davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
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: EQUIFAX, INC. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (NY)

On XX/XX/XXXX a registered security was submitted to this company 's Trustee for the purpose of satisfying the outstanding obligation pursuant UCC 3-603 and UCC 3-604 . A billing error notice was submitted and an instrument was tendered in good faith and with the intent to discharge the debt in full pursuant UCC 3-311. I gave beneficiary instructions along with the security stating to process the tender of payment with special endorsement for the principal account for satisfaction and discharge as well as cancellation pursuant the trust indenture for the issuer and registrar. I gave notice to fulfill fiduciary duties and perform, per the Trust Indenture agreement, Trust Indenture Act of 1939 and Securities Act of 1933. The IRS-accepted 1099-A was submitted to the company as well to legally set off the debt and my account was not adjusted properly. As a federally protected living consumer and investor, I'm exercising my legal rights and putting this matter on the record with the CFPB. I understand the importance of compliance with the SEC, XXXX, XXXX and XXXX rules and guidelines in relation to handling securities. So, once the forensic audit proves my XXXX number is being transferred, sold and traded and I obtain an accounting from the Department of Revenue on the public and private side, I'll file arbitration to prove my claim of securities fraud.
Consumer complaint received 2024-01-23
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Freedom Mortgage Company (TX)

I am writing to bring to your attention a highly concerning and frustrating experience I have had with Freedom Mortgage regarding the loan assumption process. My loan assumption process began on XX/XX/XXXX, with XXXX XXXX as the Point of Contact ( POC ). 
Despite an initial timeline commitment of XXXX days for the completion of the loan assumption, the process has been marred by numerous setbacks, causing considerable inconvenience and financial strain. 
On XX/XX/XXXX, I reached out to XXXX XXXX to inquire about the status of the process. In response, she called me and provided a new closing date of XX/XX/XXXX, a date that ultimately did not materialize. This failure to adhere to the communicated timeline has been a significant source of frustration. 
Compounding the issue, I was forced to cancel my homeowner 's insurance policy on XX/XX/XXXX since I can not continue to insure a property I do not legally own. XXXX XXXX advised me to obtain another policy effective for the new closing date of XX/XX/XXXX, which I promptly did. 
My attempts to escalate the matter by requesting XXXX XXXX 's supervisor 's contact information have been met with resistance. Despite multiple requests on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX has failed to provide the necessary contact details for her supervisor. 
This morning, after once again reaching out to check the status and requesting supervisor assistance for the third time, I received an immediate response from XXXX XXXX, informing me that my transaction had been assigned to another processor, XXXX XXXX. 
The lack of transparency, communication, and adherence to timelines throughout this process has been extremely disappointing. I find it unacceptable that I have had to endure multiple delays, financial strain, and inadequate communication. 
I am formally requesting a thorough investigation into the handling of my loan assumption process by Freedom Mortgage and immediate resolution of the outstanding issues. Additionally, I kindly request any assistance you can provide in obtaining contact information for XXXX XXXX, the new processor assigned to my transaction. 
I trust that the Consumer Financial Protection Bureau will diligently investigate this matter to ensure consumer protection and hold Freedom Mortgage accountable for their actions. I appreciate your prompt attention to this complaint and assistance in resolving the issues I have encountered.
Consumer complaint received 2024-05-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (MA)

Dear Sequium Asset Solutions XXXX XXXX XXXX XXXX XXXX  I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. You violated my rights rights under 15 USC codes sections 1692 d, e f g of FCRA/FDCPA. Remove from my credit report. You violated 1692d of the FDCPA by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action ; You violated 1692e of the FDCPA by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of 1692e ; You violated 1692e ( 2 ) ( A ) of the FDCPA with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client ; You violated 1692e ( 5 ) of the FDCPA by its threat to take any action that can not legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client ; You violated 1692g ( b ) of the FDCPA by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumers right to dispute the debt with the language it used in the Collection Letter ; and You violated 1692f of the FDCPA by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED XXXX XXXX XXXX  REPORTING INACCURATE INFORMATION ON MY REPORT. I CONTACTED THE CREDITOR IN REGARDS TO LATE PAYMENTS BEING ADDED TO MY ACCOUNT. THIS SECOND ATTEMPT TO RESOLVE THIS ISSUE. 

I HAVE NEVER BEEN LATE. LATE PAYMENTS HAVE BEEN ADDED TO MY ACCOUNT DUE TO BILLING ERRORS, WHICH IN VIOLATION OF 15 USC 1666B ( 4 ) The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement ( 5 ) A computation error or similar accounting error made by a creditor on a statement. 

THE CREDITOR FAILED TO FURNISH A STATEMENT 21 DAY PRIOR BUT FURNISHED LATE PAYMENTS. 

IN ADDITION, MY PAYMENT HISTORY HAS SHOWED ACCURATELY FOR THE PAST 2 YEARS. I CHECKED MY CREDIT REPORT AND 23 LATE PAYMENTS WERE ADDED RANDOMLY, WHICH ALSO IN VIOLATION OF 15 USC 1681E ( B )
Consumer complaint received 2023-09-22
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. (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 1681.

Account Name : XXXX Account NumberXXXX has violated my rights. Or a 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 2024-05-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC. (IA)

In working through a very long process of payment options with Navient for my account, since XXXX of XXXX, I was approached with a settlement offer this XX/XX/XXXX, that was not feasible. In reviewing my account during this process, it was discovered that the actual amount of money that was disbursed to XXXX XXXX XXXX  By Navient was less than the original value of the loan, that I had been paying exorbitant interest rates on since XXXX. I brought this to their attention, and stated that this changed the amount owed, and would change the settlement offer. In their response, they stated that accounting errors did not matter, nor would it change the settlement amount, that the info missing on percentage rates and the difference in loan value and disbursement no longer mattered since I was in default. ( due to bankruptcy ) As I disagreed with that statement, paying interest on a higher amount than actually was given to the college, was illegal, and would also change the amount of the settlement, because the settlement currently on the table was 37 % of what I still owed. I have paid XXXX dollars so far, the amount disbursed to my account starting XXXX was XXXX which they are stating was XXXX. ( all disbursement amounts are viewable on my portal, and they refused to look at the data, they stated that they, Navient doesnt make accounting errors, and I had to be wrong ) Though the data was coming from my Navient portal. They have refused to address that issue. Correspondence with this particular department of Navient, has been going on since XX/XX/XXXX, document requests and rectification of the accounting error was on XX/XX/XXXX via email, as well via phone conversations XX/XX/XXXX and XXXX. Navient was offered to accept a different amount of settlement, and disagreed every time, stating the errors in disbursed amount did not matter, and did not address it. As well as on XX/XX/XXXX, they quoted an interest rate they were charging me, that was actually lower than the charged amount on the XXXX documents,, ( the only accessible bills are XXXX ) They were very combative, unwilling to work with another amount, unwilling to look at the data, they degraded me, and blamed me for their errors. And said that none of this mattered. ( through out the life of loan, I continued to seek assistance to pay my loan with a better rate, the only program Navient would ever off me, was one, where they knew my loan would never be paid down, but they would continue to receive money from me monthly. ) Navient is stating I still owe XXXX, XXXX, though per data accessible to me I owe {$30000.00}, even with the XXXX dollars they have seen since repayment began.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (AK)

In XXXX of this year I wanted to get my free credit report from Experian. Their website did not make clear out to do this, and I accidentally wound up signing up for some service. I'm not totally clear actually what the service is, I thought it was putting in required information to get a free credit report, and they signed me up for their service. 

Since then, I have been charged {$14.00} every month by Experian. I've tried logging into their account to cancel whatever subscription I have, but their website either says that I don't have an account, or it says that it is having some kind of technical difficulties. Also, sometimes their website blocks access when I click on certain links. 

I've tried calling, but when I call it immediately asks me for my social security number, which I'm not comfortable giving to an automated machine, especially when I'm having this kind of dodgy trouble with the company. Other times, when I have tried calling numbers on their website, it just doesn't connect. 

I have also tried reaching out by email. They have been slow to respond, and are doing the same thing of asking me for my account information. I've never received any account information, but I'm still being charged by them every month. 

This has been extremely frustrating. I have no idea how I signed up for the service, and I have no idea how to cancel it. I haven't received any actual goods or services in the meantime. 

This appears to be intentional as a way to dishonestly get money from me while doing nothing in return. It is taking a long time to cancel because I'm busy and don't have time to fight through this ridiculous system.
Consumer complaint received 2024-05-17
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: Regional Management Corporation (TX)

I received a denial for credit dated XXXX XXXX from Regional Finance. I have not applied for credit at Regional Finance this year. I am a customer of Regional Finance but have not applied for a renewal or new loan. I have not authorized them to check my credit report. The lady I have been talking to has changed her stories now they will not reply to my email or phone calls. I feel like an employee was trying to scam me or steal money. Maybe set up XXXX accounts.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had two incident of unauthorized fund transfer from XXXX XXXX Bank of America Prepaid account. The first incident happened XX/XX/2023, I had a notification in my email about a fund transfer amounting to {$5000.00}. I notified the bank immediately upon discovering the unauthorized fund transfer, and filed a claim. I notified them that I was not the one who transferred the money. The bank denied my claim twice and did not give back my money. The second incident happened again XX/XX/2023 another unauthorized fund transfer of {$2800.00} I notified again bank of america and cancelled my card. Now i have 2 pending claims in bank of america but I still can not recover the money that was stolen from me. I tried to get the information of the recepient of the fund transfer but Bank of America says they can not provide me with details. This is clearly a fraud, it happened twice already but the bank keeps of denying my claim. After cancelling the card, i received another notification stating PIN change notification and fund transfer account update. I called bank of america again and informed them that I was not the one who changed my PIN and did the fund transfer update. Clearly, this is fraud. The bank clearly doesnt have anough security measures to keep this from happening. No one else has the access of this accouny other than me. hope they can investigate about this incident. I am on XXXX and these thieves keeps of stealing my money that I need for my XXXX. Alot of Americans deal with this kind of fraud. Please help me. Thank you
Consumer complaint received 2023-08-31
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. (TX)

I am submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (FL)

I don't recall having a contractual relationship with this collection company Ability Recovery Services LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-01-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ATG Credit, LLC (IL)

I would like to verify my debt and therefore I am writing to request an itemized bill for the XXXX XXXX or treatments associated with my account. I want to verify the accuracy of the debt and understand the details of the charges. 
Also I ask collector to provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful.
Consumer complaint received 2024-01-23
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TN)

I received two American Express gift cards for XXXX from my employer totaling {$150.00}. I have attempted several times to make a purchase at several online retailers and continue to get a declined message. I called customer service but all they did was verify the amounts. I am extremely frustrated.
Consumer complaint received 2024-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

IS U.S. Code $ 1681c-2 a consumer reporting agency shail block the reporting of any Information in the fle of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipe. it has been 30 days and you are in VIOLATION of this law because I am a victim of identty theftil Please delete these items IMMEDLATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 US Code 1681b - Permissible purposes of consumer reports ( ) IN GENERAL SUb to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION c consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CON to report amything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer im demanding the deletion of accounts listed IMMEDIATELY!
Consumer complaint received 2023-04-12
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. (AZ)

Upon requesting validation of the account XXXXXXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX  ) i was informed that everything was 100 % accurate. However, if its the same account why is there so many differences from all credit bureaus. If your investigation is accurate there is false reporting on my consumer report by having diferent dates and numbers. I have highlighted all differences. Therefore, I demand this accounts to be deleted as you have failed to update them through various disputes. According to 15USC 1681 I ( 5 ) everything has to be 100 % accurate on my report. Its obviously not.