davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-04
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: PHH Mortgage Services Corporation (FL)

On XXXX/XXXX/2016 I was pre approved for a home mortgage ( FHA ) by Sunbelt Lending Services after presenting all requested documentation. So I move throgh with my broker for home inspection, we needed to fix couple things on the desired house as well after inspection and I had to pay for the appraisal. Everything went well, house was fixed, appraisal approved, tittle company with my deposit in approved also the house. So far everything was ok till I received a phone call by the lender saying that his investor was not confortable and he needed at least 25 % or 30 % as down payment. Pre approved loan down payment was 5 %. 
It was told since the begining for the lender that maximum down payment would be 5 % and my biggest concern is that he let me go up to the end, paying off the fixing, inspections and appraisal. It really feels like bait and switch. 
After that I and my broker asked him to send a denial letter accordingly and he would not pick up the phone or reply our emails for 3 days. After that I could get him on the phone and he emailed the denial letter, but only saying that I have not sufficient funds! Which is not true. It occured because he changed his propose after everything. 
So far I expent over {$1900.00} ( inspection, appraisal, fixing, accountinh services ) and still fighting to get my deposit back from the title company. 
Lender said that he would give me what I expent as a credit for an upcoming application. But honestly I will never do it again with this lender and would never recommend their services for anyone. XXXX XXXX XXXX was the loan senior officer.
Consumer complaint received 2024-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (TX)

I am not liable for this debt of XXXX with AFFIRM with multiply account numbers. I do not have a contract with AFFIRM, they did not provide me with the original contract as I requested with my wet signature and ID verification.
Consumer complaint received 2016-12-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

USAA has treated me in an completely inexcusable manner since XX/XX/XXXX/XX/XX/XXXX of this year. My phone was hacked and deposit were made between my linked bank account with USAA and USAA. I received a completely new phone. Show USAA that I had ordered a new phone and turned my old phone in still they continued to called a fraud and state that I was committing bank fraud. They told me I was lying and their representative actually had me sobbing at her unnecessary and unfunded idea that I committed fraud. After that I spoke with USAA almost constantly. I agreed to make payments to pay down the debt of {$50.00} bi-weekly. On XX/XX/2016 USAA said the account had been paid off. The statement online show this. They issued me a refund check for the amount of overage. Yet today when I called on XXXX I still did not have full access to the website. In my attempt to correct this I received at least XXXX transfers. Each transfer gave me more and more incorrect information. I was on the phone with them for a total on XXXX hour. Finally I demanded to speak to a XXXX who was able to resolve the issue. I was bounced between web banking and accounting and checking department. I was told there was still a block. I was told I needed to open another account. I was told time and time again this was the wrong department. This entire experience was made horrible my USAA who continued to ignore me as a customer. Ignore my legitimate claims that the transfers where not by me. Simply a virus that got into my phone. Even with provided proof from XXXX and my cell phone provider that I had gotten a new phone and errors occurred with the previous phone they did not listen. I experienced this same. Well it 's all your fault attitude from the company told as I explained to representative after representative that I had paid the account.
Consumer complaint received 2017-08-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OH)

I have a sears credit card. I canceled the account XXXX XXXX on XX/XX/XXXX. I have had the account XXXX XXXX since XX/XX/XXXX. I asked for a refund but no answer back from them. It is provided by Citibank N.A. I have canceled account care with other credit cards and received credit on my accounts. I was never told that if I canceled account XXXX with Citibank I would not receive credit on my account. Thank you XXXX XXXX at XXXX.
Consumer complaint received 2024-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Malen & Associates, p.c. (NY)

I had a credit card through XXXX XXXXXXXX I had owed money to them and I went through my XXXX XXXX XXXX XXXX XXXX in XXXX NY to do a debt consolidation loan. They sent XXXX XXXX a check which they took and I have proof of that. XXXX XXXX then sold the debt to MALEN & ASSOCIATES , P.C . who then sued me and won as I was not able to go to court. They are now garnishing my wages so now Im being forced to pay twice.
Consumer complaint received 2024-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (NJ)

XXXX XXXX XXXX XXXX has been doing business as several different companies buying and selling the same mortgages to themselves and profiting on it from both sides, All while never giving their customers proper consideration. 

Violation of 18 USC subsection 1348 Federal crime to defraud someone and connection with the security or commodity or obtain money from property from purchasing or selling a security.

Violation 12 USC 1431-Banks cant actually lend money because they are the borrowers.
Consumer complaint received 2017-01-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY (NJ)

I have been receiving Wells Fargo billing on a student loan more than 14 days late. I have saved the post marked envelope as proof. The notices fail to show why the payments due increased and fail to show balance of loan. The habitual late mailings appear to maximize Wells Fargo late fees with the absence of transparency. I have faxed a request to negotiate a pay off number and Wells Fargo has refused to define a number via mail, as requested.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 


XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. AFFIRM INC Account # XXXX, ( Original Creditor : XXXX XXXX XXXX ) Account number # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by AFFIRM INC Account # XXXX, ( Original Creditor : XXXX XXXX XXXX ) Account number # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (OH)

To whom this concerns, Good afternoon, my name is XXXX XXXX and I have been looking into my credit a little closer recently and have noticed quite a few items that do not appear right. I have been wondering why I have been getting denied any kind of credit and it has really taken a strain and hardship on my life. Please if you could take a look into this matter for me. I have tried disputing before and no one really seems to care. Thank you for your time. 
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. 
MOHELA Account # XXXX in the XXXX {$2400.00}. MOHELA Account # XXXX in the XXXX {$6900.00}. MOHELA Account # XXXX in the XXXX $ {$3800.00}. MOHELA Account # XXXX in the XXXX {$1300.00}. Aidvantage and Mohela Has violated my rights. When attending XXXX XXXX  I was not notified at the time they there were going out of business in XXXX XXXX. I took a break due to physical disabilities issues and then XXXX XXXX happened and I wanted to return to college to find out the school went out of business. The debt since is almost 10 years old. So I spoke with Mohela which has now turned over my debt to ADVS Services and both parties that I spoke to told me the loan would be discharged under the debt forgiveness program as a closed college situation and also the 10 year length of time the account has been open. I feel they are purposely trying to hurt my well being and I want this taken care of please.

15 U.S.C. 16815-2 ( 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.

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 fumish a account without my written instructions
Consumer complaint received 2024-08-13
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. (TX)

According to the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ( a ) ), it is essential for consumer reporting agencies to fulfill their significant responsibilities with fairness, impartiality, and respect for consumer privacy. As a consumer, I am entitled to ensure that my private information is protected, as supported by 15 USC 6801, which states that financial institutions have an ongoing obligation to respect the privacy of their customers and safeguard the security and confidentiality of their nonpublic personal information. 

XXXX, Experian and XXXX are consumer reporting agencies, and the OAG CHILD SUPPORT is a financial institution as defined under this title. According to 15 USC 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish a consumer report with the written consent of the consumer. I have not given my consentverbal, non-verbal, written, implied, or XXXX XXXX, Experian, XXXX or the OAG CHILD SUPPORT, and I am hereby revoking any and all previous consents. 

Furthermore, 15 USC 6802 ( b ) ( c ) specifies that a financial institution may not disclose nonpublic personal information to an unaffiliated third party unless the consumer has been informed of their right to opt out of such disclosure. The OAG CHILD SUPPORT has never informed me of my right to exercise this nondisclosure option. 

Additionally, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse information in a report if it is more than seven years old, except in the case of criminal convictions. The account in question is an adverse item being reported without my permission, which is unlawful. Furthermore, 15 USC 1681s2 ( A ) ( 1 ) ( A ) prohibits any person from furnishing information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate.

Finally, 15 USC 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of Section 1681c and to limit the furnishing of consumer reports to the purposes listed under Section 1681b. XXXX and Experian are failing to maintain such procedures. Additionally, 12 CFR 1016.7 states that a consumer may opt out of reporting services at any time. I am hereby exercising my right to opt out of your reporting services.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

1 ) I resumed my mortgage payments after being on forbearance due to temporary loss of income from the covid-19 lock down. I applied for and received the FHA National Emergency Standalone Partial Claim. After receiving a credit alert, I see this has been reported to the credit bureau as " Loan modified but not under a federal government plan ''. This is not true, it was a federal government plan, it should not be reported to the credit bureaus.

2 ) I began making payments to this company in XX/XX/XXXX after my mortgage was sold to them. I have not missed one payment, other than while on forbearance. When I went off of forbearance in XXXX, they did not allow me to make a payment in XXXX because the paperwork for the stand alone needed to be completed first, and they did not penalize me or attempt to collect the month of XXXX. Now I see they have reported a missing payment for XX/XX/XXXX on my credit report. 

I have attached a copy of the letter sent to me that shows I was granted the FHA National Emergency Standalone Partial Claim, as well as a screen shot of my XXXX credit report showing the missing payment and incorrect loan modification report.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KS)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

Upon reviewing my Consumer credit report, I noticed that your agency has violated multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 and 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Specifically, your agency furnished reports in connection with credit or insurance transactions that I did not initiate ( inquiries ).

According to the law, a consumer reporting agency may only provide a consumer report for credit or insurance transactions not initiated by the consumer if : ( A ) The consumer authorizes the agency to provide the report, or ( B ) ( i ) The transaction involves a firm offer of credit or insurance.

Furthermore, except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish records of inquiries related to such transactions that the consumer did not initiate.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person obtains a consumer report under false pretenses or knowingly without a permissible purpose, they are liable for actual damages suffered by the consumer or {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded by the court.

Your agency is in violation!

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 2024-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Neon Newco Corporation (IA)

I had a problem trying to get money off my, NetSpend card it was worn, so.i ask to.get a replacement card which I had another NetSpend card after talking to the representative, he activated my new card on XXXX XXXX, but was never able to release my funds off my other card ending in XXXX card ending in XXXX, so I sent them the information about XXXX, to XXXX times always the same answer, your funds will be released in about XXXX to XXXX hours, never release my funds, I've changed to, XXXX  after talking to the S.S office sent my information faxed to NetSpend, to make sure they received it in which they did I got the fax confirmation number, but they told me the need day to send it again, and again, but nothing changes, please help me to retrieve my XXXX money ... XXXX XXXX XXXX
Consumer complaint received 2016-04-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

I launched a dispute against Equifax on XX/XX/XXXX regarding the below accounts : Case ID : # XXXX -- {$2500.00} XXXX County Clerk XXXX XXXX XXXX XXXX, NY XXXX Case ID : # XXXX -- XXXX XXXX County Supreme Court XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY The following items are inaccurate because I have satisfied the accounts, and the courts failed to issue a formal tax lien withdrawal notice. Additionally, I would like it removed under the new fresh start policy of the IRS. I meet all of the qualifications and eligibility, per the IRS notice on XXXX, XXXX XXXX, XXXX, states in pertinent part : Tax Lien Withdrawals The IRS will also modify procedures that will make it easier for taxpayers to obtain lien withdrawals. Liens will now be withdrawn once full payment of taxes is made if the taxpayer requests it. The IRS has determined that this approach is in the best interest of the government. To speed the withdrawal process, the IRS will also streamline its internal procedures to allow collection personnel to withdraw the liens. 

On XXXX XXXX, XXXX, Equifax indicated that they had no record me previously filing a complaint regarding the above accounts. And indicated that I would received a notice within 30 days. After reading the response, I logged into the Equifax website and download proof that indicate my previous attempts regarding the above accounts. I have attached proof that Equifax did not investigate my concern properly, and I want these account removed from my credit report.
Consumer complaint received 2016-12-11
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Receivables Management Partners, LLC (FL)

I have XXXX medical debts that were not paid by my ex spouse without my knowledge prior to the divorce. Now I am earnestly trying to correct this and want to pay the debts in full in exchange for the collection being deleted from my credit report. XXXX XXXX & XXXX are very resistant to removing the collection from the credit report and communication is impossible. I have called them, written letters and had the original doctor 's office contact them on my behalf. They will not accept full payment in exchange for credit report removal of the collection. What can I do to not be a victim of the Collection Company just as I was a victim of my ex spouse. I just want to improve my credit rating.!