davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-19
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. (TX)

On XXXX I sent out dispute letters for XXXX account to be investigated. It is a closed account on my report still showing a past due balance which is inaccurate reporting. They auto verified my dispute without giving me the proper documents that I requested in the dispute to prove that this account was indeed correctly stated as mine. I would like this to be reinvestigated as soon as possible. This account needs to be removed.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello, This is the second complaint I have opened. 

Shortly after my first complaint was closed, with an unsatisfactory resolution ( XXXX ) XXXX XXXX reopened a credit line without my permission. The account was closed in XXXX of last year and the company is now incorrectly reporting the account as open. 

XXXX XXXX is now engaging in malicious, and predatory practices against me in its servicing of debt that it previously stated, *on a recorded line* was resolved and that the account was closed Im asking for help from the CFPB to investigate this matter and bring a resolution. 

XXXX XXXX is currently under investigation for it practices in its credit card business, beginning in mid XXXX and that investigation has now expanded in XXXX. 

I believe my case to be solid proof of the mishandling of a credit card account and
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2016-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (PA)

I missed my payment in XXXX. Then I made my payment plus extra towards the remaining balance and have been making payments for the last three months slowing reducing the debt. They are asking for a minimum of {$1300.00} a month! Which is absurd and I have a hard enough time making the minimum payment, but I do plus extra every month. They call my house, my cell, and my work 5-6 times a day! It is non stop. They send emails, calls, email, calls multiple times a day and I already am making payments. When I speak to them to stop - they hang up and call again. I make {$1500.00} payments each month to get current. They need to stop.
Consumer complaint received 2024-01-24
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: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-01-19
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)

There is an account reporting for a collection/chargeoff that does not belong to me. I have sent numerous letters to all three credit bureaus to investigate this account and all they do is say it's been verified with no dispute results or proof that the collection was validated. I know it couldn't have been validated because this account does not belong to me!!! 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) Account # XXXX
Consumer complaint received 2020-11-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I have contacted my loan servicer and Federal Student Aid to try to clarify items on student loan account, It seems that some of the loan cancellation were not applied during consolidation. Each are saying I need to speak to the other. I started emailing in end of XXXX XXXX and last communication was XXXX/XXXX/20. 
Looking over the documents there is a {$15000.00} difference some of it is interest but that seems quite high. My original loan total was around {$35000.00} but consolidated was over {$50000.00}.
Consumer complaint received 2016-02-09
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (ID)

I purchased a ring through ebay and used paypal to send the money. I received the ring and saw right away it was not the same ring that was described. I contacted the seller who denied the allegations then said I could send it back if I paid for shipping. I refused to pay for shipping since I got lied to then the seller rescinded the offer to return the ring and basically told me to go take a hike. I escalated it through pay pal and then 1 hour later paypal without even contacting me or doing any investigation nor allowing me to upload documentation closed the case. I tried dealing with them and I just got the same impossible auto bot reply telling me to upload my documentation. Despite there being no way to do that and no way to contact a real person. I googled my issue online and found that this is a huge issue with paypal closing cases and doing no investigation and telling people to uploads documents to a non existent place online. Then basically doing nothing and giving fraudsters online free money.
Consumer complaint received 2022-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (AZ)

The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

During my review of Experian Report # XXXX, I discovered that undisclosed personal information was shared with a non-affiliated third party without my written consent. This violates the Fair Credit Reporting Act ( FCRA ) and my right to control the disclosure of my personal data ( 15 U.S.C. 6802, 15 U.S.C. 1681b ). As per the FCRA, I must be informed and empowered to opt out of such disclosures, which did not occur.
Consumer complaint received 2022-01-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NAVY FEDERAL CREDIT UNION (ME)

On XX/XX/2021 I notified navy federal credit union in writing to only contact me by mail. I notified them through their messaging system and received a reply to other portions of my written request. Since that time I have received over XXXX calls and voice messages from them including multiple calls per day at times. This is a violation of my rights and has impacted my daily life in a negative manner.
Consumer complaint received 2015-05-02
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

XXXX things : Bank of America is refusing to allow us to pay our mortgage each month in XXXX parts- Both being early and before the month due. They continuously treat the second payment as deficient ( partial ) and ignore the first payment. And they then trigger additional service charges, interest and reported to the payment as late our credit bureaus. 
Second issue : We want them to decrease our principle. Our house is underwater by a very large amount and we paid for years and years a very high interest rate which they finally lowered when we complained to the XXXX office in XXXX Massachusetts. While our interest rate is no longer 8.65 % but a more modest 4.25 % - we have always had perfect credit and good income and have NEVER missed a payement or even paid late.
Consumer complaint received 2015-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

XXXX XXXX is reporting incorrect information for XXXX accounts on my credit report. I have attempted to contact them directly on XXXX separate occasions and they refuse to correct it. They are incorrectly reporting the date of XXXX delinquency for XXXX accounts as XXXX XX/XX/XXXX. I have contacted the original creditor XXXX XXXX XXXX XXXX XXXX ) and verified that they date of XXXX delinquency for XXXX accounts is XXXX XX/XX/XXXX. I have also requested that Equifax, XXXX and XXXX correct they information but they have not. The XXXX XXXX account numbers are XXXX ... and XXXX ... The Original creditor is XXXX XXXX XXXX XXXX and the account numbers are XXXX ... and XXXX ... As you can clearly say on my credit reports, XXXX XXXX is reporting the correct date of XXXX delinquency but XXXX is not. At this point I want all the XXXX XXXX accounts removed from my credit reports.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

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

Account Name : 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. Or a list of inquiries : 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 2021-06-22
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: Resurgent Capital Services L.P. (NY)

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have XXXX XXXX accounts on my credit report : XXXX ( XXXX ) and XXXX ( XXXX ) with a 30 day late payment that was authorized by XXXX to be removed. XXXX and XXXX have already done so, yet transunion has yet to budge. I have attached the document from XXXX Also there is an inquiry on my credit report for XXXX, IA XXXX XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/2016 I have disputed it and they tell me to contact XXXX which they stated that they have no information on such inquiry.
Consumer complaint received 2022-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (MD)

Received phone call from Southwest Credit on XX/XX/XXXX stating that I owed {$140.00} from XXXX. However, this charge is incorrect. When I asked for an itemization Southwest Credit promised to mail it to me on the same day XX/XX/XXXX. 

As of the writing of this complaint to CFBP on XX/XX/XXXX, Southwest Credit has not ever provided me with a bill validation after several urgent follow up calls since XX/XX/XXXX and is threatening to forward this debt to the three credit bureaus XXXX, XXXX and XXXX. 

Southwest Credit had an obligation to forward me a bill validation within 5 days of contacting me for the debt. It is now over 30 days and Southwest Credit has not acted in good faith and is attempting to hurt my credit score.
Consumer complaint received 2024-03-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

I used my card on their site. Then charges started coming back to back to back for days and I requested charges. Be stopped and refunded. Cant get in touch with anyone cause theres no Number and emails go unanswered. I filed dispute with my bank and they are saying they are authorized. I explained that 2 charges were authorized. But they charged my card over {$7000.00} extra.
Consumer complaint received 2022-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Our mortgage servicer, Shellpoint Mortgage has overpaid our property tax bill and owes us {$15000.00}. 

We live in XXXX XXXX county, and property taxes are due in two installments : XXXX and XXXX. We purchased our house this year, so there's a big increase in the property tax amount since last year ( the prior owner owned the house for 40+ years, so taxes had not been reassessed for a long time. ) We received two tax bills due XX/XX/XXXX to XXXX XXXX County : {$700.00}, and a supplemental of {$7600.00}. 
I asked Shellpoint Mortgage Servicing if they would pay both the initial and supplemental bills. On XX/XX/XXXX, Shellpoint Mortgage Servicing advised us via email that they would NOT pay our supplemental tax bill of and that customers need to pay this on their own. I paid the difference of {$7600.00} to XXXX XXXX from my personal checking account on XX/XX/XXXX. 
On XX/XX/XXXX, Shellpoint withdrew {$7600.00} from our escrow account, they ALSO withdrew an additional {$8300.00}, for the XX/XX/XXXX tax bill. As of XX/XX/XXXX, XXXX XXXX County has NOT received any of this money. 
This overdrew our Escrow account, and they're attempting to raise our monthly payment by {$1000.00} in order to compensate the negative escrow balance they've created. I've called Shellpoint many times, including on XX/XX/XXXX, where I spoke with XXXX, XX/XX/XXXX where I spoke with XXXX XXXX, and XX/XX/XXXX where I spoke to XXXX in the tax department, and received different answers each time. Shellpoint needs to reimburse us the {$15000.00} they've taken from us. To further complicate matters, we are in the middle of refinancing our mortgage, so we've had to increase the loan payoff amount to cover a negative escrow balance.
Consumer complaint received 2021-09-01
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. (IN)

Yesterday I pulled my credit report and I noticed I have accounts on my credit report that don't belong to me nor have I ever authorized. I notified my lawyer and she instructed me to file a complaint with the CFPB first. The following accounts are fraudulent and are not mine and need to be deleted from my credit reportXXXX 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, Also these inquiries are fraudulent and not mine and need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also see several inaccuracies with my personal information. The only name that I have ever used is XXXX XXXX, my address has always been XXXX XXXX XXXX, XXXX, IN XXXX and I am self employed. My only number is XXXX. None of the other information applies to me nor has it ever and needs to be corrected. Please correct it as well. Please help me.
Consumer complaint received 2024-03-10
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: JPMORGAN CHASE & CO. (LA)

The company ran numerous credit checks even though I had an application pending This has affected my life and ability to get credit approvals for even the smallest things This company never had any intentions on giving me this loan and as an XXXX American these practices are offensive.
Consumer complaint received 2022-07-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Absolute Resolutions Corp. (MS)

This debt is over 7 years old. They sued and got a judgement. Which I filed a motion to set aside judgement. I have tried to settle the account but they refuse to remove from my report after we settle it.
Consumer complaint received 2015-06-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have received at least XXXX " home loan refinance opportunities '' from Bank of America, who holds my current mortgage. The latest letter is attached, both front and back pages. I believe the manner the refinancing option is presented in these letters is misleading, deceptive, and potentially illegal. 
The letter boldly emphasizes several times that I will save {$3000.00} per year. But this savings is not primarily due to a lower interest rate, it 's primarily due to the conversion of my current 20-year loan to a new 30-year loan. Yes, I would save the {$3000.00} per year for 20 years, and then I would owe an additional {$14000.00} per year for 10 years ( this risk is vaguely mentioned in a very-small-font footnote on the bottom of the back page ). I would basically pay about {$80000.00} more, while Bank of America pockets {$2800.00} in fees and costs. 
Bank of America has complete and full access to all details of my current mortgage and to all details of their proposed refinancing plan. They have the information to accurately and honestly present their refinancing opportunity. Instead they are willfully and intentionally choosing to present the offer in a dishonest and deceptive manner.
Consumer complaint received 2015-04-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

Notarized FHA modification documents XXXX times. XXXX time was with XXXX who came to my house. Stated I would receive a check for {$200.00} in doing so. Now I get another XXXX delivery saying I must do it over again because some documents were not submitted. This is the same reason given each time.
Consumer complaint received 2015-05-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CrossCheck, Inc. (NJ)

Problem : This company has been transfered a debt from XXXX XXXX XXXX who was unable to provide strict proof of contract as requested. Since the could not provide strict proof of contract, they transfered the debt to this company, who also cant provide strict proof of contract because the company before them were unable to. This company XXXX XXXX XXXX XXXX XXXX along with XXXX XXXX XXXX, XXXX Inc, and XXXX XXXX have not provided any documentation the establishes that i entered into a contractual agreement with any of them. None of them have provided strict proof of contract to substantiate there claim. This company is in violation of the PA XXXX rules of XXXX
Consumer complaint received 2024-03-09
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: CBC Companies, Inc. (MD)

Over the pas XXXX years I have discovered that on every occasion where I applied for credit that there was more than XXXX hard hit on all of my credit reports. I believe in the national scoring system, but its the national banks that abuse the inquiry process. There should never be more than XXXX hard hit per application. Therefore, I must submit my complaint through the Consumer Financial Protection Bureau. This attached complaint makes a request not only for the original inquiry, but but all inquiries collectively as a basis of fairness. There should only be XXXX hard hit inquiry per application. DELETE THESE INQUIRIES!!!