davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

XXXX XXXX XXXX XXXX XXXX ( XXXX ) has appeared as plaintiff in a foreclosure case, Index XXXX, in Supreme Court, XXXX XXXX, NY. In a response to a complaint I filed with the CFPB, I asked the question ( paraphrased ) " Do you, XXXX, own my mortgage and Note? '' Their answer to the CFPB, ( paraphrased ) was " We are not a party of interest in this matter, '' which a reasonable person would interpret as they, XXXX, is not the holder of my mortgage and Note, but in a court of law is vague, so I am getting more specific with this follow up complaint and asking " At any time did you sell my mortgage and Note to anyone? At anytime did you specifically sell my mortgage and Note to a debt collector, XXXX and XXXX, located in XXXX New York, or XXXX XXXX, XXXX, located in XXXX, New York? 

It is likely that XXXX  will claim that this is a duplicate of a previous complaint. They have done this before in a previous complaint I filed. This Complaint is not a duplicate but is a follow up to that earlier Complaint, in order to clarify their response to my earlier Complaint.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The credit bureaus is reporting my name wrong and they refuse to remove it. I have sent in multiple letters asking them to update the correct spelling of my name and they refuse to do it. This has been a frustrating process and its hindering me from moving forward. The credit bureaus is violating my right by reporting inaccurate information on my credit file. 15 USC 1681 ( a ) ( 4 ) -There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
The credit bureaus did not do their investigation.
Consumer complaint received 2022-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

I graduated college in XX/XX/XXXX, I started working as a teacher in XX/XX/XXXX. I had four kids with a {$46000.00} salary. I could not afford my student loan payment. I called them, they told me to put my loans into forbearance. I started XXXXXXXX XXXX  the following year, my loans were forced into deferment without my knowledge. I had no idea that I could have opted out of a deferment or that I would even qualify for a {$0.00} payment which would have counted towards my Public Service Loan Forgiveness. I heard about XXXX and that my payments could be {$0.00} so I contacted Fedloans again in XXXX. They told me that the best thing to do was consolidate my loans so I did. because of this, I am having difficulty removing the Deferment and Forbearance on my accounts from XXXX until XXXX which would allow my years of service as a teacher to count towards XXXX. I have proof of my income from XXXX until now. My payments were always eligible for XXXX and should have been {$0.00} per month. I should have 6 years of payments counting not 2 years. No one will help me, I have reached out to them through email, and XXXX. And, I can not get them on the phone.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

There are two loan accounts reflecting on my credit report from XXXX XXXX XXXX OF, one in the amount of XXXX and the other {$6000.00}. These accounts are showing as a collection, however based on the Statute of limitations by California law these accounts are not allowed to reflect in my credit history after four years. These accounts were closed XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2022-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

( Original complaint XXXX closed due to sys glitch, spoke with XXXX @ CFPB, XXXX EST who advised to re-open** ) I requested mortgage deferment/forbearance for my mortgage account due to being laid off due to COVID. Per CFPB guidelines, there is not currently a deadline for requesting an initial COVID hardship forbearance. Multiple attempts for additional information continues to be requested from me to substantiate needing forbearance, even though, per CFPB guidelines, Forbearance must be granted if requested and the borrower attests to a COVID related hardship ( see attached CFPB guidelines ) The mortgage forbearance was approved as of XX/XX/XXXX with mortgage payments for XXXX, XXXX, and XXXX of XXXX put on hold until I can gainfully obtain employment again. Since placing my loan in forbearance, I have had many issues Im hoping to understand. I received a Delinquent Notice for XXXX payment, dated XX/XX/XXXX ( attached ), even though my account should be placed in an approved forbearance status. Upon reviewing the notice, I noticed late fees/penalties are being tacked on to my monthly payment due showing on the delinquent notice. This generated a call to Cardinal on XX/XX/XXXX as per CFPB guidelines state, No additional interest, fees, or penalties can be charged beyond the amounts scheduled or calculated as if the borrower made all contractual payments on time and in full under the terms of the mortgage contract.. I spoke with XXXX who indicated the approved forbearance plan was not noted on my account and was transferred to loss mitigations where I spoke with XXXX at XXXX, EST. XXXX also agreed the forbearance wasnt placed on my account but that she would update the information to reflect this. When I inquired about why late fees are showing on my account for XXXX and XXXX, she stated they were allowed to charge late fees/penalties even for payments under an approved forbearance plan. When I told her this was not allowed under the Cares Act, she stated that she would waive XXXX late fee but would not remove XXXX late fee or XXXX late fee, even though all of these payments are approved as forbearance payments. She also mentioned that delinquency notices would continue since Im not making my monthly payment, even though my account is approved under forbearance. I have also included my XXXX mortgage statement which now reflects {$120.00} in late fees/fines. I have had to call at least 3-5 times a month to get this straightened out and get nowhere with any of the representatives who have taken my calls. I am beyond disgusted with the way this company handles business and need help understanding why Cardinal/Dovenmuehle doesnt have to follow federal guidelines under the CARES ACT for XXXX XXXX & XXXX XXXX XXXX XXXX XXXX Attached I have included : Approved Forbearance Agreement dated XX/XX/XXXX The delinquency notice dated XX/XX/XXXX, CFPB guidelines on the deadline for XXXX XXXX Mortgage Statement dated XX/XX/XXXX.
Consumer complaint received 2023-01-23
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)

Disputed this inaccurate account multiple times in XXXX, and I see now XX/XX/XXXX this account has update and modified itself after my XX/XX/XXXX dispute, which still did not address the inaccuracies! The XXXX account is violating : 1 ) 15 U.S.C 16801 accuracy and fairness of credit reporting 2 ) 623 5 ( a ) duty to provide notice of delinquency of accounts- that it is to be reported to the agency of the date of alleged delinquency on the account, which shall be the MONTH AND YEAR ; not continue to report over and over for however long or up until 7 years!

3 ) 15 U.S.C 6801 protection of nonpublic personal information, the financial institution are suppose to protect my personal information, not give it out without my permission 4 ) 15 USC 6802 obligations with respect to disclosing information, 3 disclosures forms were never given to me 5 ) The Heros Act Section 110401 has also be violated, during COVID-19 consumer reporting
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I called American Express on XX/XX/23 to inquire about a 30 % transfer bonus to XXXX that I was not seeing on my account but was seeing on other peoples accounts. The agent let me know that if it was something offered to other people, she would offer it to me as well. She then prompted me to transfer XXXX XXXX points to XXXX and assured me that the remaining 30 % would be applied to my account. Shortly after, I received a call saying that she would not be able to offer me the additional 30 %. She prompted me to move points equivalent to over {$1000.00} USD without making sure that the 30 % would be applied. I asked for a XXXX review and no one reached out to me. I have called in for the last 7 weeks because no one from American Express would call me. On one of my call backs, the XXXX on the line said that the agent from my original call made a mistake and misinformed me. I called in once again today only to be told that there is no compensation or refund that can be offered to me at this time besides a 30 % transfer bonus on any new transfers. I would have never transferred the bonus if I knew that I was not going to be getting the bonus 30 % and trusted the guidance of the agent on the line. I am requesting that Amex makes this right and refunds me the points.
Consumer complaint received 2023-01-23
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. (AZ)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2019-12-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (CT)

re : direct expressdebit card. on XX/XX/2019 iwas charges $ XXXX.on XX/XX/2019 iwas charged {$2500.00}. I reported these fraudulent charges. on XX/XX/2019 I received a credit of {$2500.00} leaving a balance due me of $ XXXX.i have called and written numerous times with no results. please help XXXX XXXX
Consumer complaint received 2019-12-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Tenaglia & Hunt, PA (NJ)

Law firm tenaglia and hunt XXXX County Superior Court special civil part they pretended to be attorneys representing XXXX XXXX XXXX in a debt collection case against me when they really weren't but that's not even what I'm talkin about today they put a bank levy on my bank account that was nothing but child support and spousal support directly deposited for my ex husband 's employer I filed a motion for objection I was heard the judge vacated the bank Levy I gave it to the bank and there is no money in the bank because they wrote a cashier 's check to tenaglia and hunt before the judge decided his order to vacate they stole my child support and my spousal support I want to sue them and I want my money back immediately his judgment exempt and they knew it cuz I called them and told him it was child support and alimony and I wrote them same thing they had no right to take
Consumer complaint received 2022-01-20
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. (FL)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2024-01-12
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NC)

Attempted multiple online transactions with AMEX gift card, following the instructions provided by AMEX for online use. 

Gift card had sufficient funds for each transaction. 

All transactions would not process. 

I contacted AMEX and was told that I could not use the gift card for purchases on XXXX. I asked for any vendor where I could use the gift card and was told that they could not provide me with any vendor names. Their recommendation was to just keep trying to use the gift card at different retailers to " see what worked ''.
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (MI)

My account was wrongfully closed in XXXX after AMEX misapplied a payment to the paid-over-time balance rather than the intended payment for the statement period. On XXXX XX/XX/XXXX AMEX offered to have the platinum account reinstated once the balance was reduced to zero ( XXXX ). Quoting AMEX XXXX XX/XX/XXXX response to XXXX, " we explained that we spoke to you on XX/XX/XXXX and offered a guaranteed reinstatement of your XXXX XXXX ending in XXXX with a limit of $ [ x, xxx.xx ] once the balance on your accounts are brought to {$0.00}. '' On XXXX XX/XX/XXXX XXXX XXXX provided the AMEX response to CFPB complaint XXXX & XXXX, in part writing " Our prior response to your previous complaint filed with the CFPB, reference number XXXX, advised that we authorized the prior agency handling your account to offer on opportunity to regain Card Membership by applying for the XXXX Card after your balance was paid in full. It is important to know, this offer did not involve reinstatement of the specific account as referenced in your correspondence [ platinum card ]. '' AMEX engaged in a bait-and-switch as the market conditions changed. As The economic environment changed during the pandemic AMEX began targeting individuals and engaging in acts or practices that would reduce their overall risk exposure by any means necessary. That is, AMEX has engaged in unlawful, unfair, deceptive, and abusive acts and practices that targeted me as a consumer after I'd disclosed my afflictions with XXXX, and XXXX They engaged in these practices with my account, withholding statements, forcing payment through alternative websites, until they were able to find a mechanism to allegedly charge-off the account on XXXX XX/XX/XXXX. And, since that time they have continuously reported false/misleading/inaccurate/incomplete information for the account to the CRAs which continues to affect me as a consumer in XXXX. In nearly XXXX ( XXXX ) years they have created payment history on the account that does not exist, and supplied a Date of First Delinquency that is causally impossible because the reported DoFD is reported as a date in XX/XX/XXXX and/or XX/XX/XXXX and/or XX/XX/XXXX. The DoFD itself must PRECEDE a C/O. AMEX handling of my account has been bizarre and shows a pattern of acts or practices that are explicitly forbidden under law.
Consumer complaint received 2023-01-23
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. (FL)

5ths disputes have been sent through the year of XXXX ; and recently still being updated XX/XX/XXXX and XX/XX/XXXX ; as if my disputes and pointing out several violations never existed. This is my last attempt pointing out these inaccuracies before taking legal actions. On ALL XXXX XXXX XXXX XXXX accounts multiple inaccuracies and violations continue to happen on a monthly basis and destroy my credit! 

XXXX ) 15 USC 1681 ( a ) accuracy and Fairness of credit reporting has been violated MUlTIPLE times 2 ) 15 U.S.C 6801 protection of nonpublic personal information has been violated on multiple occasions.

3 ) 15 U.S.C 6802 Obligations with Respect to Disclosing Information, I have never received the 3 disclosure forms this law states I am suppose to have received 4 ) 623 5 ( a ) duty to provide notice of delinquency of accounts It is to notify the agency of The alleged delinquency date on the account, which shall be the month and the year. IT DOES NOT STATE to CONTINUOUSLY REPORT MONTHLY and yearly! 

XXXX ) Also, according to the IRS charge offs are considered gross and ordinary income and you are to receive a 1099C from any alleged debt that is above {$600.00}, I have not received this for any XXXX XXXX XXXX XXXX account, So why are these alleged charged off accounts still reporting as debt on my credit report? 

These disputes are not to inform if the alleged death belongs to me it is to point out that these consumer reporting agencies have been in violation on multiple laws and has not been accurate and fair according to the FCRA, and they are allowing these accounts to continue to cause me distress and ruin my credit report! In XX/XX/XXXX, I asked for proof of verification, including the method of communication, documentation used to verify, to whom they spoke with, the date, what number did they call, the creditors address, what position did the person that they spoke with works? That has been longer than 30 days ago and I have yet to receive that! I asked that if they could not provide that to delete all of these XXXX XXXX XXXX XXXX accounts off of my report because it seems like their reinvestigation is computerized Or just telling me, the information is accurate!
Consumer complaint received 2021-09-29
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: Resurgent Capital Services L.P. (CA)

Once again I had stated in my previous dispute letter that I do not recall having this account. I've also asked your agency to provide the monthly payment, credit limit, terms, last payment, past due amount, date of first delinquency, and date closed as well as the payment history since they are missing from the report.
Consumer complaint received 2023-03-01
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. (CA)

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

Experian is govern by 15 USC 1681 and they violated my right numerous times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have a right to privacy and did not give Experian written permission to furnish these accounts. 

Account XXXX : XXXX Account XXXX : XXXX
Consumer complaint received 2023-01-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY
Consumer complaint received 2023-05-24
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: Nelnet, Inc. (CA)

On XX/XX/2023, I sent a certified letter to XXXX the letter was then received on XX/XX/XXXX by the bureau and action was taken on this I disputed this account multiple times. I checked my credit report the student loan and NelNet account was added to my report without my consent and my account number is not fully stated on either account. I would like both of these accounts removed from my credit report as this information is not verifiable.
Consumer complaint received 2023-01-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc. (ME)

About a month ago, I personally notified -GM Financial a dba under Amercredit- about the notice to rescind, or the confusing term of my car loan that did not mentionned GM Financial as my loan servicer, and was not present while I signed the car loan. 
Legally I have no legal biding contract with GM Financial because they are not my seller-Creditor and the finance charge does not mention Americredit or GM Financial in any capacity. 

I called GM Financial claiming my right to rescind a contract I never signed and claimed my right to petition the court to stop the harassment and violation of Privacy I was being subjected to everyday. 

GM Financial sent me a notice, and intent of repossession on XXXX despite the fact that I told them that I have a XXXX and filed a civil lawsuit under Maine Consumer Protection Laws. 

I had to make a payment on Saturday XXXX to prevent reboot call, harassment, intimidation, and threat of repossession. 

I am seing a Dr at this time due to my underlying XXXX and XXXX XXXX. If this harassment persist I could end up in a Hospital with a XXXX XXXX and XXXX XXXX I would like cfbp to investigate this issu and mediate my complaint to best of his capabilities. The unfair Trade Practice is illegal and I have the right to have my private data protected and my car not repossessed. GM Financial has reported two late payments that have reduce my credit point and cause significant stage of anxiety and emotional distress. 

I never Signed a contract with them and never agreed to have my private date share online without my consent this a blantant violation of Federal and State Consumer and Privacy Laws. 

XXXX XXXX XXXX In XXXXXXXX XXXX is currently looking into this issue because I request an accommodation due to my XXXX XXXX and XXXX XXXX. I don't want my car illegally repossessed. I have already notified the office of Texas Attorney General about this issue. 

The Judge in Superior Court, of the XXXX XXXX of the State of XXXX  is currently conducting an investigation and Will notified the defendant at his earliest convenience.