davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC (TX)

I did a home refinance in XXXX of XXXX, I lost my job in XXXX of XXXX. We tried to keep up with the payments but couldn't. Tried numerous times to get help or s modification but kept getting the run around and never received any halo at all. They over qualified me for this loan to begin with now they filed foreclosure in XXXX and it was at that time we noticed there were forged documents in the closing documents. Nobody would listen so we have been fighting foreclosure since XXXX. The servicer won foreclosure in XXXX of this year XXXX. They said there was a sale on XX/XX/XXXX, which we were not notified of and the same lender is now the owner, doesn't sound right to me. We don't want to loose our home but this needs to be corrected somehow since it is illegal.
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (CA)

XXXX XXXX/Loan Care regarding FHA home loan has been misapplied my monthly payments to " suspense account '' instead of " regular payments '', which we tried very hard to do regular payments despite of financial hardship due to COVID. 

1.Paid XXXX, {$3300.00} was placed in suspense acct, reflected 30 days late 2.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 3.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 4.Paid XXXXXXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 5.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 6.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 7.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 8.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 9.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 10.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 11.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 12.Paid XXXX, payment for XX/XX/2020 {$3400.00} was placed in suspense acct, reflected 30 days late 13.Paid XXXX, XXXX was placed in suspense acct, reflected 30 days late 14.Paid XXXX, XXXX was placed in suspense acct, reflected 30 days late 15.Paid XXXX, XXXX was placed in suspense acct, reflected 30 days late 16.Paid XXXX, payment for XX/XX/2020 {$3500.00} was placed in suspense acct, reflected 30 days late 17.Paid XXXX, {$3500.00} was placed in suspense acct, reflected 30 days late 18.Paid XXXX, {$3400.00} was placed in suspense acct, reflected 30 days late 19.Paid XXXX, {$3500.00} was placed in suspense acct, reflected 30 days late 20.Paid XXXX, {$3400.00} was placed in suspense acct, reflected 30 days late 21.Paid XXXX, {$3400.00} was placed in suspense acct, reflected 30 days late 22.Paid XXXX, {$3500.00} was placed in suspense acct, reflected 30 days late 23.Paid XXXXXXXX, {$3400.00} was placed in suspense acct, reflected 30 days late 24.Paid XXXX, {$3400.00} was placed in suspense acct, reflected 30 days late
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2022-10-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

A J.P. Morgan Chase bank employee took my check in the amount of {$3900.00} that was a return of a good faith rental security check thar had been returned to me by an unethical con person. As a XXXX XXXX XXXX XXXX American, the Chase Bank employee wrongly assumed that I did not know how how to use an ATM machine and she processed the check after taking the check and my ATM card out of my possession. I her prevented from seeing my confidential PIN number deposited to my check but later that day I received a " secure Message '' on my computer stating that due to an ATM error, {$3500.00} was debited from my savings account and I only received $ XXXXThis teller violated bank policy by intervening processing my check even though I was headed to to the teller window. I returned home and saw thar {$3900.00} had been processed and later thar day, Chase Bank took {$3500.00} from my savings account. It was explained to me that the Chase would only credit me withm {$390.00} because the number of the check was {$3900.00} but the handwritten check portion was written out as {$390.00}. After many conversations with several Chase Bank employees in which I explained that the con artist would not return the balance owned and their policy was illogical, faulty and an exception should be made in this case ( as Chase was facilitating a bank fraud/scam ), the bank manager, XXXX XXXX XXXX XXXX XXXX ) of XXXX XXXX XXXX, XXXX, XXXX XXXX told me that Chase would pay me the {$3500.00} and I would receive a check in that amount from Chase Bank XXXX On XXXX, He said the Chase Bank said no and would not repay me, a XXXX retired XXXX American female on a restricted budget. who needs that money to live! That is detrimental reliance and Chase Bank has to make good their promise to pay me ASAP, Help me solve this tragedy! I am the victim of this scam, con and unkept promises by Chase Bank!
Consumer complaint received 2020-05-05
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: Onity Group Inc. (NC)

To whom it may concern, We are with this mortgage company called PHH. We have never been late In all of years with them and even ever before that. Back in XX/XX/2019, they had a computer error that automatically drafted our account {$74000.00} instead of our {$1200.00} regular monthly mortgage. They took ownership and it took about the whole month to straighten it out with their posting and our bank. We made the payment XX/XX/2019. 
We never missed a payment and now we are relocating and having to pre qualify for a new home. We cant cause PHH posted that we paid the month of XX/XX/2019 wrong. They posted we didnt make a payment and a double payment in XX/XX/2019. All 3 credit bureaus show it and we cant qualify. 
This whole thing was due to their error. I have been on the phone countless hours last week and today. They say they didnt report wrong and wont fix it. The credit bureaus say that is the information that they received. We dont have a lot of time with the virus and our home being for sale. This is a big burden on our family. PHH should not be allowed to make an error like that and not be beholding to fix it. They have countless lies on lies to us stating they will fix it all to not doing what they say. Again, what else are they covering and PHH should not be able to XXXX our account up on their error and mess up our credit at the bureaus. How professional is that? Please help. We have pleaded with the time and they say it will take 30 days and give us all these excuses and different stories. Its very unprofessional. I feel we have been terrible represented by a lender. 

XXXX and XXXX XXXX XXXX Sent from my XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2021-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

National Credit Adjusters sent me a document in the mail claiming that i owe a debt. Not only do I not know what debt they are referring to, or what it is for, they have violated my rights as a consumer Pursuant to the FDCPA, specially 15 USC 1692g it states within 5 days after the initial communication with a consumer in connection of any debt, a debt collector SHALL, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing- ( 1 ) the amount of the debt ; ( 2 ) the name to whom the debt is owed ( 3 ) a statement that unless the consumer, within 30 days after receipt of the notice, dispute the validity of the debt, or any portion thereof, the debt, or any portion of the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt collector will obtain verifications of the debt and ( 5 ) a statement that, upon the consumers request within the thirty-day period the debt collector provide the consumer with the name and address of the original creditor, if different from the current creditor National Credit Adjusters has failed to provide 3-5, and therefore, is in violation of the law. Not only did they not include it in the initial communication, they failed to provide it within the 5 days. National Credit Adjusters also back dated their letter it states the typed on XX/XX/2021 when the certified green card receipts is dated for XX/XX/XXXX with signature of when they received it. Attached is the communication I received from them. On the Alleged Debts thank you
Consumer complaint received 2023-04-08
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)

XXXX XXXX XXXX. is a 3rd party collection agency for medical bills or shall I say physician bills that are unpaid due to either a lapse of insurance or no insurance. I am a Medi-cal beneficiary and was shown to have been covered by my provider which they had already confirmed they had the information for. This predatory form of balance billing has been detrimental to my not only my credit score but it has damaged my credit profile and has altered my life in a very negative way. This defamation of character promotes the idea to lenders that I am a irresponsible borrower and not worthy for accounts or services that I've applied for.

This clearly being some sort of error I spoke with both companies on recorded conversations. I provided both experian ans XXXX XXXX  with all the necessary information to conduct a thorough investigation to the facts. In my dispute neither of the companies conducted any type of investigation and they simply just updated my credit file as verified and accurate. 

I was even able to get both representatives of the company on the phone with each other in a conference call and they continue to be reluctant to remove it from my report. 
It feel like they are being very discriminative in their approach to remove it from my report and are attempting to punish me for speaking up and pointing out there error and violations of federal law by reporting inaccurate information on purpose out of spite. 

I've asked very kindly for them to correct this information immediately and they still after XXXX XXXX today admitted that they made a mistake and this was duplicate billing and that it was their mistake. I was still advised it could take another 2 months before it can be corrected. 

I spoke with XXXX in the company of also XXXX XXXX on XX/XX/2022 who were said to be supervisors as they confessed and confirmed the mistake on their behalf. I was advised that the conversation was monitored and recorded for the purposes of still collecting a debt that I did not owe. 

Please assist me with this account and prevent this company and Experian from further damaging my credit and preventing me access to fair credit reporting information. 

Thanks
Consumer complaint received 2022-09-24
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. (CA)

I know that Under 15 U.S. Code 168li ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ). promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-06-28
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. (TX)

Account : XXXX I am writing to bring to your attention a serious matter regarding the debt collection company, XXXX XXXX XXXX  and their violation of the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m. I kindly request your assistance in addressing this violation and ensuring the prompt removal of the negative account they have reported on my credit report. 

Upon reviewing my credit report, I discovered that XXXX XXXX XXXX  has reported a negative account that is not mine. This inclusion of an erroneous account on my credit report is not only misleading but also has severe implications for my financial well-being. Despite my repeated attempts to rectify this issue directly with XXXX XXXX XXXX they have disregarded my requests and have failed to take any appropriate action. 

I firmly believe that XXXX XXXX XXXXXXXX XXXX actions constitute a clear violation of FACTA, which mandates accurate and fair credit reporting practices. Their failure to comply with the provisions outlined in the Act not only harms my financial reputation but also undermines the integrity of the credit reporting system. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into XXXX XXXX XXXX XXXX violation of FACTA. I urge you to take appropriate action to ensure their compliance with the regulations and to promptly remove the negative account from my credit report. Additionally, I believe it is essential to hold XXXX XXXX XXXX accountable for their non-compliance and to enforce the necessary penalties or corrective measures. 

Enclosed with this letter, please find copies of relevant documentation, including my credit report highlighting the disputed account, as well as any supporting evidence that clearly demonstrates the lack of association between me and the reported account. I trust that this information will aid in your investigation and contribute to the resolution of this issue. 

I greatly appreciate your attention to this matter. It is my sincere hope that the Consumer Financial Protection Bureau will act swiftly to address this violation, restore the accuracy of my credit report, and ensure the protection of consumers ' rights. I look forward to your assistance in resolving this dispute. 

Thank you for your time and consideration. Please do not hesitate to contact me if any further information or documentation is required.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

My husband, XXXX XXXX XXXX and I have a joint credit card with Capital One and have for almost 10 years. My husband is primary holder and I am authorized user.

For the past two weeks I have had to call and cancel my credit card for fraudulent charges. I am now on my fourth card and I have to cancel it yet again.

Two weeks ago, we began seeing several charges in the name of " XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ''. these charges varied between {$.00}, {$1.00} or {$3.00}. As of today, XX/XX/20, I have over 100 of  these charges on our account. I have been able to research that these transactions are through either XXXX XXXX and/or XXXX XXXX, both of which I do not have and have never had. We have XXXX phones and do not even use XXXX. While I do have a XXXX personal email account, I have confirmed on my XXXX account that there NO cards linked to my account. 

My issue : Each time we have called to dispute and stop these from reoccurring, we receive the run around and that it is OUR fault this is happening and there is nothing they can do. Yes, the disputes are resolved and charges are reversed and I receive a new card. But upon IMMEDIATELY activating the new card, these charges start again!

The last two times I have called within the past week, I have specifically asked to be REMOVED from the Visa auto updater feature as I know this is how it is happening. I know that the card issuer can control my card information being fed through the auto updater for any merchant that also participates. I am told that they are not able to do this and that I have to stop it with the merchant. I don't know what merchant is doing this! I am then told that I can go online and see which merchants have my card for automatic payments, this shows nothing! this past Friday night I called AGAIN for pending transactions trying to come through and I was told that they WON'T hit my account because they are trying to come through on my previous card and to not worry. Well, as of XX/XX/20, those charges went through! and today, XX/XX/20, I have 20 more transactions even though I locked my card! yesterday, XX/XX/20, I called again and asked to speak with a supervisor. after the run around I demanded that my request to be removed from the VIsa auto updater be honored as I know they control this based on Visa 's website ( and I work in regulatory banking ) or I am filing a complaint with the CFPB. the supervisor said that she would submit my request and it would take 10-15 business days. this is unacceptable to take this long! and I was told she blocked the merchant so the charges wont hit. well they still did!
Consumer complaint received 2022-06-23
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

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 2022-10-20
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. (FL)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-05-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCE CORPORATION (FL)

I had contacted One main XXXX Fl in XXXX due to the effects of the covid 19. I unfortunately suffered a set back as my company released me due to the pandemic. I asked them to take me off of direct pay because i had no income and could not afford to make the payments on the two loans i have on the dates they were scheduled to be drafted. They directed me to thier website where i was able to do it myself. They then called me every couple of days to check on thier payments and i explained to them that i am working on trying to gain reemployment but its very hard at this time. I struggled and found a way to make both of XXXX payments late, the last one being  around the XXXX. On XX/XX/XXXX without authorization they drafted XXXX dollars out of my account that was unenrolled in direct pay and sent me into negative with bank fees making my position worse. They claim they were here to help during these trying times but in all reality, they could care less because they will not refund any of the unauthorized money they illegally took from my account.
Consumer complaint received 2021-09-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (NC)

Our Family lived at the The XXXX  XXXX  XXXX in XXXX NC located at XXXX XXXX XXXX, XXXX, NC XXXX, P : XXXX, XXXX. We lived there for 2 years and 3 months. Upon move out on XX/XX/XXXX they tried to create an invalid debt. They manufactured charges and would not provide proof. They then sent the debt to a collection agency a few days after we moved out. No Validation of Debt letter was sent. The collection agency, Hunter Warfield, XXXX, continually called and did not provide a validation of debt or allow us to dispute. We called the Apartment Management to dispute and they agreed the fees were in error. We requested validation of the debt and they declined to provide. They said the letter was sent but couldn't provide me a copy or an email version. I asked for proof of the charges, documentation for their claim. They declined to provide. 

I am able to provide complete photos of the apartment timed stamped on move out day as well as video showing the apartment was in great condition.