davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

On XXXX  we received a letter from PHH Mortgage that our PMI was removed and our home owners insurance would be cancelled effective XX/XX/XXXX. In the letter it was mentioned we were responsible for finding new insurance, not that we needed to send our insurance to our mortgage company. On XX/XX/XXXX PHH withdrew money from our escrow in the amount of {$1800.00} to renew insurance with XXXX after we would told it was was cancelled and secured new insurance with XXXX XXXX. After numerous attempts we got through to customer service on XX/XX/XXXX and were transferred 6 times and were told we had to call XXXX  to get a refund and to send our next insurance in. The customer service supervisor told me that he would make sure that PHH would NOT pay our XXXX XXXX insurance since it was paid through out account. I sent in a copy of our XXXX XXXX insurance declaration on XX/XX/XXXX to the email told and in the email stated explicitly DO NOT PAY insurance. I had to call XXXX to receive a refund on XX/XX/XXXX. I then looked on my mortgage and on XX/XX/XXXX they paid my XXXX XXXX  insurance in full after I explicitly told them not to. I called back customer service again on XX/XX/XXXX after being transferred 3 times and told them they need to refund my escrow and I was told that my account would be noted to NOT pay insurance. 
We have spent hours on the phone trying to get our money back and having them stop paying for the insurance we are already paying. They are not trying to help at all and making me do all the work from their mistake.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to follow up on my previous correspondences regarding the inaccurate negative entry that continues to be reported on my credit report across all three major bureaus. Despite numerous attempts to rectify this matter, I am disappointed to inform you that I have yet to receive a satisfactory resolution.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (HI)

I spoke with Experian verified my identity through many??? S and my PIN number was changed by an insider My credit report included a fragment report attached to my file by Experian it is on no other transcripts except Experian and it stated to not extend credit to me unless you call the number that was ported Illegally from me in XXXX I have filed numerous reports via online etc saying this is not my true phone number and I never made this personal statement I dont even speak that way Today XX/XX/XXXX Experian finally after three years of complaining amended my personal statement Now it saysI am working w creditors like I am a poor risk client which is simply untrue I just was approved today for XXXX XXXX XX/XX/XXXX I have paid all my debt and every false fraud charge and was conned out of XXXX dollars XXXX and my credit score still remains at XXXX. 

The personal statement attached to my file which will remain on it for a year or longer depending how long Experian feel on hurting me more and longer summary I am working with creditors and trying to bring up my score which is not true I pay my credit cards twice a month and have had one late payment in the last XXXX XXXX years Plz see attached personal statement added by Experian today XX/XX/XXXX
Consumer complaint received 2023-03-07
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)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any inquires which were unauthorized within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (FL)

A check was stolen from a US Post Office, edited and cashed for a sum of {$8100.00}. The funds have been missing from my account since XXXX of 2022. I filed a claim with Chase Bank and they claim they cant do anything and its up to XXXX  XXXX XXXX to investigate and pay me back. I am out a lot of money and have had no luck getting this resolved. There must be a solution.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

" I discovered that my stepfather had created an email account in my name and used his credit card to open a line of credit without my knowledge or consent. As a result, I recently received a notification about a late payment on an account I had no prior knowledge of which has dropped my score by XXXX points.
Consumer complaint received 2023-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AZ)

Original Creditor account is already 4-5 years old. A new company is showing on credit report as newly opened in 2021. It's stated NOT to communicate with creditor if it is an old account for that may, " reset '' the time clock of responsibility showing on credit report. I have had NO contact with new company, but it shows as fairly new account. This is not a fair practice as account is actually old and should be falling off my report. Original Creditor may have an account with newer company showing on my report, however, I DO NOT, and NEVER HAVE had an account with the new company, nor have I had ANY contact with them. PLEASE HELP, I've been dealing with this issue for far too long.
Consumer complaint received 2023-01-16
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (FL)

I am writing to dispute a charge of {$8000.00} to credit card account ending in XXXX on XX/XX/2023. 
The charge is in error because I didnt authorize the transaction, nor did I apply for this card. I have a Barclay carnival card that I have had for years and I have not used it, so there is no need for a new Barclay card. As I explained to the representative that I spoke with on the XXXX of XXXX while in XXXX my purse was stolen, and my personal information was in my purse. I have not purchased any items nor have I benefitted from this transaction
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-02-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (FL)

I have tried since XX/XX/XXXX to access my Affirm account via cellphone, as Affirm suggests, but have been unsuccessful due to Affirm Log In issues. 
Affirm Customer Service via the phone has told me that they would advance my account to a supervisor who would send me a email reset so I could relink my cell phone number to my account. This mysterious email has never happened and I have no access to be able to either apply for new Installment loans, pay any current or outstanding Installment loans, or even update my account and see its current status. 
I feel like my concerns are not being taken seriously by Affirm and the entire lack of follow thru, follow up, and at least decent customer service is severely lacking within the Customer Service Division of Affirm.
Consumer complaint received 2019-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NJ)

NOTE : THIS IS NOT A DUPLICATE DISPUTE>>>>>>>>>>>>>>>>>>>>>>>>>> This loan servicer made erroneous adjustments on my loans and is refusing to fix the problems after my numerous attempts to resolve. In XX/XX/2018 they made an error and converted the payment deferment status into a repayment status on my loan # XXXX. This made the payments became due immediately instead of due in 4 years after my child graduated. 
I never asked for these adjustments and I never signed a contract waiver agreement to make changes to the loan. Additionally by XX/XX/2018 on my other loan # XXXX that is in repayment status, they removed without prior warning the Direct Debit Auto Payment plan then removed the .25 % reduced interest and increased the rate to 7 % higher. 
Full disclosure, due unforeseen financial circumstances by XX/XX/2018, I filed a chapter XXXX reorganization petition however these loans are not included and I have been paying these loans on time as agreed. This is an unresolved petition and should have bearing for the adjustments that's being made on the loans of removing the payment deferment plan or removing the Direct Debit Auto payment plan ; on the contrary, these are the types of options that should remain to help. Lastly to add more injury, even though I pay on time they are reporting to credit agencies that the account is in an adverse default status. 
I am trying to honor my payments contract agreements however this loan servicer is making it very difficult by making unwarranted adjustments and false credit reports that's causing unnecessary problems.
Consumer complaint received 2024-04-01
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

A while ago I settled a debt I had with Portfolio Recovery Associates for which I used an online account. A few days ago I received a letter from them saying that I made a payment agreement for a different account when that was not the case. They used my account and previous information to simulate a payment agreement and restart the time period to collect it since it is a debt from more than 13 years ago that actually I do not recognize. I feel like my identity has been stolen or my account has been used without my authorization to make arrangements in my name.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This account from XXXX XXXX XXXXXXXX XXXX is a direct result of true identity theft, this company is in direct violation of FCRA 1681c-2, which prevents the reporting of fraudulent accounts for which this is inaccurate reporting and a violation of the law and my consumer rights. Furthermore, this company refused to provide me with the original contract they claimed that i signed, they also refused to provide me with the picture identification card used to open this account so that i could asist the investigating officer of my identity theft case. Additionally, FCRA 605B instructs credit bureaus to BLOCK the aforementioned accounts within 72 hours of being notified in which XXXX, XXXX, AND EXPERIAN IS BOUND TO DO BY MANDATE OF LEGISLATIVE LAWTHAT GOVERNS SUCH POLICY AND PROCEEDURES. THIS IS NOT A *DISPUTE REQUEST. THIS IS A REMINDER THAT THEY MUST ADHERE TO THE GOVERNING APPLICABLE LAWS MENTIONED HEREIN!
Consumer complaint received 2023-02-20
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. (OH)

The credit inquiries listed below are unauthorized and I have attempted multiple times to contact these companies directly to have them remove them and havent received a response. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (VA)

I made a payment of {$550.00} on XX/XX/XXXX. I made a payment of {$20.00} directly after I sent that one but the bank did not explain to me where they money went. I watched it leave my checking account it was sent to XXXX XXXX. Truist Bank is the bank that I used. I talked to two people that told me the money did not leave my account when I saw it myself
Consumer complaint received 2023-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2016-01-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (WA)

I am writing because : My Lender Caliber Home Loans did not acknowledge my request. 
" In accordance with Section 6 of the .... ( RESPA ), under Section 6 of RESPA you are required to acknowledge my request within 20 business days. '' They DID NOT and HAVE NOT acknowledge my request to date, which is long past the required period required by the Act. 
Attached are copies of proof of they received my request on XXXX XXXX, 2015 at XXXX What action they should take : Though the required acknowledge period have pasted, " In accordance with Section 6 of the .... ( RESPA ), under Section 6 of RESPA they must acknowledge my request. 
XXXX XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-28
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: DISCOVER BANK (IL)

i purchased a new laptop computer online XX/XX/2022 for XXXX the laptop was falsely advertised and the XXXX factory seal missing therefore this laptop was used, refurbed or tampered with, also later noticing the specifications were not correct, I took this matter up customer service multiple times disputing the charge and it kept being solved in the merchants favor saying it was a valid transaction, so i contacted the Executive officer of customer advocacy ( XXXX ) Once again they said it was a valid transaction, This Has Nothing To Do With Being A Valid Transaction, This Was Fraud And False Advertising Which Is Illegal, Therefore they Let A Criminal Violate me, I've Been A Customer Of Discover For 28 Years, I Definitely Do Not Agree With The Way This Issue Was Handled
Consumer complaint received 2023-02-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (GA)

Approximately 5 to 6 years ago I acquired a Personal line of credit with Wells Fargo. After getting the account I attempted to have the account closed and was persuaded to keep it open. I really felt pressured and manipulated into keeping the account open. I finally refused to keep the account open, but I felt very violated.
Consumer complaint received 2023-02-15
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 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
Consumer complaint received 2023-02-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Network Inc. (FL)

I'm being approved for the Homeowner Assistance funds for 17 futures mortgage payments. This is a federally funded and regulated program - overseen by the U.S. Treasury. Mortgage companies and are required to comply with guidelines set forth by the Federal Government in terms of reporting and communication. HAF are sending the bulk checks and they aren't applying on time to my account. As of today, my XXXX and XXXX payments are past due because they aren't applying the payment on time. It's not fair that they received the payment on time and they still reporting to the Credit reporting agencies. It's a nightmare every month dealing with late fees that are unfair since the payment arrive on time. On XX/XX/2022 HAF send the XXXX payment and as of today nothing is applied in my account. As of today, my account is 45 days past due and I'm being receiving notice letters letting me know my options to not lose my house. Please I need someone to help with this matter.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX I certified mailed ( receipt # XXXX XXXX XXXX XXXX XXXX ) and also disputed the XX/XX/XXXX Equifax. I disclosed to Equifax violations of the Fair Credit Report Act. Equifax is supposed to ensure the MAXIMUM POSSIBLE ACCURACY. These accounts violate the following laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). 

In addition, according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Equifax has violated the following accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

DATES ASSOCIATED WITH INACCURACIES ; XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; EXPLANATION OF INADEQUACIES BEING DISPUTED ; THESE ITEMS ARE INNACURATE BECAUSE THE XXXX XXXX PROVIDED PROTECTION TO THE CONSUMER THAT WAS EFFECTED BY COVID XXXX DURING THE PANDEMIC. ALL OF THESE NEGATIVE ITEMS FEW ARE ACTUALLY MINE MOST I HAVE NO KNOWLEDGE OF BUT ALL OCCURED DURING THE TIME THAT I THE CONSUMER WAS PROTECTED UNDER THE CARE ACT DURING COVID 19 PLEASE REMOVE THE FOLLOWING INACCURACIES FROM MY CREDIT REPORT IMEDIATELY! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS WELL AS THE COUNTLESS NUMBER OF HARD INQUIRIES ADDED TO MY REPORT DURING THE SAME TIME PERIOD!
Consumer complaint received 2023-01-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX I am responding to your notice that you placed in my consumer report under collections about a debt you are trying to collect. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

Provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was trans-ferred. When you identify the original creditor, please provide any other name by which I might know them. In addition, tell me when the did you obtained the debt. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.