davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (GA)

To Whom it may concern, I, XXXX XXXX, have been going through this lost mitigation process for about 3 years now. Unfortunately and unexpectedly I lost my employment in XX/XX/XXXX. I  contacted Freedom Mortgage immediately and started the process of a loss mitigation. It is now XX/XX/XXXX and I am still going around in the same circle with Freedom Mortgage. I have been sending documents every time they requested it. I finally got a non profit involved in XX/XX/XXXX with XXXX and even with XXXX no one can get Freedom Mortgage to do what they say they are going to do. They give us point of contact which I cant nor XXXX can get in contact with. In one letter its everything is good and in the next letter its your denied because of a form. The same form which is the XXXX Freedom Mortgage will say you have this amount of time to turn these documents in that your missing. I will email and XXXX will email but they still say the documents are missing. I am trying to get help in saving my home. I have been told and I feel Freedom Mortgage is violated this law and that law but XXXX or anybody can't do anything Freedom Mortgage. Because it is public record our home is coming up for foreclosure I get a lot of advertisement letters and calls from people even Freedom Mortgage has called as one of these advertisements saying they help when I say I am currently in the process with you guys in a loss mitigation they say oh well thank you for your time and good luck with that. I have put in a new application with Freedom Mortgage with tryin to use my VA and of course was denied. I don't know what or can help me to get Freedom to stop this. I am starting to feel like they are above the laws.I have in the past used certified mailed, faxes, and lastly emails. And the company still says that they didn't receive the information requested. I have been sending the same thing over and over for the past 3 years. Thank you in advance for your help in this pressing matter.
Consumer complaint received 2024-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CO)

MOHELA is charging 0.25 % higher interest than they should be. They also messed up my minimum payments, so now it says I am delinquent even though I have made every payment on time. They have not sent me any monthly billing statements. They will not investigate the problem. They recently raised my payments without cause. Payments were not set to go up until 2025. They are not applying the minimum payment or additional payment amount to outstanding interest, but instead are letting the interest accumulate.
Consumer complaint received 2021-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: OPORTUN FINANCIAL CORPORATION (WA)

Hello, Back in XXXX, I lost my oportun credit card and multiple unauthorized charges were made on it. Oportun contacted me via email and Text to confirm if I was authorizing the unusual transactions and I responded that I was not authorizing those charges and reported my card missing not in my possession. Oportun informed me that although certain transactions were blocked, unfortunately multiple unauthorized charges went through which we filed a dispute on. I have been waiting to receive my replacement card in the mail for over a month and was informed by oportun that once I receive the card and activate it, those fraudulent charges posted on my account would be removed. That was not the case because after activating the current card ending in XXXX, the charges were still reflected on my account. I have tried to reach the agent XXXX from the investigation department that sent me a letter with her phone number who is in charge of handling this dispute over ten times and left her multiple voicemails in the month of XXXX but I have not received any response. After comparing about XXXX unresponsiveness, another agent was assigned to the claim beginning of XXXX but that agent has not yet contacted me as of today XX/XX/2021. I just called Oportun to inquire what the status is and was informed there has been no updates and supervisors were not available to speak to me. 

The current balance reflected on my account are all from those fraudulent charges and the due date has passed which accumulated late fees and interest. I have received multiple emails from Oportun reminding me that Im late on the payment which I am not liable for to begin with. I want these fraudulent charges & fees removed from my account immediately. This has been a very frustrating and really inconvenient process. Oportun decided to increase my credit limit in XXXX but has still not resolved this issue from XXXX which doesnt make sense at all.
Consumer complaint received 2018-11-24
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: EQUIFAX, INC. (FL)

Hard inquiry on my report from Ally financial due to the misuse and abuse of credit information by XXXX XXXX XXXX XXXX. Have attempted since XX/XX/2018 to resolve issue with both parties to no success. XXXX XXXX will no longer answer or return my calls. I have filed two complaints with FL Consumer services department with no resolve. Merchant continues to fail to correct error.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing CFPB complaint because the bureaus have not properly provided a reasonable response when I sent them a dispute via certified mail the DISPUTED ACCOUNT CHILD SUPPORT XXXX {$18000.00} Account XXXX Closed. I have asked them to validation, is account in collection, is it late or is it open or closed. Based on all the reports the account is not late and is closed. Why are they reporting otherwise. Additionally, my child is an adult and I am still helping him out. Please provide what right they have to collect under the fair credit and billing act? 

3 facts ( Transunion and XXXX report show different account name and balance ; XXXX report show different account name, balance and closed ). XXXX, Transunion and XXXX have violated my right under the FCR, FTC and Fair credit and billing act by inaccurate reporting on my XXXX and XXXX credit report. XXXX has a different account number and different account balance as shown here ( DISPUTED ACCOUNT CHILD SUPPORT XXXX {$18000.00} Account XXXX Closed ) while XXXX reported something totally different as show here ( CHILD SUPPORT Account Number XXXX XXXX Reported Balance {$18000.00} ). For your reference this case has been closed so why is it still on my credit report. Because of this inaccurate reporting you have hampered my financial future in obtaining financial readiness. Please delete this immediately. ) As a father, I take this seriously. My child is XXXX yrs of age and I am still paying {$200.00} per month to help my children. By law I know all information on the credit report must be 100 % accurate, with no errors and must be verifiable. I know these information are not correct. Please delete this immediately. I am currently working with CFPB to request their assistance in this matter. I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. I have requested the XXXX and XXXX to correct their mistake. I have attached XXXX and XXXX reports to show the discrepancies.
Consumer complaint received 2024-05-23
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: LEXISNEXIS (MI)

LexisNexis continues to report an alleged bankruptcy that they claim they verified. I contacted the bankruptcy court and they did not verify this information and pacer release information about thousands of consumers but there is no way to verify it is actually mine because it is a violation of law to release social security numbers are any other identifying information. LexisNexis has 14 days from the date of this dispute to remove the bankruptcy or take this as legal notice you will be sued. I never signed up for your service nor gave permission for you to collect data to release about me. If you do not understand this complaint I urge you to seek legal counsel.
Consumer complaint received 2018-07-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (IL)

Hello, On the XXXX of XXXX, a default Judgement was filed against me at a courthouse in XXXX, IL. First, I've had no prior communication with this company and did not know who they were until I received two letters in the mail. 2. I went to the courthouse to find out what the matter was about and they told me that I was sued for a debt. 3. This debt has been discharged by the company. 4. They lied on the court documents pertaining to " service. '' They said that they did a substitute service where they gave the documents to my mother who told the " server '' that she would give me the documents when I get home from work. That is a lie. My mother has been XXXX for nearly 10 years now and I do not work because I've had XXXX and can not work. This debt does not show on my credit report and I was told by two agents who told me that I had a XXXX  balance. 

Another concern that I have is that Midland XXXX XXXX has been sued by several states because of their behavior ( s ). There are thousands of complaints against them online and yet, they remain in business. They shouldn't be allowed to break the law to take advantage of people.
Consumer complaint received 2023-07-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CO)

I was charged fees that are unexplained on my account. All it says is " Uncollected fees '' for {$2300.00} I have absolutely no explanation of these fees and the representative from the company could not explain them, just said they were owed.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX
Consumer complaint received 2024-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (CA)

I have an earlier CFPB dispute with Venmo/PayPal that was the subject of complaint number XXXX I thought it was resolved when Venmo stated in writing that while they would not cancel the " debt '' ( I do not agree that it is a debt, rather that they are trying to collect my money against another account ), they would cease trying to collect it.

They have not done this. I get weekly emails from PayPal/Venmo regarding the debt ( and probably phone calls but I blocked their number ). They have broken the resolution they agreed with the CFPB : to leave me alone.
Consumer complaint received 2018-11-24
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Onity Group Inc. (MD)

XXXX XXXX  obtained a judgment against me for a mortgage foreclosure despite many issues related to the mortgage servicing company. I have been attempting to contact XXXX XXXX  to determine the status of the debt but have had no luck reaching the right folks. 

The property address is : XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2018-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (MI)

I am always sent preapproved and preselected marketing information from Chase inviting me to apply for credit. When I respond to the solicitation, I always receive an unfavorable response with one excuse or another. I called the Chase Reconsideration Department on XX/XX/2018 at XXXX to discuss my application and the representative told me that people like me are a risk because I have opened too many credit cards in the past two years. I have explained to Chase that I am low risk as I am a current business banking customer and have an established credit profile with a credit score above 750. 

Chase is unscrupulous in their business dealings within the XXXX XXXX   community with a different set of standards on how to engage. Despite many years running a successful and profitable enterprise, Chase regularly discriminates against credit applicants such as me on the basis of race and color. The actions of Chase Bank are despicable but the reality of it is nothing is going to be done about it. Worse case scenario, Chase will admit no liability and pay a fine which is ultimately paid by the customer.
Consumer complaint received 2019-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I have repeatedly advised wellsfargo that they are escrowing for the wrong amount on my homeowners insurance. they are withholding for a {$2200.00} yearly premium and the actually amount which is attached is {$1300.00}. I would like a refund of the overage asap and for them to recalculate my monthly payment based on the correct escrow amount.
Consumer complaint received 2024-03-19
Product: Credit reporting 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. (MI)

Experian is continuing to report incorrect information on my consumer report. 

The inquiries listed below I did not authorize and they should not be listed on my consumer report. 

EXPERIAN XXXX XXXX  Date of requests ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account name XXXX XXXX Date of requests ) XX/XX/XXXX XX/XX/XXXX Account name XXXX Date of requests ) XX/XX/XXXX XX/XX/XXXX Account name EXPERIAN XXXX Date of request ( s ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account name Date of requests ) + Options XXXX  XXXX XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX Account name EXPERIAN Date of requests ) XX/XX/XXXX Account name XXXX XXXX XXXX XXXX XXXX  Date of requests ) XX/XX/XXXX Account name XXXX XXXX Date of requests ) XX/XX/XXXX Account name XXXX XXXX XXXX Date of requests ) XX/XX/XXXX Account name XXXX XXXX XXXX Date of requests ) XX/XX/XXXX These inquiries need to be immediately deleted.
Consumer complaint received 2018-11-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (WA)

The following company RPM, with provided address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Washington XXXX with listed phone number ( XXXX ) XXXX has lodged an adverse entry with multiple Credit Report Agencies in the month of XX/XX/2018 regarding disputed bill for {$300.00} by XXXX XXXX XXXX. Even though I have sent a registered letter to RPM during the 30 days of the original notification requesting a detailed statement with the charged expenses, RPM has submitted an adverse filing to all credit bureaus. RPM has  violated my rights by the adverse filing of unvalidated debt with the credit reporting agencies. I am providing all the supporting documents for review, including validation letter request and the registered email receipt, post office notification of delivery and original RPM letter.
Consumer complaint received 2020-01-29
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. (AR)

I received a call from a student loan company asking me about loans that I never had or applied for. Immediately, registered to XXXX to see my credit reports. I found other accounts that didn't belong to me. Here are the accounts that need to deleted from credit report : XXXX XXXX   XXXX {$5600.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX {$970.00} {$1100.00} {$2600.00} {$3500.00} {$3500.00} {$7000.00} {$5000.00} {$3400.00} {$3100.00} {$5500.00} {$660.00} XXXX XXXX XXXX XXXX XXXX {$160.00}
Consumer complaint received 2024-03-11
Product: Credit reporting 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. (MI)

TransUnion, XXXX, and XXXX continue to report inaccurate information on my consumer report. My name is XXXX XXXX XXXX there should be no other variations of my name delete them immediately this is causing me to be denied for credit which is a violation of my civil rights and could potentially cause me to sue. My address should only be XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX this is the only address authorized to receive any mailings and my only address I authorize anyone to use. Any other address are incorrect and not mine delete them immediately.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MI)

XXXX, Experian, and XXXX continue to report inaccurate information on my consumer report. My name is XXXX XXXX XXXX there should be no other variations of my name delete them immediately this is causing me to be denied for credit which is a violation of my civil rights and could potentially cause me to sue. My address should only be XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX this is the only address authorized to receive any mailings and my only address I authorize anyone to use. Any other address are incorrect and not mine delete them immediately.
Consumer complaint received 2021-12-06
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: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

I Recently looked at my credit report It has come to my attention that ( XXXX XXXX XXXX, and FAIR COLLECTIONS & OUT ) has acquired and shared my information to other companies without my written permission. According to 15 USC 1681b - Permissible purposes of consumer reports, any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. This is also a violation of 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers Right to Privacy.
Consumer complaint received 2018-04-12
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. (TN)

On XX/XX/XXXX I pulled my credit report for my self and my wife and noticed that incorrect information was being reported for the month of XX/XX/XXXX and no information was being reported for the month of XXXX. I faxed over a request to have this information investigated and was contacted by a Mr.Fisher in the customer care and recovery group. Who advised me that he would be handling the problem and had opened a ticket # XXXX. On XX/XX/XXXX I reached out to XXXX XXXX to get a status on the incorrect information being report on my report and my wife 's report. I also advised him that this inaccurate information being reported is impacting our family. I explained to him that I had pulled all three of our reports and the XXXX information was reporting incorrect and XXXX was reporting no information at all. I emailed him a copy of the report for him to pass on to the department that was conducting the investigation. On XX/XX/XXXX. I contacted my XXXX and spoke with him. I was advised that his team had finished the investigation and they had determined that they are reporting the correct information to all three reporting agency. I explained him that I was looking at my most current report live and the information had not changed. I asked what method was used to validate and verify the information with all three agency. I was advised that they did not contact the credit reporting or send a refresh/update they just used an internal process. They just looked at a screen internal and verified that I what they had in there system was correct. I asked to be speak with a supervisor and or manager and was told that it was not necessary. I was finally transferred to a XXXX XXXX XXXX in the customer care recovery group who told me that it's not XXXX XXXX 's responsibility to ensure accurete information is being reported to the credit report agency and that he was closing the ticket and did not care that I would filing a complaint with the CFPB and my local State Attorney Generals office. I asked to please speak with his direct manager to try and resolve this problem before I moved forward with my actions and I was told that he " did not care '' and " I am denying you from speaking to my direct report, I don't see the need '' I have customer since XXXX and I have never been spoken in such a unprofessional manner by these two individuals.