davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I checked my credit report and i noticed inquires on my credit report that die snot need to be on my credit report. I don't recognize the inquires and I never gave permission for anyone to preview or check my report on Transunion. These inquires are unauthorized and according to the FCRA these inquires should not be on my credit profile if i did not give consent and I never gave consent ( 15 U.S.C 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) ) These inquires do not have my permission to be on my report ( 15 U.S.C. 1681b ( a ) ( 2 ) ) and my rights to privacy has been VIOLATED ....
Consumer complaint received 2022-04-17
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 — Investigation took more than 30 days
Company: CURO Intermediate Holdings (TX)

On XXXX a dispute and request for validation letter was delivered to the company via USPS certified Mail # XXXX. Reviewed my credit report 45 days later which showed the reporting of my account as delinquent without the required disputed designation pursuant to FCRA 623 ( a ) ( 3 )
Consumer complaint received 2022-04-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc. (UT)

I have student federal student loans which were initially going through XXXX XXXX back in XXXX. Those loans were then transferred by XXXX XXXX to XXXX a few years later. I was set up on and XXXX payment and as told that I would be eligible for loan forgiveness after 25 years. I then went back to school in the fall of XXXX and did not take any more loans during that time. I called XXXX in XXXX to find out all of the details and best options for paying my student loans while I was going to school and was encouraged to put my loans into forbearance. After finishing my schooling in XXXX of XXXX, I started making payments again. At that time I was told that because my loans were put into forbearance, my timeline of loan forgiveness would start over. I was unaware of this or I would never have put my loans into forbearance. I feel that I was misled in what my best options were and feel that those years that I was in forbearance should be counted toward my years leading up to loan forgiveness.
Consumer complaint received 2022-04-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I have submitted disputes to you and I have not get a response within 30 days and yall are required by law to do so. Please investigate my disputes please. Thank You
Consumer complaint received 2016-04-24
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (OH)

I made a purchase using my AMEX credit card that went thru my paypal account. The services provided were not provided and I asked the merchant for a refund. The merchant responded that they would provide a refund as soon as possible and did n't follow through. I put the charge in dispute and expected AMEX to credit the charge. Now AMEX is ignoring my documentation and telling me it is up to the merchant to provide me with a credit.
Consumer complaint received 2022-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (FL)

Dear Navy Federal, Subject : Furnish 1099-C Account Number : XXXX Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX, XXXX, XXXX. 

I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. 

Please also enclose a printed copy of my payment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard USPS mail at my home address listed above.

If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within 5 business days of the written confirmation. 

Thanks in advance XXXX XXXX
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have already contacted the bureaus about inaccurate and fraudulent information appearing on my credit report. I AM DEMANDING THAT YOU REMOVE THE INACCURATE ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY OR ELSE I WILL BE CONTACTING THE LEGAL AUTHORITIES AND PURSUING A LAWSUIT. I have attached the notarized copy of my demand.
Consumer complaint received 2022-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

My check was stolen from my mailbox, it was supposed to go to my mortgage company for my house payment. The theft signed the back of my check and deposited it to his personal account. I called Chase 38 days ago and she told me it will resolve in 30 days. I called again today on XX/XX/18 and they changed the story to 60-90 days to resolve this. I need my funds ASAP to pay this month 's mortgage payment. 
Chase XXXX : XXXX Amount : XXXX Check # : XXXX
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (FL)

Dear Marnier Finance, Subject : Furnish 1099-C Account Number : XXXX Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX, XXXX, XXXX. 

I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. 

Please also enclose a printed copy of my payment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard USPS mail at my home address listed above. 

If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within 5 business days of the written confirmation. 

Thanks in advance XXXX XXXX
Consumer complaint received 2023-05-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

I got a car financed through us auto sales in XXXX, now the company have closed and have sold my contract to XXXX XXXX XXXX XXXX I have a valid warranty on my car that nobody will honor but I am being charged for it. Ive been paying my car note on time and cant use my warranty and really feel like thats fraud on us auto sales inc.
Consumer complaint received 2022-04-16
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 — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION (GA)

New additional information. 
I sent a debt validation letter to Navy Federal Credit Union XX/XX/2022 in reference to an alleged debt in the amount of {$10000.00}. I have not received a response from Navy Federal Credit Union pertaining to my debt validation letter. This is a violation of my consumer rights per FCRA, FCDPA. As a consumer I have a right to request and alleged validation of debt. As off today which is past the allowable time to respond. I will be seeking remedy for all violations. Navy Federal is reporting charge off every month on a closed account which is also a violation reporting on my consumer report
Consumer complaint received 2022-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

I am trying to pay off my second mortgage. Though my payments were construed as a 30 year mortgage, I actually signed a 15 year mortgage for {$33000.00} at 13.5 %. After 15 years of paying XXXX my payments were refused by PHH Mortgage servicing and I was offered a loan modification agreement. I agreed to the loan modification and made the payments. In the last 6 months I have sent the company over {$30000.00} in attempt to pay it off. Held in a suspense account is {$28000.00} since XX/XX/2022. In XXXX I received documentation that stated pay off amount XXXX. On XX/XX/2022 held in suspense was {$28000.00}. I wired the remaining balance of {$1900.00} on XX/XX/XXXX in excess of the difference of {$1900.00}. On XX/XX/XXXX PHH reversed the amount back to my bank account and stated they will only take certified bank checks, though the payoff statement indicated wire was preferred. I mailed {$2000.00} which takes more than a week PHH recieved on XX/XX/XXXX and which was applied in a divided 6 payments rather than to the suspense account amount for pay off. They continue to charge interest though they will not apply {$28000.00}. This is predatory by definition.
Consumer complaint received 2022-04-16
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, Account # XXXX, Account # XXXX, Account # 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
Consumer complaint received 2022-04-16
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. (AR)

This is an updated complaint. On XX/XX/2022 I notified TransUnion was notified by me XXXX XXXX and the CFPB of the violations that they are clearly guilty of. I will upload all exhibits. On that day the company was notified by the CFPB and also on Monday XX/XX/2022 at XXXX am my violation letter and invoice was signed for by XXXX. I have not received a response from transunion. I have also asked for description and procedure of the reinvestigation of the XXXX account that they stated was verified but they never provided me with the information. I asked for this two different times and I have disputed these accounts for three years now and this company is reporting false and misleading information and also incorrect information. They are in violation of the FCRA and they haven't responded to my complaint and they have not paid the invoice.
Consumer complaint received 2022-04-16
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. (FL)

Requested description of the procedures of re-investigation for alleged 4 credit card accounts and Bankruptcy currently showing on my consumer report also, requested TransUnion MAIL my Full File, sources, and report recipients Federal Law states 15days to complete re-investigation and TransUnion received certified request on XX/XX/2022 2022
Consumer complaint received 2022-04-16
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CT)

Hello and good day. I'M writing this complaint because I have been disputing the Inaccuracy of each of the accounts that i will list and the bureaus ( experian, XXXX, and XXXX ) seems to not care about following the rules of the FCRA. 
I have multiple accounts that are over the statute of limitations and are still reporting as well as an an account that couldn't be truly verified when after i sent in 6 months of letters showing the violations that are on my report.

This is causing my life damages and Im getting tired of dealing with these folk to no avail. My next step is to begin speaking to a consumer rights attorney because this is nonsense. 

1. XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX This account has 3 different dates last active so obviously its Inaccurate and now in total violation because they still haven't deleted it. 

2. XXXX XXXX XXXX is reporting a past due on a collection. I read this is A violation of thr FCRA. 

3. USDOEXXXX XXXX XXXX and XXXX are reporting 2 different dates last active and this account is way past the ststute of limitations. Why is this still reoprting?

4. US DEPT ED XXXX All three bureaus are reporting different dates last active, the statute of limitations is up and its been reaged plus theres activity being reported after the account was charged off. Like really? Its like they're intentionally trying to cause me damages 5. US DEPT ED XXXX again all 3 bureaus are reporting 3 different dates last active, the statute of limitations has past but they are reaging the account and XXXX is reporting activity after this account was Closed.
Consumer complaint received 2015-09-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (CA)

Over two years ago XXXX XXXX began sending a " past due '' bill for aroound {$50.00} to our address. ( We have had XXXX for over 5 years ). It was addressed to our son XXXX woho has lived in XXXX for over 17 years and has never lived at our aderess. 
We contacted XXXX and they said it was a mistake and they would correct and delete the charge.Over two years later we are still being harassed by bill collectors. ( The latest is XXXX ', XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, ( XXXX ) XXXX. The bill is now $ XXXXXXXXIn the process we have complained, our son has complained, and XXXX has admitted they are wrong but we are still being harassed. 
Can you help us?
Consumer complaint received 2023-10-19
Product: Mortgage — Conventional home 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: CARRINGTON MORTGAGE SERVICES, LLC (MI)

I worked out a loan modification with them. It was pay 3 payments on time, then they would put the rest at end of mortgage. I made all three payments. I talked to someone and they said yes you did and they were taking care of the rest thru a program they had. Then I got a call saying they needed my divorce paperwork because som6else might be on my title. Complete lies they told me. I have been divorced over 10 years and he's remarried. I was with another company first, whom I took my loan out with and they never needed that. My name is the only one on the title. Then they said yeah he isn't but still need divorce papers. I'm waiting for it in the mail but in the meantime they are foreclosing on me. I had to redo loan modification again. Waiting on reply. They don't like to tell the truth. One day late and they livk you out of paying even if you have a 10 day grace period.
Consumer complaint received 2022-04-16
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CT)

Hello and good day. I'M writing this complaint because I have been disputing the Inaccuracy of each of the accounts that i will list and the bureaus ( XXXX, XXXX, and equifax ) seems to not care about following the rules of the FCRA. 
I have multiple accounts that are over the statute of limitations and are still reporting as well as an an account that couldn't be truly verified when after i sent in 6 months of letters showing the violations that are on my report. 
This is causing my life damages and Im getting tired of dealing with these folk to no avail. My next step is to begin speaking to a consumer rights attorney because this is nonsense. 

1. XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX This account has 3 different dates last active so obviously its Inaccurate and now in total violation because they still haven't deleted it. 

2. XXXX XXXX Equifax is reporting a past due on a collection. I read this is A violation of thr FCRA. 

3. USDOEXXXX XXXX XXXX and equifax are reporting 2 different dates last active and this account is way past the ststute of limitations. Why is this still reoprting? 

4. US DEPT ED XXXX All three bureaus are reporting different dates last active, the statute of limitations is up and its been reaged plus theres activity being reported after the account was charged off. Like really? Its like they're intentionally trying to cause me damages 5. US DEPT ED XXXX again all 3 bureaus are reporting 3 different dates last active, the statute of limitations has past but they are reaging the account and equifax is reporting activity after this account was Closed.
Consumer complaint received 2016-09-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: MRS BPO, LLC (NY)

XXXX sent a final bill to the wrong address after I closed out my account when my contract was over I looked up the bill and paid it IN FULL they took my payment but held the bill to sell to a 3rd party collections agency NEVER telling me ANYTHING I assumed the account was paid in full called and they just re sent me to collections where i had to pay an additional {$22.00} they still put derogatory mark & late payment even though the debt was already paid for
Consumer complaint received 2017-09-08
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. (KS)

I previously had a student loan serviced by XXXX ; the loan went into default and was transferred to another servicer. I completed a loan rehabilitation program on XX/XX/XXXX and all derogatory information pertaining the payment history was supposed to be removed from my credit reports ; XXXX is the only servicer still reporting negative payment history and they are refusing to remove that information. I spoke to XXXX by phone on XX/XX/XXXX and was advised to send documentation via email verifying the loan has been rehabilitated and is in good standing ; I submitted all the requested documentation on the same day and was told I would receive a response within 3 business days- I have not received any communication. I filed a dispute with XXXX, XXXX and Transunion & sent them supporting documentation. XXXX is still investigating the dispute, Transunion has failed to even acknowledge the dispute or open an investigation and XXXX has already completed the investigation and is refusing to remove the negative information because they say XXXX validated the information. The loan was rehabilitated and is in good standing with the current servicer, the guarantor and the XXXX XXXX XXXX. There is no reason why the negative information should still show up and I would like for it to be removed as it is detrimental to me.
Consumer complaint received 2022-04-16
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (FL)

Dear Victoria Secret, Subject : Furnish XXXX Account Number : XXXX Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX, XXXX, XXXX. 

I am requesting that your company please forward me a copy of the XXXX that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. 

Please also enclose a printed copy of my payment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard USPS mail at my home address listed above. 

If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within 5 business days of the written confirmation. 

Thanks in advance XXXX XXXX
Consumer complaint received 2022-04-16
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

On XX/XX/2022 I received the attached notice from PHH MORTGAGE SERVICES regarding a supposed error the company made in adjusting my rate on an existing reverse mortgage I have with the company. The letter states that I was notified of a change in the rate on my XXXX Statement but the company in doing a review of my account they realized that the increase had NOT be applied back in XX/XX/2022 when it was supposed to have been done. They now state that they will retroactively apply the rate increase from XXXX balances. I find it odd that since I had filed a previous complaint with the company back in XXXX that they would just happen to be reviewing my account. But I am also wondering can the company make changes to my interest rate RETROACTIVELY and then adjust it on the current statement moving forward? I would also like a description of how they arrived at the new interest rate. 

I have attached the notice they sent me as further explanation of this issue.