davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (MD)

I am currently in the process of buying a house in doing so I order my XXXX bureau credit report history and found that there are a verity of delinquent accounts and inaccuracies across all XXXX credit bureaus that is causing my score to fluctuate significantly and prevent me from being able to get a loan for a house. According to the Fair Credit Act 15 U.S.C1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX  ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
According to this law there should not be any damages on my report it is considered to be a deformation to my character.
Consumer complaint received 2021-01-16
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: One Technologies, LP (TX)

I received a Phishing email stating that my credit scores have changed from XXXX XXXX phony email If you are unable to see the message below, use this link view. 

XXXX XXXX XXXX What's your XXXX  Credit Score? 

Get Your 3 Credit Scores in 3 Easy Steps!

Get Started Today!

1 Click Click on Your Scores Now.

2 Complete Fill out the simple form.

3 View See your 3 Credit Scores Instantly. 


YOUR SCORES - XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX, Texas XXXX I looked up the address on the internet and this is what I found from someone. 
One Technologies XXXX XXXX XXXX XXXX XXXX, TX Computers ... 
XXXX XXXX XXXX-XXXX Get directions, reviews and information for One Technologies in XXXX, TX. ... XXXX XXXX XXXX XXXX, XXXX, TX XXXX ... This company owns XXXX and took over XXXX from my account over a 2 year period WITHOUT my permission and ... 
Here are some more notaions from other people being abused by this company One Technologies in XXXX. 
XXXXPrevious review This company owns XXXX and took over XXXX from my account over a 2 year period WITHOUT my permission and now are refusing to give it back!!! There reasoning for the denial of refund is : Refund was requested after billing date.!!!!!! 
You reallllly want to see me in court??? A single mother, XXXX XXXX XXXX with XXXX XXXX XXXX and XXXX! I never solicited your services and only wanted a refund but now I'm feeling harassed and my XXXX XXXX is through the roof. Guess I have no choice but to take legal action against this multi million dollar company that has recently lost a class action law suit for the exact same thing! 
This was so senseless XXXX  XXXX XXXX Read more Photo of XXXX XXXX. 
XXXX XXXX. 
XXXX, FL XXXX XXXX XXXX XX/XX/XXXX This company owns XXXX and they are a total rip off. Was charging my account {$40.00} a month and finally tried to dispute it. Had to go to visa
Consumer complaint received 2022-06-03
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I have own my house for 9 years. I never missed 1 payment. I originally was paying my mortgage with XXXX, then it got transfer to Carrington Mortgage. I have always had automatic payments. I change the payments every 2 weeks in their portal to save money in interest. the payments were taking out. then they contact me a month later that my payment was past due. I told them that I was not because I set it up every two weeks. 
even thought they took the payments they did not apply them as a regular payment. 
They told me that they don't allow to split the payments every 2 weeks instead of 1 once a month. we had that taking care of I asked the lady who I spoke with on the phone to make sure don't report as a late payment. That was something I didn't know I could not make the payments every 2 weeks. I have submitted several bureau disputes, I have fax them a letter and they still will not remove that late payment. I have proof from their own transaction history as well as the month statement that I was not late. 

they are also charging me a curtailment fee of {$200.00} per month. I don't know what is that for.
Consumer complaint received 2022-09-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MO)

I called and talked with Firstmark customer service a few weeks ago about military benefits ( Servicemembers Civil Relief Act ). I told customer service that I received an e-mail that stated, " XXXX XXXX is not indicated in orders. Please provide your most recent XXXX XXXX orders for secondary review ''. I explained the situation and told them where they could look for the words XXXX XXXX on my orders. I ended up getting put on hold several times for the duration of an hour. Every time I was put on hold there was a different explanation. I was told that I had to be current XXXX XXXX, but when you look at the website it states, " If you are currently serving or have served on XXXX XXXX ''. Then I eventually got hung up on. I called back and talked, to another customer service rep and was told to resend my orders and highlight the part that says XXXX XXXX. I sent my highlighted orders and a screenshot of their website. Its been over a week and still no response. On XX/XX/12, I called Firstmark Services to follow up on what was going on with the response to my Servicemembers Civil Relief Act, and was told that I had to be currently on XXXX XXXX, which is not what their website says.
Consumer complaint received 2020-09-15
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. (GA)

The company is reporting information on my report without properly verifying. I kindly ask that they use the guidelines of the 609 section in fcra and they failed to do so I also did not receive any documentation that show that the information is actually what it is. The company did not send me the information they used to make the items i disputed mine. They are required to have that information on hand and provide it as proof when I ask for it, exercising my writes using section 609 of the FCRA.
Consumer complaint received 2022-06-03
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Receivables Performance Management, LLC (NY)

I am XXXXXXXX XXXX XXXXXXXX and am submitting this complaint myself with no third party. I, XXXXXXXX XXXX XXXXXXXX, consumer, sentient sovereign and original creditor of an account using my open-end credit plan. The following United States Codes Receivables Performance Management LLC doing business as RPM has not abided by : 1 ) 15 USC 1602g : XX/XX/XXXX, Receivables Performance Management LLC doing business as RPM claims XXXX XXXX doing business as XXXX XXXX was the original creditor and they are the current creditor, 2 ) 15 USC 1692e : XX/XX/XXXX, Receivables Performance Management LLC doing business as RPM claims XXXX XXXX doing business as XXXX XXXX was the original creditor and they are the current creditor, 3 ) 18 USC 1961 racketeering and extortion through interstate commerce, 4 ) 15 USC 1692j : deceptive forms creating a false belief of debt owed when all debt are obligations of the United States per 18 USC 8. I was notified of this transgression of my rights specifically 15 USC 1601- the Truth in Lending Act by Receivables Performance Management LLC doing business as RPM on XX/XX/XXXX and XX/XX/XXXX via US mail. According to 15 USC 1602 definitions of the Truth in Lending Act, I, as a natural sentient possessing an open-end credit plan was harmed by XXXX XXXX doing business as XXXX XXXX XXXX action was taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00} per occurrence per offence. XXXX XXXX doing business as XXXX XXXX and Receivables Performance Management LLC doing business as RPM is now civilly liable to pay me for the damages.
Consumer complaint received 2020-12-04
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Net Pay Advance, Inc. (TX)

Netpay advance customer service has called me trying to collect a debt that was not due and has drafted and given out my information to third party companys without my agreement or consent. I was contacted today and had to record the debt collector at XXXXXX/XX/XXXXXX/XX/2020 from them trying to illegally collect money and try to draft my checking account that I have a case report for XXXX this month and Netpay Advance had to refund me after they drafted a full loan pay off not agreed to and I filed this complaint after their company workers have called me to scam and illegal draft again explaining that I am past due and broke payment arrangement. I am attaching proof that this company need to be reported for harassment after asking for my identity information decided to pretend that their was never any arrangement and I have proof if they reply to the stated one explain that was changed after a collection employee with Netpay tried to charge unaffordable amount due monthly and their Supervisor lowered the payment due on XXXX that XXXX tried to scam me into paying when I am being harassed to pay his agreement and it was changed from over XXXX dollars due and I have proof when the Netpay Advance accuse me of not having the agreement changed proof. The calls were blackmailing and harassing and I have proof that this company should be sued and my account be credited for their threatening debt calls to collect from consumers with their false accusations to collect and their demanding when the account is not past due and the consumer not due to be contacted.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (AZ)

Navient holds 8 students loans of mine, and I have been in deferment since day one due to income. However they have all eight accounts showing extremely late like 120 days and I've never even had a payment agreement to be late on. I've written them several times with no changes and no reply. I've left my number, email, address and I've gotten nothing. I called once but the person didn't make any sense so I wrote in to have proof of correspondence. The person I spoke with ( XXXX ) stated she doesn't know anything about credit reporting and that I should call back in the early morning because managers are there at that hour. Like I said ; it didn't make much sense to me so I wrote in. I've also been disputing it with all three credit bureaus and I'm going on month ther three with no response or change. This is creating a huge drop in my credit score and creating problems with even being able to rent a home. Because my score drops so significantly because it's 8 different loans so they hit me 8 times. I really need this taken care of. Any help would be greatly appreciated. 

Thank you so much!
Consumer complaint received 2022-06-12
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: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX SS # XXXX XXXX : XX/XX/1972 Contact # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. THIS IS MY 2ND REQUEST... 
XXXX : Creditor : 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 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 XXXXXXXX
Consumer complaint received 2019-11-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BB&T CORPORATION (TX)

Please help me save my home! 
I received a letter from the attorney foreclosure firm threatening foreclosure. 
I have tried to work with my mortgage company for several months to no avail. 
My mortgage company has refused to accept any amount and is returning all funds. 
I have not been offered any type of Loss Mitigation assistance! 
I have over {$11000.00} and my mortgage company refuses to work with me on an arrangement. 
Due to an accident and my inability to work, I fell behind on my mortgage. 
Please help me save my home!
Consumer complaint received 2023-06-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NM)

Please see the two pdf attachments. Experian claims that I'm not making my own disputes, so they won't investigate my dispute. I am indeed making my own disputes and am really tired of Experian making this false claim. I have asked three times for a dispute to be investigated, and three times Experian has stated that they will not investigate my disputes. Therefore, I demand that Experian remove all disputed information from my credit report via the FCRA. 

I have sent them copies of my lease, driver 's license, SS card and utility bills as part of my disputes, but they falsely claim that I haven't. 

Thank you
Consumer complaint received 2023-10-26
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. (CA)

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I am the person making this complaint & I give CFPB authority to investigate this claim. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 

Below are the errors I have identified : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2022-06-03
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. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the accounts in 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
Consumer complaint received 2022-06-03
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. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the accounts in my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-12
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: ALLY FINANCIAL INC. (NY)

It it is extremely troubling that a institution that is handling millions of people 's personal information, not to mention their money would be extremely negligent and irresponsible and allow a person to walk into their establishment with a check that isn't issued to them. How can you allow a person, in this case, XXXX XXXX to endorsed and deposit a check that was issued to me. Obviously, the names and address aren't the same! This is a gross injustice and Ally Bank must answer for this breach of trust and their failure to completely scrutinized this transaction by this thief, before allowing him to deposited a check that isn't his, especially without any proper identification. What type of legit financial institution would allow this to happen and instead of taking responsibility for their failure to check the credential of individuals depositing, or taking out money from their establishment?. 
In addition, it is extremely frustrating that the IRS, who are supposed to have their own investigators failed to, or neglected to take this matter seriously. In fact, I did the job that the IRS investigative team should have done, but failed to do. as I XXXX the name of the bank that was on the photocopy check that the IRS sent me. I was told by various supervisors and representative at Ally Bank that this thief XXXX XXXX was a customer. After many more correspondences with member of Ally Bank 's Lost Prevention Department, they apologized to me for their egregious error. In addition, they told me that they closed XXXX XXXX 's account, once they relied it was a case of identity theft. However, they told me that I can not do anymore on my own because I am not a customer, instead the IRS must contact them, in order to retract the money that XXXX XXXX illegally deposited and they irresponsibly allowed. The IRS decided to deny me the {$9600.00} refund that I am owed, instead they took out {$6.00}, XXXX from the check that was stolen by XXXX XXXX and deposited into his account at Ally Bank. I am being held responsible for the crime that XXXX XXXX committed against me and the gross negligent by Ally Bank in allowing him to endorsed a check that wasn't addressed to him. I was only refunded {$3.00}, XXXX. This isn't right and I implore the IRS to do the right thing and give me the money that I am rightfully owed. I look forward to hearing from you soon and receiving my entire refund check. I would like to thank you for your time and cooperation!
Consumer complaint received 2020-12-04
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOHELA (IL)

Dear US Dept Of Edu and Mohela : Thank you for sending me your internal records of the debt ( US DEPT OF EDU ) Account # XXXX ( MOHELA ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE CREDIT BUREAUS including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Consumer complaint received 2022-06-12
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: EQUIFAX, INC. (AZ)

In accordance with the fair Credit Reporting act XXXX Account XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, has violated my rights.15U.S.C.1681 section 602 A. state I have the right to privacy. 15U.S.C 1681 section 604 A Section2 ; it also states a consumer reporting agency can not furnish a account without my written instructions.