davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc. (CA)

FCI is the loan servicer XXXX XXXX is the borrower The loan is a HELOC The loan was interest only from XX/XX/XXXX-XX/XX/XXXX In XX/XX/XXXX the loan was to be adjust to a fully amortized P & I schedule using a rate of 3.25 % plus 50 basis points or 3.75 % The unpaid principal balance at that date was {$37000.00} The borrower was in her XXXX when the loan was supposed to be adjusted from interest only to P & I in XXXX. 

The loan servicer never adjusted the loan in XXXX to P & I in XXXX and continued to bill the loan as an interest only product and continued to raise the interest rate on XXXX XXXX when it was supposed to be capped in XX/XX/XXXX. 

When it was discovered that the loan was not being billed according to the promissory note, FCI decided to start the P & I calculation in XXXX using the current interest rate of 5 %. 

We do not understand how a lender can make several errors in providing loan processing services, 1 ) not giving proper notice in XXXX and adjusting the loan according to the loan agreement 2 ) and then adjusting the loan in XXXX when the interest have risen and using the higher rate in their favor. 

Does this mean if they didn't discover the error for another five years and the interest rate is now 8 %, that they could arbitrarily use 8 % and gain a significant financial advantage due to their own mismanagement of the account? 

We find this to be an abuse of their fiduciary responsibility to the borrower and elder abuse.
Consumer complaint received 2018-07-29
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 — Investigation took more than 30 days
Company: Onity Group Inc. (NJ)

My mortgage company continues to report multiple negative late payments on my mortgage account even though they were paid on time and after several dispute reminders they fails to update the information under fair credit reporting act which is causing me great harm I'm refinancing my mortgage and low credit scores. 
Ocwen loan servicing llc XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX DOB XX/XX/XXXX SS # XXXX my loan # is XXXX XXXX late reporting XX/XX/XXXX & XX/XX/XXXX60 days late XX/XX/XXXX & XX/XX/XXXX90 days late XX/XX/XXXX 30 days late XXXX  XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX120 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 120 days XX/XX/XXXX, & XX/XX/XXXX 90 days late XX/XX/XXXX 30 days late XXXX XX/XX/XXXX 120 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX 120 & 60 days late XX/XX/XXXX, XX/XX/XXXX 90 days late XX/XX/XXXX 30 days late
Consumer complaint received 2024-10-05
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. (FL)

In accordance with the Fair Credit Reporting act XXXXt : Inquiry on XX/XX/year>XXXX XXXX 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 2018-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CA)

I had a XXXX XXXX credit card issued by XXXX. XXXX XXXX was sold and the credit card program was cancelled. My account was closed in XX/XX/2018 with a XXXX  balance. 

Months later, XXXX processed two refunds to the account : on XX/XX/2018 ( {$1800.00} ) and on XX/XX/2018 ( {$440.00} ). I received no notice from XXXX when the credits were made. On XX/XX/2018, I received an email from XXXX that I had a {$2300.00} credit on the account. I called and asked how I access the funds since the account is closed. I was told I could have the funds deposited in my bank account or received a check, both of which would require a 21 day waiting period. 

Between the delay in notifying me and the 21 day waiting period, XXXX will hold my funds for five weeks ( presumably earning interest ). I think that is unreasonable and that XXXX should be required to deposit the money into my bank account.
Consumer complaint received 2018-07-29
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 — Investigation took more than 30 days
Company: World Omni Financial Corp. (FL)

This vehicle loan was transferred to recovery was a voluntary return do to health issues. XXXX XXXX was paid on this vehicle by reselling it in fact the balance is wrong. XXXX XXXX offered XXXX dollar settlement. Later was a verbal phone call of a XXXX dollar settled. But only have proof of a letter stating a XXXX dollar settlement which Ill take a picture of for proof and agreed to make payments on. The balance of over 16, 000. Is an incorrect balance
Consumer complaint received 2018-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am in ROUND 2 of asking the company to VALIDATE the accounts reported as ADVERSE. They tell me the account has been VERIFIED without showing me PROOF that they have information on file that bears my SIGNATURE. They don't have any proof that they have VALIDATED the debt is indeed MINE. If they do not have PROOF they have to remove it. I have been very specific in my letter. 

NOTE : They have until XX/XX/XXXX to prove this to me in round 2. They did not prove anything via ROUND 1
Consumer complaint received 2018-07-29
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: Onity Group Inc. (NJ)

my mortgage co reporting an error of reporting 30 days late for XX/XX/2017 payment which never happened and the payment was made on time but XXXX/ mortgage co did not correct the error after several reminders. 

mortgage co is : OCWEN LOAN SERVICING LLC LOAN # XXXX
Consumer complaint received 2018-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D2 Management LLC (NY)

I received a phone call from a woman claiming that I owed on an XXXX account in an amount exceeding {$900.00}. I have never owned such an account. The women was rude and tried intimidate me. They called from a XXXX number ( XXXX ) XXXX, even though they claimed to be in South Carolina.
Consumer complaint received 2018-07-27
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: 77 Elite (IL)

On XXXX A lady contacted me regarding consolidating my student loans via telephone and asked to call them back at XXXX. I called them back and informed them I am in the process of consolidating my student loans. The person who identified herself as XXXX XXXX informed me they would assist me in the process and that due to the " laws changing '' that I would need their support. She said she worked for " 77 Elite ''. She asked for my FSA ID and password, got into my account to look up my information regarding my student loans. She sent me an email with my current loan breakdown and told me she could be able to greatly lower my student loan payment and improve my credit score. She said in order for me to be able to consolidate my loans, they would need an upfront fee of {$990.00} for the service as nothing is for free. I told her I could not afford that, so she said I could pay it within 4 months. She asked for my debit card account information and immediately took {$240.00} out of my account. She emailed me documentation and told me to click to say I signed a document so that she could consolidate my loans for me. The documents are not notarized and the name of the company on the forms says " XXXX XXXX. '' I received two emails at the same time which I will upload, one stated they were the " Processing Team '' and the other one said " Processing Team, 77  elite on XXXX. '' I received a call from XXXX on XXXX from a lady asking for my social security number, and she would need it quickly in order to continue the process of my student loans. I received an email on XXXX requesting to sign releases of information to my 3 loan companies ( XXXX, XXXX XXXX, and XXXX  XXXX ), and requesting either my last two pay stubs or the first two pages of my most recent filed income tax report. I emailed the documents. After researching " loan scams '' I became very scared that this was a scam as there have been many " red flags ''
Consumer complaint received 2023-12-28
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. (GA)

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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 2018-07-27
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. (TX)

On XX/XX/2018. I disputed with the three credit reporting agencies accounts that were erroneously reported to my credit report due to Identity theft. Despite FCRA section 605b stating that a victim of identity theft with proper proof from a law enforcement agency should have the identified items blocked /removed in 4 days. the time of resolution has passed and I am being victimized all over.
Consumer complaint received 2018-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (PA)

I purchased special optical lighting products from XXXX XXXX, owner of XXXX, an online company selling special XXXX XXXX. They are located at : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX I sent the vendor 's representative, XXXX XXXX, a quote from a competitor company called XXXX XXXX for specific XXXX  lighting products. XXXX was able to beat that quote. XXXX XXXX promised to send XXXX products. XXXX XXXX charged {$6200.00} to my XXXX XXXX account. After taking my money, they did not send me XXXX lighting products, but they sent me their generic, low quality lighting products instead. I paid for the XXXX products in XX/XX/XXXX. Upon completion of contruction, XXXX XXXX sent the low quality products and I was able to test the products out in XX/XX/XXXX. Four bulbs burnt out immediately. These were not XXXX products. Their website stated to call for a return authorization number to return the products. We called, and they ignored all our phone calls. We returned the products to them and paid for the shipping charges. 

I called Citi cards to dispute the charges from XXXX XXXX. Citi Cards failed to investigate the problem and to credit my account for products that were not promised from XXXX XXXX. Citi Cards did not protect my purchase for the wronged products received. Citi cards is forcing me as a consumer to pay for the products that I did not received. I am asking you to investigate Citi Card 's policies and my rights as a consumer. Thank you for your time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX
Consumer complaint received 2018-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: General Information Services, Inc (NY)

On XX/XX/2018 i applied for a job at XXXX XXXX as an XXXX XXXX XXXX out of XXXX TX. On XX/XX/XXXX, i was given a verbal job offer from a hiring manager on condition of passing a XXXX screening and background check. I received an email from General Information Services asking that I provide my driver license number and social security number. A week later, I received an email from General Information Services requesting I sent a copy of my foreign passport from XXXX. I then received a form asking for my consent to run an international background check. The form asked for me to provide my XXXX National ID number. It is unclear what led GIS to believe i was in possession of a foreign passport and national ID number ( other than for discriminatory reasons ). I provided all requested documents and was told it would be investigated. I called several times to check on the status of my report, as international background checks are known to take some time. Each time I was told they had no information and were not required to provide me what they had. Eventually, on XX/XX/XXXX, I called the office of GIS and requested that I receive a copy of my report as it had taken more than 30 days and I was no longer interested in employment at XXXX because I was told I could not start if the background check was not finished. I was told a report would be sent to me and subsequently one was never sent, This is a violation of the FCRA and it is my fervent belief that I was discriminated against because of my religion and ethnic origin that I was forced to provide extra documents.
Consumer complaint received 2018-02-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: JPMORGAN CHASE & CO. (TX)

XXXX and an ex-family member received a phone call from the following number : XXXX from a XXXX XXXX. The woman will not tell me the name of the company she is with and continues to threaten to have me arrested. When I told her I was going to file a complaint against them and she needed to tell me the company name, she hung up on me.
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The first delinquency date for XXXX XXXX is reported as XX/XX/XXXX on my Transunion Credit Report. This account first became delinquent in XX/XX/XXXX and was transferred to collections in XX/XX/XXXX. This account is more than 7 years old and is not compliant with the 7 year statue of limitations for how long an account can report on credit per fair credit reporting act. This creditor has illegally extended the statue of limitations on the reporting of this account from the first delinquency date and this account should be deleted from my credit report.
Consumer complaint received 2018-07-27
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. (MI)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed item is listed on my credit report.

The following item is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

Item : XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX  Reason : NOT MY ACCOUNT Item : XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX Reason : NOT MY ACCOUNT It is my understanding that under law you have 30 days from the receipt of this letter to verify this item.
Consumer complaint received 2018-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (GA)

I opened an account with wells fargo to buy furniture for my daughter. she was to make the payments. she accidently made a double payment on XX/XX/XXXX and XX/XX/XXXX. i called on XX/XX/XXXX and spoke to a XXXX , who told me the extra payment would be credited back to my daughters account on XX/XX/XXXX. today is XX/XX/XXXX, still no credit. I called today XX/XX/XXXX and talked to XXXX and XXXX and was told it could take up to 10 business days to refund that money ... that's not what i was told by XXXX..wells fargo has been caught in shady business dealings recently and i'm afraid this might be another. my daugher isn't even sure she made a double payment by accident..just saw the money missing from her account..i told them i was contacting the ftc who referred me to this site.
Consumer complaint received 2018-07-26
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

( Experian, XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, ( Experian , XXXX  ) XXXX XXXX  /XXXX Account Number : XXXX, ( XXXX ) XXXX XXXX Account Number : XXXX, ( experian, XXXX, XXXX ) XXXX XXXX  Account Number : XXXX, ( Experian ) XXXX XXXX XXXX Account Number : XXXX, ( XXXX ) XXXX XXXX Account Number:4PUR87XXX
Consumer complaint received 2018-07-28
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. (TX)

The FCRA,15 U.S.C. Section 1692g ( a ), mandates in no uncertain terms thst a debtor has 30 days to dispute the validity of the debt.If the creditor can not provide sufficient evidence that the debtor was given adequate notice, the debtor must be given another 30 day debt validation period, and the creditor must provide evidence the debtor is liable for the accounts in question. 


XXXX XXXX XXXX  {$710.00}
Consumer complaint received 2023-12-27
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX has discharged ( canceled or forgiven ) original debt amount. Gross income is not part of credit report and is to not be reported. Per IRS Publication 4681 : Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ) Generally, if you owe a debt to someone else and they cancel or forgive that debt for less than its full amount, you are treated for income tax purposes as having income and may have to pay tax on this income. If you abandon property that secures a debt for which you are personally liable ( recourse debt ) and the debt is canceled, you will realize ordinary income equal to the canceled debt. You must report this income on your tax return.

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) An applicable financial entity has discharged ( canceled or forgiven ) original debt amount. Gross income is not part of credit report and is to not be reported. Per IRS Publication 4681 : Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ) Generally, if you owe a debt to someone else and they cancel or forgive that debt for less than its full amount, you are treated for income tax purposes as having income and may have to pay tax on this income. If you abandon property that secures a debt for which you are personally liable ( recourse debt ) and the debt is canceled, you will realize ordinary income equal to the canceled debt. You must report this income on your tax return
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, 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. (CA)

Re : Hard Inquiry/Unverified on my behave I recently checked my credit report with Experian, XXXX, XXXX. 
I have two Hard Inquiries from company : XXXX XXXX XXXX XXXX : XX/XX/2017 Second : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ( XXXX ) XXXX I called many times, left messages to XXXX XXXX XXXX spoke with different representatives, got the turn around.Gave my personal information again and again. I was told that they would forward the information to their supervisor to revise and report the correct information to Experian. Never received update at all from XXXX XXXX XXXX. 
I contact Experian directly to let them know.That the Hard inquiry needed to be reported correctly and Deleted from my credit report.But is still shows