davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (UT)

In XXXX, my neighbors left their sprinklers on overnight and ended up flooding our basement. In turn we got an insurance settlement. By law insurance settlement checks require both yours and your mortgage company signature. We sent the check to our mortgage company, Loancare LLC, and they returned the check to us, because we forgot to sign it. We received a new check from the insurance, signed it and sent it to Loancare for their signature. They demanded that we pay for the repairs ourselves and then reimburse us, but we don't have that kind of money. Then they demanded a contractor to do the work, then they would reimburse the contractor in payments. By what we were told, Utah does not require flooring installers have a contractors license, so they don't carry one. The only damage was flooring and a little bit of sheet rock, so our original intention was to do the work ourselves. Hiring a contractor will cost more than what our insurance gave us. We've been trying to get our check for 6 months now, and they are still refusing to give it to us.
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX and XXXX Credit Bureaus has not complied with the FCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX XXXX : {$75.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$1700.00} ; XXXX XXXX Balance : {$20000.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (PA)

XXXX XXXX XXXX XXXX - XX/XX/XXXX - loan taken out for {$22000.00}. Before son XXXX I ended up in bankruptcy in XX/XX/XXXX. Just came out of bankruptcy in XX/XX/XXXX. I want to start repaying XXXX XXXX XXXX, but received a letter informing me from Nelnet that an additional amount of {$8000.00} is being ADDED to my loan. That's almost 40 % increase of original amount. I'm just coming out of bankruptcy and trying to do the right thing and repay BUT, it is unacceptable to be hit with these fees. I'm more than willing to negotiate an interest / penalty amount that is fair to both. I will even start an automatic deduction but I will not pay 40 % more after just getting my finances in order. NOTE - that my bankruptcy paid all creditors in full, nothing was written off. I'm willing to do the same with this loan also. Any help would be appreciated.
Consumer complaint received 2019-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC (SD)

On XX/XX/2017 I went thru the Why Not Lease IT Program at XXXX XXXX and purchased a lawnmower for XXXX Tax included. The XXXX XXXX said XXXX for 10 months which amounted to XXXX the pay balance XXXX I finished the XXXX then forgot about it and seen on my bank statement they took out XXXX more payments which totaled XXXX and they still tried to make me pay more. 

I have sent them a letter stating the same thing and showing what I paid and what I over paid.
Consumer complaint received 2019-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CO)

I had a mortgage with XXXX XXXX XXXX. My servicer changed to Select Portfolio Servicing Inc further referred to as SPS Inc.. When I logged into their website to make my first payment this month they charged me an additional {$15.00} to make the payment online and called it " EZ payment '' This is an additional fee I need to pay to make my mortgage payment each month. My amount due is {$1500.00} but I will have to pay {$1500.00} monthly for my mortgage. By charging the fees to pay online or over the phone, a portion of which it retains, SPS Inc is in violation of the federal Fair Debt Collection Practices Act, which prohibits the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. This amount is not authorized by my mortgage agreement and was never charged when I payed online through XXXX XXXX XXXX the originator. 

It should be criminal that this company is making me " pay to pay '', to wonder people go into foreclosure.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The phone operator XXXX from the team XXXX  ( as I was informed by the operator ) was under the influence of alcohol  and or drugs  and refused to lodge a dispute. XXXX refused to transfer the call to a manager. 

I wanted to lodge a dispute against the item reported by XXXX. XXXX stole money from my account and damaged my business relations costing me thousands of dollars. I owe no money to this account and most importantly the account is closed but it shows otherwise in the report. 

Experian phone operators refused to lodge the dispute. Experian is corrupted and gets paid under the table by the financial institutions to work in their favor.
Consumer complaint received 2019-04-09
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ditech Financial LLC (WI)

I paid off my mortgage 12-15 years ago with XXXX XXXX. In XXXX of XXXX I went to my bank, XXXX XXXX, to apply for a home equity loan to update electrical. I previously had a credit score of XXXX and XXXX XXXX told me they wouldn't give me a loan because my credit score was so low. XXXX XXXX told me that there was an outstanding mortgage on my paid for home which had been taken out in XXXX. I did not apply for or get a mortgage on my home. XXXX XXXX told me that the mortgage on my home was held by Ditech Financial, LLC. I have called Ditech numerous times and asked them to send a copy of the mortgage with my signature to me. Ditech has refused to do so. Someone has committed fraud by taking a mortgage secured by my home without my knowledge or permission. I want Ditech to provide the information and I want the mortgage removed from my home since it is fraudulent and it is affecting my credit adversely.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My XXXX XXXX XXXX XXXX XXXX XXXX student loan amount of which is {$8200.00} and {$1000.00} & {$22000.00} which equals the total of : {$12000.00} was consolidated into my XXXX XXXX dept of Education student loan balance on XX/XX/2009. 

The same loan is posted more than once by the same lender, it shouldnt be listed as multiple accounts. 
During that time it appears that mishandling of the student loan was improperly handled and reported as a separate loan. 

I believe the credit reporting agency, XXXX, and XXXX  and Equifax, mishandled the reporting of the consolidated loan, to a separate loan and line item. 
I also notice that the same amount of {$8200.00}, {$1000.00}, & {$2200.00}, the total then {$12000.00} show up on my credit report as a separate line item, when it was consolidated, meaning the same loan is posted more than once by the same lender, it shouldnt be listed as multiple accounts.
Consumer complaint received 2022-09-17
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. (TX)

The Credit Reporting Agencies have become negligent of their Federal duties and compliance with the Fair Credit Reporting Act. This is my 10th CFPB complaint to be submitted in regards with my Requests for the Removal or deletion of the Fraudulent accounts and information being reported on my Credit File. Under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. I was a victim of identity theft, my identity was stolen and used to open these accounts in which I never received any benefits as a result of the identity theft. Also, the Credit Bureaus have claimed that the Disputed items belong to me and that the items were verified and continued reporting these items without sending me proofs of verification or any documents bearing my signature. This is a clear violation of my rights under the FCRA. Once again, I am requesting that the Credit Bureaus remove the following fraudulent items completely from my Credit File : 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 US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED 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 2021-12-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (CA)

On XX/XX/XXXX, XXXX XXXX, made a charge to my account which was incorrect. I was able to obtain a refund for this charge, but I had reached out to CHIME BANK and alerted the dispute department, and they cancelled my card immediately and issued a new one. 

After this I had another issue with XXXX XXXX XXXX services. They had a glitch in their system and a transaction was stuck. They sent a manual authorization release form and CHIME BANK refused to release my funds. 

Then on XX/XX/XXXX the charge was dropped, and the funds were never released into my account. Approximately 45 minutes later a charge was posted with the posting date of XX/XX/XXXX @ XXXX XXXX XXXX for {$100.00} and {$0.00} How could a card that was cancelled a week ago be used to make a purchase? That question was met with more confusion and then a fallacy stating that there was a temporary card issued to me and that was the card that was used. This is impossible because all cards were turned off and the only card XXXX has on file per its billing department ( see attachment email correspondence ) is the card ending in XXXX. 

As a member of CHIME BANK since XXXX I am deeply disturbed to know they dont the safety and security of customers money seriously. I have a permanent disability and receive Social Security monthly. I made one mistake cashing a check and CHIME BANKs security department reached out to me with no recourse or appeal process, but now when CHIME BANKs security is compromised by allowing a card that was already cancelled to used and the transaction post to the members account ; its sickening and deserves to be investigated at the government level.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

U S DEPT OF ED/GSL/ATL // ACCOUNT NUMBER : XXXX is not accurately reporting my information to credit bureaus. Balances : {$2000.00} // {$9400.00} // {$5700.00} // {$6100.00} // {$570.00} DPT ED/AIDV // ACCOUNT NUMBER : XXXX is still reporting inaccurate information to ( TRANSUNION ) Each Credit Bureau is inconsistent in how my information is being reported : On my XXXX report / file, the account is showing Closed and in Collections On my TRANSUION report / file, the account is showing Closed with NO PAYMENT HAVE BEEN REPORTED ON THIS ACCOUNT BALANCE UPDATES are inaccurate : XXXX is showing XX/XX/XXXX // TransUnion is showing XX/XX/XXXX Payment history is showing Collections, Unavailable Data, and multiple inconsistencies. 


Also the CARES ACT of 2020 states that ALL STUDENT LOANS accounts are suppose to cease reporting to credit bureaus any information that will affect the borrowers.

My Credit report and Credit Score has been seriously affected by the STUDENT LOAN negative reporting. And my consumer rights were violated for unfair, inaccurate credit reporting. 

I have disputed report with the Credit Bureaus, but their response and updates are still inconsistent with each other even though they claim that the information being reported is sent from the same source.
Consumer complaint received 2022-07-14
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. (NY)

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, & XXXXXXXX XXXX : Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX Account XXXX XXXX, XXXX bank 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
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

four accounts are reporting on Equifax fraudulently, these accounts do not belong to me, and per FCRA laws these if the accounts are fraudulent it should not stay on someone elses profile, but these are and it has made my life very much unbearable and stressful.

please i need these inaccuracies to be deleted or removed from my equifax credit file, m they have not been friendly nor have been helpful.

i think they have a glitch or something, their system is not working well and very much stressful. i have already provided my police report and FTC report to them but no use., somehow i researched and i am writing this complaint regarding them. i will be attaching my paper work and the accounts names and numbers shown on the FTC report. will be letting you know which one i have complaint about.

appreciate your help and understanding.

thank you
Consumer complaint received 2019-04-09
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ORG GC GP BUYER, LLC (TX)

i have tired calling and sending all my collection debts about the college i went to had closed due to fraud and i was in that mess. i sent pdf flies of eveything about the closure of XXXX college and also sent them about me and my credit report and see how i can not afford it and how XXXX lied to me about me being about to have a lifetime job source through them and everything else that happen in the fraud case against them. they call me monthly asking if i can paid my full debt to them and i cant i have stated to them that i been also going through it with u.s. department of education cause they took my taxs i have private and fed loans behind a degree that is not credited for ..i cant even use it to get a job ... i cant use it to even go to another college and higher my education if i wanted to ... how unfair is that.
Consumer complaint received 2022-06-15
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. (NC)

In accordance with the Fair Credit Reporting act XXXXXXXX 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
Consumer complaint received 2022-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 4. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 5. Identity Theft XXXX XXXX  Account Number : XXXX Delete this account. 6. Identity Theft XXXX Account Number : XXXX Delete this account. 7. Identity Theft XXXX XXXX Account XXXX : XXXX Delete this account. 8. Identity Theft XXXX Account Number : XXXX Delete this account. 9. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 10. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 11. Identity Theft XXXX Account Number : XXXX Delete this account. 12. Identity Theft XXXX XXXX XXXX  Account Number : XXXX Delete this account. 13. Identity Theft XXXX  Account Number : XXXX Delete this account. XXXX. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 15. Identity Theft XXXX Account Number : XXXX Delete this account. 16. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account. 17. Identity Theft XXXX XXXX  Account Number : XXXX Delete this account. 18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX 19. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (WA)

I opened account with Specialized Loan Servicing in XX/XX/XXXX and refinanced it in XX/XX/XXXX for no reason they are reporting a 90 day late on my credit report on XX/XX/XXXX. I couldn't have been late and refinanced and I have documentation showing all of those payments are made and the person I spoke with on the phone admitted no payments were missed but the late remains on my credit bureau. After I refinanced it and pulled more money out they started a new account and sold my account to NR/SMS/CAL on XX/XX/XXXX and call it a merger. When they did this merger I was unable to log into their online site to pay my bill that month and when an account is transferred like this they are not supposed to report late payments because of issues like this. I was out of the country and only had access online and was unable to utilize their online services. They reported another 30 day late which is stopping me from being able to refinance this account. I need CFPB to aid in removing these lates from my credit bureau so I can get away from this company and their incorrect reporting issues.
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The Credit Reporting Agencies have become negligent of their Federal duties and compliance with the Fair Credit Reporting Act. This is my 10th CFPB complaint to be submitted in regards with my Requests for the Removal or deletion of the Fraudulent accounts and information being reported on my Credit File. Under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. I was a victim of identity theft, my identity was stolen and used to open these accounts in which I never received any benefits as a result of the identity theft. Also, the Credit Bureaus have claimed that the Disputed items belong to me and that the items were verified and continued reporting these items without sending me proofs of verification or any documents bearing my signature. This is a clear violation of my rights under the FCRA. Once again, I am requesting that the Credit Bureaus remove the following fraudulent items completely from my Credit File 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 US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED 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