} and that they would not be reversing the extra money.
Consumer complaint received 2017-04-04
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PMAB,LLC (NC)

I contacted a Hospital and tried to setup payments for $ XXXX monthly and advised them if I was able to pay more I would call to make additional payments. The representative in billing told me they were unable to take anything less than $ XXXX monthly. I was not able to commit to this high amount due to other obligations. My account was then turned over to a third party collection agency. The hospital also provided the third party agency detailed information with my visits. This included procedures completed and medications administered to me. I persinally feel the hospital is in violation for releasing personal medical records to a third party. It was never my intention to deny payment, but I could n't make a commitment that I knew I would not be able to keep.
Consumer complaint received 2017-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MO)

I have send Equifax several letters asking that since they keep saying they verified that this alleged XXXX account XXXX as being verified which is false information. I lived with my aunt who has exact same name as myself and they are mistaken and so to clear my name I have asked Equifax for physical documented proof because when I had an agency call XXXX we spoke with a XXXX Id number XXXX and she clearly said they ca n't release 3rd party information without the account holders written authorization and since my aunt is deceased she ca n't write a authorization to them. So clearly Equifax is making false statements in which if they do n't remove this unverified debt I have to seek legal action. I have clearly been keeping all my certified receipts with their signature showing each time I send a letter on this matter they have received this and still have not send me any physical documents in which they keep saying verified but how? I would like to know in writing how they supposed verified because if this unverified debt remains on my report in case I need to take this to trial due to this damaging my character it 's very embarrassing and they keep saying verified and nothing else. Clearly they are in violation of the FDCPA section 809 ( b ) and are not following FCRA 611 ( a ) rule. I also have asked several times who in their company verified this XXXX account in question if XXXX said they need a signed statement and being that I have not signed anything clearly means something is going on and this account needs be deleted. Someone with XXXX must authenticate the documents in my file that were used to verify the disputed account and I said they must have first hand knowledge of the alleged account under penalty or perjury. According to XXXX 's law dictionary XXXX edition 1990 defines " verification " as " confirmation of correctness, truth or authenticity, by affidavit oath or deposition " affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' What this means is that Equifax must be willing to be able to produce a document that proves the account belong to me. Due to their continued disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under section 616 and section 617 of the if the UNVERIFIED Item is not deleted from my report.
Consumer complaint received 2017-03-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgement listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Equifax was able to gain access to my inaccessible information? 
According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the judgement from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.
Consumer complaint received 2017-04-09
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC. (OK)

I have not heard anything from my dispute. Ally says that I did not contact them about my check being expired, but I contacted them twice at the number that is on the check. They said the time is over for payment of my check. I would like for ally to honor my check or give me a credit for the check on my next car payment. I have already explained what happened and why the check did not get cashed. I do n't understand how they can send some money back to cfpb, and NOT know where or whom they sent it to. They did not even give me the courtesy of responding to my dispute.
Consumer complaint received 2020-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

3 inquiries on my account that I don't have any acknowledgment about. 

XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX- XX/XX/2020 I've called many times to have the removed and nothing is working.
Consumer complaint received 2017-03-31
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (SC)

It is ridiculous, this one guy XXXX at Ally Financial repeatedly calls my phone if my payment is even a day late. I blocked his number from my phone bc the calls were beginning immediately at XXXX and sometimes a little before, plus he has called my job to ask for me and I do not take personal calls at work unless it is an emergency. I really wish I would have read the reviews on this company before financing with them bc it looks as if they are a joke and they def have been proving that but the car dealership found them and they had best interest rate for us.
Consumer complaint received 2017-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IL)

I have been disputing one item on my credit report since XX/XX/2017 with no success. I paid a account in full on XX/XX/2017. Since then i have mailed proof and uploaded proof of payment to experian. I have also contacted the creditor XXXX ( XXXX, IL ) three times this month and the creditor told me it take two months to have this information updated with experian. Experian already has all the information needed to update my file but they keep sending disputes to the creditor which they come back stating verified no change in balance. This is not true and i would like for experian to update my file according to the proof i have submitted.
Consumer complaint received 2017-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NV)

XX/XX/XXXX my identity was stolen in XXXX Nevada they moved to XXXX opened a phone in my name never paid on the bill my identity has been traveling all over recently in XX/XX/XXXX I notice a loan being taken out of n my name I do n't have loans I do n't need a loan and to top it off I have been having problems with XXXX paying my doctor bills because of their system always saying inactive when it 's active. I show several bills on my credit and I need them off because the insurance should have taken care of it I called I complained I sent the copies to the welfare office on greenbae in XXXX Nevada. They should have all my documents I should have a clear report by now I filed bankruptcy in XX/XX/XXXX because XXXX did not pay none of my doctor bills while I was XXXX and not the hospital bill rounding out to being XXXX I had to have my father pay XXXX to get me out of debt to a lawyer. And wait 10 years for t to come off I do not want to have to do that again. So please tell me what I need to do to get these bills out I am not working at this time I can not pay thousands of dollars especially when I have had insurance for and they are n't paying for it.
Consumer complaint received 2020-04-21
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. (CA)

I called XXXX XXXX XXXX on XX/XX/2020 and opened a payment protection claim on my loan since I was laid off from my job. They indicated they will file a claim for me and I won't need to make a payment. 

They lied and reported my account 30 days to all 3 credit bureaus