davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc. (FL)

In XX/XX/year>, I requested removal of the PMI charge from my monthly mortgage payment for my FHA loan. The value of my property has increased substantially. Based on the new market value and appraised value I now meet the 20 % requirement and requested early discharge of the PMI. In response, the mortgage company alleged I had a record of late payments. However, that response is not reflected on my monthly statements nor has any late payment been reported to the 3 major credit reporting companies. 


Nationstar Mortgage d/b/a Mr Cooper XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-14
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: Experian Information Solutions Inc. (CA)

This account was previously disputed and was removed by another creditor because it was found to be a fraudulent account. This account was sold them reappeared on my credit report after it was previously removed attached is a letter for this account stating that it will be removed from my credit a apart of their investigation. I demand that this item is removed immediately. 

XXXX XXXXXXXX XXXX Original creditor : XXXX XXXXXXXX
Consumer complaint received 2024-03-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (OH)

I was {$2700.00} in fees behind on my mortgage payment stemming from {$2700.00} being charged to me when they tried to foreclose in XXXX. I paid all of that back in XXXX / XX/XX/2024 & was all caught up. I spoke to Freedom Mortgage several times on the phone ( Im sure I have the calls recorded ) & they assured me they would assign the {$2700.00} to " fees. '' Well lo and behold, they didnt. Its still showing {$2000.00} in fees owed AND a $ XXXX late fee - because the " fees '' - the money I paid in PLUS my regular mortgage payment, was never correctly assigned. 

THIS IS A GOD XXXX COMPANY AND THEY ARE XXXX XXXX XXXXXXXX. IVE BEEN ON THE PHONE WITH THEM COUNTLESS TIMES AND THEY AND THEIR REPS ARE THE MOST UNDER-TRAINED AND INCOMPETENT PEOPLE IVE EVER TALKED TO. THEY ARE DOING THIS TO CHEAT ME OUT OF MONEY DESPITE THE NUMEROUS TIMES IVE BROUGHT THIS TO THEIR ATTENTION.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (NV)

I have two accounts that has been affecting my credit for almost 6 years and I called the company to get that dispute and remove because its a affecting my credit report I tried multiple times to call them and get this problem solved but they deny any any information they say they do not have any account with my information, but it keeps showing on my credit report
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I have an authorized user account on my credit report. I've asked Equifax and XXXX to remove it as I'm not responsible for this account. I've been requesting they remove for months. XXXX says they removed me from the account in XXXX XXXX. However, it is still showing up on my Equifax credit report.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2021-08-19
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: Block, Inc. (PA)

Contacting y'all back about case XXXX like I say I did contact XXXX, XXXX and your agent from cash app told me that y'all already made a dispute for XXXX XXXX  and case number was XXXX.
Consumer complaint received 2024-02-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC (FL)

I do not have a written contract with this company where they say how old is alleged that I asked them to produce debt validation statements are not acceptable I also request a forward flow agreement and or purchase agreement that lets me know I owe this alleged that if this can not be produced this shall be deleted from our credit report immediately see attachments below.
Consumer complaint received 2024-03-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

There is no option to make a principal only payment on my Navient student loan. When I pay online, I see no option to make a principal-only payment. So either Navient has none and is violating the rules on prepayment penalties or they expect me to call them everytime I want to make a principal only payment. I borrowed {$25000.00} in 2001 for law school. The interest which has accrued and has been paid on this loan is {$46000.00}. Yet, they say I still owe over {$32000.00}. This is usurious to say the least but my complaint is that there should be a button I can literally press online to say I want to make a principal only payment and there is not. They make it literally harder for people to get out of debt. This needs to be addressed. At the rate I am making my payment, I won't be able to pay the debt off for another 9 years. The interest on my loan is currently 11 %. It is outrageous. That is unacceptable. They need to have a principal only option online payment option.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

HI, I cant believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, its more than 60 days. I need these accounts deleted or updated. These are the items I'm demanding to be deleted immediately : XXXX XXXX XXXX XXXX XXXX date- XX/XX/XXXX I did not authorize nor do I have knowledge of this inquiry XXXX XXXX XXXX XXXX XXXX XXXX.. on behalf of XXXX XXXX XXXX Inquiry date- XX/XX/XXXX I did not authorize nor do I have knowledge of this inquiry
Consumer complaint received 2024-03-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX, I paid {$5100.00} to XXXX XXXX XXXX XXXX  for time sensitive legal services using my American Express card. However, XXXX XXXX failed to provide the agreed upon services. Thus, I asked American Express to stop payment. 

XXXX XXXX did not disagree that they failed to provide services. However, American Express has made a series of errors in which I have been billed XXXX times for services in the amounts of {$5100.00} ( XX/XX/XXXX ), {$5100.00} ( XX/XX/XXXX ), and {$5100.00} ( XX/XX/XXXX ) ; then credited on XX/XX/XXXX and XX/XX/XXXX in the amounts of {$5100.00} each. This means I still owe {$5100.00} for services that I did not receive! American Express refuses to correct their mistake. 

My phone calls to American Express have been useless. 

This is no way to treat a rewards member.
Consumer complaint received 2024-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC (TX)

What I have done to resolve the issue : I have called Selenes Customer service monthly since XXXX of 2023. This is the only way they have available for contact. They do not have a email. I have sent a couple of letters but I have not heard from anyone. 

XXXX received my house payment for XXXX, XXXX, and XX/XX/2023 and then they Reversed the payment to make it seem that I was late in paying my mortgage which resulted in XXXX in late fees. I have documentation from my credit union showing no return amount to my account. 

I have always used auto pay with XXXX. In the third quarter of 2023 XXXX updated their website and they kicked out my auto payment of XXXX for XX/XX/2023. Not realizing this until XX/XX/2023 I made XXXX payments on XX/XX/2023. XXXX for XXXX and XXXX for XX/XX/2023. XXXX customer service said they would take the late fee of XXXX off my account. Since this time XXXX is still saying I did not pay the XX/XX/2023 payment and has been charging me late fees and showing I am late on my credit report. I have never been able to set up my auto pay through them so now XXXX auto pay through my credit union. 

XXXX is showing me in bankruptcy. I am not in bankruptcy. I have asked them to remove that from my account. They say they will but have never done so. 

XXXX sent a letter stating that I could cancel my PMI since I owed less money on my house. I called and asked them to remove it. They said they would and then I received a letter stating I could not cancel the PMI because I am late on my payments. I am not late on my payments.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (NC)

I have not supplied proof under doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Consumer complaint received 2024-02-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I applied for PSLF on XX/XX/XXXX. I had all my federal loans with MOHELA for years and was current on my XXXX. The company indicated on XX/XX/XXXX, that I made 120 qualifying payments and put my account in forbearance. There was no other clear communication. I called the company to clarify how long it would be for my debt to be discharged under the rules of PSLF, and a staff member indicated that it would be sometime in the coming months. Its now the end of XXXX, and all thats happened is my debt is still in forbearance, which was extended through XXXX. Neither MOHELA nor FSA are providing any information other than that my account needs 90 business days to be reviewed. FSA confirmed that they see I made 120 qualifying payments on qualifying loans and also indicated it would be 90 business days. This is not what PSLF states as far as program rules. Borrowers are told that their debt is forgiven after 120 qualifying payments. In my case, its been 4 months since my final PSLF payment ( and I made 3 more months of qualifying payments while waiting for initial processing ), and my application is still not processed. The question is who benefits from this behavior? It is not the borrower. 

My life is on hold until this debt is forgiven under the terms of the program, and I expect MOHELA continues to get paid by the Department of Education for managing my account even though my final payment should have been XX/XX/XXXX. This is unacceptable.
Consumer complaint received 2024-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT BUREAU OF LEWISTON-CLARKSTON, INC (WA)

In XX/XX/2024, XXXX XXXX XXXX XXXX XXXX began the garnishment process on a previous judgment for {$1500.00}. I immediately contacted them to settle the debt. During a recorded call, I repeatedly asked if paying the judgment amount would close the related collection accounts and was assured it would. 

On XX/XX/2024, I received a letter demanding full payment within 72 hours. This included the originally settled collections, surprisingly listed with a {$0.00} principal balance but accruing interest charges totaling {$150.00}. It is concerning that interest is being applied to a zero balance. Confused, I contacted the company. On XX/XX/XXXX, a representative explained these were " garnishment fees '', despite never mentioning this during the original settlement. Their tone was rude, and they pressured me into full or partial payment to avoid these fees. This contradicts our previous agreement. 

I suspect this company is engaging in deceptive practices and potentially violating the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2024-02-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (NC)

I feel that they are over charging on their late fees. 
They have this on my billing statement ... ..... 
If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to {$41.00}. 
If you make only the minimum payment each period, you will pay more in interest and it will take longer to pay off your balance.
Consumer complaint received 2024-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc. (SC)

I recently reviewed my credit report and I noticed that you have furnished fraudulent activity on my report. The account Carter-Young XXXX does not belong to me. I have previously requested proof of the alleged debt however you was not able to provide me with any physical evidence bearing my signature on a consumer contract. According to 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I demand the immediate removal of this account from my credit profile.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I just turned XXXX and I want the XXXX XXXX XXXX XXXX XXXX Ive done my research and its the best card for beginners and I love the benefits that I read. 
My real first name is XXXX, ( I go by my middle name ) my older sister is named XXXX, When we came into the XXXX we got the exact same social security number except just XXXX digit is different, for example : I could be XXXX, she could be XXXX, very similar but XXXX number is different. XXXX keeps denying me for not being able to prove my identity and thats when I realized Experian thinks Im XXXX. I call every single day, I try to dispute and nothings works. Each representative tells me, submit your social security number online and it will be fixed I legit did that, I got an email saying my first and last name was fixed, when I clicked on it it told me could not find you I was lied to. Experian security is horrible. How can you not tell us apart???? We have completely different middle names, we have different birthdays and were 5 years apart. The fact that even if our social security is almost the same but they cant tell the difference in XXXX number tells me how easy it is to impersonate someone. Experian has not been able to help me what so ever and Im losing my patience. It is not fair to me. I am my own person and I need my personal information fixed now.
Consumer complaint received 2024-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally dispute certain items on my credit report maintained by your agency, as I have discovered inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). I request a thorough investigation and prompt resolution of the following discrepancies : Inaccurate Reporting : Upon reviewing my credit report, I have identified several entries that contain inaccurate information. These inaccuracies undermine the integrity of my credit profile and adversely affect my financial standing. 

Failure to Provide Accurate Information : The reported information does not accurately reflect my credit history, and as a result, it misrepresents my creditworthiness to potential lenders and creditors. This constitutes a violation of my rights under the FCRA, which mandates the fair and accurate reporting of consumer credit information. 

Lack of Verification : It appears that proper verification procedures were not followed in reporting the information in question. The FCRA requires credit reporting agencies to ensure the accuracy of the data they collect and maintain. Failure to verify the accuracy of reported information is a violation of this requirement. 

I request that you conduct a comprehensive investigation into these discrepancies and take appropriate action to rectify them in accordance with the FCRA. Furthermore, I urge you to review your procedures for ensuring the accuracy of reported information to prevent similar errors in the future. 

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-03-27
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: LEXISNEXIS (OH)

XXXX I disputed to validity of the Chapter XXXX Bankruptcy United States Bankruptcy XXXX XXXX XXXX XXXX Ohio XXXX Reference number : XXXX, Date : XX/XX/XXXX and the accuracy and completeness to which Lexis Nexis obtains their information through third party websites like PACER and requested a reinvestigation to verify the validity of the record through the 1st party furnisher the United States bankruptcy XXXX XXXX 

According to Lexis Nexis records their investigation was completed on XX/XX/XXXX and I never received a response or notice in writing or over the phone regarding my dispute until I followed up on it and requested a copy be mailed to me to which I didn't receive until XX/XX/XXXX in the mail which is well outside of the 5 days required by federal law to provide the consumer with the results of a reinvestigation. It is also outside of the timeframe in which they have to provide me with the full procedure of the process that was taken to complete the investigation. Lexis Nexis has violated my rights as a consumer and the standards of the METRO2 Compliance code. Per federal law they must DELETE ALL records associated with or in connection to the Chapter XXXX Bankruptcy United States Bankruptcy XXXX XXXX XXXX of Ohio, Reference number : XXXX, Date : XX/XX/XXXX, regardless of the results of their investigation due to failure to comply with the FCRA reinvestigation requirements to provide adequate notice of the results and complete a full and complete investigation within 5 days of the completion of an investigation. Also, I was not provided with a clear determination as to how the record was verified in the investigation results that were received well after the legal timeframe.
Consumer complaint received 2023-08-30
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. (MD)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-04-24
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 recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Employer - XXXX  XXXX  Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX  Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  - XXXX XXXX  - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, 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. (MO)

Im having trouble receiving my consumer report from equifax. On XX/XX/2022 I call Equifax to get my consumer report mailed off to me and they told me they couldnt do that because they needed a cover letter, Social Security and my driver license so they can send my summary report. I also send attachment of my ID social and a cover letter to them so I can get my consumer report.