davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: VALLEY NATIONAL BANCORP (NY)

My Checking account balance is currently at negative {$120.00} due to fraudulent transactions that occurred on XX/XX/20 for the amounts of {$1000.00}, {$1000.00} and {$310.00}. The bank chose to take away the provisional credit and did not explain why they were not protecting my account from fraud. 

Three things are happening now ; I am now responsible for the fraudulent transactions, my Checking account in now in a negative balance that the bank claims I am responsible for, and they are threatening to report my account to XXXX XXXX XXXX. with negative comments so that I can no longer open a Checking account at another financial institution.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

My mortgage is serviced by Specialized Loan Servicing. Today I received a phone call from the company asking me what my intentions were for the property. I told them I didn't understand the question. At which point they informed me the call was not an attempt to collect a debt because it had been discharged in bankruptcy on XX/XX/XXXX. This loan servicer has had the debt since XXXX, prior to that it was with XXXX  XXXX XXXX. The trouble is that neither myself nor my husband who holds the debt jointly with me have ever declared bankruptcy. 
I asked the agent for more information and she said they would research it. This loan also escrows tax liability as well as homeowners insurance yet they informed me that I was not required to pay the amount due. However there is a lien on the property and I am paying down the lien. 
I requested more information about the bankruptcy and they could not put me in contact with anyone who could immediately resolve the issue. It is very disturbing that this information is not available and I don't want to wait devote an enormous amount time and energy to fix this mistake.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

What happened? 


I sent a letter Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE ANS SEND ME THE RESULTS. 

And they also did not even record the current status of the disputed information which is another violation. 

I have all the evidences attach below.
Consumer complaint received 2015-10-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NC)

As a single mother of XXXX children, over the past 15 years, I have maintained to the best of my ability and income to keep my mortgage current. When my child support ended per our agreement, I experienced other hardships and I began losing hours and overtime pay at work, it became more difficult to keep current. Over the last couple of years my mortgage has been with Chase. I contacted them and requested assistance and to modify my loan payment to bi monthly to make it easier. They refused and when I submitted my documents for modification they only reduced my payment by {$40.00}. I also asked to have the PMI removed and again they refused. Now they sold my mortgage to XXXX and this company is immediately instituting the foreclosure process after I told them the house has been on the market for a year and I am willing to do a short sale.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

RightPath Servicing has fraudulently placed insurance on my property and has not allowed my mortgage payments to be applied accordingly. RightPath Servicing has misappropriated my mortgage payments. 
RightPath Servicing claimed, on XX/XX/2022, that my betterments and improvements insurance had expired. At no time did my insurance expire. Betterments and Improvements is a clause found within insurance policies and NOT a policy that can be purchased separately. RightPath Servicing sent a letter on XX/XX/2022, as a Second and Final Notice that I needed to purchase Hazard insurance or they would place a LPI policy on my property and charge me for the cost. I have sent RightPath Servicing proof of Hazard Insurance, on numerous occasions, to the email address they provided, listed after the language, If you prefer you may update your HAZARD coverage online at :. RightPath Servicing does not deny that Hazard Insurance is NOT H06 Insurance. RightPath Servicing admits they werent responsible for sending a letter dated XX/XX/2022 claiming the obtaining of a H06 Insurance policy on my behalf, a letter I never received. RightPath Servicing can not provide proof of it being sent. RightPath Servicing did not provide a copy of this letter until responding to my complaint on XX/XX/2022. I immediately purchased H06 insurance after seeing, for the first time, that I was being charged for this policy. I was first made aware of RightPath Servicing requiring a H06 Insurance policy, when it appeared on my XX/XX/2022 mortgage statement. There is no such insurance policy as a Betterments and Improvements policy, again, this is a clause and not something that can be purchased individually. The same with Hazard insurance, it is not a separate insurance policy. If RightPath Servicing would have stated, since XX/XX/2022, that a H06 Insurance policy was needed, I would have purchased it then and not in XX/XX/2022. RightPath Servicing insisting I purchase Hazard Insurance was deliberately deceptive, intended to cloud this issue until such a time they would place an H06 policy on my property, backdating it to XX/XX/2022 and assessing me for coverage from XXXX thru XX/XX/2022. I was not assessed for this coverage on my XXXX or XXXX mortgage statement, it was not until XXXX, did they assess me, increasing my mortgage payment by {$1000.00} per month.
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (VA)

I received a letter from Convergent Outsourcing , Inc. on XXXX XX/XX/XXXX stating that I owed XXXX XXXX {$170.00} I wrote Convergent Outsourcing , Inc. a debt validation letter and mailed it to them certified mail with return receipt ( certified number XXXX ) on XXXX XX/XX/XXXX. To this date ( XXXX XX/XX/XXXX ) I have not received the return receipt, nor any correspondence from Convergent validating the debt. The letter Convergent mailed stated that if I write to them by XX/XX/XXXX, they must stop all collection until they show information that shows I owe the debt. 
I believe Convergent has deliberately not responded to my validation request so they can apply this unvalidated account to all my credit reports, which they have done because XXXX days ago I was notified that the account now appears on all three credit reports. I contacted XXXX XXXX on XXXX XX/XX/XXXX, and, per a legally recorded phone call with a XXXX representative, verified the account number I had with XXXX is NOT the same number Convergent is claiming is mine, and I do not owe them any money. If anyone needs to hear the phone call recording, please contact me and I will be happy to play it, or if there's a way to upload it, please show me how and I will gladly do it. 
I would like this unvalidated, incorrect, derogatory immediately removed from all three of my credit reports.
Consumer complaint received 2023-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TN)

I consumer XXXX XXXX reviewed my credit report and I notice that Enhanced Recovery Company is violating my rights and defaming my character. I have sent in invoicing outlining the violations that they have violated. According to the laws the are outlining in 15 USC 1692 b ( d ) ( c ) ( e ) ( f ). I am not going to keep allowing my rights to be violated.
Consumer complaint received 2021-12-23
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: Experian Information Solutions Inc. (MD)

I recently reviewed my credit report and noticed some unauthorized accounts and inquiries. I since then contacted the company and was told what documents that needed to be provided to remove the unauthorized items. I have provided those documents but the accounts and some inquiries still persist. I am a XXXX veteran and I am trying to purchase my first home and would love this to go away fast.
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (GA)

Due to inaccurate information being reported on my consumer reports by other CRAs without my permission and the immense hardship and suffering being caused to me because of this false reporting, I requested a copy of my consumer report from Lexis Nexis online in XX/XX/2022 and was denied online access. I was then forced to request my report be sent via mail. I just received a response to my request from Lexis Nexis to which they refused to process my request due to the fact that they are " unable to authenticate my identity ''. 
Lexis Nexis is requesting personal information that I the consumer do NOT feel comfortable sharing. I find this to be very invasive and in violation of my privacy. I have the right to know what is being reported on my report and I do not consent to being coerced to get a copy of my report.
Consumer complaint received 2023-01-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

I have an open complaint with XXXX XXXX. Since I filed this complaint against them I received a letter informing me they found my lost payment and applied it to my account. That was dated XX/XX/XXXX. Today. XX/XX/XXXX I receive a mortgage statement informing me that the amount due is now {$5000.00}. XXXX mortgage payments are missing. All of which have been paid. They are going to charge me late fees on money I do not owe and continue to ruin my credit with this unethical loosing of payments or applying them to the wrong accounts as they like to claim. How are they allowed to continue servicing mortgages when they rob us blind, ruin our credit and then threaten us with delinquency notices and more. How? I am so angry I am shaking. The stress caused by this company us affecting my health..please do something about them and help me get them to fix my mortgage. Who else do I need to contac
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: EQUIFAX, INC. (NC)

I am trying to cancel my subscription to Equifax. I paid the annual rate in XXXX. In XXXX, XXXX XXXX XXXX XXXX said they were doing the credit checks now and Equifax would not be necessary to use. So I contacted Equifax three times, sent two letters as requested to the company with no response. The last letter I sent by certified mail receipt and have not received the receipt after two weeks. 
I have varied my identification twice, picture and license, they have told me then to write a letter and I would get my money refunded for the rest of the year. Along with the letter, picture of myself and a copy of my license, I sent a copy from their website saying that they will refund money if someone cancels the service.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (CA)

I have been with first progress for XXXX years. I have good credit and owed nothing on this card. I spoke to an agent in XXXX to remove XXXX late fee and expressed why I am getting late fees if I have not balance. 

They are charging me monthly {$29.00} and charge me a late fee regarding this but said to call in XXXX and they would remove the other {$41.00}. 

I spoke to an agent XXXX on XX/XX/2023 at XXXX and she expressed that i was misinformed and there could not be a removal of another late fee. I also explained this has cause a great impact on my credit file and needed this issue corrected. To no avail I received no resolution. 

I realize this much is a predatory card and also wanted to close this card out but can not. 

I really need help with this issue.
Consumer complaint received 2023-01-14
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: Marlette Funding, LLC (VA)

On XXXX XXXX, 2023 I received a message from XXXX XXXX informing me that a change in my credit information has occurred as a result of a hard credit inquiry. On XXXX XXXX, 2023 I requested a credit report from XXXX, XXXX and, XXXX. On each of the reports I identified an erroneous name ( XXXX XXXX XXXX has been added to my record as well as, XXXX telephone numbers ( XXXX and XXXX ) and, an erroneous last XXXX digits ( XXXX ) of a social security number. Additionally, I noticed a hard inquiry dated XX/XX/2023, from XXXX, XXXX XXXX XXXX XXXX, IN XXXX, tel. XXXX, appears on all three of my credit reports. Also, there are XXXX soft inquiries from : - XX/XX/2023 - BEST EGG, XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX, XXXX. 
- XXXX XXXX, 2023 - XXXX XXXX, XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA XXXX. 
- XX/XX/ 2023 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX. XXXX. 
I contacted the credit bureaus to request my records be corrected. XXXX proceeded to add an alert to have businesses requesting inquiries to contact me to confirm my request for credit. The credit bureaus are requesting I report the incidents to the FTC and/or law enforcement authorities in order for them to maintain the alert in my records and correct the erroneous information.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2015-04-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO. (PA)

I failed to pay my car loan. Thought I paid on line but must have clicked wrong button. Money in checking for car loan was spent ; mixed together with tax refund. 
I understand that I need to pay and appreciate the loan but received a notice that my car will be repossessed if I do not pay within 10 days. 
I feel that after paying on a loan for 4 years a 10 day notice that they will take my car is extreme and unethical. 
This was my XXXX notice of repossessing my car and after 3 days for mail delivery I now have seven days. 
I contacted Chase on line yesterday and my message was transferred to another department ; no reply from them.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Consistently, I've made sure payments on this account are always on time, avoiding any instances of overdue payments. I'm uncertain about the reasons behind reports of late payment remarks on my accounts.
Consumer complaint received 2023-01-14
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. (IL)

I have reached out to XXXX XXXX XXXX numerous times and nothing has changed regarding the negative account on my credit. I filed a police report stating that my identity had been being used to secure accounts that I had no knowledge of, with XXXX being XXXX of them, however the company is still reporting a charge off and bad debt. Each credit bureau is reporting a different amount and different history. The account does not belong to me and it is hurting my chances of applying for a home or even another vehicle.
Consumer complaint received 2023-01-14
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. (IL)

I have reached out to XXXX XXXX XXXX numerous times and nothing has changed regarding the negative account on my credit. I filed a police report stating that my identity had been being used to secure accounts that I had no knowledge of, with XXXX being one of them, however the company is still reporting a charge off and bad debt. Each credit bureau is reporting a different amount and different history. The account does not belong to me and it is hurting my chances of applying for a home or even another vehicle.
Consumer complaint received 2016-08-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Genesis Lending (CA)

I WAS TOLD TO TAKE OUT A PRIVATE STUDENT LOAN THROUGH GENISIS LENDING SINCE MY FEDERAL LOANS WOULD NOT COVER WHAT WAS OWED. I TOOK OUT A LOAN AND THEY MADE ME PAY IT WHILE ATTENDING XXXX. XXXX DID NOT FOLLOW THROUGH ON THEIR PROMISE FOR JOB PLACEMENT ASSISTANCE. XXXX MISLEAD ME. I HAVE ALSO DISCOVERED THE CREDITS THEY TOLD ME I WAS EARNING ARE NOT VALID FROM THE CLASSES I TOOK.
Consumer complaint received 2022-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NC)

I have been disputing this account for almost a year both with the credit bureaus and creditor and is very unsuccessful. I requested for reinvestigation and documents how the investigation was done and i have not received anything back as yet. I filed a police report and gave them all the documents to help with the investigation and also mailed them twice, it came back as undeliverable. They fail to investigate the account.
Consumer complaint received 2023-01-14
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. (IL)

I have reached out to XXXX XXXX XXXX numerous times and nothing has changed regarding the negative account on my credit. I filed a police report stating that my identity had been being used to secure accounts that I had no knowledge of, with XXXX being XXXX of them, however the company is still reporting a charge off and bad debt. Each credit bureau is reporting a different amount and different history. The account does not belong to me and it is hurting my chances of applying for a home or even another vehicle.
Consumer complaint received 2023-01-14
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. (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. 

XXXXXXXX XXXX ( CLOSED ) xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX : Account Number XXXX XXXX Account number : XXXX XXXX XXXX XXXXXXXX ( CLOSED ) Account Number XXXX XXXX XXXX ( CLOSED ) : Account number : XXXX XXXX XXXX XXXX : Account number : 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 ) ( 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. 

I was told that these accounts are verified as accurate by Equifax, but I did dispute these accounts directly with the companies and i received a letter saying they are investigating, and I should hear them soon, but somehow the credit betray has already concluded their investigation, and are verifying as accurate. I am using my FCRA section 609 rights to ask for original signed contracts with these accounts, because I know I did not sign a contract with any of these companies. I have mailed a letter regarding this concern to Equifax already, and I am uploading the copies on here as proof. 

These are fraudulent accounts, I XXXX XXXX did not sign any contracts with this company. I would a fair, and proper investigation done and this account deleted right away. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised i am also requesting the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.