davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

My mortgage payment for XX/XX/2020 and XX/XX/2020 went to XXXX XXXX  rather than the intended Mortgage holder which XXXX/PHH. I have contacted and provided proof of payment but they don't offer a solution. They refuse to help becuase I dont have an account with them, but they have my money. My mortgage is XXXX each month. I have borrow money for the missing payment to make a second payment for XXXX. It appears I will not be able to make a second payment to cover the second payment lost for XXXX.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-06-18
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. (TX)

On XX/XX/2020. I sent a dispute letter along with a FTC report to Experian, explaining that I had fraud accounts on my report, and they needed to be removed. The certified letter ( tracking # XXXX ) via USPS. I followed up about 2 weeks later, to find out that the dispute was not even in the record with Experian. The customer service rep explained they had no record of any dispute. The fraudulent accounts still remain on my credit report. On XX/XX/2020, I went ahead and sent out the same letter & FTC Identity Theft report to Experian. The certified letter ( tracking # XXXX ) via USPS. I called Experian on XX/XX/2020, XXXX with Experian Dispute Department verified my information through identity verification questions. XXXX with customer service stated I needed to be transferred again to the special assistance center with Experian. I went through this twice, and when I am transferred, the IVR asks me to leave a voicemail, and just hangs up my call. I have been working to resolve this for months now, and I can not get anywhere with Experian. I have sent the letter & FTC identity theft report twice now, and still don't get any responses. 

I am attaching the dispute letter & FTC identity theft report that I have already sent twice. 

Additionally, I have a free basic online Experian membership, I do not have the ability to dispute my file online, I would like the ability to dispute online. No customer service member with Experian is able to assist me with that. 

I am attaching the error message I get when trying to dispute online. This is NOT a technical error on my side, as I have tried on every browser and 7 different types of computers/phones.
Consumer complaint received 2020-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (HI)

NewRez is servicing my mortgage account. On XX/XX/2020 I made payment in full for the forbearing balance ( as due to COVID-19 event ) that I owed for the month of XXXX and XX/XX/2020, and an extra payment amount to cover XX/XX/2020 due. However, my extra payment amount appeared on my statement as for the extra principle amount instead, and my XX/XX/2020 due was still owed. 

On XX/XX/2020 I called the customer service line at XXXX, waited in the queue and got disconnected by their automated system after 19 minutes. 

On XX/XX/2020, I logged on my account online ( myloan.newrez.com ), wrote email via " Contact Us '' link and requested them to apply my extra payment they received on XX/XX/2020 to my XX/XX/2020 payment. I wrote the email because their web site stated that " Please allow two business days for emailed questions. '' On XX/XX/2020, which is 8 days past my 1st email, my payment still has not been fixed, I sent another email via " Contact Us '' link and also called the customer service line twice. The first time I got disconnected after 15 minutes, then the second call got disconnected after 35 minutes. 

I am not able to resolve with NewRez regarding my past due amount. If I don't send in additional extra amount that I DO NOT OWE, eventually after a period of time, my credit score is going to be affected as I am already finished my forebearing period ( as the result of COVID-19 event ).
Consumer complaint received 2020-08-12
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica (TX)

On XX/XX/2020 I filed a complaint of fraud. Someone in XXXX was using my Direct Express without my permission. Direct Express was very good, getting money back to account very fast. They then issued me another card # XXXX XXXX XXXX XXXX but it would not work. Issued another card # XXXX XXXX XXXX XXXX which I was not able to use. After many times of calling Direct Express and holding an average of 45 minutes, the line was disconnected. I wrote them a letter about the situation but was never answered. I need my money, that is my bill payment money. I do not what to do. My balance is about {$1700.00}. What should I do.this is upsetting me so much. My SS # XXXX. 
Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revenue Enterprises, LLC (KS)

I have been receiving calls from Revenue Enterprises LLC for months. I do not talk to them. Their message says they are a debt collection service. They do not say who owes the debt or use my name. I do not owe any debts so I think this is a scam. They are located in XXXX. Co. Their telephone # is XXXX XXXX XXXX but they leave a different call back number. I would think that not getting a response from me they would send a written notice if they are legit. Please advise me on how to get the calls to stop.
Consumer complaint received 2020-08-12
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: Experian Information Solutions Inc. (FL)

Unauthorized inquiries on my Credit Report. I've tried to dispute to the credit bureau and I've tried going directly to the creditor but failure to respond. Failure to investigation and failure to provide details of the investigation under law and failure to removed unauthorized inquiries. At this point I am being denied on my acquisition of credit due to the fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-06-18
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. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. 
Company Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2024-02-23
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish a 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 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

To whom it may concern, I have made multiple attempts to reach out to Experian to dispute several accounts that are inaccurate and unverifiable. I've attached the dispute letter which has received no response for over 60 days. Due to this delay and neglect, Experian has failed to follow federal laws as outlined by the FCRA. 

These negative accounts have caused me much personal grief and I have attached my demand to comply letter which has been ignored. I have proof of my letters being delivered on time through USPS certified mail. There is absolutely no excuse that in the last two months Experian has refused to respond. 

I would appreciate your help in resolving this issues and helping Experian comply with the federal laws made to protect consumers such as myself. 

Thank you.
Consumer complaint received 2020-06-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MEDICAL BUSINESS CONSULTANTS, INC (FL)

I WAS A PATIENT AT XXXX XXXX XXXX XXXX   THEY SUBMITTED THERE BILL TO MY INSURANCE COMPANY, WHICH IS XXXX XXXX XXXX  XXXX, THE INSURANCE COMPANY PAID THE BILL. I INFORMED THEM THAT THEY NEED TO CALL THE INSURANCE COMPANY SINCE XXXX INFORMED ME THEY SENT THEM 2 CHECKS ONE FOR XXXX AND ONE FOR XXXX THAT HAVE NOT BEEN CASHED AS OF THIS DATE. FROM XXXX INSTEAD IT WAS SENT TO A COLLECTION COMPANY MEDICAL BUSINESS CONSULT OF XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX ( XXXX ) XXXX ADDITIONALLY I AM ALLOWED UNDER HIPPA LAW ( HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ) TO PROTECT MY PRIVACY AND MEDICAL RECORDS FROM THRID PARTIES I DID NOT GIVE XXXX XXXX XXXX XXXX AUTHORIZATION FROM HIPPA TO RELEASE MY MEDICL INFORMATION TO A DEBT COLLECTOR. I CALLED THE COLLECTION COMPANY WHO WILL NOT COMPROMISE NOR WILL THEY REACH OUT TO THE INSURANCE COMPANY INSTEAD THEY KEEP LISTING THIS MEDICAL DEBT ON MY XXXX AND XXXX I   WOULD LIKE TO RESOLVE THIS MATTER AS QUICK AS POSSIBLE WITH THE OUTCOME BEING PAID IN FULL AND DELETION OF NEGATIVE ITEM FROM MY CREDIT REPORT.
Consumer complaint received 2020-08-12
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. (TX)

Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. CHAPTERXXXXBANKRUPCTYDISCHARGED XXXX XXXX  XXXX {$1500.00} XXXX XXXX {$1200.00} XXXX XXXX {$1500.00} XXXX {$3300.00} XXXX XXXX {$860.00} XXXX   XXXX {$710.00} XXXX   XXXX {$1500.00} US DEPT ED XXXX {$6300.00} USDOE XXXX XXXX {$49000.00} USDOE XXXX  XXXX {$3700.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1700.00}
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

On XX/XX/2020 my credit score went from XXXX to XXXX. I put in a dispute with TransUnion. They accept my dispute and my credit went up to XXXX. Then on XX/XX/XXXX my credit score went from XXXX to XXXX. I disputed that the XXXX account # XXXX was still active and not closed. They disagreed. They took this card off of my credit report. This card has a credit limit of {$4600.00} and a balance of {$29.00}. I would like this credit card used to show my proper credit score. I would like my XXXX credit score reassigned.

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Consumer complaint received 2020-08-12
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: Experian Information Solutions Inc. (MA)

I was stopped second in line of cars at a red traffic signal. 
The vehicle behind was distracted driving and failed to stop. 
I am injured. 
Physically I have been XXXX  on as a direct result of my injuries. 
I have been out of work from these injuries. 
I have received bills as a result of these injuries. 
These bills are not reimbursed As a result of these injuries. 
These credit reporting agencies faulsify my credit report Carelessly without authorization or authority. 
XXXX. XXXX
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc. (AR)

In 2015, terminated a lease and gave 60 day notice. Fees were resolved by deposit. I was only suppose to be responsible for cleaning fees and past due rent which totaled to {$1100.00}. Credit agency is reporting balance of {$3100.00} and will not investigate.
Consumer complaint received 2020-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX I was charged by XXXX for XXXX i called my bank and claimed it fraud for my credit card sas stolen as well as my phone. I called up XXXX XXXX many times in regards to this purchase and I was told that iteam was returned to them. How ever they will not be issuing me any refund for there was a flash on the account which the item was bought with and they refused to give me back my money even though they have the item at hand. I asked for a receipt for the retuned item and refused to send it to me. My credit card chase united explorer mileage plus. Have stuck me with the charges even though XXXX XXXX has the iteam retuned and they told me to deal with XXXX XXXX. Though after many phone calls and 3 months latter I still never received a refund back. Now I am being charged the full amount of XXXX.
Consumer complaint received 2020-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

Suntrust Mrtg Inc., was negligent in the naming of the borrower on the Subordinate Mortgage recorded with the XXXX County Commission on  XX/XX/XXXX, Book XXXX, Page 1461. 
Suntrust Mrtg Inc., changed the information on page 1 of the Subordinate Mortgage one year, 7 months, and 16 days later without my knowledge by swapping out page 1 and had it re-recorded with the XXXX County Commission on XX/XX/XXXX, Book XXXX, Page XXXX. This has caused a cloud on the title of my home for which I have an executed contract to sell my house to a buyer. Because of this cloud on the title created by Suntrust Mrtg Inc., Suntrust Mrtg Inc., prevented the closing on the sale of my house that was scheduled for  XX/XX/XXXX because Suntrust Mrtg Inc., has not provided the complete payoff information. For several weeks, the title agency handling the closing and myself have spoken to many customer service representatives, mortgage client care representatives and people I was told were supervisor but were not supervisors. I was told by XXXX of XXXX XXXX XXXX that I would receive a call regarding the payoff information within 3 days from when Suntrust Executive Services investigated the issue. I did not receive a callback. I also spoke with XXXX on XXXX XXXX regarding the payoff. She informed me that her supervisor was researching the issue and would send me the payoff on Monday. I did not receive anything on Monday XX/XX/XXXX nor did I receive a phone call.
Consumer complaint received 2022-11-06
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. (CA)

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 : Account # XXXX, XXXX  XXXX  XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX 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.

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.

15 U.S.C 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 2020-06-18
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (AL)

I purchased furniture and got a loan from WellsFargo in early XXXX. When the first statement came I tried creating an account online and was not able to. Called the customer service team and they indicated they needed in person verification. I took time off work to go to one of the local branches so they could do the verification. They told me the issue was resolved and I should be able to create my account. Tried creating my account but I was not able to. Waited some more to see if it just need to be refreshed. I tried in several occasions but was not able to. Called on XX/XX/28 to get help, was told a technical support ticket was opened and the issue would be resolved in a few days. Never heard back. When my account is due they sent me an email asking to log in to view important messages. I tried longing in but couldn't. I called their customer service team, spent just about XXXX minutes on the phone with several transfers and holds and the issue was not resolved. I am having a hard time trusting this financial institution with my private information as they cant even resolve their own internal system issues. 

Following WellsFargo guidance of calling, being on hold, going to their local office, calling some more, I have spent hours of my time trying to resolve this issue. I had to take time away from work to get their issue figured out. They should be held accountable.
Consumer complaint received 2020-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (FL)

I have an unverified account on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I have disputed the validity of this debt and requested verification of this account but there was no response .Therefore I am requesting this debt be removed for three reasons. 1. ) Account not marked disputed in a timely manner. 2. ) Unable to provide proof of this debt, and 3. ) No response to letters of validation. In this complaint there will be documents showing the collection agency received two certified letters. Thanks in advance for your cooperation
Consumer complaint received 2022-10-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (LA)

XX/XX/2021 a loan was funded to me. I needed the money to survive from getting XXXX. This was done online over phone. Net Credit 's disclosure is small print and very long and confusing. It shouldn't be appropriate due to the interest rate being 98 %! DAILY INTEREST In a state where that rate is illegal! I borrowed {$2000.00}. After 3 months of bi weekly payments automatically being drafted out of my account. I happen to see the balance was {$2400.00}. I was in shock. Not realizing making payments on time and the balance only increased! There was no way I could afford this. Especially after hurricane XXXX. Rent doubled along with gas and utilities and food. I had to move in with a friend. And my child had to go live with his father. All Net Credit will say that I electronically signed saying that I understood the disclosure. If this is how they do business? I am sure there are many other people going through this same thing. This takes loan sharks to a whole new meaning. They should not be in business. And someone needs to stop them.
Consumer complaint received 2020-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I am at high risk for COVID-19 for health reasons so I can not go to court but I was sent a summary judgement. I believe in justice and the way I am being treated is not justice. The Plaintiff will automatically win because I am following NC Governor XXXX Safe at Home order. This stronghold and unfairness treatment for me and my well being is suspect at best. I am being set up to fail and not be heard. I do not have a job which is why I am behind on bills. I do not have a residence but live with a friend. I have no possessions. I told the creditors lawyers this but XXXX and XXXX for Bank of America has made it a mission to harass me and go around the law to win their motions. I need this summary hearing postponed. 

Also, the last bill I receive the amount I owe was {$4200.00} but XXXX and XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Va XXXX ) are charging more and claiming no interest was added which is not true. 

XXXX XXXX XXXX File no : XXXX XXXX XXXX XXXX XXXX   XXXX, NC XXXX