davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company (TX)

On XXXX XXXX I found that Freedom mortgage placed my home up for foreclosure. We had not written notice or any where published this was happening, also no legally certified letter signed by myself or my wife which in Texas must be done, they did not we were not served certified notice. Also all communication must be done through there own PORTAL security email system we also were put on paperless billing statements, we never agreed to switch to this I always expected a snail mail statement. 

Yes we were in forbearance agreement until XX/XX/XXXX due to covid issues. I had to constantly contact them why i am still being charge Mortgage Insurance of {$130.00} a month when since in XXXX with loan modification which was approved we agreed to have a second lien of {$25.00} put into effect in the term of the loan. 
My wife many times communicated on phone that she explain my health issues, They still of the date only has said noted... The PORTAL is a joke, ; yes you can access your account but the chat line is automated AI you try to contact them by phone you are on hold over 30 minutes or longer then when i get through you never put through same agent and keep repeating my information bounced around then get disconnected or hung up on! Very unprofessional customer service. 
As of today XX/XX/XXXX I was disconnected after I am asking for more time before the auction on XX/XX/XXXX at XXXX : XXXX  My wife inquired about reverse mortgage in XXXX she turned XXXX, they said noted again never got back to her or email or letter she can see on the PORTAL The attorney XXXX XXXX XXXX XXXX Freedom mortgage attorney more helpful then Freedom Mortgage it self I did get long covid and explain my health and XXXX and XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-08-30
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. (NJ)

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 : Account Name XXXXXXXX XXXX XXXXXXXX # XXXX {$410.00} Account name : XXXX XXXX XXXX {$740.00} Account Name : XXXX XXXX XXXX XXXX XXXX 0 % Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 0 % The XXXX XXXX XXXX {$60.00} 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 written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-12-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Linebarger Goggan Blair & Sampson LLP (TX)

I financed a XXXX  XXXX XXXX XXXX XXXX for my son in XX/XX/2018. He purchased a TX Tag which is a prepaid toll tag to allow you to drive on any and all toll roads in the entire state of Texas provided by the Texas Department of Transportation. Upon receipt of the tag, it had been registered to the temporary license plate from the dealership for the vehicle and my son states that he contacted Tx Tag to update to plate but it was never done, however Tx Tag disputes this and says they have no record. Either way, the tag was still mounted on the windshield of the physical car and able to be scanned as driving through the toll plazas. Over the course of a few months, XXXX ( XXXX XXXX XXXX XXXX XXXX ) accumulated an immense amount of toll violations stating that their system determined that the TxTag was not registered to the vehicle it was mounted on, although the Year, Make and Model all matched, simply not the new permanent license plate. We never received the first invoices from XXXX before going to collections to pay for these before they added the administrative fees and collections fees with Linebarger, Goggan, Blair and Sampson. Now they are saying that if we don't pay over $ XXXX they will place a hold on my ability to register any vehicle in TX and I won't be able to renew my driver 's license when in reality it was an error on Tx Tag 's part.
Consumer complaint received 2024-03-08
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (TX)

Initial complaint XXXXPHH responded citing I was not eligible for a deferment or a COVID 19 forbearance plan per investors guidelines and based on the Financial Evaluation. PHH proposed increasing my interest rate from XXXX XXXX to XXXX XXXX loan terms, loan payment, and extending the maturity date 5 years for approximately {$23000.00} balance is obserd. During the forbearance I was not able to make ANY payments to reduce the outstanding balance-I called multiple times and the PHH representative could not take any partial payments during the forbearance. The denial was also based on " household income ''. My spouse 's income was not considered or requested during this process. My husband is not on the loan but my husband contributes to the household which waws not considered on the application-the application asked for household expenses which I included my husband expenses- ( car loan, credit card, utility bills ). I feel I do not have any option or I will face foreclosure if I don't agree with the terms which will extend my financial hardship for the life of the loan. I worked very hard to secure the XXXX XXXX interest rate and to have it increase to XXXX XXXX as the only option is egregious. 

I am currently employed full-time and is not experiencing long-term hardship noted in the correspondence from PHH.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (CA)

Citibank routinely does not alert customers online as to pending payments on their checking account. Other major bank alert customers online in a reliable manner showing pending payment transactions. This allows customers to deposit funds to cover any pending payments. Citibank does this intentionally so that they can charge overdraft fees. I was charged {$70.00} in overdraft fees as a result of these deceptive practices.
Consumer complaint received 2024-02-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RICHLAND HOLDINGS, INC. (NV)

Rental property owner died, they gave no notice to any of the XXXX tennants, they were pocketing our rent, not fixing any of the maintenance issues, a trust company stepped in to oversee the property without proper notifications, then they asked people to move before the new owners took ownership, and we did..we were told there would be no balance since the property owner had not taken ownership as long as we moved.
Consumer complaint received 2024-03-29
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. (NY)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/23 we filed 3 affidavits of fraudulent use of our checking and savings accounts at the XXXX XXXX in XXXX NJ. 3 checks were split deposit with cash back totaling approximately {$6400.00} at XXXX branches in XXXX NJ. The checks used by a perpetrator were not even micro encoded with Bank account or routing number. In addition, checks were not endorsed with signature. In addition, we seldom go into a branch, which would only be in XXXX NJ, we use online banking, electronic banking and ATMs. NOW XXXX IS TELLLING US OUR CREDIT CAN TAKE UP TO 30 DAYS!!!!!! These transactions were not performed by us, they were negligence on the part of the the XXXX staff - banking 101!. There is no reason for them not to credit our account.
Consumer complaint received 2024-04-19
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. (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. 

XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX has violated my rights. 


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 2023-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (TN)

please get in touch with PayPal as they are trying to collect the {$350.00} already closed in my favor. The {$350.00} resulted from an unauthorized transaction and they are taking my money {$100.00} and net the {$350.00} resulted in a negative {$240.00} on my Paypal. 

Case details Case ID : XXXX Disputed amount : {$350.00} USD Receiver info : XXXX XXXX XXXX XXXX reported : XX/XX/2023 Case status : Closed The case was closed in your favor.
Consumer complaint received 2024-02-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (CT)

I had a CD which matured on XXXX XXXX, 2024. I gave instructions for the maturing proceeds to be wired to my bank account at XXXX XXXX, but those instructions were not followed and the proceeds was rolled over in a CD for another 12-month term. I have made repeated attempts by calling their customer service line over a 2-week period to get them to release my money, but they have refused. They have said only that they would do an investigation and that someone would be following up with me, but they have not. It is now 4 weeks later and I still have not heard from them.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
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: Experian Information Solutions Inc. (TX)

This is my OTHER 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

My credit report shows the address XXXX XXXX XXXX XXXX, XXXX, FL, an address I have never lived at, in addition to this, it is the address of an office building in which there are no apartments or any other residential property, that is, it is not possible to live there in any way.
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: Experian Information Solutions Inc. (PA)

XXXX XXXX Date Opened : XX/XX/XXXX  Amount Owed : {$430.00} I have checked my credit report and I seen an account that is not mine. Experian is the only credit bureau reporting this account. I have a screenshot of all the credit bureaus side by side and Experian is reporting an inaccuracy. By the provisions of the Fair Credit Reporting Act, I demand that this account be investigated and removed from my credit report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RoundPoint Mortgage Servicing LLC (AZ)

I have a loan with CXXXX XXXX XXXX XXXX,  ROUNDPOINT MTG, and XXXX/XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX, XXXX XXXX XXXX  XXXX, ROUNDPOINT MTG, and XXXX/XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2024-01-09
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. (KY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
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 2015-06-15
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: NPS GROUP (CA)

Man named XXXX XXXX from " the legal outsourcing department '' calls from # XXXX. Stating its in my best interest to call back, he has faxed my employer preliminary wage garnishment forms and spoke briefly with my supervisor ... If I do n't respond to item number XXXX, so they can obtain an official statement from me, they will report back to their client to initiate legal proceedings. Number to contact is XXXX. Stated in another message that there are XXXX complaints stemming from my checking account. Their office has been retained to review and prepare this file for litigation against my name and ss # with my local county ( he names my county. ) before such files can continue, we are required by federal, state as well as county law, to show we have made every attempt to contact you and afford you and opportunity to resolve the matter voluntarily ... He goes on and on reading what he 's supposed to ...
Consumer complaint received 2024-03-29
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: Experian Information Solutions Inc. (IL)

XX/XX/XXXX, I looked at my report. I sent a letter to all bureau on XX/XX/XXXX asking them to reinvestigate these accounts : XXXX  XXXX XXXX {$2000.00}, XXXX XXXX  XXXX {$13000.00}, XXXX XXXX XXXX XXXXXXXX {$60000.00}, XXXX XXXX XXXX XXXXXXXX {$340.00} XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Experian, XXXX, XXXX really did not reinvestigation they lied on an official document saying they did something they did not do, and I have evidence to prove my case
Consumer complaint received 2024-03-14
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (FL)

XX/XX/24 - received txt message XXXX, email and a call from XXXX XXXX XXXX ( XXXX ) regarding a fraud Alert. 
XX/XX/24 - logged in to my account via the web and changed my password, no notifications or messages showing up. 
XX/XX/24 - Called XXXX, phone number on the credit card for assistance. Spoke with XXXX- she would not assist. Wanted a verification webcam with a copy of my id ( exposing my picture and id to the web ) and if not willing, send a letter via mail and expected me to send back a copy of my id via mail ( this is a 2nd method that exposes me to further fraud ). No other options were provided - refused to assist. 
XX/XX/24 - received txt message from XXXX again XX/XX/24 - Contacted Lowe's/Synchrony - Talked to 3 different individuals- still offer no solutions that will not expose me further to fraud. 
XX/XX/24 - Contacted XXXX  - XXXX, spoke with 3 different individuals, was able to assist with setting up alert, reported address as fraud, freezing my credit and pointing me to report to FTC.gov and your site CFPB. 
XX/XX/24 - Reported to FTC.gov - Report Number XXXX
Consumer complaint received 2024-03-29
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: Experian Information Solutions Inc. (CA)

I want to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately. I have contacted the companies associated with these accounts, and they have confirmed that the late payments were errors and have agreed to update my account and remove the late payments. 

I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. 



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