davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (ID)

Company refuses to troubleshoot password without card 3 digit number. When I closed my account I cut up my card therefore no longer have the 3 digit number on the back. I had been paying my bill online but then my password got stuck and now I can not retrieve or reset. Website log in states to call customer service. I called customer service they said they can not issue a new card or reset my password. They would not let me talk to a supervisor. I complained to Flagstar Bank via XXXX and received a call but it was their banking division who tried to talk to someone on the credit card side but did not receive any assistance to assist me. Credit card stated I can make phone payments. I want to pay online. I want to reset my password.
Consumer complaint received 2022-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

In XX/XX/XXXX I was laid off from my job. I contacted my servicer at the time re : lower payment options during this time. Although I would have been eligible for a low or even {$0.00} payment, I was instead steered towards periods of forbearance/deferral from XXXX of XXXX. I was not made aware that any payment I did happen to make during that time would not be a qualifying payment under the PSLF program which is very important when you are striving for the goal of 120 payments. Luckily, I was able to secure new, PSLF eligible employment and started that job in XXXX of XXXX ( this employment time frame has been certified ). I have proof of payments made from XXXX XXXX and have attempted to submit them to Fed Loan Servicing and student aid.gov. I'm worried that not getting the payment status during that time period changed will prolong my forgiveness via the PSLF program. I have had the correct type of loans and repayment plans for many years prior to the waiver introduced in XX/XX/XXXX. It is very difficult to see people, that just applied to the PSLF program 2 months ago, get their loans forgiven while people like myself have had our ducks in a row for many years. I should note that when I first transferred my loans to Fed Loan servicing it literally took them more than a YEAR, to update my payment counts. That brings up high levels of frustration with my former servicer XXXX XXXX. It is my understanding that they failed to keep accurate payment records and continually steered people to periods of forbearance vs offering an income based payment. 
Currently, trying to call and speak with a Fed loan representative is a nightmare and very difficult if one does not have 2-3 hours to wait on hold. I believe that I should be at or very close to the required 120 payments and getting the payment status changed for the above dates would be helpful in me reaching my goal.
Consumer complaint received 2022-03-25
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. (TN)

TransUnion is determined to continue to report inaccuracies even after I provide proof of their error time after time. 
Am I correct to state that All credit bureaus receive their information from the same reporting places? 
How can one report not show the account but the other two does?

TransUnion continues to report an account on my credit file which is XXXX I sent them a letter back in XXXX of this year XXXX, stating to them that they were reporting a negative account In error and that XXXX is not reporting that account at all. I provided documentation of such. I also pointed out to them that there were inaccuracies on the account. They went in and corrected their reporting by way of the errors I pointed out in my letter which I also have attached. I have attached the report with the error on it as well as the current report they sent with the correction on it to show the error I pointed out. If the last payment was made in XX/XX/XXXX, how was the account in good/current status on XX/XX/XXXX? They did not provide me any documentation showing who provided that information to them. They did not provide me a signed contract bearing my name to show that account belong to me. I have asked for this information numerous times and all they do is reply back that the account is verified as accurate and has been updated If they do not provide me with the proper means of verification with your help, I will file a complaint with the Federal Trade Commission ( FTC ). 
That same statement of verified as accurate and account updated but no documentation or proof of who verified will no longer be accepted when I have pointed out their error in reporting numerous times. Please ensure that this account gets actually investigated properly. 
Thank you
Consumer complaint received 2021-10-27
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: EQUIFAX, INC. (FL)

I recently refinanced our our home and part of qualifying for the best rate the mortgage company used Equifax to investigate my credit. My score came back at a XXXX which is less than the XXXX I needed to obtain the best rate. The reasons stated by Equifax for my score were : SERIOUS DELINQUENCY PROPORTION OF BALANCES TO CREDIT LIMIT IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS LENGTH OF TIME ACCOUNTS HAVE BEEN ESATBLISHED TOO MANY INQUIRIES LAST 12 MONTHS I have attached my credit report from Equifax and there are no records showing delinquent and the only hard inquiry in the last 12 months was the mortgage refinance I was applying for at the time XX/XX/2021. 

I disputed the credit score through Equifax 's dispute process twice and asked Equifax why the I got a score of XXXX. Equifax dispute XXXX and Equifax Dispute XXXX. 

Both responses from Equifax just said they would pleace my consumer statement in my credit file. They did not answer my questions as to why my score was XXXX and the reasons they originally stated are not reflected in the credit report they provided me as the consumer. 

I am looking for the answers and an adjusted credit Score. 

Thank you
Consumer complaint received 2022-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

Loan was paid off in mid-XXXX 2021 to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX for {$180000.00}. After payoff there was an escrow balance of {$11000.00}. We have called several times requesting for the escrow to be paid back to us. Every time we call they say it will be 10 days to mail the check. We have waited 4 months and still not received the check. What recourse do we have and how can we get the balance of the escrow account refunded?
Consumer complaint received 2015-07-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc (TX)

I was evicted from my XXXX XXXX XXXX in XXXX XXXX in XXXX of 2013. I was not contacted by the apartment staff for payment of fees incurring because of eviction. I received a call from Hunter Warfield Collections Agency about XXXX weeks later. Hunter Warfield stated I owed them a {$2500.00} payment which was debt sold to them from XXXX XXXX XXXX. I immediately asked for written notification and an itemized bill. They agreed to send the information. I never received written notification or an itemized bill. I followed up with the apartment complex to find out exactly what was going on. The apartment complex said they notified me via mail. They sent the notification letter to the address I was evicted from so I had no way of receiving the mail. Also, I had all mail forwarded to my new address in XXXX XXXX. I did not receive any written notification from either party with a description of the fees I owed. The debt has since negatively affected my credit rating. I have still not received any written information from the credit agency or the apartment complex.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personally-identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-10-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-26
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. (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. 

FLORIDA XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX : # XXXX XXXX  XXXX : # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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. 1681sXXXX ( A ) ( XXXX ) 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 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I am writing this to file a formal complaint against XXXX XXXX Bank regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 U.S. Code 6802 of the Gramm-Leach Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 

On XX/XX/year>, I notified XXXX XXXX XXXX  that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 U.S. Code 6802 of the Gramm-Leach Bliley Act ( GLBA ), and I have retained documentation of my communication with the institution. 

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX XXXX  has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX XXXX  complies with all federal regulations and laws including the GLBA, to protect the privacy and information security of consumers like me. 

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by XXXX XXXX XXXX. 

Please feel free to contact me at at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my rights.
Consumer complaint received 2022-03-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (WA)

XXXX XXXX and XXXX XXXX  ( about $ XXXX ) were stolen from me out of my Gemini account ( account held in an IRA and XXXX XXXXXXXX XXXX is custodian ) in the hack that occurred on XX/XX/2022. I attempted to contact Gemini and its owner in various ways at various times since then, asking for restitution whether partial or full, but I have received no reply with any substance. I would like to join with complaint ID XXXX because the filer of that complaint already gave substantive info, and I don't want to cause you more work by duplicating information. But, I can certainly be available if you have any questions.
Consumer complaint received 2022-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (NV)

ATTENTION ( CREDIT MANAGEMENT XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$280.00} does not belong to me. This account was fraudulently opened through this company ( CREDIT MANAGEMENT XXXX XXXX ) in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN OR ACCOUNT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

My name is XXXX XXXX this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personally-identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC.
Consumer complaint received 2015-11-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (GA)

I have been trying to modify my loan via HAMP with Ocwen since last year and they kept giving me the run around to finally tell me that they will not process my modification after they sent me a letter stating that they would do so. I have spent countless time on the phone explaining this to different relationship managers. Every time I spoke to someone I would get a different answer or different instructions on what to do next. They sent me payment vouchers which was incorrect during the trial period which they addmitted to doing. They asked that I send in the shortage and 1 additional months payment ( for a total of 4 months under the HAMP ) and then they would process my final modification. After I did everything they asked me to do and met the requirements they still would not process the final modification. I have tried my best and I am tired of fighting with them. No one seems ever have a clue as to whats going on when you contact them for help or assistance. I have a secure letter that was sent to me by Owcen that states for me to make they payment difference and they would process my final HAMP which I will attach to this complaint. I will also be attaching the letter i recently recieved from Ocwen stating that they denied me for non payment which is incorrect, they did recieve my money per the letter dated XXXX/XXXX/2015. I called in and was once told by a relationship manager to reapply for the HAMP to get it processed but they denied it and sent me a Shared Appreciation Modification which I was uncomfortable with signing and sending back because the value of the home seemed to be inflated per their apprasial and there were some other things I was n't comfortable with. Again I told them i was n't comfortable with that and did not want it. I get a letter in the mail saying we denied you for the Shared Appreciation Modification because you failed to make the payments of which I never singed and returned the package to them agreeing to any of it. I have tried to explain to the best of my ability and will attach some supporting documentation to explain my complaint.
Consumer complaint received 2022-05-17
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. (CA)

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 account # XXXXXXXX XXXX XXXX account # XXXX late payments 30 day and 60 day XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXXXXXX XXXX XXXX account account # XXXX. 

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.