davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

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. 
XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # : XXXX XXXX XXXX XXXXAccount # XXXX XXXX XXXX Account # XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # : XXXX 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 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 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 2023-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

My servicer is Mohela. I registered my Federal student loan of approximately {$280000.00} under the SAVE plan prior to the first payment due in XX/XX/2023 of {$1000.00}. I enrolled in AutoDebit, entered my bank account information and saved it on Mohela 's portal, and received confirmation that the first AutoDebit would be taken on XX/XX/2023. But it was never taken, and I received no notice of this error until much later, when I was notified that a payment was late. 

I made a manual payment from my saved bank account, which cleared on XX/XX/2023. I called Mohela on XX/XX/2023 to inquire about this issue. By that time, interest of {$2000.00} was showing on my account. After nearly 2 hours on the phone, I was offered the following resolutions : ( 1 ) retroactive forbearance for XX/XX/2023 would be placed on my account, ( 2 ) my manual payment in XX/XX/2023 would be refunded, since it would be covered under the time period of the forbearance, ( 3 ) I would be sent a document to my email about my payment and loan history to account for the {$2000.00} interest which Mohela claims accumulated prior to XX/XX/2023, ( 4 ) my payment and auto-debit would be taken XX/XX/2023 as scheduled. 

None of these items have been done. I received confirmations of auto-debit from my bank account ( whose information is correct, as it was able to be used to make a manual payment ), and when I checked my account on XX/XX/2023 it even said the payment was processing. However, a delinquent notice was sent to me on XX/XX/2023, and there was no record of my XX/XX/2023 payment. Checking my account on XX/XX/2023, Mohela states that I have {$1000.00} due for next payment, {$2100.00} past due, for a total due of {$3200.00}. This does not make sense, especially as I made a manual payment that they have not refunded as promised. This entire issue has been a nightmare! 

The consequences of Mohela 's errors are multiple. I might lose credit for PSLF. I will have thousands of dollars in undeserved interest. And if my income is higher in the future, they will collect extra higher-income-based payments from me instead of counting the earlier ones. Larger payments than those required under the SAVE plan would not be applied to as much principal as interest. This is a complete scam, and their response time is unacceptable! There are families and lives on the line here!
Consumer complaint received 2022-05-19
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: Reliable Credit Association, Inc. (OR)

my wife and i had a account with reliable credit and then filed bankruptcy. we did a reaffirmination aggreement with the court to keep the car but the judge i guess didnt sign off on it correctly. we kept the car and continued making payments of almost {$500.00} each month and were never late. the amount was proccessed by reliable yet was not getting reported to credit. i contacted them several times yet they refused to help. since then we traded that van in and reliable was sent a payoff for over XXXX dollars. they took payment and even sent us a refund check for {$9.00} for over payment. problem is it says on credit included in XXXX  i just want this to reflect a payoff rather than a written off in XXXX  on credit for the wife and i.
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (CA)

Today on XXXX XXXX I spoke with a Supervisor of the name of XXXX # XXXX. I explained to XXXX of an offer around the XXXX Holiday. When approved of new credit line of credit, a XXXX credit will be added to your bill. XXXX refused to stand by the offer an said he can only do XXXX credit only because that was the only offer they have current now. I told him I couldnt settle for that. I was promised XXXX credit around the XXXX holiday. I than spoke with XXXX Comenity Bank Care, she said they never offer XXXX credit it has always been XXXX there nothing she can do. I told XXXX am not here to Argue, please do what right an credit XXXX for opening a new account. I put my credit score on the line Believing that I would be getting a {$25.00} credit. I then asked the agent to please give me a Victorias Secret corporate office so I can get the issue resolved and I was giving the wrong number I am very disappointment and when this is all over please close my account. The experience I receive with this company was bad and I was made to believe that I was lying and trying to cheat the company out of {$25.00}
Consumer complaint received 2023-03-27
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: Experian Information Solutions Inc. (KS)

I disputed fraudulent information appearing on my credit reports multiple times with Experian and they sent me letters stating they will not investigate. 

The fraudulent information is : XXXX {$2800.00} and XXXX XXXX XXXX  {$6000.00} I disputed fraudulent information appearing on my credit reports multiple times with XXXX and they sent me letters stating they will not investigate. 

I have included a copy of my identity theft report.
Consumer complaint received 2021-02-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

So I disputed a public record with experian they verified this said XXXX  was source I disputed with XXXX XXXX  they deleted and sent a update & disputed with them on on XX/XX/XXXX and they never responded and they also said they needed to verify my info to complete dispute on XX/XX/XXXX. Then they sent email saying they verified with XXXX XXXX and that was on the XXXX of XXXX and I just confirmed with XXXX XXXX that experian never investigated a second time or third time so or did they respond to there dispute or update on the file. This is causing me major financial amd credit issues and I am hiring a lawyer if this is not resolved they are violating FCRA laws and its really not ok .... 

This was my last dispute I disputed with Experian and they verified it after investigation and said the source was XXXX XXXX So i went to XXXX XXXX disputed and they deleted the inaccurate bankruptcy and said i would have to contact the bureaus myself so i did and it was removed from the other bureaus as they did an actual investigation and then Experian said it was verified and said the source of the Information was XXXX XXXX and so I contacted XXXX XXXX and they said they did not verify anything from Experian and they again confirmed that the bankruptcy was deleted so this is really messed up they are openly lying to me and this the letter i want to send them on my behalf but when i call they keep lying they violatied fcra and did not do a throughoh investigation i have documentation to prove it and i have written documentation from XXXX stating it was deleted and like i said the other bureaus deleted this. I am very upset I feel very misled and I am going to be filing a complaint with the XXXX and cfpb because you violated the FCRA and did conduct a proper investigation actually you did not do any investigation and you misrepresented and I now have undeniable evidence that you are giving false investigation results because I have In writing from your source of the info thats inaccurately reporting on my report and I know you did not do what you were supposed to and you denied me my legal right to dispute this information I am not happy I simply just want this removed from my information ASAP. I want this expedited because your negligence in the last investigation was nonexistent thank you
Consumer complaint received 2021-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (LA)

Upon reviewing my credit file I have noticed a company named Amsher Collection Services has been fraudulently reporting to my credit file. I have never done business with that company nor have they ever contacted me about this alleged debt. Please remove this from my credit file.
Consumer complaint received 2021-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BMO Bank, N.A. (IL)

On XX/XX/2021 I made a payment of {$1500.00} on my BMO Harris Bank credit card, by check from my XXXX XXXX checking account. While the bank deducted the sum from my bank checking account, they did not deduct that amount from my credit card statement. 

I called them and then wrote them on XX/XX/2021. In XXXX, I received a letter asking me to call them, which I did. I was told that someone would get back to me. In XXXX I wrote to them again. To date, I have heard nothing else from them. 

The matter has yet to be resolved in my XX/XX/2021 statement.
Consumer complaint received 2021-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Paramount Recovery Systems, L.P. (TX)

On multiple occasions, I have asked that this info be verified as mine and the company refuses to respond. This account is not mine and can not be verified as mine so it should not be reported to my credit report.
Consumer complaint received 2023-03-23
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. (NM)

The items listed below are reported on my personal credit file and were found in my reportswith 3 credit reporting agencies. These items were opened fraudulently. Ive informed allparties of the issue & provided the necessary documentation to support my claim. Thecredit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law inregard to identity theft. Additionally, the credit reporting agency & data furnisher have notprovided me with any evidence of an open contract, signed contract, or any valid proof thiswas opened, authorized, or created by me. Since this is a strict violation of FCRA laws I needthe items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$350.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXXXXXX Balance : {$4300.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX  ( Original CreditoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$140.00} ; XXXX XXXX Bankruptcy Reference # : XXXX DateFiled/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Consumer complaint received 2021-01-30
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Specialized Loan Servicing Holdings LLC (WI)

After 11 years of litigation, 3 bankruptcy actions ( two ChXXXX 's and a Ch. XXXX ) against XXXX XXXXXXXX XXXX, XXXX, XXXX obtained a judgment in foreclosure using the FALSELY ALLEGED HOLDER " XXXX XXXX, XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. The note was held by " XXXX XXXX XXXX XXXX XXXX ''. XXXX was Trustee and would have been subject to our counterclaims for fraud, but they used a different " trust '' to foreclose to avoid lender liability. 
Foreclosure judgment obtained in XXXX XXXX ( XXXX XXXX, WI ) after they bribed a judge with a {$120000.00} mortgage " reduction '' by " XXXX '' letter only back in XXXX. I have proof of that bribe. 
XXXX ( non-performing loan ) sold to Specialized Loan Servicing, who contacted me in XXXX of XXXX seeking to collect monies for " escrow shortgage ''. I sent a QWR, timely, and it was ignored. 
We are now in receipt of a 1099-A for the XXXX tax year for the foreclosed property which was quit-claim deeded to the lender in late XXXX to avoid any liability from the ZOMBIE FORECLOSURE property left to rot and deteriorate. XXXX XXXX and SLS are engaged in a racketeering enterprise to harm past customers/borrowers/victims of foreclosure fraud. Debt discharged in BK. THERE IS NO DEBT!
Consumer complaint received 2022-07-21
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: Experian Information Solutions Inc. (CA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 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 2022-05-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

There was a report advertised see link below yet ive been charged {$35.00} this is false advertisement and discrimination the people that struggle the most are still charged the higher overdraft fee this is ridiculous XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prosper Marketplace, Inc. (IN)

Around XXXX I entered a consumer credit transaction ( pursuant to 15 usc 1602 ( i ) ) with Prosper in which a finance charge was involved ( pursuant to 15 usc 1605 ) with is the sum of ALL charges. I would like to state that am a federally protected consumer/ Natural person under the 15 usc 1602 ( truth in lending ) 15 usc 1692 ( fair debt collection practicing act ) and 15 usc 1681 ( fair credit reporting act ) ive found that my rights as a consumer have been violation under theses acts attached to this complaint is my notarized affidavit of truth in which i state all facts and violations done within the consumer credit transaction and Exhibits I've also attached the cease in desist letter ( pursuant to 15 usc 1692c ( c ) ) that I've sent to Prosper via certified mail. Stating I will no longer continue to pay on this alleged debt and invoking my specified remedy pursuant to 15 usc 1692c ( c ) ( 2 ) ( 3 ). it is clear that prosper is not only criminally liable pursuant to 15 usc 1611 but civil liable pursuant to 15 usc 1692k
Consumer complaint received 2021-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

I was notified that PHH mortgage Services would be my new servicer as of XX/XX/XXXX ( PHH Mortgage Services XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX. ) My loan number with them is XXXX. I called PHH prior to XX/XX/XXXX to ensure that they would handle paying my township taxes out of the escrow account as they were due by XX/XX/XXXX in order to get the 2 % discount. They confirmed that they would pay the taxes out of escrow. On XX/XX/XXXX I received a delinquent unpaid tax reminder notice from my township stating that the township taxes were not paid. I then called PHH XX/XX/XXXX and spoke to XXXX to inquire about why my taxes were not paid when I was told they would be, he said they would look into it. I was told by PHH that my escrow account was only set up to pay my insurance, not taxes. On XX/XX/XXXX, I spoke to PHH again and they admitted that when I refinanced my home on XX/XX/XXXX the closing documents said escrow was to be set up to pay taxes and insurance, and that this should have carried over when PHH picked up mortgage. Finally, they said they will pay the taxes but could not promise that it would be paid by XX/XX/XXXX. I have gone back and forth with PHH since XX/XX/XXXX multiple times per week to inquire as to why my taxes have not been paid. As of early XXXX, PHH is saying that they will not pay the taxes because they are disputing a {$15.00} certified payment per year with my township. It is now XX/XX/XXXX, PHH called me today and said " the tax department left a message with XXXX XXXX and has not received a call back '' so he called with no update once again. The township taxes are still not paid and it has been 2 months since I first contacted PHH regarding this issue. About 2 weeks ago they performed an escrow analysis on my account without my knowledge and then sent me an escrow overage check in the amount of {$1900.00}, which I will have to use to pay my delinquent taxes. My XXXX school taxes are due by XX/XX/XXXX and I am concerned that they will not be paid either. PHH has not provided me with any solid updates and no progress has been made on this issue since early XXXX. I want PHH to be responsible for the 10 % late penalty and for them to reimburse me the 2 % discount. I have exhausted all of my options, emailed and called to speak to escalations managers several times and I am getting nowhere. I asked them multiple times on recorded lines to only communicate via email and they have refused, instead continuing to call me 2-3x per week with no real updates. Please advise on how to proceed because I am getting nowhere with this company and I am disgusted with their level of incompetence. Attached are relevant tax documents.
Consumer complaint received 2021-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have a mortgage with Bank of America that was started XXXX of 2012. Please keep in mind this was the end of the real estate bubble bursting. 

My mortgage amount was for {$76000.00}. 

The type of loan is CONVENTIONAL RES WITHOUT PMI / 30yrs / FIXED. 

I want to close my escrow account. The bank is telling I can not do this until my princepal amount is 80 % of the appraised amount at the time of the mortgage. They have stated to me on the phone that this is due to state regulations. I contacted the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and they told me there is no such regulation. 

Here comes the next very confusing detail. The appraisal on the house is for {$33000.00}. What bank does a mortgage at over 200 % LTV and without PMI. The current value of the house is Approximately {$130000.00} to {$140000.00} and I owe {$58000.00}. 

All I want is to do is close the escrow account and I feel like I am being giving bad info so I have to keep the escrow account.
Consumer complaint received 2021-01-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My credit card balance is {$0.00} on my XXXX XXXX XXXX  and all three bureaus keep showing it as {$10.00} over the limit. Then they won't let me dispute the balance.