davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Finance of America Mortgage LLC (VA)

Finance of America deliberately let the rate lock expire ignoring my numerous follow ups about their failure to contact the appraisal company to get it expedited. After my appraisal was completed 6 days before lock they wasted more time to add more Originate fee to my leaving me with no option but to pay. Basically forcing me pay the fee with no option. 
Looking at other reviews this seems to be the loophole they are using to let lock expire so they can charge more fee. I have complete documentation with clear time-stamps of my follow ups and their responses. Also they fail to respond to most emails in time and even if they which are ambiguous.
Consumer complaint received 2017-02-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NM)

I am currently in a law suit initiated by OCWEN LOAN SERVICING LLC on XXXX/XXXX/2015. I am in Discovery and am finding discrepancies in the documents filed by OCWEN as inconsistent with proper documentation. ie assignments signed and notarized by robosigners XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX, Redacted copies of a Note, Mortgage and attestations under Notary in presentation of their Discovery not having correct name ... A I do not want to lose a house when a Plaintiff appears under false pretenses regardless of duplicity or ignorance. I paid the mortgage off previously with XXXX and was not acknowledged.
Consumer complaint received 2016-09-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION (VA)

I was basically bullied into leaving this University. I was lied to about my completion rate at the beginning of my last quarter at this school. I was told if I got C grades or higher for full time, my completion rate would be in good standing for a federal student loan. By the end of the quarter, this person who lied about my completion rate suddenly disappeared without a trace. Although my GPA was raised as promised by me completing the credits needed, the completion rate was not high enough to get the money I needed to continue at the University. They tried very hard to keep my grades lower than a C, but I worked so hard that they had to give me C 's for my, what was A work. I filed numerous complaints about these grades, but no-one seemed to care, if they listened at all. When I brought up the teachers being on a separate payroll by failing 64 percent of students at this school, it was game over for me. They refused to grant my personal loan with Sallie Mae even though I was approved. They held the loan money too long, and discharged me from the University. I feel as though I did my part, but they did not follow up at all with their end, and tried everything to have me quit. When I did n't, they just hit below the belt because I had nothing, and was vulnerable. They are still trying to make me pay some random fee now, a year later, even though I am in a tremendous amount of student debt. It is my understanding that this University was under investigation twice by the XXXX during my enrollment.
Consumer complaint received 2017-03-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAB Receivables, Inc. (GA)

CAB Collections failed to investigate an alleged bill from XXXX and entered it on my credit report in XXXX as a new debt for collection. I contacted the collection agency to verify charges and the did not. Instead they sent it to the credit bureau two days after my call. I also contacted the medical center there were several charges that were entered not a part of my last visit to the doctor. There were unexplained charges with some charges that were duplicate on same day of visit. It appears I was being over charged by the medical billing dept and the collection agency never investigated my dispute. They demanded payment and listed it on the credit bureaus without due process.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I tried the automated line for Equifax and XXXX, and I was denied my credit report. I called Equifax and answered " none of the above '' on XXXX of the questions, and it said I was denied. I tried XXXX more times and was denied each time. Then, I called XXXX and it was the same. I called XXXX first, and they are sending me a credit report. I need to get all of the three credit reports to check my credit, since there was a data breach.
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XXXX XXXX, XXXX, I disputed a report of a tax lien that was reported on my Transunion report by XXXX. My credit report of XXXX XXXX, XXXX, file number XXXX shows this item was deleted from my credit file. Now I notice this item has been reinserted on my credit report as of XXXX XXXX, XXXX file XXXX. FCRA 611, Procedure in case of disputed accuracy [ XXXX. XXXX ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CT)

THERE ARE INQUIRIES DONE ON MY CREDIT THAT I DID NOT AUTHORIZE. WHEN CONTACTED CREDIT BUREAU BY PHONE THEY STATE THAT THE INQUIRIES ARE VALID AND THEY DONT HAVE TO PROVIDE PROOF FOR THE INQUIRIES. I HAVE NOT DONE ANY INQUIRIES ON MY CREDIT IN XXXX OR XXXX. THESE INQUIRIES NEED TO BE REMOVED FROM MY CREDIT ASAP. I SHOULD NOT HAVE TO WAIT 2 YEARS FOR INQUIRIES TO BE REMOVED THAT I DID NOT AUTHORIZE NOR DO.
Consumer complaint received 2024-09-15
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : FCRA Violation Misuse of Credit Report Dear Equifax, I am writing to formally address a serious concern regarding the misuse of my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

I discovered on my credit report that your company closed my revolving positive credit card account that I've had for over a year, and it is in good standing 's nobody gave you the right, or written consent to close that account. That account is not closed on my XXXX, or XXXX report. Clearly this is misusing of my credit report which is a violation of the Fair Credit Reporting Act. This incident has caused me significant distress and XXXX negatively impact my creditworthiness. 

Under the FCRA, I have the right to dispute any inaccurate or unauthorized information reported on my credit file. I kindly ask that you fix, and restore my account at your earliest convenience. I request a copy of any documentation that supports the access to my credit report. 

Please confirm receipt of this letter and provide me with updates regarding your investigation. I expect a response as required by the FCRA. 

Thank you for your immediate attention to this matter. 

Sincerely CFPB PLEASE MAKE EQUIFAX FIX MY ACCOUNT AND CREDIT SCORE CLEARLY Misuse OF MY CREDIT REPORT
Consumer complaint received 2016-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc. (OH)

XXXX Rental Car refused to accept the payment as agreed, then sent me to collections. I have since settled the issue with XXXX Rental Car directly, yet the collections agency is still claiming I owe the money. 

On Thu, XXXX XXXX, 2016 at XXXX XXXX, XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : To : XXXXXXXXXXXX From : Customer Service Date : XXXX/XXXX/XXXX XXXX PM Subject : XXXX, Case # XXXX Hi XXXX XXXX ; Thank you for the letter regarding your XXXX XXXX, XXXX rental out of the XXXX XXXX Florida XXXX location, agreement # XXXX. 

I have reviewed the information provided and found I can still apply the coupons for you if you would mail the original coupons in to us. You may mail them to : XXXX Rent A Car Attn : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Once received I will be able to apply the coupons and take care of the outstanding balance left from your rental charges. I 'm sorry for any inconvenience you may have been caused. Thank you for choosing XXXX Rent A Car. 

Sincerely, XXXX XXXX Customer Service XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX : XXXX |F : XXXX XXXX, I will send you the coupons via certified mail the next time I am home. 


Sending me to collections has been more than an inconvenience, it is harassment that has cost me plenty of time and money. I hope that you are able to close this issue once and for all. 


Thank you, XXXX XXXX XXXX/XXXX/XXXX XXXX Case XXXX XXXX XXXX Dear XXXX XXXX, Thank you for contacting the XXXX E-mail Customer Service team regarding the requested coupon. 

We apologize for the inconvenience caused, please be assured when the coupons are received the adjustment will be completed as promised. 

If we can be of further assistance, please let us know. 


Kind Regards, XXXX XXXX Customer Service Representative XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; XXXX XXXX ( XXXX minutes ago ) to XXXXCustomer. 
XXXX XXXX XXXX, Today I received a collections notice from AWA collections dated XXXX XXXX, XXXX with '' proof '' that I still owe this debt. I sent in the coupons as agreed ( via certified mail ) a full month ago, you agreed that I no longer owe this debt. 

I do not owe this debt, and by copy of this email chain XXXX Rental Car also agrees I do not owe this debt, yet a full month later I am still am receiving collections notices. 

This is harassment and it is very illegal. I would suggest you make this harassment stop very quickly. 

Thank you, XXXX XXXX
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MI)

Experian refuses to conduct their own proper investigation and to honor a District Court order ( XXXX District court, XXXX XXXX Mi. XXXX ) directing the deletion of XXXX charge-off 's from XXXX XXXX BXXXXnk XXXX XXXX and XXXX XXXX credit cards. I had filed lawsuits against XXXX and XXXX and due to these lawsuits my accounts went into a charge-off status. However, the lawsuits were settled and as part of that settlement agreement the entire trade-lines were to be deleted from my credit reports. ( see attached settlement documents ). 

However, Experian refuses to honor the court order. Here is the latest dispute letter I have attached the Settlement agreement with XXXX ( SEE page XXXX half way down ) directing removal of trade line. 
Additionally, I have Provided Experian with the case number, Court phone number to verify the terms of the settlement. but they have refused to investigate
Consumer complaint received 2016-09-21
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I sent a letter requesting proof that this account was in fact mine because I did n't recall the account. Once they sent me the information and I realized that it was my account I noticed that they were reporting the account open date as being the date that I spoke to someone from the collection company about the account. The open date should be reported as the date the account originally started with the original company. I would like for them to correct this.
Consumer complaint received 2024-10-21
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 have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2017-03-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Accounts Service Team Inc. (MS)

i recently received a copy of my XXXX credit report on XX/XX/2017 from which a collection was added without receiving any written communication of the above debt, which caused my credit score to drop XXXX points..
Consumer complaint received 2017-02-14
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Cottonwood Financial Ltd. (IL)

XXXX contacted my parents on XXXX/XXXX/2017 demanding that I pay my debt immediately. My parents contacted me and I contacted the agency. They demanded that I pay the debt owed by today XXXX/XXXX/2017 or they would be forwarding my case on to the county. The amount owed is {$280.00} and they are stating they can sue me for up to {$3000.00} including court cost and attorney fees. When I asked why I had n't been receiving any mail on this matter they stated they had been sending it. When i requested to what address they stated an old address for me and told me it was my fault that they did not have a current address. They are also accusing me of purposefully defrauding a financial institution. I have paid {$600.00} on this debt to date. They also claim that they are a mediation service, never stating directly that they are trying to collect a debt. They also claim to have recordings of all of our conversations but do not have a phone call monitoring disclosure.
Consumer complaint received 2024-10-21
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. (AZ)

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 Section 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 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I'm escalating my concerns with the CFPB as it appears that NO investigation has taken place into the matter and Experian is not following the appropriate procedures as set forth by the Fair Credit Reporting Act. 


I am writing to formally dispute inaccurate information that is currently being reported on my Experian credit report. The inaccuracies have resulted in an adverse rating, which I believe is unjust and has significantly impacted my credit standing. 
Specifically, I am disputing a late payment reported for XX/XX/XXXX for the following account : XXXX. Account Number : XXXX Under the provisions of the Fair Credit Reporting Act ( FCRA ), 611 ( a ), I request a reasonable reinvestigation of this disputed item. It is critical to note that the FCRA mandates that a Credit Reporting Agency ( CRA ) must conduct a thorough reinvestigation and must review and consider the information provided by the consumer. Clearly, I have provided payment receipt that shows the payment was made on XX/XX/XXXX. Yet Experian claims to have done a reinvestigation and the disputed item was updated however nothing happened. This obligation requires the CRA to exercise independent discretion to evaluate the validity of the consumers dispute.

Furthermore, the reports required by said 1681i apply solely to " transactions or experiences between the consumer and the person making the report. '' 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ). In light of this provision, I request that you expunge the inaccurately reported late payment for the account listed above.

The leading case that highlights the qualitative standard for a reinvestigation is XXXX XXXX XXXX XXXX, decided by the XXXX XXXX in XXXX. In this decision, the court emphasized that the " grave responsibility '' imposed by 611 ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a " reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations contemplated by the statute.

Enclosed with this letter is a copy of the payment receipt for XX/XX/XXXX, which serves as supporting documentation for my dispute. 
Please send me a written statement confirming the completion of your reinvestigation and any changes made to my credit report. Additionally, I request a copy of my updated credit report once the inaccuracies have been corrected. 
Thank you for your prompt attention to this matter. I look forward to your swift response and the correction of these inaccuracies. 
Sincerely, Enclosures : Payment receipt for XX/XX/XXXXXXXX XXXX
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have an extended fraud alert on my credit file as I 've been the repeated victim of identity theft since XX/XX/2016. Despite this fraud alert an individual, XXXX, the finance manager at XXXX XXXX ( XXXX XXXX XXXX XXXX , XXXX, IL XXXX # XXXX ). repeatedly attempted to secure a loan through XXXX banks XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX for a brand new Chevy Corvette. I became aware of this on XX/XX/2016 when I received a phone call from the dealership and the XXXX loan officers. As is not standard when authorizing a hard pull XXXX accepted an inbound, not outbound, call and spoke to the criminal using my identity to secure information to make an inquiry on my credit. The individual ( s ) at XXXX XXXX should have notified the XXXX Police Department immediately as they could have potentially apprehended the criminal using my identity fraudulently - instead XXXX and the unknown salesperson continued to try and gain access to my credit and get the loan financed. This violates the fraud alert and compromises my identity and safety even further. XXXX needs to immediately work with TransUnion and have this inquiry on my credit removed. I 've filed an additional police report with local law enforcement.
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contacted XXXX XXXX to request proof of validation regarding to the account # XXXX. The furnisher was unable to locate anything related to the account due to the fact that it was never late. According to them, XXXX XXXX could not find any validations or information on their files pertaining to this account. I do n't quite understand why the bureaus continue to verify these late payments, when in fact they were never validated by the original creditor. According to section 623 of the FCRA, the CRA 's are required to remove this account from my credit report due to the fact that it 's not accurately reported. In addition, pursuant to regulation Z, TILA, and the Credit Billing Act, set forth CRA is required to cease and decease all negative reporting including the late payments. In accordance with section 611 of the FCRA, all of the parties involved are required to comply accordingly