davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

On XX/XX/21 I received notice that my mortgage loan was sold to a different mortgage company PHH Mortgage. They sent me a notice that I was to pay an additional {$92.00} for hazard insurance. I called my Insurance company, XXXX and spoke to a customer service representative, who then contacted PHH. After 30 minutes of waiting and being transferred to other departments, we finally reached someone. XXXX agent faxed my insurance coverage to PHH on XX/XX/21. I thought the problem was resolved, however, I received a letter by mail on XX/XX/21 stating my payment for XX/XX/21 would be the same as before ( included the XXXX ). 



Thank you for your help. 
Sincerely,
Consumer complaint received 2019-02-15
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. (GA)

XXXX XXXX has reported to the credit agency that they are the owners of the debt. I have made several attempts to contact XXXX XXXX for proof. I have received calls and notfication via the mail by other companies claiming to be the owner of the debt. XXXX is in direct violation of the FCRA. A debt can only be bought and sold by a limited number of parties. XXXX has not been able to verify in writing that this debt does not exceed the federal limits of debt sales by a third party debt collector. From my records this debt has been bought and sold over 5 times which exceeds the legal limit. The credit agencies failure to verify that XXXX is within the legal limits is just cause for civil litigation. I demand the credit agency verify that XXXX is the legal owner of the debt in writing or remove the item from my file.
Consumer complaint received 2019-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX has reported to the credit agency that they are the owners of the debt. I have made several attempts to contact XXXX XXXX for proof. I have received calls and notfication via the mail by other companies claiming to be the owner of the debt. XXXX is in direct violation of the FCRA. A debt can only be bought and sold by a limited number of parties. XXXX has not been able to verify in writing that this debt does not exceed the federal limits of debt sales by a third party debt collector. From my records this debt has been bought and sold over 5 times which exceeds the legal limit. The credit agencies failure to verify that XXXX is within the legal limits is just cause for civil litigation. I demand the credit agency verify that XXXX is the legal owner of the debt in writing or remove the item from my file.
Consumer complaint received 2022-08-19
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. (TN)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name XXXX Employer XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX Experian Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I was attempting to make a purchase for a pair of concert tickets totaling {$340.00} dollars on XX/XX/2018 via XXXX. The seller then says he can transfer the tickets from his XXXX account to mine and I can pay him with XXXX/online banking. I explained to him I never used it and when the seller mentioned it was a service through my own bank, I felt comfortable sending the money thinking my bank would help me out in case something goes wrong. I completed the transaction and sent the money out. Once that was done the seller texts me telling me that they will send the tickets ASAP but nothing was ever received. I tried calling, text messaging over and over but no reply, no answer. I immediately called my bank ( USAA ) in attempt to dispute it and report fraud/scam but they couldn't help me. They said they would look into it and get back to me in 5 business days or so. Based on my research, I looked up this seller and found out that these guys have been doing it all around my neighboring cities. Same post, same description with all the same information scamming all kinds of folks. It wasn't until I researched this seller up the next day to find out other people have already been scammed by this same seller. I an addition to that, never knew that there is no protection by USAA or XXXX on this type of transaction and I find that completely unfair. They fail to disclose that this service is only to be used among family. I really need your help to recover my money as this is FRAUD all across the board and feel like I have no support. Hope I get help in this matter and recover my money.
Consumer complaint received 2019-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

The Bank of America to date has not responded in good faith to numerous attempts to resolve this dispute since XX/XX/2018. The trip booked on the XXXX XXXX was paid in full, in advance, per the merchants invoice ( sent to the BOA ). The Bank of America states that subsequent add on charges to the invoice were not paid. Those supplemental charges from the merchant were added on several months after the trip was paid in full. I have asked on multiple occasions for the Bank of America to provide documentation from the merchant showing that the added charges were noted to the client as being supplemental at the time the booking charge was totaled by the merchant and was paid in full as required prior to taking the trip. 

The Bank of America has not, and can not provide documentation showing the validity of the charge and that the client was pre-informed of these charged beforehand and agreed to them. If the Bank of America can provide documentation showing that the client was notified at the time of booking that the total stated and paid was to later include further supplemental charges then please provide that documentation and the billing will be paid upon receipt. 

Otherwise, if the Bank of America can not provide documentation showing the client had been advised of further supplemental charges and agreed to such charges then this issue is now closed since the dispute has been unresolved by the Bank of America for a period of over 7 months. 

It appears that since the merchant and the Bank of America can not provide the documentation that the charges were " hidden '' and not defined to the client prior to taking the trip or included within the paid in full total amount invoiced by the merchant.
Consumer complaint received 2016-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (OH)

Federal student loans to attend law school. My diploma has been withheld since XX/XX/XXXX because I allegedly did n't pay tuition to the school. That bill was discharged in Ch XXXX filed in XX/XX/XXXX. Actual student loans were not discharged although I asked for it because I was never given my diploma although I graduated. My student loans are now at over {$160000.00} for a degree I never received. This year my payments were tripled to {$350.00} a month. I can not pay and applied for forbearance which has been repeatedly denied.
Consumer complaint received 2022-01-08
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX OF XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-01
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: Tri-State Adjustments, Inc. (NY)

My wife had some negative accounts on her credit report she paid all of them all reported that they were paid but XXXX Ive called the original creditor they told me they received the payment in full the credit agency refused to work with us the original creditor has also tried to contact the collection agency the original creditor said it up to the collection agency to report that its been paid we paid this on XXXX XXXX the company is Tri State Adjustment in XXXX XXXX XXXX XXXX XXXX Wi XXXX XXXX I also noticed that on XXXX XXXX they reported to the credit bureau that this account is still active which is a lie when it was paid in full on XX/XX/2019 please shut this company down and fine them to the highest level as possible thank you
Consumer complaint received 2018-08-29
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: AES/PHEAA (TN)

I originally disputed late payments. I ended up sending goodwill letters asking for late payments to be removed to American Educational Services. Now on my reports its says that i am still disputing, which I am not, after resolution. I sent letters saying I am not disputing and to remove statement several times off my credit reports to the credit bureaus and AES with no response. I would like the statement removed.
Consumer complaint received 2018-08-29
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. (CA)

I placed a order on " XXXX '' on XX/XX/XXXX and I selected ; the option for " 3 easy pay '' installments. I never, knowingly consented for " XXXX '' to pull my credit report. I talked to " XXXX XXXX '' sales engineer yesterday, evening Tuesday, XX/XX/XXXX, when he asked for my social security number to run my credit report. I told XXXX, NOT to run my report and I will call him back today ( XX/XX/XXXX ) once I decide how I wanted to proceed with this order. I checked my credit today ( XX/XX/XXXX ) and my credit was pulled without my consent. I never gave " XXXX '' my social security number to even check my info. 


Credit Pulled From : XXXX XXXX. 
Phone : ( XXXX ) XXXX x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
Consumer complaint received 2019-04-01
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Lee Petersen, Attorney (OH)

XXXX XXXX sued me for the debt justifiably. I entered into a Consent Journal Entry payment terms with XXXX Municipal Court. I paid the initial payment of XXXX on XX/XX/2019. The agreement stated that I would need to pay XXXX by XX/XX/2019. 

On XX/XX/2019 I received a fifteen day demand for payment of the debt, with a subsequent Garnishment of wages if i did not comply from Attorney Lee Petersen 's Office. 

Since i entered into a payment plan and complied with that, I feel that this is a direct violation of the FDCPA.
Consumer complaint received 2023-01-05
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. (IL)

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 Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXXXXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Not mine inaccurate information XXXX Fst Premier XXXX Not mine inaccurate information XXXX Santander XXXX Not mine inaccurate information XXXX Exeter Fin XXXX XXXX Not mine inaccurate information XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached 15 U.S.C 1681 section 6028 that states I have the right to privacy. 15 U.S.C 1681 section 604 a section 2 ; it also states, consumer reporting agency can not furnish an account without any written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency, might make any consumer reporting containing any of the following items of information of any other adverse item of information, who it that records or convention of crimes, which attendates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A a person shall not furnish any information relating to a consumer to any consumer agency. If the person knows or has reasonable cost to play, that information is inaccurate.

Affected by Natural or Declared Disaster ( e.g.

COVID-19 )
Consumer complaint received 2022-03-09
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. (MI)

As I reviewed my recent report, I have found an erroneous information reporting on my Equifax Credit Report. I was never late on these account. I've already sent a request to Equifax to correct and update these matters but I am not sure if they have conducted a thorough investigation for these items : XXXX XXXX XXXX XXXX Balance {$190.00} XXXX XXXX XXXX XXXX Balance {$2900.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$6000.00}
Consumer complaint received 2019-04-01
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. (NY)

On XX/XX/2019 I became aware that the Credit Bureaus are reporting one Credit Score to the consumer and a lower Credit Score to the Banks. I recently ran my Credit Score on Experian and it was reported to me on line as XXXX. However I was turned down for a business loan by a local regional bank because they told me the Experian score came back at XXXX. Since the score was below XXXX I was declined for the loan. It is obvious what is happening here, Experian is either issuing artificially high scores to the consumer or artificially low score to the banks. As you know credit scores affect so many financial areas including loan approvals, interest rates, etc ... This practice should be illegal!
Consumer complaint received 2018-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX some person or persons took a image of my tax customer & remotely deposted an amount of $ XXXX.Chase incorrectly honored an illegal check and deposited {$680.00} to my account ending in XXXX account. The criminals then withdrew two amounts one for {$400.00} & another for {$280.00} at XXXX & XXXX stores. I received no proceeds from the fraud and immediately as i recognized it I informed the local branch. Chase is refusing to honor the claim and has debited my account in the amounts of {$400.00} & {$280.00} TOTALING {$680.00}. effectively saying I had something to do with this fraud. They provided me with a complaint number and it is:XXXX. Hopefully tis csn be resolved with me having to take legal action.
Consumer complaint received 2023-10-25
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: Fay Servicing, LLC (AR)

XXXX XXXX received a letter from XXXX XXXX stating that the loan will be transferred to fay servicing and payment will need to made to XXXX XXXX until paperwork is mailed to the property from fay servicing. Received it around XX/XX/XXXX and payment will start XX/XX/XXXX to fay servicing. Payment was mailed to fay servicing on the XXXX and got a call from fay servicing informing me that the XXXX payment wasn't received. I told them XXXX XXXX received XXXX payment and that it was said that any payment made would go to XXXX. So I emailed fay the photo of XXXX payment that went to XXXX XXXX and XXXX payment to fay. Then in XXXX got another call to say XXXX payment wasn't received and I sent them proof of that money order. Then XXXX got a notification from my credit report said I'm 45 days late with fay Servicing and I disputed the issue and called fay to say it wasn't received for the XXXX payment and online line it states anything after the XXXX of the month there's a {$10.00} late fee which anytime payment was late the regular payment plus late fee was added, still with 5 pictures of money order I had to pay a double amount for XXXX. Regardless of going with proof of payment, they keep it as is and pressure you to the point of putting the house in foreclosure.
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Information Services, Inc (FL)

Was offered a position by insurance offices of XXXX On XX/XX/XXXX. Was sent a request for background screening authorization, potential employer requested I sign an authorization for consumer background check. However the 3rd party company listed was accufacts. After a week, I contacted accufacts who stated they had no relationship with XXXX, and after a search on the internet found out this company was used. GIS did not contact to get my consent for background screening. 

What is worse the former potential employer has escalated a series of adverse actions based on this report. Contacted this agency who has apparently been working on the report since XX/XX/XXXX. Start date pushed back twice, so I escalated my concern to a supervisor named XXXX in XXXX who committed to sending the report to XXXX on XX/XX/XXXX.  That did not happen. The employer sent threat disguised as an offer letter stating that I would be released based on the approval of a background check. 16 days. It presented an unacceptable hiring condition cost me my employer, and have now contacted an attorney to see how to protect my rights.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.