davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-25
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCE CORPORATION (FL)

Last year in XXXX and XXXX I asked onemain for a payment relief they approved and I accepted and now they have yet to provide what they offered and they are ranking up fees. I feel that Onemain is a predatory lending company who deceived me financially by using what equity I had in my truck at the time and gave me a high interest rate of 22 %. I have been paying on this loan and in one year they are making {$6800.00} add that up in two years thats {$13000.00} and still my balanced owed hasnt moved down a notch. They refinanced my truck upto 21k and they are making one heck of a profit off of me. I cant afford to make high payments with a such a high rate I have emailed the main office and no answer. I want the interest and payments to go down this isnt affordable and this is taken money from people. This is highway robbery and taken advantage of consumers. I have read several other reviews that this has happened to many others. Why isnt the CFPB doing anything about companies doing such and how can they be in business. No one and I mean now one would consider this at all reasonable. I find this taken advantage of consumers and single mothers.
Consumer complaint received 2020-02-25
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (AR)

The loan amount went up from the closing disclosure in an email to me on XX/XX/XXXX and closing on XX/XX/XXXX by {$5500.00}. This company should not be allowed to continue its predatory loan practices on veterans.
Consumer complaint received 2020-02-23
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: Experian Information Solutions Inc. (FL)

THE FOLLOWING ACCOUNTS ON MY CREDIT REPORTS ARE A RESULT OF IDENTITY THEFT. I HAVE FILED A COMPLAINT WITH THE FTC AND THE POLICE IN XXXX FL. 


US BANKRUPTCY COURT XXXX/DEPT OF ED US DEPT OF ED DIRECT US DEPT OF ED DIRECT XXXX XXXX XXXX
Consumer complaint received 2020-02-23
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: Equidata, Inc. (TX)

hippa and ftc violations they have been sent police reports and ftc will not fix them XXXX and XXXX  XXXX XXXX XXXX XX/XX/2020 Source XXXX Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX Activity XXXX XXXX XXXX ( Collections ) Balance Date XX/XX/2020 Balance {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 Source XXXX  Date Submitted XX/XX/2020 Estimated Resolution Date XX/XX/2020 Report Number XXXX Account Number XXXX Company XXXX XXXX XXXX XXXX Address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2020 Source XXXX  Company XXXX XXXX XXXX XXXX Address XXXX XXXX  XXXX XXXX XXXX, GA XXXX Activity UNPAID ( D ) Balance {$1600.00}
Consumer complaint received 2020-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: A & O Recovery Solutions, LLC (FL)

On XX/XX/XXXX, I received a letter delivered to a former residential address of mine from a debt collection company named XXXX XXXX XXXX ( CCI ). The letter was dated XX/XX/XXXX. The letter claimed I owed {$30.00} to XXXX, a utility company based in Illinois. I had never before received any form of communication regarding this debt ( no phone calls, letters, emails, etc. ). I immediately called CCI ( the number listed on the letter ) and spoke with a representative named XXXX XXXX. She looked up the provided account numbers, verified that the debt had been sent to them, but that they no longer had the account. She could not tell me where the account had been transferred, and recommended I call XXXX directly. I immediately called XXXX and spoke with a representative named XXXX ( she would not provide me with her last name or any other type of identification information ). XXXX told me the {$30.00} was allegedly owed on XX/XX/XXXX and issued in the form of a paper bill on XX/XX/XXXX for {$29.00} ( she could not explain why the new total was now {$30.00} ). I explained to her that I had had several years ago ( many years prior to XXXX ) had an account with XXXX when I lived in XXXX, but that all of those bills had been set up as automatic payments straight from my banking account. She told me that the debt had been transferred to CCI, to which I explained that they no longer had the account. She then said it must have been transferred then to another debt collection agency, but she could not tell me what company and admitted to not knowing who was handling the alleged debt. I then asked her if she could produce the original bill owed to show what services it came from or any proof that they had sent me notices of said debt, and also the different debt collection agencies they may have sent the debt to, since I had never before received any notification of this debt ( it's now nearly 3 years later at this time ). She put me on hold and spoke with a supervisor, and she told me that they would not be able to provide me any copies of the bill or services rendered, or any other proof of a debt owed. She also was able to confirm all of my personal information ( phone number and email ) and acknowledged that they could have contacted me through those avenues regarding the alleged debt. She also was unable to find any of the other debt collection agencies that the account had been sent to. She then recommended that I file a complaint with the CFPB because XXXX was unable to find or prove that I owed them any debt. I have not received any communications from XXXX or any other debt collection agency since then to present, XX/XX/XXXX.
Consumer complaint received 2020-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Utah System of Higher Education (CA)

I spoke to a representative on XX/XX/XXXX and requested that they do not call me during business hours, which is my right as a consumer to do. I then emailed the company to request the same. Today, XX/XX/XXXX UHEAA violated my rights by calling during business hours. 

I have already mailed the forms needed for my loan to be reassessed, at this point this is harassment and a violation of my rights.
Consumer complaint received 2020-02-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

In XX/XX/XXXX I signed a mortgage modification Subordinate Note and Security Instrument with Bank of America. In XX/XX/XXXX XXXX  XXXX XXXX foreclosed on me. Bank of America presented documents that were not the original documents I signed. To bring your loan current, the FHA will advance funds ( Partial Claim Amount ) on your behalf to the owner of your first mortgage. In return, so the FHA can eventually recover that amount, you must sign a zero-interest subordinate promissory note and subordinate mortgage ( Partial Claim Mortgage ) by which you promise to pay the Partial Claim Amount to the Secretary of Housing and Urban Development ( HUD ). In the court Bank of America presented a document that claimed they were the ones I owed through a promissory note that I never signed. I told HUD about the promissory note and they said they did not have a record of it. I emailed copies of the promissory note and HUD had Bank of America remove them from the note and I never signed a different one like Bank of America presented in court.
Consumer complaint received 2020-02-24
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: R & B Corporation of Virginia (NY)

XXXX and XXXX  keeps saying an collection on my credit report is verified but dont explain how. The company is in XXXX XXXX and I live in XXXX. I have never reside in XXXX XXXX. I have never received a bill or collection letter from this company. I have proof of where I have been living for the past 10 years. Where is the proof that I lived in the location that the services were provided? How was it verified? I had collection shield send a validation and verification letter but the company never responded within the 30 day timeframe. So how is XXXX  and XXXX validating this account? I will have to seek a lawyer to sue XXXX, XXXX  and credit control corporation if this fraud account isnt removed from my credit report.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Sect

ion 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2020-02-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (AZ)

Good Afternoon, I moved out of my apartment in XX/XX/2019, when I bought my house. I recently tried to apply for a VA refinance loan and my credit, which is normally in the 700s, was now a XXXX. After getting a copy of my credit report, I noticed a collection from National Credit System ( acct # XXXX ) in the amount of {$130.00}, starting in XX/XX/2019. I contacted the apartment and they told me they were under new management since XX/XX/2019 and that I needed to contact the Property Management company, XXXX XXXX  XXXX, since they could not verify the debt. After contacting the property management company, they said that this debt stayed with the apartment and they could not verify it. I reached out to the debt collector and they also could not give me information about the debt. I asked if i paid it, would they delete it from my credit, and they said they usually don't, but as a courtesy, they would in 60 business days. I then asked for a letter to validate that they would, and they said they do not generate letters for deletion. Leading me to think that this will not be removed ant that this debt is a fraudulent charge. The Debt collector told me that no supervisor could help me ( the apartment and the management company also told me the same thing ), and that i needed to contact him directly when I decide to pay this debt. I have never had problems paying my bills and I would have paid the apartment complex if i had known about the debt. I was never billed or contacted from the apartment complex. I feel that our names may have been sold to this company to collect fake debts. 

XXXX, XXXX
Consumer complaint received 2020-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. My confidential documents like m Social, Birth Certificate, Checking Account Information and my kids documents were stolen in XXXX. I noticed a number of accounts when I pulled my credit report in XX/XX/XXXX. I filed 4 identity theft reports in order to be able to include all fraudulent accounts, as well as, a police report. I have mailed the first ones to the credit bureaus. The original to TransUnion a copy to XXXX  and XXXX   thinking the issues would be resolved. I have filed new and updated reports today and have attached them to this complaint. 

I have listed the accounts that are a result of fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX  ) INQUIRIES ARE XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-02-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I recently filed a complaint in XX/XX/XXXX with CFPB ( Complaint # XXXX-XXXX  ) whereas B of A alleges they sent a " declination letter '' to me on XX/XX/XXXX, which is an absolute fabrication. They say this was based on a telephone conversation on XX/XX/XXXX where as they claimed the loan was withdrawn from modification review .. another fabrication. 

In 2012, I modified my first mortgage with Bank of America, and once that was complete, my B of A Counselor, XXXX XXXX, ignored my repeated requests to modify my 2nd mortage ( see attached communications ) and ultimately told me that because my ex husband, who is on the loan, declared bankruptcy, that the debt was no longer collectible. Of course, I was naturally suspicious that this was either the best gift ever or that he simply lacked the time resources to help me ( again - his email says he's " real busy '' ). Bank of America also advised me not to pay the 2nd mortgage if I wanted a modification - which was a common myth being communicated by lenders back then who didn't know how to deal with this huge problem. 

I have more documentation that I can provide that demonstrates that I was absolutely interested in refinancing my 2nd mortgage, but was not getting any results or progress from B of A - likely because they were drowning in 1st mortgage modification processing.
Consumer complaint received 2020-02-24
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. (VA)

I received a letter for the creditor in question that was on my credit file as proof that the account that they have placed on my credit file was reported in error. 

Then, I mailed the copy of the letter of proof from the creditor to the credit bureau. The credit bureau refused to remove the creditor from my credit report file.
Consumer complaint received 2024-10-23
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)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX # XXXX
Consumer complaint received 2020-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (CA)

Ive tried contacting Selene on numerous occasions to no avail. Youre simply just carted from one ill -advised customer service representative to the next. 

1. On XX/XX/XXXX and going forward I've been charged a {$15.00} late fee. I paid initially, but noticed it kept resurfacing on my mortgage bill. I've called Selene to ask why Im incurring a {$15.00} fee each month on my mortgage, and I was told by XXXX, one of the representatives that he believed it was an inspection fee. '' Inspection fee for what, when, why and where was the inspection done are my questions? He didnt know and would look into it and get back to me by correspondence. That was 4 months ago. Ive made sure to send all payments via wire transfer or XXXX XXXX w/signature to ensure payment since Selene conveniently misplaces payments by mail. 

2. I contacted Selene by email on XX/XX/XXXX to obtain the months that I've been late on my mortgage, as it was reported to a refinance company that I've been late 8 times. I'd like to know the EXACT DATES AND MONTHS those payments were late. I received correspondence from Selene saying it would take 30 days, it's been over 6 weeks. 

3. Also, my escrow amount increased and therefore my payment. Id like the paperwork confirming the additional escrow amount.
Consumer complaint received 2020-02-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

I had applied for a Chase refinance XX/XX/XXXX. The mortgage rep. I was assigned was XXXX XXXX. We had a few conversations on XX/XX/XXXX, and XXXX had pressured me into applying for the refinance, as our rate ( with purchasing points ) was a few percentage points less than our current mortgage. XXXX was aware of how long we had been in the home, that we had rental property, and the circumstances surrounding my wife switching jobs last year. By XX/XX/XXXX, we had submitted all required documents to either XXXX or through the online portal. Then on XX/XX/XXXX, XXXX came back and said we would need to have copies of our XXXX taxes in order to move forward. At this time, I asked if the {$500.00} fee could be waived as we were completely compliant. We had a trip planned from XXXX, so the stress of losing that time weighed on us heavily. XXXX also threatened us with penalties if we did not close within a certain period of time, even though interest rates had actually fallen in this two-week window. I was worried about missing the opportunity to refinance at lower rates, and was unhappy with XXXX 's pressuring tactics ( when we acted extremely quickly ), so I contacted the current lender on our home. They offered us a loan modification, with a slightly higher interest rate, but no closing costs rolled in, so it was a better offer. On XXXX I was able to file my taxes and forward the returns to Chase. On the same day, we received the firm offer from our current lender. On XXXX ( less than 3 weeks after application ), I withdrew my application from Chase. I again requested a refund as a result of their service. My request was denied. I requested a supervisor 's email. No response. I followed up on XX/XX/XXXX, and finally received the contact information for XXXX XXXX. On XX/XX/XXXX I laid out the entire situation to XXXX, explained that we had been long-time Chase customers ( 8 credit cards and 1 car loan over 13 years ), and that all we wanted was our refund. Since we never left the underwriting  phase, Chase did not incur any costs other than the credit application. No appraisals, searches, or surveys were ordered. Again, NO RESPONSE. I followed up ( again ) on XX/XX/XXXX. XXXX responded saying another lending manager reached out to me ( I have no messages, missed calls, etc. ), and that he could not refund the fee. At this point, I would strongly recommend avoiding Chase for mortgages. Their rates may lure you in, but their service can not back them up. We withdrew our application as the terms/conditions/requirements changed on us.
Consumer complaint received 2020-02-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (WA)

Starting in 1975 my husband and I purchased a home in XXXX WA for {$21000.00} thru FHA. After a few years, on one income and XXXX children, we didn't have enough money to pay the mortgage and support our family. There weren't any services that could give us advice so we went to XXXX XXXX to refinance our home. It was either that or file for bankruptcy. We did get extra money with the refinance to pay down some bills. A few years later, we refinanced again and paid down some bills. Twice since, we refinanced, and again, no service was available to give us advice, and now we owe over {$80000.00} 45 years later. I can provide names of financial institutions and dates if needed but what I am asking is if our mortgage at Wells Fargo can be forgiven. We are retired but aren't able to live like we should due to still paying on our existing mortgage. I feel like we have already paid for our home twice if not three times over. We feel financial institutions are so ready to entice people into refinancing when it just keeps raising the amount owed on the mortgage instead of reducing the amount by lowering interest. Please help us. I don't know where else to turn and would like to live my retirement out without having all of it going to a mortgage payment. Can you help or give advice of how we could be mortgage free in our XXXX 's?