davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION (IN)

in XX/XX/2022 Navy Federal has written off the alleged debt of {$15000.00} as a charge-off. A Charge off by law is " the writing off of a debt and termination of collection activity without release of personal liability. '' According to the IRS Publication site Navy Federal are to File a 1099c for any amount over {$600.00} and send the consumer a copy of the filed form. 

Also amount would be now considered income for me the consumer and they must remove this account from my credit report. The CRAs can not report income, the can only report debt. 

I want this matter investigated immediately. 

I will not hesitate to reach out to the IRS and TIGTA to do an investigation.
Consumer complaint received 2020-04-18
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. (CA)

I applied for a loan today XX/XX/2020 and I was not approved due to having three accounts from Dept of ED/XXXX in negative standing appearing on my credit. Those accounts are not mine and I did not allow anyone to open them in my name. I have no idea who is responsible for opening these accounts in my name without my permission but I have already filed a police report as well as a complaint with the CFPB regarding these unauthorized accounts. I did not benefit anything at all from these accounts nor did I ever make any payments towards these accounts.
Consumer complaint received 2020-08-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NC)

On XX/XX/2020 I corresponded to XXXX who is a representative of Flagstar Bank concerning the overcharging on my escrow account, I asked for Flagstar to refigure my escrow due to a large overage in the future, XXXX refused to refigure.
Consumer complaint received 2020-10-07
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (TN)

I have notified Great Lakes multiples times that the account they are reporting on my XXXX  credit file was a result of Identity Theft per the Federal Credit Reporting Act. I mailed them certified letters concerning the issue and asked them to inform XXXX  that this account was a result of Identity Theft. They have failed to do so. I also included a copy of the " Notice to Furnishers of Information '' per the FCRA. I submitted to Great Lakes a copy of my FTC Identity Theft report  and a copy of my police report. This company has failed to remove this Identity Theft account from my XXXX  credit report. Please make sure they adhere.
Consumer complaint received 2016-11-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (NC)

Citibank recently closed an account I have had with them for 5+ years for no valid reason I can ascertain. My payment history and account management has been impeccable. I have never been late on a payment, always paying more than the minimum even completely some months, and stayed within my limits to the best of my ability. I may have gone over by {$10.00} or less once or twice but always made a payment to resolve the balance before the next billing cycle. Now they have sent me a letter stating they are not going to renew my card since it has expired. I do n't know if this violates any consume laws or is just bad policy but I felt the need to report it. Thank you for any advice or insight you can give on this matter.
Consumer complaint received 2021-01-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I submitted an online dispute to Equifax on XX/XX/XXXX. The dispute center said that the dispute should be finished by XX/XX/XXXX. Today is still saying under investigation and it's been 32 days. I called Equifax and they told me that I have to call the creditor.
Consumer complaint received 2020-06-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX complaint XXXX was submitted through CFPB for 1 unauthorized inquiry from XXXX/XXXX  from dates : XX/XX/XXXX, with Transunion. XXXX kindly answered that was going to it off, on the answer to CFPB. The Credit Agency neglect to take the inquiry off, even showing the answer from the Bank, and answer me that the Bank needs to take them off. Please act according to the answer submitted to CFPB, on your previous answer
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (GA)

EQUIFAX Violated My rights as a consumer Equifax violated 15 U.S. Code 1681a - Congressional findings and statement of purpose and 15 U.S. Code 1681a ( 2 ) - Congressional findings and statement of purpose
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (PA)

XXXX says that I am on a income based repayment plan which in my case I have no income which makes my payments $ XXXX.The problem is that they are reporting to the XXXX credit bureaus that I am behind and also add XXXX of dollars in interest on my amount which lowers my credit score drastically.They told me that they report that my loans are on time and that It would help improve my credit but it 's XXXX the total opposite.
Consumer complaint received 2016-12-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (WA)

This loan closed as a short sale with XXXX XXXX XXXX on XXXX/XXXX/16. The file closed, XXXX XXXX XXXX was paid, there was no money owing to them. Then recently the loan was transferred/sold from XXXX to Selene Finance. The loan should not have been transferred. Selene is now contacting the seller requesting payment and have not confirmed that the loan is paid. They are threatening foreclosure too.
Consumer complaint received 2021-10-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NY)

My mortgage loan account XXXX used to be with community loan servicing llc my property address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ny XXXX my social XXXX year of birth XXXX I was approved for a loan modification my first payment would be XXXX due XXXX XXXX with a grace period it was approved by Mr XXXX XXXX title asset manager phone XXXX XXXX XXXX faxXXXX  XXXX XXXX. On XX/XX/2021 I got fed ex agreement I affect the modification. .my complaint is that my loan was sold to a new servicing company called Selence finance their phone number is XXXX XXXX XXXX my new account number is XXXX my name on loan XXXX XXXX XXXX 3 social security number is XXXX and my year of birth XXXX I was advised by my prior lender XXXX  that the new lender selene finance will honor my loan modification. But when I called serene finance at XXXX XXXX XXXX they told me XX/XX/XXXX that my information from XXXX XXXX XXXX  XXXX  is not in their system yet and once it is I have to do modification all over again. I talk to prior lender at XXXX XXXX XXXX XXXX Mr XXXX XXXX that did approved me. At phone XXXX XXXX XXXX. That serene finance has to honor that modification that approved by the investor.
Consumer complaint received 2020-08-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ALLY FINANCIAL INC. (IL)

My car was paid off and I never recieved the title to my car. I have been calling for 6 days and no one seems to know where is the title. I will appreciate if you ask this company to send me my title.
Consumer complaint received 2017-01-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Mid-America Accounts Control Bureau, Inc. (TX)

I was a victim of identity theft and noticed a collection from MID-AMER ACCOUNTS CONTROL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against MID-AMER ACCOUNTS CONTROL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you
Consumer complaint received 2022-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (CA)

This loan was obtained by identity theft. I have filed a police report and sent it to the credit agencies. I also have sent them a sent verification letter through certified mail with proof of receipt. They ignored it and never sent me anything back.
Consumer complaint received 2015-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WA)

In XX/XX/XXXX I was a victim of identity theft. I have submitted police reports and affidavit aas required by Equifax. Their is a tax lien that I do n't recognize and accounts from XXXX that I never opened and were referenced in my affidavit that was mailed and received by them. They acknowledged receipt in XX/XX/XXXX of items received and even put a XXXX year security freeze on my report automatically. I checked my report last month and the items are showing again. Per law they have to notify me if they put the items back on which they did not. I disputed the items and referenced my affidavit and police report which thye have XXXX file and they refuse to block them. This is now damaging me credit wise. XXXX and XXXX both researched and blocked the items due to the ID theft.
Consumer complaint received 2022-08-05
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. (IL)

In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. 


Account Name : DEPTEDXXXX Account # XXXX. 


Account Name : DEPTEDXXXX Account # XXXX. 


Account Name : DEPTEDXXXX Account # XXXX. 

Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX Account Name XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) Account # XXXX 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.
Consumer complaint received 2017-01-06
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY (SC)

My wife and I opened a fixed rate Home Equity Loan about 5 years ago. When we opened the account, the two most important terms were clearly confirmed for us, which were ( 1 ) there would be no pre-payment penalty, and ( 2 ) all overpayment provisions would go towards the principal. We have made several overpayments on this loan since it was opened in varying amounts. In XXXX 2016, we made large overpayments. We then received a letter saying, " We want to make sure your money is going where you want it ... '' Later saying, " Right now we are applying your extra dollars to the next scheduled payment. According to our records, you have made loan payments in excess of the required payment amount. Each time you include additional funds in your loan payment, it is our policy to apply the over the payment amount due to the next scheduled payment. This often results in the status of your loan to be considered 'paid ahead '. Please know that we have reversed the payment dated XXXX/XXXX/16 in the amount of {$1000.00} and reapplied it to principal, making the next due XXXX/XXXX/16. If this is not what you intended, please contact us '' I called them and told them the following : First of all, we ALWAYS intended for the additional funds to be applied to the principal and this was clear when we opened the loan. Second, why are we getting a letter telling us what your policy is and then you are changing the policy without any request from us? 
I made this call three times over about a 2 month period. In each of the calls, I spent approximately a half hour on hold and the customer service person could not answer my questions. Each time, I requested that they figure it out and have someone call me back to explain. They have never called me back. 
I have reviewed some of my recent statements and they make absolutely no sense in how they have applied payments to interest and principal.
Consumer complaint received 2017-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

Equifax is reinserting previously deleted items to my credit file such as a judgement after it 's been deleted as well as other accounts. I also have a split file where XXXX different reports are being provided. This has been confirmed through separate lenders having seen different reports on XXXX separate pulls. They refuse to acknowledge that split files are possible or that I have one even though lenders are seeing it.
Consumer complaint received 2017-01-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY (LA)

This payment is set up to auto pay by my credit union electronically, ( from day one ). I had to move the payment date back 2x because Yard Card receives the payment but does not post on time. This month, my credit union paid them XXXX on XX/XX/2017 with guaranteed electronic delivery of XX/XX/2017. As of today Yard Card claims they have not received and has levied a late fee. It seems no matter how early I pay it still gets held until a fee is charged. When I googled them I see that this is a common practice with them.
Consumer complaint received 2016-04-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (ME)

I am contacting you for my son who is XXXX. His girlfriend did his taxes and placed her checking account number for deposit. In the meantime she overdrew her checking account and did not pay the fees. She tried to close the account but the bank would not let her until the fees were paid. Meanwhile they charged the account daily. My son 's name is not on this bank account. The bank took all of my son 's tax return in the amount of {$1000.00}. and will most likely take his state tax return as more money is owed on the account. The bank in TD Banknorth in XXXX, XXXX. My son 's name is XXXX XXXX XXXX/XXXX/XXXX, SS. # XXXX. The other account belongs to XXXX XXXX DOB XXXX/XXXX/XXXX. XXXX and XXXX are not married. I am concerned as I do not feel that XXXX should have to pay XXXX 's bank fees with his tax money.The bank told him to contact the IRS and the IRS did not seem to be able to help. My name is XXXX XXXX DOB XXXX/XXXX/XXXX. SS XXXX. I can be reached at XXXX.
Consumer complaint received 2016-10-25
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

Citibank, even though certified my XXXX status, knowing I am non-taxable person, still violate the law to charge me tax. I report to phone customer service and they stated I have to work out with banker in branch. I asked to banker, he did see I am certified and he did submit the request for me, and the case just closed and none of them give me reason of violation, yet they do not return the un-existing tax at all. In addition, I join their checking promo while I open the account, I finished the requirement, and I do not get what they listed " offer " there. I feel frustrated about Citi work.
Consumer complaint received 2020-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I reached out to the bureaus explained to them by law the had to ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles. 
I was a victim of identity theft since XXXX I tried to get them to do their job .I sent in ftcs, asked them to investigate the accounts and blocked them the refused too, they have addresses that don't belong to me on my report, jobs, names and etc .I sent the companies letters too over the course of 2-4 months with no reply. ive called spoke to reps asked them to please fix this, I got sick with virus so I stopped for a lil while than my grandmother died due to the virus and I couldn't even get a loan to help cover the funeral expenses because the bureaus refuse to do their job.I explained to them how things happened In my life that could've lead to this, I put it in ftc report like I was told to do by someone when I called, I was robbed walking home from work some time ago, I had all my personal items in there I didn't know I was supposed to check my credit I pulled my credit to get a loan to bury my dad that's when I learned of a these fraud accounts on my credit report .I didn't open these accounts or give anyone permission too .i explained that one of my first cousins and I have the same name I haven't seen her in years and we both stayed at the family house we grew up together in .they had a person name XXXX XXXX and all type of bad information on my credit profile .I asked for them to send me what they have from companies saying these accounts are mine because theyre not. please help me /.I am in a crisis lost my job, lost my grandmother and these people have me on the edge I will be looking into getting an attorney to sue I am emotionally distressed this is wrong .XXXX  is the worst they don't even budge to try to follow the law.can u please have them send me what they used to determine these accounts was mine because their lying their fraudulent this has cost me so much stress
Consumer complaint received 2017-04-18
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ALLY FINANCIAL INC. (OH)

I have received countless calls from  XXXX   XXXX   XXXX  for a name ( ca n't understand them maybe its  XXXX ? or something like that ) that I am not related do not care who ever it is. I have tried disconnecting my answering machine, returning their call to an ext. that NO would help me. Answering the call several times telling them that person is not me and telling them to quit harassing me. I would like to file harassment charges as this has been almost a year and several times per day. Now they found my cell number and home numb er I AM  FURIOUS CAN YOU PLEASE HELP STOP THIS HARASSMENT
Consumer complaint received 2016-02-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

XXXX has recently authorized a credit pull without my approval and the negative mark is on my credit report. On XXXX XXXX, 2015 I asked a question and never received a response. Yet, before answering my question, pulled my credit. Please see information attached below.
Consumer complaint received 2020-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TN)

close my account with no explanation Frozen one of my accounts with no explanation I've had checks bounced I've had my car almost repoed my kids have set and with no electricity for hours in a hot house cuz I can't pay my bills they have told me story after story my account was closed because of this then my account was closed because of that and that my account was never closed for any reason at all.now the baby should be a check a month later after he crying and screaming and begging the ticket stolen now they won't pay me my money they're saying it was cashed when it wasn't or if it was it won't tell me who did it it's craziness
Consumer complaint received 2016-12-14
Product: Credit card — 
Issue: Credit determination — 
Company: TD BANK US HOLDING COMPANY (IL)

I had applied for Target credit card. I had a hard credit hit on my credit report, but I received a mail from Target saying that ' they had to stop processing my application because they could n't verify my identity '. This is not acceptable as they could pull my credit report and not able to verify my identity. This happened twice. I had XXXX hard credit inquiries and no positive response.
Consumer complaint received 2016-11-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (MS)

I just received a call at my office from Synchrony Bank in an attempt to collect a debt from a XXXX ( I am guessing at spelling of name. We get these calls all the time at our home and now I am getting them at my office and no matter what we tell them we continue to get called. My wife and I have been married 21 years and have had the home number of ( XXXX ) XXXX for that entire time. I have had the office number of ( XXXX ) XXXX for at least 5 years and there is no way these numbers ever belonged to XXXX XXXX. Getting the calls at my home is annoying enough. Now we are getting them at my office!!!!! 

XXXX of the collectors indicated the debtor had used our phone number. This is not true, they were phishing in an attempt to collect the debt and have harassed us every since.