davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-05-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (KY)

These choices weren't really up my alley on what I'm seeking help or information for, I'm going to paste the email I sent to dept of education bowworers defense. I haven't got an answer or reply from them so I'm reaching out to multiple people to see what my options are. 
" I actually have 2 different reasons i could possibly get borrowers defense for, just need some insight and a point in the right direction. 

the school i was attending closed, the problem is that its past the 120 day mark. I was a straight A student ( still have all deans highest honors certificates ) for the almost 2 years there. It was going to take me longer than 2 because i worked full time and went to school part time. While enrolled in school i was going to become a first time father real soon. I explained to everyone of my teachers the situation ( working full time and a father ) and not only told but asked them about taking some time off school and coming back when i got situated. not only did i get the approval i would get check up phone calls and emails on how i was doing and coming back. I had every intention of finishing my degree especially knowing i didnt have much left at all, then i found out on XXXX that it closed for good. 
my federal loans are through navient ( lawsuit against how navient handled loans ) while i was off my loans got put into deferment, i don't know much on how they ended up in default and with navient, i wasn't aware of the massive interest deferment would build up, i didn't learn about this until i tried to purchase a home for my family. My credit score had got completely destroyed, after getting a hold of navient, having my taxes taken twice, i was able to get an income driven plan set up, took a lot of money and time to get them in good standings, they gave me 2 years worth of deferment not knowing the interest penalty i would end up with ( used some here and there during tough times before i just learned what they are accused of ). and with the little bit of money I make and supporting a family without my degree i accumulate way more interest than i can even afford as a payment, it just went up over {$1000.00} on my credit last week. ''
Consumer complaint received 2023-03-27
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. (GA)

In accordance with The Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX  # XXXX and XXXX 15 U.S.C 1681 SECTION 602 A. STATE I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A. SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORTS CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATESYTHE REPORT BY MORE THAN 7 YEARS 15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THE INFORMATION IS INACCURATE
Consumer complaint received 2019-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I have tried working with the credit reporting agency to correct my info, however they are not helpful at all-there shows to be a XXXX XXXX XXXX XXXX account that should be removed -this info is not correct in it reporting. XXXX  has already removed this account and equifax has not updated to be in the same accord. This info is effecting me is many ways then one.
Consumer complaint received 2021-07-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Finance of America Holdings LLC (CA)

Through our divorce filing an audit of our prior tax returns and personal files, it was discovered that there were several refinances and purchases to gain additional commission and compensation that affect our joint tax returns. These included refinances for his brother and other children. 
On XX/XX/2016, my husband and his loan officer were involved in mortgage fraud by closing a loan for his son that was intended to be an investment property and not owner occupied. There is documented proof that the purchase loan given to his son was intended to gain a lower interest rate by submitting the loan was owner occupied when in fact the family member never intended to live in the subject property and was living out of the country. There are documents which show the property was listed for rent on XXXX XXXX  List 30 days prior to closing the loan and tenants were moved in on the day of closing. I am bringing this to your attention in hopes a full investigation will be conducted with the FBI.
Consumer complaint received 2019-09-06
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: Experian Information Solutions Inc. (PA)

I have an inquiry on my credit file that I did NOT authorize. The inquiry is from XXXX/XXXX XXXX says its a mortgage company. I did not start mortgage shopping for my home until XX/XX/2019. This inquiry is listed XX/XX/2019. I also have a fraud alert on my file and some sort of contact should have been made to me for this inquiry. I DID NOT AUTHORIZE THIS INQUIRY AT ALL. I tried disputing the inquiry with Experian multiple times and they refuse to conduct the investigation against my rights. I did not give any employed by this company to many an inquiry and view my credit report. This is a violation of FCRA 1681b ( c ) and is a serious breach of my privacy rights! 

XXXX/XXXX XXXX XX/XX/2019
Consumer complaint received 2024-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (FL)

Newrez will not fix our loan in spite of contacting them directly, filing several complaints and jumping through a crazy amount of hoops. 

Previous complaints : XXXX XXXX XXXX Newrez continues sending us erratic, confusing letters regarding servicing our loan. Every year, we send them numerous copies of the same coverage that was approved with our loan application and every year, they force-place insurance. 

Summary of previous complaints : Newrez keeps force placing insurance in spite of us having sufficient coverage. We maintain coverage and pay our mortgage on time..even when it has been wrong. It is that simple. Our mortgage company is erroneously charging us more, and nothing is being done about it. 

What I need in a nutshell : 1. Calculate all the money that we were charged for force-place insurance back into our escrow account. 
2. Put our payment back to what it should be and always has been. 
3. Stop doing this to us. Fix our account. It is that simple. Fix our account and keep it fixed. 

In the past, I have included all the confusing letters. We even purchased an extra policy out of confusion. 

How it should go : 1. I send NewRez my updated policies every year. 
2. The insurance department reviews it for actual mistakes. 
3. I either get the mistake corrected, or my insurance is cleared until the next year 4. The appropriate payment is deducted from our account every month. 

What is actually happening : 1. I send my updated master policy every year. XXXX sends you my walls in coverage. 
2. NewRez starts inundating us with letters asking for changes to the policy. 
3. We go back to the company and ask for changes. Most of the time, the changes requested are not valid. 
a. Asking us to put XXXX instead of our actual unit number b. Asking for the mortgagee clause when it is already present c. Wind coverage d. One time, the insurance company made a mistake, and I immediately had it corrected. 
4. We call Newrez, and we are given different answers every time. 
a. It is just an automated letter ; you can disregard it b. You actually do have coverage. I'll have them remove the force place insurance 5. We get the letter showing that our payment is going up AGAIN 6. I contact Newrez, XXXX, CFB just trying to get someone to fix this for us.
Consumer complaint received 2019-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (FL)

Security Credit Service is reporting a collection account into my credit report that does not belong to me. I don't know what that company it is and I never got any credit with Security Credit Service or with the original creditor : XXXX ( per description in my credit report ). I already disputed this account and the company haven't provided any documentation to confirm this account belong to me. Also I already file a disputed on my credit report but haven't not received any response back and right now this is affecting me in my home purchase process that I'm going through at this time. I need this account that I never owned to be removed from my credit report because this is causing a financial hardship, I'm in the risk to loose my deposit that I put as a down for my home purchase because of this ineligible account. I feel this is an abusive practice and a clearly UDAPP violation.
Consumer complaint received 2019-09-06
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: Experian Information Solutions Inc. (TX)

I submitted a Second written request in writing to Experian, to have a copy of the original creditors documentation on file to verify that this information is mine and is correct in the results of the first investigation. and I have have not been provided any original documentation under Section 609 ( a  ) ( 1 ) ( A & Section 611 ( a ) ( 1 ) ( A ) by mail, I continue to receive emails the last email was on XX/XX/2019 from the Experian credit bureau that the account have been updated and verified.
Consumer complaint received 2022-07-27
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)

DisputeXX/XX/XXXXAgain I disputed this item XXXX XXXX XX/XX/XXXX said they reinvestigated and everything came back factual I submitted another dispute proving there was an accurate information sent a picture with my address I actually live at and I typed in my exact address XXXX XXXX XXXX then they said they would change it all they did was change one number and the address and it still shows up as XXXX XXXX XXXX XXXX Tennessee and they sent it back so now I'm disputing again which after the last time they've already made a violation against my rights for not doing the reinvestigation they said or they would have caught that my address was wrong then they said they would fix it and then put a different number so now I would like this removed no one has held them accountable for their violations I would also ask for their {$1000.00} fine as this has been holding me back from getting to my business that has been costing my family extra money and after months and months of trying to fix this I really hope someone can get this removed and protected the consumer rights like I was told was such a priority
Consumer complaint received 2019-01-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jim Bottin Enterprises, Inc (NJ)

I joined retro fitness around XX/XX/2017, and after a year I decided to cancel my membership due to health issues. 

I sent two certified letters to XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. On XX/XX/XXXX I sent the first letter requesting for my membership to be canceled. I sent a follow up letter in XXXX because I saw that my membership was still active. 

Each and everytime I called the branch I was told that my membership was no longer active. 

Now I have a collection account on my credit reports for {$150.00}
Consumer complaint received 2018-05-23
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. (PA)

To Whom It may Concern, I am writing this letter in regards to my XXXX   XXXX Account. 
The account that I had with XXXX has been paid in full and is not being reported on my credit report correctly. A letter was sent to me about my account and stating that the account was updated. As of today my information from the Credit Bureau have not been updated.
Consumer complaint received 2019-01-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (GA)

In XX/XX/XXXX I amassed an outstanding debt of {$3300.00} with my leasing company. It went to National Credit Systems , Inc. for collection. I was contacted via phone in XX/XX/XXXX. Payment arrangements were made and began in XX/XX/XXXX. No written documentation was received concerning verification of said plan at that time nor was any other confirmation sent ; however, payments did begin as scheduled. For some reason, the auto-payments stopped in XXXX and I did not notice until XXXX. At that immediate time, I called NCS to rectify the situation. I was told, after much verbal abuse, that I had been informed the payments would stop after 6 months and that any derogatory reports to credit agencies would not be removed. Keep in mind that NO written notification was sent NOR any voicemail left to continue or restart payments. At this time, in XX/XX/XXXX, I disputed this. Then, in XX/XX/XXXX, I requested a copy of the phone transcript which would prove either my stance or theirs ( NCS ). NCS refused. 

Those derogatory reports have negatively affected my life and I strongly believe if such reports are going to be made and defended, documented proof must be provided to the consumer, i.e. phone transcripts.
Consumer complaint received 2018-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pinnacle Credit Services, LLC (WV)

I have sent this company police reports, FTC affidavit, I have called them repeatedly and they never fix the problem. I have been talk to you rudely, I have been hung up on, I have been told it is never going to come off my credit report unless I pay. I've been called a liar. This company is ruining my credit and they need to remove what they have on my credit report because it is identity theft and I have proven it to them time and time again
Consumer complaint received 2018-11-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (GA)

On XX/XX/XXXX I was approved for the Income Base Repayment plan. Which I don't have to pay anything until The renewal which is next year, XX/XX/XXXX. I submit this paper work on XX/XX/XXXX, and was approved on XX/XX/XXXX but they still access a late for to me for XXXX. I shouldn't have a late fee because I submit my paper work before XX/XX/XXXX which would have been late at that time.
Consumer complaint received 2019-01-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Credit Central Holdings, LLC (SC)

The company name is Credit Central in XXXX, SC. They sent a live check which I did cash. I made payment arrangements. However, I did not supply my employment information because it was not requested. They called my job asking for me and when I asked them to not call me at work became rude. Calling my job could jeopardize my employment.
Consumer complaint received 2019-01-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

Ocwen is engaging in dual tracking and not in compliance with Loss Mitigation Procedures. Federal Law Restricts Dual Tracking I'm attaching Ocwen 's denial letter dated XX/XX/XXXX. I have appealed the denial within the required 30-day time frame. Therefore, I have not exhausted the appeal process. 

I also fully submitted documents again for mortgage assistance. Ocwen has not stopped the foreclosure sale scheduled for XX/XX/XXXX. 

The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of XXXX, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking. 

The servicer can't start the foreclosure process if a borrower submits a complete loss mitigation application and the application is pending. 

This means that if you submit all of the required paperwork, the foreclosure can't start until : the servicer informs you that you're not eligible for any loss mitigation option ( and any appeal you make has been exhausted ) you reject the workout option that the servicer offers to you, or you accept a workout but fail to comply with the terms of the deal ( like not making payments during a trial modification ).

12 C.F.R. 1024.41 governs a servicer 's response to a loss mitigation application. 12 C.F.R.1024.41 ( c ) ( 3 ) ( I ) ( D ) ( 2 ) provides that where a borrower makes application and a judicial foreclosure has already been commenced, " the servicer can not conduct a foreclosure sale before evaluating the borrower 's complete application. '' Further, 12 C.F.R.1024.41 ( g ) prohibits a servicer from either holding a foreclosure sale or moving for a sale if a borrower makes a loan mitigation application within certain time constraints.
Consumer complaint received 2018-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (TX)

I have been a regular payer of mortgage from mortgage inception to-date. However Seterus Inc ; are wrongfully flauting FCC rules and have wrongly reported over phone to credit monitoring bureaus saying that I am a defaulter.

I have provided proof of my payments, however XXXX  ( credit reporting agency ) says the lender is authorized to say verbally without providing any proof of default or delay about anyone 's payment history to spoil his/her credit.

I wrote many times to mortgage service provider - Seterus Inc ; to provide proof of default and/or delay in my payments. Every time Seterus Inc ; respond to my inquiry about proof of default and/or delay by providing their manipulated accounting records and not any documentary proof of my delay and/or default.
Consumer complaint received 2019-01-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc. (NJ)

I joined XXXX XXXX around XX/XX/2017, and after a year I decided to cancel my membership due to health issues. 

I sent two certified letters to XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. On XX/XX/XXXX I sent the first letter requesting for my membership to be canceled. I sent a follow up letter in XXXX because I saw that my membership was still active. 

Each and everytime I called the branch I was told that my membership was no longer active. 

Now I have a collection account on my credit reports for {$150.00}
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XX/XX/XXXX credit reporting shows account open. 
XX/XX/XXXX credit reporting shows account closed and states that a foreclosure action has begun, Which is incorrect, the foreclosure action what started XX/XX/XXXX. 
XX/XX/XXXX credit reporting states they count remains closed. 
XX/XX/XXXX credit reporting shows that the mortgage account had been removed from my credit report, even though the foreclosure action was still in litigation in court. 
I have requested from XXXX XXXX XXXX accounts relationship manager, XXXX XXXX, to investigate why the account was closed and removed from my credit report. At present a formal investigation has not begun and it XXXX XXXX insist that the account is still open and litigation remains in court.
Consumer complaint received 2018-11-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US) (TX)

Received letter from Allied International Credit Corp ( US ) claiming they were collecting debt on behalf of original creditor ( XXXX ) in the amount of {$28.00}. 

I've sent a copy of their letter to XXXX ... XXXX knows of no such debt that I owe them. 

I generally buy ( only ) on XXXX using my XXXX account ... have not bought from XXXX on over a year and never this amount. This is not my transaction. Period.