davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NC)

Due to the pandemic, I struggled to make my mortgage payments on time. With strained finances, a forbearance was offered. 

While in forbearance, I completed the modification application, submitting supplemental information as requested. After a couple of months, Fay Servicing proposed a trial period starting in XX/XX/XXXX. 
Although it was a struggle, I made the 3 ( three ) trial payments and continue to make payments. However, monthly mortgage statements are off. For example, the XX/XX/XXXX statement is showing XX/XX/XXXX was not being made. 

Likewise, Fay Servicing increased the interest rate from 4.8 % to 6. % which is a substantial increase. Instead of paying {$2700.00} per month. I am currently making a {$3000.00} payment per month. The overall balance is {$45000.00} more than it should be. The balloon payment amount is {$180000.00} which puts me upside down in this home. 
I am requesting an independent audit of my loan modification account. I do not understand the increase in interest rate when I was struggling to stay in my home. Below are the additional concerns : Ensuring that the principal balance is accurate after a deferral plan becomes effective ; Providing accurate information about loan status and relief options during forbearance ; Not imposing an inspection fee, late payment fee, or modification fee during a CARES Act forbearance period ; and Not accurately applying the post-forbearance payments, including after a servicing transfer.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I do not believe that an investigation was done because there are still unauthorized inquiries on my report. I have already filed a report and sent letters to the credit bureaus XXXX months ago explaining that the inquiries being reported are not correct. I will attach the letter with this complaint. The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove the following from my Experian report immediately : 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 ATTN - XXXX IS A DUPLICATION WITHIN THE TIME FRAME THAT ONLY 1 INQUIRY SHOULD SHOW UP. ITS AN ACTIVE ACCOUNT BUT ONLY 1 ACCOUNT 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
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (KY)

On XX/XX/year> I was called at my place of work by someone claiming to be a government officer. The person stated that a coworker had been doing fraud by selling cellphones and such. They instructed me to take all paper money from the register and safe and complete an audit. I was told to load the money onto my personal card so that it can be tracked and then purchase gift cards so that the money is tracked after it left my account. A total of {$1900.00} was loaded onto the gift cards and I was instructed to give the officer the card numbers. I filed a police report the same day with the XXXX XXXX XXXX  and I also have a case number from another case that involved the same unknown individual. I've been battling the fraud department for US Bank ever since. They claim that I am benefiting from the transactions when I have evidence that I don't have the money at all or had it to begin with. I've been on multiple phone calls were I was either disconnected without reason or transferred to XXXX different people each time. They have not provided any evidence showing that I have the money or that I am benefiting from it.
Consumer complaint received 2022-11-30
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. (GA)

In an attempt to pay a {$2500.00} vendor invoice received via XXXX, upon checkout I was solicited by XXXX to utilize the XXXX option for the billed amount. 

Upon applying for the solicited proposition, I received a notification that additional information was required. 

Upon calling XXXX, I was notified by their representative that the amount requested was not within range of the allowable limits within the program and that the cap was {$1500.00} I was more than welcome adjust my amount requested down to the allowable limits of {$1500.00} XXXX explained the problem in this was that I'm very credit conscience and the negative impact I'm facing is a new a inquiry for each of the three credit bureaus, lowering my credit score as a result of the solicitation for an amount under their program that I was never eligible for. 

My request was that the hard inquiries be removed as I was solicited under a false/unclear pretense of " bait and switch. '' The response received was along the lines of ( paraphrasing ) " You'll know better next time; you should have read the fine print before applying '' " Caveat emptor - or " buyer 's beware '' in a sense. 

I explained there should be such a necessity when your company solicited me directly for the amount that was clearly disclosed on the invoice for an amount that you knew exceeding the guidelines of the program. 

After a few rounds of attempts to convince me to apply for the available {$1500.00} to which I vehemently denied as I had other payment options, I requested to speak to a manager. 

The manager XXXX would not address the reason I was solicited in the first place and backed up the position that the hard inquiries could not and would not be removed and after a long pause, he just hung up.
Consumer complaint received 2021-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA (IN)

I received a call from a company called Federal Student Debt Relief phone # XXXX, claiming to be with Fed Loan Servicing. They said I qualify for 70-80 % of my debt to be relieved. I asked what information they had about me, and his reply was everything from when you applied for the loan. I then asked what all that was. He gave me my maiden name, birthday, email, and current address, didnt say whether or not he had my SSN or IEN. He also asked about my school status and I replied with, if youre with Fed Loan Servicing you would know the status of my education. I really think this is a scammer, and am worried this company may have more of my information than they let on.
Consumer complaint received 2022-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am a victim of identity theft. I had not checked my credit report in years ; however, I obtained a copy of my credit report and found several accounts that had been opened in my name without my knowledge, authorization, or approval. I started disputing all the negative accounts on my credit report with XXXX, XXXX, and XXXX. Every negative account on all three of my credit reports has been removed with the exception of Portfolio Recovery Associates , LLC, which is still on my credit report. On XX/XX/2024 I sent a certified letter asking for validation and they sent me a billing statement saying " because of the age of your debt we will not sue you for it. If you do not pay this debt, Portfolio Recovery Associates , LLC may continue to report it to the credit reporting agencies as unpaid for as long as the law permits this reporting. '' Portfolio Recovery Associates , LLC has willfully violated several FDCRA laws. Some of those laws include : 15 USC 1692b ( 2 ), 15 USC 1692c, 15 USC 1692g ( a ), 15 USC 1692 ( d ) ( 2 ), 15 USC 1692 ( b ) ( 5 ) 15 USC 1692s-2 and 15 USC 1692b .
Consumer complaint received 2017-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (AR)

I paid my XXXX bill through XX/XX/XXXX and had my service disconnected. XXXX wanted {$200.00} more so they charged my credit card {$200.00} without my knowledge or consent. I have disputed the charge. XXXX XXXX returned the {$200.00} to me. I have attached a document to prove this. I believe this is a case of age discrimination. I am XXXX years old. 
They charged a card that I rarely use, which I think, was an attempt to hide the theft. Since my service was disconnected on XX/XX/XXXX, what is this bill for? I am sending proof that I have not missed any XXXX payments to XX/XX/XXXX. All XXXX bills are paid one month in advance.The last bill I paid was XX/XX/XXXX. This bill was for XXXX. I have proof the {$63.00} charge is for XX/XX/XXXX. I am also sending proof that a XXXX statement states I do n't owe the bill. They must have decided to charge me the {$63.00} after they failed to steal the {$200.00} dollars. On one statement it shows all equipment was returned yet XXXX still decided to charge me {$200.00} plus {$61.00} the total {$260.00}. The physical address on all XXXX statements is not XXXX XXXX XXXX XXXX, Arkansas XXXX. I have moved in the last month. XXXX has turned this over to Receivables Performance Management XXXX XXXX XXXX XXXX XXXX, WA XXXX for collection. The XXXX statements prove I do n't owe the bill. I will upload all statements. Both XXXX and Receivables Performance Management have harassed me constantly. Receivables Performance Management did so without checking to see if I owed the bill. 


XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX XXXX XXXX
Consumer complaint received 2022-01-17
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX I received my first and only letter from XXXX XXXX XXXX stating that my payment was past due. I was baffled because my payment was set to auto debit for the past XXXX payments. When I went into the bank and after extensive research they concluded that in XXXX of XXXX I had set up my auto debit for {$200.00} instead of the correct amount of {$200.00}. I stated that I was unaware as that was the amount that the system stated was due. They stated that I had made XXXX prior payments in the amount of {$210.00} so the system credited XXXX twice and it made the following payment show XXXX less. I had always understood that an installment loan would always show the appropriate amount due so when I set up the auto debit it only showed {$200.00} due. This continued for XXXX payments before I received a letter. I went in to the bank right away but they did not know how to credit it to my account and stated that they would have someone reach out to me. No late payments had yet been reported. I had thousands of dollars in my accounts and could have made the payoff in full. This could have been resolved then and there but they didn't know how. In XXXX they reported XXXX late payments and I paid the account in full. They did not act in good faith and never gave me the opportunity to correct this as they didn't know how. They took XXXX payments and never contacted me to tell me I was XXXX short at any point. I you look at the Delinquent Notice it shows {$6.00} late yet they could not take the payment. It clearly show on my account statement XXXX that they waived on the day I came in ( XXXX ) but did not show any other late payment. If I was XXXX short for XXXX payments then I should have been past due in the amount of {$28.00} and yet this does not reflect on the account summary. I worked in good faith and monitor my credit daily. I do not know who to turn to. I have paid off all accounts with XXXX XXXX ( Auto Loan, Credit Card and Equity Line of Credit ). I always had the capacity to pay but their inability to provide me with accurate detail as to what I owed led to a further delay and this did not have to happen. Please help as I feel that they had the due diligence of providing me with the ability to bring my account current before they reported it. You can see I went in on XXXX but they could not help me.
Consumer complaint received 2021-09-24
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: WELLS FARGO & COMPANY (CA)

I am a XXXX year old woman and I was the victim of a on line scam on XX/XX/2021. I thought I was dealing with the XXXX XXXX. I was told that I had a refund for {$340.00} dollars for service I had not used. The person I was talking with ask for my bank account number to credit my account with the over charge. I stupidly gave them my account number. I was told that I had not put in the right amount and I had been credited with {$3000.00} dollars to much. I was told that that they could not remove the {$3000.00} from my account and that I needed to get {$3000.00} dollars in gift cards. I went to Wells Fargo Bank in XXXX, CA I thought I was just putting a {$3000.00} charge on my Wells Fargo account and I was not asking for a " pay day '' advance. When I realized what had happened, I telephoned the Wells Fargo Bank in XXXX, CA. I was told by the Wells Fargo there was nothing there was nothing they could do to remove the {$3000.00} from my credit card. I went home and called the customer service number, was told that Wells Fargo could not do anything.
Consumer complaint received 2019-11-13
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. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Consumer complaint received 2021-09-24
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. (UT)

XXXX has received an official identity theft affidavit and I am uploading this as well for Trans Union to block XXXX XXXX illegal debt record on my credit consumer profiles. They are all breaking the law under section 605 B. Additionally I have given General Revenue the police report numbers from the XXXX XXXX XXXX police department report-XXXX, report-XXXX, report-XXXX, report-XXXX. Which they have failed to retrieve under section FCRA 623 they are duly responsible to do a 100 % complete and accurate investigation which they failed to do. If I dont send the police reports doesnt give XXXX XXXX the legal right to report to a consumer reporting agencies anyways and then state it is verified and accurate which is false and a crime. The REAL FCRA LAW STATES : They have the sole grave responsibility to retrieve all documentation which is the XXXX XXXX police department reports in regards to the identity theft and fraud and do a thorough investigation with 100 % completeness and accuracy. This is the real law! I will win easily in third district court once litigation proceeds and a judge sees all this documentation. XXXX has reviewed and received this current FTC identity theft report there response is attached. Which is valid and active. Additionally Detective XXXX XXXX from the XXXX XXXX police department instructed me to file with the FTC for all identity theft related reports back in XXXX for all identity theft and fraud that occurred. I am requesting the CFPB document this pattern of willful abuse by XXXX XXXX and XXXX for abusing the law and the misinterpreting the FAIR CREDIT REPORTING ACT.
Consumer complaint received 2023-10-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (MA)

Bought a laptop from XXXX XXXX for XXXX dollars and returned it. Cash App has not returned the funds, they suggested ask XXXX XXXX. I asked XXXX XXXX and the funds were returned immediately on Saturday. I shared this with cash app and heard nothing back for over a day and am still missing XXXX dollars.
Consumer complaint received 2022-01-18
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. (AZ)

I filed a XXXX XXXX bankruptcy on XXXX of XXXX that was completed shortly after but I have a creditor desert financial that has posted charge off and late payments on my Experian credit file from XXXX of XXXX all the way up to XXXX of XXXX it personally as well as a credit repair have tried to get this removed to no avail it is blatantly false information put on intentionally it was just recently put on when I hired a credit repair company I've attempted dispute and neither Experian or XXXX XXXX will remove the false information
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: DISCOVER BANK (VA)

After reviewing my consumer report I am concerned about some information that has been reported, I believe that my consumer rights have been violated according to 15 U.S.C 1602 ( g ) there is no valid proof on the evidence of indebtedness with this credit transaction. 

15 U.S.C 1602 ( k ) I was not provided an adequate notice that clearly showed I owed this debt, and because of this, I made an uninformed decision by a computerized agreement. 
15 U.S.C 1602 ( p ) unauthorized use because I did not benefit from this transaction. 
According to 15 U.S.C 1681s-2 ( a ) on ( XX/XX/XXXX ) this company then closed the account and furnished an account on my consumer report without my consent. 

15 U.S.C 6802 Gramm-Leach-Bliley : 15 U.S.C 6802 ( a ) ( a ) Notice : This company directly disclosed my personal information to multiple nonaffiliated third parties, and did not provide me with a notice that complies with section 6803 of this title. This company did not have my verbal consent to use and share my information with other nonaffiliated institutions, which by law is a violation of identity theft. 
15 U.S.C 6802 ( d ) This company disclosed five late payments to nonaffiliated third parties which still reflects on my consumer reports. 
15 U.S.C 6802 ( b ) Opt-Out This company actively disclosed my nonpublic personal information to nonaffiliated third parties which such financial institutions did not clearly and conspicuously disclose this information to me, in writing or in electronic form under section 6804 of this title, that such information may be disclosed to such third party ; This company has never given me the opportunity, to initially disclose this information, and refuse that such information shall not be disclosed to such third party ; and that I am given an explanation of how the I can exercise the nondisclosure option. 
I have never received an opt-out explanation from this company for the duration of my extension of credit. ( XX/XX/XXXX ) - ( XX/XX/XXXX ) After this company closed my account on ( XX/XX/XXXX ) the company customer representative explained that I would have to reapply for my right to extend credit, I then applied for my right to extend credit and was denied 9 times over the course of the year XXXX - XXXX. Which makes this company liable to 15 USC 1681 ( a ) ( 2 ).
Consumer complaint received 2017-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MS)

I took out a mortgage loan with XXXX XXXX XXXX  XX/XX/XXXX, first payment due XX/XX/XXXX. The loan was {$98000.00} financed, principal {$100000.00}. when I asked for a pay off XX/XX/XXXX, it was {$80000.00} plus Deferred Balance {$29000.00}, which bring the pay off to {$100000.00}, this is more then the original loan in XX/XX/XXXX. I question XXXX about the Deferred Balance, I was told it was all the late payment and interest payment. This was never explain to me during the duration of the loan. I am on a fix income, I am trying to get this loan so I can pay it off within the next ten years. The interest rate is 11.351 %.
Consumer complaint received 2021-09-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mullooly Jeffrey Rooney & Flynn (NY)

I was never properly served and only learned of a legal complaint after being contacted by soliciting mail. 
I immediately contacted XXXX ( see the letter attached ). XXXX did not answer me as well and did not confirm whether they have hired this company as an Attorney. 
Then I filed a complaint against XXXX, submitting the same letter. 
Their answer is also attached. 
So XXXX is basically confirmed the alleged debt was sold to this company, and they have nothing to do with it. 
This company illegally filed a LawSuui against me on behalf of XXXX, without their knowledge of it, have never served me properly.. 
XXXX has never provided me with information about how much this debt was sold for, and whether their bill of sale was or was not, allows collectors to bring the law suit against me.

As per XXXX, collectors have had the file about alleged debt since XX/XX/2021, but I have never received any letters from them, as it requires by FDCPA.