davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-21
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. (OH)

To Whom It May Concern : I am writing to dispute the accuracy and fairness of my credit report. Specifically, I am disputing the information regarding my XXXX XXXX XXXX account number XXXX. I have reviewed my credit report and noticed that XXXX XXXX XXXX has reported several late payments on my open-ended credit/credit card account. 
According to 15 USC 1666b and 15 USC 1681a ( 2 ) ( A ) ( 1 ), transactions and billing errors are not to be reported on a consumer report. It is important to note that reporting late payments on an open-ended credit account/credit card is illegal. In accordance with 15 USC 6802b, any such information should not be included in a consumer report. Therefore, I am requesting that these late payments be removed from my credit report. Furthermore, I am disputing the accuracy of other information reported by XXXX XXXX XXXX. The reporting of inaccurate information violates 15 USC 1681e ( b ), which requires that all information reported to credit bureaus be accurate and verifiable. 
Therefore, I am requesting that XXXX XXXX XXXX verify the accuracy of all information they have reported to the credit bureaus. If any information is found to be inaccurate, I request that it be removed from my credit report immediately. In accordance with the Fair Credit Reporting Act, I am entitled to a free copy of my credit report from each of the credit bureaus once per year. I have enclosed a copy of my credit report highlighting the inaccuracies and errors I have discovered. Please investigate this matter promptly and respond within 30 days. If you find that the information in question is inaccurate or can not be verified, please remove it from my credit report. 
Thank you for your attention to this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-01-16
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 contacted Mohela XX/XX/XXXX to have my loan repayment plan changed to the extended graduate repayment plan. It is currently XX/XX/XXXX, and my plan has yet to be changed. I have spoken with many different Mohela supervisors over the course of six months and, in addition, submitted a prior complaint on the CFPB data base ( Complaint ID : XXXX ). Each time I have been told my repayment plan request change has been " expedited ''. Some supervisors have gone so far to say that my plan would take effect " when we get off the phone '' or " at the end of this business day. '' None of that has been true. I have also repeatedly asked for the notes they have about my account and have been told they would be sent over... but they never have. 

I was making payments from XXXX to XXXX ( still on the repayment plan I did not want to be on ). In XXXX I received a notification from Mohela that my XXXX billing statement was given to me less than 21 days from the due date so Mohela was putting my account on an administrative forbearance and any payments made between XXXX and XXXX of XXXX  would count toward future payments ( or refunded if requested ). This was also Mohela 's resolutions for my prior CFPB complaint - even though my repayment plan still has not changed. However, since then I have neither been refunded nor have my prior payments gone toward my future payments as specified. 

I called Mohela yet again the beginning of XXXX. This time the representative told me ( XXXX ) my request was still pending but " someone at Mohela didn't submit it correctly ''. Excuse me, what?! It's been XXXX month and I've talked with at least XXXX supervisors at this point. Is this true? If this is true, why was I not notified? I feel like I can't trust anything their representatives say though because nothing about this account has changed even when supervisors " guarantee it will be done by the end of the week ''. 
( XXXX ) He noted how my account still says I owe XXXX XXXX  in XXXX even though I made payments from XXXX - XXXX totally {$16000.00}. My minimum payment is roughly XXXX dollars on the repayment plan they won't take me off for whatever reason. So, as confirmed with this representative, my XXXX bill ( and many future bills ) should be accounted for in my XXXX to XXXX payments. But for some reason Mohela is still saying I owe money in XXXX despite their own written correspondence saying these payments would apply to my future payments. 

So when will Mohela change my repayment plan and when will either my prior payments be refunded or counted toward future payments? 
I believe Mohela is mismanaging my loans and not being honest in their financial obligations to me, the borrower.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aqua Finance, Inc. (NY)

In accordance with the fair credit and reporting act this creditor had violated my rights under 15 usc 1681 section six to state I have the right to privacy. It also states a consumer reporting agency can not furnish and account without my written instructions under 15 uscs 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-16
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (IA)

I lived with my wife at a complex called XXXX XXXX '. During our lease XXXX  XXXX violated the terms of the lease. Our apartment was flooded 3 times weekly, had electrical issues due to the repeated flooding, and the neighbors upstairs had a vibrating bed that effectively sounded like an idling semi truck. After only 3 weeks of living at XXXX XXXX, we had already made multiple attempts with management to resolve the issue, which turned out to be an XXXX couple with XXXX that lived in the unit above us. We endured the lease as long as we could with no help from management to resolve the ongoing problems before moving out due to our denial of 'use of space ' clauses amongst the other lease violations by XXXX  XXXX. We are currently pursuing litigation. XXXX XXXXXXXX, who is not authorized to even hire a debt collector as they are owned by XXXX XXXX, whom we are also suing, hired this shady debt collection agency. These people at National Credit Systems, sent a notice to our old address in an attempt to illegally circumvent the FCRA and FDCPA and 1 week after sending said notice, violated the FCRA and FDCPA yet again by placing this unowed debt on my wife 's consumer credit reports and my own. It is obvious that this debt collector is ad comfortable violating laws and our rights just as XXXX XXXX and XXXX XXXX were. I have nearly 9 months of video documentation of the ongoing flooding, the apartment vibrating and the loud incessant noise as well as the previous tenant who also moved out for the same reasons we did who fully intends on testifying to the fact that these issues were known, and XXXX  XXXX deceived us intentionally to get us to move in by lying and telling us there were no issues with that unit.
Consumer complaint received 2024-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (GA)

Please reference an internal ticket number provided to me by a chime manager during a call around XXXX XXXX XXXX XX/XX/2024 regarding chimes refusal to release my refund after being notified by the merchant that it was ok to refund. 

I booked a stay at the XXXX XXXX  XX/XX/2024 but did not stay and so the hotel refunded me the {$50.00} hold. They sent an electronic authorization to release the hold to chime and chime refused to release my money citing a pending transactions needed to remain on hold for 7 days despite the merchant authorization to refund and release. I asked for an explanation as to why and was repeatedly told the policy with no explanation. 

Countless reps told me they could see the merchant refunding me but XXXX the manager stated he could not. One rep who agreed that it was egregious and vowed to find help was the last rep to confirm he could see the refund from XXXX. Manager named XXXX claimed he could not. ( I dont believe he was looking for it either ) Banks holding on to money that doesnt belong to them for extreme lengths of time is theft! Because banks can do whatever they want with the money while we wait and the customer gets nothing in return!
Consumer complaint received 2024-02-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc. (NV)

This Aargon company has false claim posted on my credit profiles cropping my score of XXXX points with no agreement with me as I do not know them or owe anyone as it was proven by my bank on XX/XX/XXXX that I did not authorize XXXX to take monies from my account as there was no documents to support XXXX during the investigation in which I was found to be correct as no documents supported XXXX claim. In XXXX of XXXX XXXX XXXX  made this assertion on my credit profile for {$300.00} for XXXX on XXXX under account XXXX. On XX/XX/XXXX is was deleted due to the letter from the bank I sent in to show proof I was refunded after an almost 2 month long investigation by the bank. Now Aargon Collection under account XXXX {$300.00} for XXXX again less than a year later in late XXXX XXXX XXXX  called and even emailed my personal email demanding monies for a false claim proven to be false by my bank 's accumulation of evidence which showed I signed no nothing for any contract/agreement with XXXX and thus was refunded by my bank with the amount the bank could recover as I never got all my money back only {$240.00}. On XX/XX/XXXX I sent a cease and no contact letter via Registered USPS to Aargon and they further refused to remove the false report which has damaged my credit XXXX XXXX and ruined my no negative credit on my profile which also shows 3 credit increases from 3 creditors in the past 12 months and no late payments ever on my profile. I am XXXX and this form of greed for a claim proven to be false twice already in the past 2 years and having any collection agency sell it to another to have me have to keep repeating everytime is violating Section 623 of the FCRA is being routinely and with malice being violated and causing Me harm. Also XXXX is violating this Section 623 FCRA as they know from XXXX Report XXXX for the same claim that was deleted after I provided my letter from the bank on the unathorized findings by the bank to charge me for anything, only to let Aargon Collections to file the same claim on XXXX Report XXXX for the same {$300.00} under account XXXX for XXXX. And I disputed it and XXXX left it on my credit profile knowing that a previous Collection agency ' XXXX XXXX ' lost and was removed on XX/XX/XXXX by the documents submitted to XXXX.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

The Credit bureaus stated that my account was properly investigated but how is this possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate along with many other inaccuracies. This is grounds for removal, they are violating my rights under : 15 U.S.C 1681 section 602 A : States that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (WA)

in accordance with the Fair Credit Reporting Act, American Express has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-02-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

I just want to flag for you that mortgage servicing companies are starting to dramatically increase the frequency of transfers for loans being serviced. Most recently, my loan was transferred to Roundpoint Mortgage in XX/XX/XXXX ( this was my XXXX mortgage servicer of XXXX ). 

On XX/XX/XXXX - I received notice that Roundpoint had transferred it XXXX Mortgage. I have no problems paying the mortgage, but I can not because the data to set up an account for me at XXXX has not yet been received according to the customer service agent I just spoke to. I know there is a 60 day grace period, but I now have to wait, go back in a few days, check to see if the loan details have been transferred, and only then set up a new account, pay the outstanding balance, and then set up another auto payment plan. Doing this once every few years isn't a big deal. Doing it XXXX or more times a year is a little over the top. 

When I spoke to the customer service agent at XXXX Mortgage he shared with me that he's seeing a massive uptick in mortgage servicing transfers and warned me to not to be surprised if it is transferred again quickly. This is kind of ridiculous. I'm running around chasing paper, having to share incredibly sensitive Personal Info including my routing and bank account numbers with multiple companies at a time when data breaches are on the rise, and I'm going to have to chase down all this info for my taxes to be sure I'm able to get the mortgage deduction I am owned. Isn't there anything the CFPB can do about excessive mortgage servicing transfers?
Consumer complaint received 2020-10-27
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: EQUIFAX, INC. (MO)

Every since my identity been stolen i been noticing activity that's been done inwhich I have no knowledge of. Some of which was even left in good standings but still and all either rightfully belongs to me therefore I'm demanding that the following accounts be removed and blocked from my credit files. 

1. Dept of ED/XXXX  {$11000.00} 2. Dept of ED/ XXXX  {$6800.00} 3. Dept of ED/XXXX {$10000.00} 4. Dept of ED/ XXXX  {$5800.00} 5. Dept of ED/ XXXX {$10000.00} 6. Dept of ED/ XXXX  {$4500.00} 7. XXXX XXXX XXXX
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2024-02-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: NVR INC. (NY)

We are first time home buyers with no experience in the housing market. We signed on XX/XX/XXXX for our new home to be built. During that phase, I was told by the builder that the closing cost estimate included a float down option on my interest rate and a total cash to close around XXXX. On XX/XX/XXXX, i started the process with NVR ( XXXX XXXX XXXX ), I was contacted over the phone and I was again advised that I had the float down option built into my estimate. I explained to the loan officer at that time to provide me with their offer because I was in discussions with other lenders. During that phone call, the officer did not explain mortgage points and persuaded me against locking in my rate at that moment. Fast forward a week later, I asked him about the interest rates as we signed all our disclosures and everything, he started talking about mortgage points and that we would have to pay approx $ XXXX for the points to buy down the interest rates but that it was already factored in. furthermore, during this conversation, the loan officer told me not to worry about locking in. Fast forward to last Thursday or Friday, around XXXX, after going over the commitment letter, the loan officer asked if I wanted to buy lock in the rate. I asked him for clarification on the float down and he told me it would cost an extra {$4000.00} on top my closing costs. This was never disclosed by him in the multiple conversations we had. I then asked to lock in the rate, and he told me it would cost another $ XXXX to $ XXXX to lock this rate in. I was in shock, he told me it was in the all the print on the documents that I signed ( he pressured us to sign the documents right away, and told me not to worry about the points or rates because " it was a live document and we could make any corrections as needed ''. I told him at that point, i would have to consider another lender that was not attempting to scam me and did not lock in. Now today, XX/XX/XXXX, I attempted to lock in my rate ( which was higher than a month ago ) and was told that if I wanted the best rate, it would cost me approx $ XXXX usd more cash to close as the the " points to purchase has drastically gone up since last week ''. Out of panic, I had to lock in at a higher rate today and it still cost me an extra $ XXXX usd that I did not account for. I am not going to be financially harmed by purchasing this house. I feel 100 % like the lender took advantage of us because of our situation. the officer and his boss were completely unwillingly to make another work and even after I attempted to explain how not transparent this all was, I was told to either lock in the rate today at an extra cost or holdoff and who knows what I would be paying. I got forced into locking the rate at this premium rate. I feel scammed and victimized by this lender and their deceitful tactics.
Consumer complaint received 2023-06-20
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. (DE)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still an account that requires fixing. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian credit bureau to confirm this account ( 1 ). ( A ). I'm confident the contested records are settled. 


Please fix this account : XXXX XXXX XXXX XXXX XXXX : {$41000.00}
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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. 

XXXX XXXX XXXX XXXX XXXX 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. 

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 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (PA)

XX/XX/XXXX - I executed an interest free balance transfer of {$14000.00} and paid a transaction fee of {$700.00} ( I expected this ). 

XX/XX/XXXX - I was charged an annual membership fee of {$69.00} ( I expected this ), but I incurred an interest charge of {$0.00} on the membership fee that I did not expect. 

XX/XX/XXXX - I paid {$160.00} to cover the minimum balance due, membership fee, and interest charge. 

XX/XX/XXXX & XX/XX/XXXX - I made two purchases totaling {$1300.00}. 

XX/XX/XXXX - I paid {$1300.00} to cover the full balance of the two purchases with an expectation of not receiving interest charges. 

XX/XX/XXXX - I incurred an interest charge of {$21.00} because the two purchases triggered interest on the open balance ( I did NOT expect this ). 

I continue to incur monthly interest charges because I used the card which is apparently is not something you can do after executing an interest fee balance transfer.
Consumer complaint received 2023-02-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Network Inc. (FL)

As of today, I'm 50 days late with my mortgage payments. I was approved with 17 future payments with the Homeowner Assistance Funds. Since XXXX XXXX is sending the bulks check to the mortgage and they always took more than days to apply the payments. The purpose of the Homeowner Assistance Fund ( HAF ) is to prevent mortgage delinquencies and defaults, foreclosures. HAF is a federally funded program administered by the State of Florida and the responsibility of timely payment falls on the state and NOT the applicant. Theyve reported my acct as being delinquent for XXXX and XXXX to the credit bureau. The representative stated the accounting dept is behind. My account is coded as a code 3 which means I applied for the HAF program and was approved so no late fees will be applied. I also received a letter with the steps for foreclosure.