davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
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: Experian Information Solutions Inc. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act the following accounts have violated my rights : XXXX account # XXXX. 
XXXX account # XXXX XXXX  account # XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX  account # XXXX XXXX account # XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX  account # XXXX 15 U.S.C 1981 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 an account without my written instructions.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I recently received a copy of my ( Experian, XXXX or XXXX ) consumer report, and I noticed that it is reporting my experience with these companies. 

The line of credit reported with these companies is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

FIRST XXXX XXXX acct # XXXX FST PREMIER acct # XXXX XXXX OF XXXX acct # XXXX FNCC acct # XXXX TXXXX acct # XXXX XXXX acct # XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX Your company is in clear violation of the law. 15 U.S. Code 1681 ( A ) ( I ) XXXX-Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s-XXXX of this title, any ( I ) a report containing information solely as to transactions or experiences between the consumer and the person making the report! 

THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( Put the creditor Name here ) making the report is XXXX INCLUDED on my Consumer report! 

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) put creditor name here ) that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

YOU HAVE VIOLATED THE FCRA 15USC 1681A 2Ai by reporting the transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 

You have XXXX calendar days to update my utilization to 5 % or below and delete all Utilization from the below account. 
( List accounts with high utilization here ) Failure to respond satisfactorily with deletion of the above Utilization will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for XXXX. Defamation of Character XXXX. Negligent Non-Compliance XXXX. Civil Liability XXXX. XXXX XXXX XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance- 616. Civil Liability for willful noncompliance [ 15 U.S.C 1681n ]
Consumer complaint received 2018-08-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MS)

In XX/XX/XXXX through XX/XX/XXXX, I was contacted my Navient student loans demanding that I pay $ 500- {$600.00} a month student loans. I explained to them that Im pursuing more advanced edication. In addition, I do not have $ 500- {$600.00} to pay on student loans a month. I asked if there were other options for paying at a lower the monthly rate, but I was told no. I asked about consolidation and was told they didnt service that type of service. I told them I couldnt pay that amount, but I would try to pay something. I was told to pay the monthly amount or no other payments would be accepted and that this would go on my credit report. I was upset and still am to this day.
Consumer complaint received 2022-12-03
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent itemsin my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report XXXXXXXX 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 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 XXXXXX/XX/XXXX.
Consumer complaint received 2018-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NV)

On XX/XX/2018, we received an escrow disbursement check for {$8.00} from Ocwen Loan Servicing. Now ; on XX/XX/2018, we refinanced our home with XXXX XXXX XXXX XXXX. In XX/XX/2018, XXXX XXXX XXXX XXXX paid off this mortgage loan. NOW : it's been three months so why didn't Ocwen send us the full escrow reimbursement amount when Ocwen sent us the previous reimbursement check on or around XX/XX/2018 for {$330.00}? It appears that an employee of Ocwen Loan Servicing charged us for satisfaction fees when we were NOT suppose to be charged! So, why did Ocwen charged us these fees? Does federal or state laws allow mortgage servicing companies to charge satisfaction fees?
Consumer complaint received 2019-10-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WI)

My Deed was transferred XX/XX/XXXX to Ocwen with no Escrow. In XX/XX/XXXX when my Property taxes come out Ocwen when and paid them. I never signed any kind of papers for them to do this. I have never had a home loan with and escrow account for the 35 years in have been in this home. And never missed a payment. My house payment triples by them doing this. It went from XXXX to XXXX. I kept paying my regular payment for 4 months and it was getting me no where. I stopped paying them. They refuse to do a loan modification. Sent papers they ask for and they would tell you they never received them. I has been a night mare since. They now want to foreclose on me for the 3rd time. I need this stopped. I has been a 4 year battle from XXXX. In beginning of XXXX my loan was transferred to PHH nothing changed. They are very good about taking your money and holding it. Than charge late fees. They add fees for sitting in front of your house to take pictures on a monthly bases. These people can not be trusted they just want your house. They will not do any loan modifications. Account # XXXX
Consumer complaint received 2022-02-22
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: Experian Information Solutions Inc. (IL)

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

XXXX. 15 USC 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 FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXXXXXX Account Number : XXXX REMOVE LATE PAYMENTS, UPDATE TO PAID ON TIME
Consumer complaint received 2018-08-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MA)

On XX/XX/2018 a person using my name opened six accounts at WELLS FARGO BANK Numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Each have a deposit of {$1.00}. They claim to have called me. I have no records of any call. WELLS FARGO refused to give me the telephone number they call ( and that they have on record ). Neither of my two phones I read to them matched the phone they claim to have used to call me and they refused to give me the number called. 
On XX/XX/2018 a received a check from WELLS FARGO in the amount of {$1.00} for each account ( total {$6.00} ) indicating that the accounts were cancelled. 
In the telephone conversation on XX/XX/2018, WELLS FARGO BANK informed me that the accounts where indeed cancelled on their initiative. After my complaint of they accepting to open such unusual and perhaps fraudulent accounts they promise to investigate. Case Number : Wells Fargo # XXXX. 
The documents opening the accounts had my correct name and SSN but a incorrect Drivers License number. 
It seems that my identity was compromised and that WELLS FARGO colluded with the person to open the account to make it appear that 6 new accounts have been opened. 
WELLS FARGO accepted opening the accounts by a telephone call on XX/XX/2018 by someone impersonating me without proper checking of identity.
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (NY)

Key Bank National Association USA. Claims that you can opt out of overdraft protection from the checking account they offer. Here is the problem. If it is an under key bank terms an " authorized payment '' it will still allow your account to be overdrawn. and you will still be charged an erroneous {$38.00} overdraft fee which was {$33.00} i guess that must be adjusted for inflation. You can not offer or claim to offer a service of rejecting overdraft and still allow " some '' transactions to pass through and then charge the unwitting consumer. this is the closest thing to smoke and mirrors financial fraud i have ever witnessed.
Consumer complaint received 2018-08-17
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. (NV)

Discovery, New information. 
I recently disputed a chapter XXXX bk from XXXX, Al.2015 as fraud. Because I was advised by the courts this was not going to report yo my 3 credit bureaus. The bankruptcy courts has advised me they did not report and to reach out to Experian and XXXX XXXX to resolve. 

Enclosed you will find information from US Bankruptcy Court Northen District of  Alabama. 
1. Inaccuracies Documentation shows Attorney XXXX XXXX XXXX filed incorrect paperwork to the courts. It was not received in 14 days .The judge dismissed my case. See attached. 
2 .Order of dismissal Judge dismissed the case hearing will not be heard. And all my attorney fees were reimbursed. Please read attached.

3. Due to inaccuracies Judge dismissed the case.

4. Yes, XXXX XXXX verified that a bankruptcy was filed with my ss # and name. But do to a Notice of Deficient filing or Incorrect Event. Case was dismissed and automobile was surrender to US Automotive.
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MI)

The COMENITY BANK/EXPRES account with the account number XXXX and XXXX was marked as Charge-off with an identified balance of {$19000.00}. However, a charge-off account should have a {$0.00} balance so, my question is why does this account have a specific amount? Moreover, another error is found in the account 's " Date of Last Activity ''.
Consumer complaint received 2021-03-10
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. (MS)

On XX/XX/2021 I mailed a letter about inaccurate, misleading, and unauthorize things on my credit report. It has been over 60 days since I sent this letter without receiving any response,. I feel like they are neglecting and ignoring my disputes. According to Section 611 ( a ) any failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, given that it has been over 60 days, these items should be deleted immediately! If these accounts are not deleted immediately, I will file for litigation due to the overwhelming stress this has created in my life. Also, my information was also breach during the equifax data breach and may have gotten into the wrong person hands.
Consumer complaint received 2018-08-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (VA)

As stated in my previous complaints about FAY SERVICING, we have had a nightmare loan modification process with them. Please reference CFPB claim number XXXX for the backstory. 

When we did finally receive a loan modification from Fay, we were informed that the modification would be final after completion of the initial trial period, and after that we would received the documents. XXXX XXXX explained the terms to us, but nothing was emailed, they refuse to put anything in writing, and will only explain things over the phone. When we received the documents, we did sign them, making the unfortunate assumption that they contained the same information that was explained on the phone. It does, but buried in the document is also a balloon payment which will be due when the loan is to be paid off. I do not see how this can be legal! They agreed to assist a struggling borrower, to reduce the interest rate, and now are demanding a balloon of over 400k, at the end of a 30 year term, when the house ( original loan amount XXXX ) should be paid off at that point. This is extremely unethical. 

I've attached copies of the documents we received ( the first document that details the terms was never sent to us, I had to request it from my account manger and have only seen it in XX/XX/XXXX ) documents are encrypted, password is XXXX.
Consumer complaint received 2021-06-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

XX/XX/2020 XXXX pesos Permanent Limited Account XXXX close my account even though I sent my id my address my bank statement but they already close my account eventhough I have my funds in there I already submitted all the focuments needed but they permanent limited my account and they keep my money for 180 days but the 180 days time frame have been fone up until now they keep my monwy they did not sent the email stating that I can withdraw my money. They still have the money.
Consumer complaint received 2022-02-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (MI)

On XX/XX/XXXX, I received the following correspondence from Citi Bank by email : Hi, XXXX. We periodically review customer accounts and assess account activity. Based on a recent review of your XXXX XXXX  account, we found that you have violated the terms of your account per the client manual. As a result, your XXXX XXXX  account and any other Citi accounts you have will be closed within 60 days of the date of this communication. All of your accounts are now restricted from receiving deposits or credits, effective immediately. After receiving this and not being allowed access to my credit or checking accounts online and all my cards were restricted. I contacted Citibank on XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX regarding my funds in my checking account and I was told I would receive my funds in the mail within 30 days ; however, it has been more than 30 days as of XX/XX/XXXX and I still do not have my funds. These funds including money from my employer as well as other funds I personally deposited via my other bank account. I am unaware as to why my account was flagged for closure. This is a travesty and has caused me to become behind in my monthly bills. Please help me get my paycheck and funds back from Citi Bank. If I owe them I will include them in my current consolations with XXXX Bank. On XX/XX/XXXX XXXX payroll deposits were deposited into the checking account ending XXXX {$1000.00} was deposited and that same day {$1500.00} was deposited into that same account. I have included a copy of both paychecks and my original direct deposit form showing this... Prior to that on XX/XX/XXXX I deposit {$500.00} from my business XXXX ( XXXX XXXX XXXX account number XXXX account deposited those funds into my Citibank as well. I have included a copy of my XXXX XXXX business account bank statement. These are my last deposits before and after I was told my accounts were closed and would receive my funds within 30 days. The representative I have been speaking with at Citi Bank is XXXX in their call center. She refused to give me a supervisor and/or a address, telephone number or anything to file complaints or inquiry about getting my funds back sooner. I made several transactions with my Citibank account including paying bills and transferring money to my business account. I have been denied access to all my Citi Bank financial statement information including my bank statements of which I need to use for income tax and other related business transactions. As of XX/XX/XXXX I have not received my funds back from CitiBank and the company has not contacted me back nor returned any calls or offered any additional information. It has been well pasted 60 days which they stated is when I would received my funds returned to me.
Consumer complaint received 2022-02-03
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Global Lending Services LLC (MI)

The company breach our contract and did not oversee or maintain proper documents of insurance in XXXX months failing there legal responsibilities, and obligations as the lien holder. Making false complaints with the credit beau company. 

Breach of contract on the lien holder so the title holder will and shall be free of any future payments, future obligations, or collections and shall be removed from the title holder credit report as the contract is not enforceable by the lien holder. 

Global Lending Service has taking upon themselves to make quick decision in there favor breaching the contract between the lien holder against the title holder obligations of any future responsibilities of payments, the contract is null at this time. No financial responsibilities are to be removed.
Consumer complaint received 2022-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA (PA)

I recently got a copy of my consumer report and I see Fed Loan Servicing is furnishing reports in regards to an alleged obligation. I also have letters in the mail I received sometime ago in regards to this same alleged obligation. I am sending a notice delivered in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, noting that Fed Loan Servicing claim is contested and validation is required.
Consumer complaint received 2018-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX Re : Social Security Number XXXX To Whom It May Concern : I have recently been informed that there is a Bankruptcy Chapter XXXX in the file Experian maintains under my Social Security Number. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove it from the consumers file. 

The United States Bankruptcy courts DOES NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. 

However, credit bureaus actively search public records for any judgments and tax liens through third party research. 

A Bankruptcy is public information, Again, the U.S. Bankruptcy Court DOES NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on Bankruptcys through third-party research. 

Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 

Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your Agency. I will be seeking {$5000.00} in damages for, but not limited to : 1. Defamation 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in court venue local to me in order to formally defend yourself. 

My contact information is below : XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX NC XXXX XXXX