davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
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: Experian Information Solutions Inc. (TX)

I recently, have full reviewed my credit reports and to my suprise there is information and debts being reported that are not mine i have disputed but do not believe that a proper consumer investigation was conducted. According to the Fair Credit Reporting Act 15 US 1681a section 3 ( e ) A consumer investigation requires interviews by neighbors, friends and associate who might have information regarding the assumed debt. I have contacted people who i am familiar with and none of them has been interviewed in regards to any of these assumed debts. I want a proper consumer investigation on all disputed debts.
Consumer complaint received 2023-01-18
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-18
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. (CT)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$25000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-01-18
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. (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. 

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 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 2023-01-18
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. (CT)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$25000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CA)

I received calls and letters from the Debt collectors [ National Credit Systems , Inc ] after they added the dept to my credit report as a negative item. I called them to ask for a debt verification letter and sent them mail to remove the debt from all credit bureaus if they could not prove the debt, and they are not willing to do so
Consumer complaint received 2023-01-18
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. (CT)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-18
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. (TX)

My name is 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 XXXX is being investigated by the FTC.
Consumer complaint received 2023-01-18
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. (GA)

This is my THIRD request for help and so far you have done absolutely NOTHING. In prior requests I told you Experian was showing my credit score XXXX points lower than other bureaus. They were showing charge-offs for three accounts resolved in bankruptcy and after doing that my score went up by only one point. This month my score has dropped again by XXXX points. I can not reach Experian. You can not penetrate their phone lines because you can not get a live person. I have called every number they have. Experian is hiding from consumers and not helping them.
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (PR)

More than a year ago I applied for a Chase credit card and there was a problem with the system, which never indicated to me that the application was complete. Therefore, the next day I tried again. Since I never received a confirmation email or a letter, I tried again. That's when I realized that I put the monthly salary when I requested the annual one. When I realized I made a mistake, I applied again the following month, which was denied. I understood that it was due to a system error and that I never received the email, I had several attempts. Therefore, I decided to wait more than a year to apply again and they denied it because they were not sure that I had all my identity. I contacted them to say that I had indeed requested it and they asked me for documents to confirm my date of birth. ( I sent my passport and address, a copy of my electricity bill. Even so, it was denied. And that is not enough, they made me a new credit inquiry today without me having requested it. I requested the one on XX/XX/XXXX and they denied it and today they made me a new inquiry in which I contacted them and they told me that it is definitively denied.
Consumer complaint received 2015-04-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Monterey Financial Services LLC (KS)

My complaint is against Monterey Financial Services XXXX Inc. in California. There are several problems with this company and their fees. I was charged a no sufficient funds charge of {$30.00} in XXXX XX/XX/XXXX. I immediately called my bank since I knew the funds were in my account. The bank said no request for payment was ever presented. I called this organization and they would not budge off the premise that I owed their fee. Additionally, they charged me with another {$15.00} which totaled {$45.00} plus my regular monthly payment of {$220.00}. I paid these ridiculous fees so I could be from under this debt as soon as possible. On XXXX XXXX, XX/XX/XXXX I scheduled what I thought would be my last payment. When I checked my account on the following Monday it showed a remaining balance of {$1.00}. I wanted to be away from this account as quickly as possible, so I wanted to pay this off. I was afraid to mail since I felt they would not be honest and post to my account so they could charge more fees. I tried to pay online where I knew they would charge an additional {$10.00} but I was kicked out of the site. On Tuesday, I decided to call to make the final payment and their phone system stated that I owed {$16.00}. I paid the fee so that I would have a {$0.00} balance. My complaint is after 24 months of dealing with this company I have paid a total of {$270.00} in what is listed as " other '' fee since I wanted to pay online so that my account would be credited on the day I paid. It seems to me all of these additional fees and how they collect them could not possibly be legal. They charge {$10.00} for late fees and {$10.00} for paying online and then they slid in the phony returned payment fee of {$30.00}. To make matters worse they are showing my last payment as a write off and not as a final payment nor do they show the {$16.00}. They show {$1.00} was the balance the day I paid the account in full.
Consumer complaint received 2016-11-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

I sent a QWR to BSI on XX/XX/2016 and have had zero response back. I can not log in to their system to check any balances to make a payment and I have not received a statement from them since XX/XX/2016. I want to pay my loan but they are still not applying funds correctly and doing whatever they want. I call no responses back. I write letters and emails and no response. They are clearly violating Respa and CHBOR. I want to answers and access to my account online. I want my loan and XXXX I sent them to be applied correctly. The fees that they were trying to say from previous lenders have all been disputed and XXXX also sent them statement that I owed nothing and still saying XXXX. I have sent copies of payments to them and still lying. I want this cleared up and to pay my bill online. I have never had any servicer go to lengths to never send out statements, block online access and no response. All Illegal and also copying lawyer and Attorney General so there is proof of every violation. This will be taken to court as these violations have financial recourse for BSI to pay me. I can make my payments but it seems they do not want me to.
Consumer complaint received 2023-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (MS)

On XXXX XX/XX/2022, I submitted a refund request for the loan payments I made after the XXXX student loan payment pause. I was initially informed it would be XXXX to XXXX weeks for processing. After XXXX weeks, I called to check on the repayment and was informed it would be now XXXX to XXXX weeks for processing. I asked to check on my status and was informed that they would have to transfer me. Then the phone hung up. After XXXX weeks had passed, I called to ask what the status was and they informed me that it could be more than XXXX weeks. I asked to get more details on my refund status and again was told that they would have to transfer me. Again, the phone hung up. I called back and asked to get my details. Yet again, they transferred me where the call ended. I called again and told them that I want to talk to a supervisor. I was told that they would transfer me to an account XXXX and just hold. This time it was successful. 

The account XXXX provided conflicting information. She said that she could confirm that the request was sent to the Department of Education on XXXX XXXX and that there is nothing else they are involved with. The account XXXX informed me that she heard that the Department of Education is now sending them out in the mail. And then asked to confirm my address. I asked why does she need me to confirm my address if there is nothing more on their end is to be done with the refund. I asked her to provide documentation on payments being only made via mailed checks and told her that I was always informed that it would be deposited in the checking account that I used to make the payments. I did not receive any documentation substantiating her claims. 

It took XXXX tries to reach an " account XXXX, '' and only after requesting to speak to a representative. All the previous times they literally hung up on me after telling me that they would transfer me. When I asked for a direct number to an account XXXX early on in my calls, I called a number and it went straight to either voicemail or non-functioning number ( can't remember which, but the result was the same -- no help ). And they continually increased the time range for receiving my refund. And this was only after I called to ask. And then tell me things that they were unwilling to provide written documentation to back up their claims.
Consumer complaint received 2024-10-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: New Start Financial (WA)

In XX/XX/year>, I arranged a payment plan with New Start Financial to address an outstanding balance of {$1300.00} on my car loan. The plan was to make payments of {$700.00} per month, starting with a payment on XX/XX/year>. I completed that payment as promised. At the time, my account representative, XXXX, informed me that the company was being acquired. However, she did not provide contact details for the new company, stating that I would be notified later. 

After making the first payment, I attempted to follow up on my account status and requested updated information from New Start Financial. I sent inquiries on XX/XX/XXXX and XX/XX/year>, but received no response. Despite multiple documented attempts to communicate, the company failed to provide any updates or allow me to make further payments. 

Due to XXXX XXXX XXXX lack of response, my account was ultimately removed from my credit report in XX/XX/year>, as the credit bureaus were unable to get a response from the company. I have documentation of my efforts to resolve the issue, including emails and correspondence with the company. On XX/XX/year>, I received a text message from XXXX, a representative at New Start Financial, stating that my balance had ballooned to {$4300.00} due to missed paymentsdespite the fact that I had been trying to make payments and resolve the situation for months. 

Furthermore, when I attempted to log in to my account, I found that it had been closed, preventing me from accessing account details or making payments. This, coupled with the companys failure to respond, led to the unjustified increase in my balance. 

I am seeking a resolution to correct this situation, including clearing the outstanding balance and allowing me to return the vehicle without any negative reporting to the credit bureaus. I would like to avoid further escalation, but I expect a prompt and fair resolution.
Consumer complaint received 2022-10-22
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. (SC)

When I went to a car dealership about a year ago they ran my credit to multiple different people and I have multiple inquiries on my account from the auto dealership car XXXX stated that they were only going to do one hard pool for one they did multiple 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
Consumer complaint received 2024-10-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Education Principle Foundation (FL)

Argosy University sold their program and continued with telephone tactics to enroll us students. Argosy University made a lot of promises to their students and they did not follow through. One example is getting their XXXX XXXX XXXX XXXX XXXX accreditation. I attended from XXXX with the promise from the first semester of benign XXXX approved which did not happen. Further, we were charged XXXX XXXX XXXX XXXX XXXX XXXX XXXX When addressing this they said they will look into it and once their prices changed they did not refund our money. Additionally, they did not help their student obtain a XXXX XXXX XXXX when it was time to do so. There was no guidance and we were left on our own to do so. Further, my cohort was unable to get our XXXX approved and XXXX complete until we wrote the president stating that if she does not get involved we will go to the media and look into legal actions. Only then did the president get involved and pushed through the XXXX and XXXX process. This was only after several of us had to pay for extended classes which were not cheap. Personally, I was collecting data on many individuals but was told that was not necessary to do a case study. Now looking back that was the wrong guidance and it would have been better for me to continue with a big study. At that time I did not know better and was naive to think my professor would do right by us. Argosy closed and left us with a degree that no one will recognize or if they do it wont be positive which can impact our livelihood and future employment. I also have a loan of {$190.00}, XXXX making {$60000.00} a XXXX XXXX  XXXX. Argosy knew I had XXXX children and would not be able to attend a full-time program and I believe they took advantage of that situation. 

On XX/XX/year> the Argosy University borrowers sent the Department of Education the Argosy University white paper, Argosy Lies : How XXXX XXXX XXXX and Dream Center Foundation Defrauded a Generation of Students and the Federal Government that detailed copious evidence collected by Argosy borrowers themselves. The evidence comes from lawsuits, settlements, congressional testimony, and federal investigations. Furthermore, our letter to the Secretary of Education cosigned by nine organizations including the XXXX XXXX XXXX, Project on Predatory Lending, XXXX XXXX XXXX XXXX, Debt Collective, and XXXX Argosy students, faculty and staff collectively recommends the broad cancellation of all Argosy University loans. 
I am filing a complaint for the Department of Education to take notice that the borrowers deserve to be made whole from a governmental system of oversight that has failed them.
Consumer complaint received 2015-10-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TN)

Case number : XXXXAs previously stated every thing remains the same about the non-response from Ocwen to the actual complaint and who has again not addressed the issues and RESPA at all and claims they can send a so-called Transferee Notice saying anything they want in total disregard of the Transeror Notice. 
IF the CFPB rules the OCWEN Notice of XXXX 2014 is lawful, then CFPB must rule that the XXXX XXXX Notice of XXXX 2014 is also lawful and supercedes the Ocwen Notice and payments will be made to Homeward Residential in XXXX. 
I have presented what the CFPB claims RESPA says and what RESPA itself says and OCWEN IS NOT IN COMPLIANCE. Ocwen again has not made specific reference where we are alleged to have claimed untimeliness and they made false reference to it again. 
The CFPB must decide if XXXX XXXX XXXX Transferred Servicing to Homeward/Ocwen XXXX XXXX as the Transferor Notice claims or Ocwen as Ocwen 's XXXX unfounded and unmatching Notice claims. 
Their attorney and Ocwen claim that Homeward/Ocwen in XXXX and Ocwen Loan Servicing LLC in XXXX are the same identical company so now CFPB must rule on this matter and take the appropriate action while also remembering the XXXX XXXX Notice of XXXX 2014 which supercedes Ocwen 's Notice. We await a CFPB ruling stating both companies with different names and different locations are the same identical company.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I have completed several disputes to XXXX, XXXX XXXX Experian on XXXX XXXX and XXXX XXXX due to inaccuracies on my credit reports but they all failed to respond to my request. They didnt investigate nor send me any correspondence via mail.
Consumer complaint received 2023-01-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

XXXX statement shows {$99.00} late fee, not a late fee. Its an annual maintenance fee and not late. 
XXXX XXXX refused payment from my XXXX XXXX  online banking for the {$99.00}. They accepted the regular monthly payment as usual XX/XX/18 received notice from XXXX XXXX  it was refused. XXXX  could not find record of refusal Now they can make it look like a late fee if they keep refusing the payment