davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-31
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: Experian Information Solutions Inc. (SC)

My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.
Consumer complaint received 2023-11-09
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (NC)

Beginning XX/XX/XXXX, I began paying {$650.00} every two weeks in an effort to pay this loan off within two years. The P & I due for the loan is {$520.00} thus adding XXXX in additional principal every payment. My loan documents clearly state that there is no prepayment penalty on the loan nor do the document indicate there is a limit as to how far " ahead '' I can pay the loan. While I understand that partial payments are placed in suspense to be applied when a full monthly payment is received, each time my bank has sent {$650.00} the total amount has been placed in such suspense and then ultimately applied as a principal only payment which was not the intended application of payment. I was able to adjust several of these payments to P & I plus additional interest until XX/XX/XXXX. I called to have the XX/XX/XXXX and XX/XX/XXXX payments reapplied as Regular payments plus additional principal and was told that " the investor of the loan does not allow the loan to be paid more than three months ahead ''. Therefore, two of my payments were not accurately applied which caused the next payment made through their site to reflect a full month of interest accrued all because they did not want to apply the full payment accurately. I asked who the investor was and did receive a written statement stating : XX/XX/XXXX Dear XXXX, This letter is in response to your recent inquiry regarding the above referenced account serviced by Shellpoint Mortgage Servicing on behalf of NewRez LLC XXXX Shellpoint Mortgage Servicing, the owner of your loan. Their address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX We are working to gather the requested information and will forward it to you as soon as possible. 

That's the last I heard. 

I was also told that if I scheduled my payments online that they would also be applied as principal only payments. This is not true. I have successfully scheduled XXXX payments for {$650.00} allocated as XXXX P & I plus XXXX additional principal with appropriate regular payment application on : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XXXX. 

Therefore, it is quite clear that Shellpoint/NewRez is forcing me to use their online payment system to appropriately apply my payments rather than take the payment through my bank 's online payment system and appropriately applying it. This is unreasonable. Any payment that my bank sends that meets or exceeds my P & I payment of XXXX should be applied as a regular payment. The statement that the investor doesn't allow the loan to be paid more than XXXX months ahead is clearly false... worse yet if it is true then that is, in fact, a type of prepayment penalty that is disallowed by my loan agreement.
Consumer complaint received 2023-11-08
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Home Loan Center, Inc. (FL)

On XX/XX/, I submitted an online request through Lending Tree to find the best rates for a VA interest rate reduction loan ( VA IRRL ). I have yet to receive this information. What actually has happened is, I have been inundated with 30 to 50 calls everyday this week from random lenders that I have never heard of. I am getting calls as early as XXXX hours and as late as XXXX hours. The calls are coming about every 20 to 30 minutes consistently. They are contacting me about a VA Cash-out refinance, or home equity loans with their mortgage company. I had to turn off the ringers on my home phone and my cell phone. I asked several of these lenders how they got my contact information? Each of them stated from Lending Tree. This is unacceptable. Lending Tree should not be able to sell my information to all of these unknown mortgage companies that are not even offering the mortgage product information I requested on their website. Now I am overwhelmed with calls from companies trying to sell me a product that I didn't ask for. Of course Lending Tree references the fine print on their page that the consumer agrees to be contacted by their partners. If they are contacting me it should actually be for the mortgage product I requested. None of the several companies I spoke with offered a VA IRRL. This practice should be illegal if it is not already.
Consumer complaint received 2024-01-08
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: Experian Information Solutions Inc. (WA)

XX/XX/2024 Sent via XXXX XXXX # XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX To whom it XXXX concern : I am writing in regard to your response to my initial request for my Full Consumer File Disclosure. My request was very specific and I provided the exact sections of the FCRA which require you to provide it to me ( see copy of my original letter attached ). Your response was insufficient in that you did not provide the Full Consumer XXXX XXXX as requested. I will once again state that I am requesting my Full Consumer File Disclosure pursuant to XXXX U.S.C. XXXX ( a ) ( XXXX ) to include all other such information listed specifically in my initial letter. No response by you other than providing the Full Consumer XXXX XXXX as required by the FCRA will be acceptable. 

My initial letter was my first request for a Full Consumer XXXX XXXX within the past 12 months and there is no provision in the FCRA which allows you to charge me for it. I expect your full compliance with the law and for me to receive my Full Consumer XXXX XXXX in a timely manner as required by the FCRA. Your failure to do so will result in me initiating legal action to force compliance under the law. Your timely response is appreciated, not later than 15 days from delivery of this notice. Act accordingly. 

Once again, as was provided with my initial request, I am enclosing a copy of my drivers license, Social Security card and utility bill for identification purposes. You are instructed to mask the first XXXX digits of my Social Security XXXX in all writings you return to me. Please note, I am NOT requesting a credit report. 

Thank you in advance for promptly satisfying this request. Thank You
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Transaction amount {$8800.00}, posting date XX/XX/2021. It is complaint proud .we have charity account in Bank of America .so with out any authorization the bank withdrawal {$8800.00} .we reported for bank of America at that time but still know we didt get decision .so please we need the CFPB help.
Consumer complaint received 2023-07-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. Please validate this information with the XXXX XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this account bearing my signature.
Consumer complaint received 2023-11-09
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. (FL)

I believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. Please validate this information with the XXXX XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this account bearing my signature.
Consumer complaint received 2023-09-01
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. (CA)

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX. Please remove this account ASAP.
Consumer complaint received 2023-11-01
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: EQUIFAX, INC. (TX)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of 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
Consumer complaint received 2023-06-06
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. (IL)

I'm reaching out to your company because I am seeking assistance with having the credit bureaus do their due diligence in rectifying discrepancies found on my credit reports. This issue is has been escalated because the companies are failing to do their job. 
In XX/XX/2023, I initiated factual dispute letters on behalf of myself to XXXX XXXX, Equifax, and XXXX. The letters contained detailed information and facts to support my claim of an accuracies on my credit report The accounts that I disputed were the Department of EducationXXXX XXXX XXXX XXXX and XXXX. All of these accounts are reporting inaccurate information to the three credit bureaus which is detrimental to my financial health. 
Previously I have submitted disputes but I am encountering the same results with each bureau as they are claiming to have done investigations in which the information is verified through templated responses. However, I challenge that as incorrect/not legitimate as it only takes a quick look at the reports, l to see that something is amiss. They have a responsibility to reports verified, fair and accurate information and they are not doing so. I also reached out to the creditors and they are unable to provide assistance. 
I did receive correspondence from the bureaus and I will attach it in the attachments section of this complaint form.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: VW Credit, Inc (CA)

n 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. 

XXXX XXXX XXXX XXXX VOLKSWAGEN CREDIT INCXXXX 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 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 2016-03-15
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (AZ)

XXXX/XXXX/XXXX We purchased a home. Our loan was sold to Ocwen which changed to a predatory negative amortization loan. The loan amount was $ XXXX. On XXXX/XXXX/XXXX We received a predatory loan modification from Ocwen. At time we were thrilled. We thought we can save our home. Under TILA and Dodd Frank Act this is considered a predatory mortgage and is in direct violation. This is not a Qualified mortgage. We live in a large Metropolitan area not in a rural or underserved area. The servicer, Ocwen did not take into consideration our ability to repay. Ocwen imposed upon us unfair and deceptive tactics that violate the Dodd Frank Consumer Protection Act 78 FR 6408. I will upload all documents for your review. On page XXXX, # XXXX XXXX of the modification They have force placed insurance.Ocwen does not accurately disperse escrow funds. They charge excessive fees without any expolanation. What is scary is that even if I try to refy, as stated in the modification, Ocwen retains the right to foreclose on the property and change the terms of the balloon payment. This XXXX XXXX, I fell behind and asked for assistance. Ocwen gave us a forebearance plan. We have met every payment on time. We were required to pay down {$3000.00} before even being considered for a repayment plan. I made my XXXX payment on time. I revieved notice of that my foreclosure sale date scheduled on XXXX/XXXX/XXXX was moved to XXXX/XXXX/XXXX. I have tried to escalate my case. I was told by XXXX XXXX XXXX, Senior Manager of the Trustee for XXXX to file a complaint with the CFPB.gov. How could they put me in foreclosure when I have met every payment obligation?
Consumer complaint received 2022-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) XXXX and Transunion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 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 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 2023-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently submitted a request for an investigation of the disputed account, Since I believed XXXX and TransUnion Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, XXXX and TransUnion Credit Bureaus must update the listed account from my file. 

XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}.
Consumer complaint received 2023-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (FL)

XX/XX/2023 - Submitted IDR/SAVE plan request through XXXX XX/XX/2023 - XXXX to Nelnet customer service after almost two-hour wait. XXXX advised that my monthly payment would be XXXX higher with the save plan than the standard plan that I am currently on. Verbally requested to withdraw application. XXXX acknowledged and added a note to my account. 
XX/XX/2023 - Email and phone conversation with Nelnet customer service. Another two-hour wait. Requested monthly statement and asked why one was not sent - my loans are accruing interest and various payments have been made the my account. 
XX/XX/2023 - Email and phone conversation with Nelnet customer service. My loan Status recently changed to XXXX XXXX XXXX. What does this mean? XXXX acknowledge that I had previously requested to withdraw save application. XXXX advised that she submitted form to another department to cancel administrative forbearance. 
XX/XX/2023 - Account is still in XXXX XXXX XXXX status. No statement has been provided since XX/XX/2023. Payment is due on XX/XX/2023.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.