davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio Servicing ( " SPS '' ) has " illegally collected and illegally kept over {$10000.00} in Escrow Deposit Account '' to pay for my property taxes and my property insurance, but the said Escrow Deposit Account do not exist anymore and Select Portfolio Servicing ( " SPS '' ) did not pay a dime. This is a CONSUMER FRAUD.
Consumer complaint received 2016-04-08
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: REGIONS FINANCIAL CORPORATION (TN)

Regions Mortgage is not reporting correctly on several if account. This account is not in the wage warner plan. The balance is incorrect, last payment date is incorrect. 
REGIONS MORTGAGE XXXX XXXX XXXX XXXX, MSXXXX ( XXXX ) XXXX Account Number : XXXX Status : XXXX Account Owner : Joint Account High Credit : {$200000.00} Type of Account N/A Credit Limit : Term Duration : 20 Years Terms Frequency : Monthly ( due every month ) Date Opened : XXXX/XXXX/XXXX Balance : {$160000.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : {$0.00} Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$2000.00} Scheduled Payment Amount : {$2000.00} Date of Last Activity : N/A Date Major Delinquency First Reported : XX/XX/XXXX Months Reviewed : XXXX Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Conventional RE Mortgage Date of First Delinquency : XX/XX/XXXX
Consumer complaint received 2023-03-31
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. (FL)

In accordance with the fair reporting act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX All of these companies 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 an 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 2019-06-17
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 — Their investigation did not fix an error on your report
Company: ERC (FL)

XXXX reporting the following Bureau Name ENHANCED RECOVERY COMPAN Original Lender XXXX XXXX Account Type Not Reported Responsibility Individual Age Of Account 1 Years, 10 Months Credit Limit Not Reported Highest Balance {$220.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Remarks Account information disputed by consumer, meets FCRA requirements. 

This account has been closed since well over 7 years ago and amount was disputed back then as XXXX charged a " cancellation fee '' that was not valid. This collection agency obviously bought this and is now trying to collect. Age of account is incorrect.
Consumer complaint received 2023-03-31
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. (LA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information which violates section [ 15 U.S.C. 1681 ] of the Fair Credit Reporting Act. 

Your corporations are continuously reporting inaccurate information pertaining to XXXX XXXX ( account # XXXX ) which is a charged-off account. The above-mentioned account has been disputed on several different occasions and has been verified as accurate but I am still seeing many inaccuracies. There are 3 different dates for the last time the account was allegedly reported ( XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. There are different dates for the date the alleged account was opened ( XX/XX/XXXX, XXXX XX/XX/XXXX ). Additionally, there are different dates for the date the last payments were allegedly made ( XX/XX/XXXX, XXXX XX/XX/XXXX. Also, the amount of the credit limit has different amounts being reported ( $ XXXX XXXX ). The account is not showing a past-due balance. Furthermore, XXXX, XXXX isn't reporting what type of account is. How can you report an account on my credit profile but fails to mention what type of account it is? 

I am requesting that this account be removed immediately from my credit profile. 

Furthermore, if your corporations continue to violate federal law, I will proceed with a civil litigation suit for monetary damages.
Consumer complaint received 2019-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IL)

Comenity does not provide automatic payments for its XXXX credit card. Providing a means for automatic payment is the norm for online payment systems, and users assume the feature is available from all companies. As such, to not provide such a service is a tactic to collect fees for late payment since users are particularly susceptible given the deviation from common trade practices.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO. (FL)

I filed a bankruptcy back in XX/XX/XXXX and it was discharged in XX/XX/XXXX. In this banruptcy I had included a loan from chase home mortgage for a house which belongs to my brother legally on the title. I was never in the title only in the loan. Years later he defaulted again and chase home mortgage claimed that they never received documents from the court regarding my bankruptcy and they are coming after me and threatening to or a lien on my current home and my credit has been ruined again because they have not reported it properly to the credit bureau and have not taken the financial responsibility off my name in their system. My life is being affected yet again since even an employer checks your credit to offer you employment these days and I can't even get a credit card or buy a car, nothing because they have not reported this properly. Chase has taken me to court and asking for something like {$140000.00} or a lien on my property when I declared that debt in the banruptcy and it was discharged! I need these cleared up and my credit cleaned so I can have my life back! Never ever ever lend your credit to anyone and when you file bankruptcy make sure you sun your credit to ensure it is being reported properly. I have learned my lesson but fixing this is taking a long time and causing stress on my marriage and our family! Please help!
Consumer complaint received 2023-03-31
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. (NC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX  XXXX of inquiry : XX/XX/XXXX
Consumer complaint received 2023-03-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (GA)

I have receive a letter from Cedars Business Services debt collector on XX/XX/2023. It was about the debt that does not belong to me. Please verify this account thoroughly to address my issue. Again, this debt is not mine. If there were any fraud activities involved please investigate to resolve this issue in timely manner.
Consumer complaint received 2019-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I reached out to Capital One Bank, back in XX/XX/2019, about a credit card debt they are falsely reporting to the credit bureaus. I spoke with the fraud department and was told they would investigate and get back with me within 45 days. I never heard from the company via mail as I was told.
Consumer complaint received 2019-06-17
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. (CA)

This is my second complaint against Trans Union with the CFPB in which the first one they did not address my concerns. In fact, three of the account I addressed that they claimed were verified have in fact been deleted by the furnisher since then, which only proves that Trans Unions does NOT investigate properly as they are required per FCRA. Trans Unuon has failed to provide a method of verification in which I questioned in the previous CFPB complaint, and has sent a certified letter requesting. In fact Tran Union managed to lock my file ( computer glitch they claim ) for an entire week in which NO customer service representatives could even access. Thats serves as a HUGE concern. This is a company that obtain MILLIONS of identities of consumers. MILLIONS, and I was told my file was locked and could not be accessed and needed maintenance? Thats completely unacceptable. Trans Union has continued to ignore my requests for method of verification in a timely manner, as well as deleted a report Bankruptcy that does not belong to me. The bankruptcy court confirmed to me that they do NOT furnish this information for ANY THIRD PARTY. That includes Trans Union, or any other third party they may use for verification.
Consumer complaint received 2019-04-14
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: BARCLAYS BANK DELAWARE (CA)

I had noticed that someone had been using my information and had been making unauthorized hard inquiries by fraud and here is the list 1. XXXX XXXX XXXX and XXXX 2. XXXX XXXX XXXX and XXXX 3.XXXX  XXXX XXXX XXXX 4.Barclay XXXX
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION (ID)

Information on my background check is inaccurate. The background check under my social security number and name brings up a address and information in XXXX, Arizona - XXXX County. I  have never resided at that address, and I fear that the information is not mine, and may reflect on other background checks and credit information. Here is the information : Record Source XXXX COUNTY SUPERIOR AND JUSTICE COURTS Search Results No Record Found Search Type FELONY & MISDEMEANOR RECORD SEARCH Date of Search XX/XX/XXXX Search Period XX/XX/XXXX - XX/XX/XXXX Address Covered XXXX XXXX XXXX XXXX XXXX XXXX Address City Covered XXXX Address County Covered XXXX Address State Covered AZ Address Zip XXXX Location XXXX XXXX XXXX XXXX XXXX COUNTY
Consumer complaint received 2019-06-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX my student loan with US Dept. of Education ( USDE ) went into default, I do not know the amount due as the USDE ignored my repeated requests for current balance due. 
On XX/XX/XXXX the IRS intercepted my joint tax refund in the amount of {$4700.00} to pay the USDE LIEN. I pulled my credit reports and noticed the USDE still showed ( 2 ) balances totaling appx. {$45.00} and did NOT show any payments made by the IRS even though the balance was lowered. 
On XX/XX/XXXX the IRS intercepted my joint tax refund in the amount of {$86.00} to pay the USDE LIEN in full. 
On XX/XX/XXXX USDE reported ( 2 ) accounts, each owing {$1.00} and charged off accounts, did not show ANY payments made. I disputed with TransUnion immediately and mailed proof of IRS payments. On XX/XX/XXXX TransUnion reported the info reported was USDE is correct and still shows ( 2 )  accounts with {$1.00} due each, charged off accounts, does NOT show payments made by the IRS.
Consumer complaint received 2019-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WA)

Our Mortgage has been with Ocwen for the last 10yrs, we have always paid our mortgage through their XXXX XXXX  XXXX  XXXX  with no issues on the 1st or 3rd of every month. Ocwen just went through a merger or purchased another company I am not sure the response emails have listed a XXXX XXXX  XXXX and we have not received any correspondence from XXXX XXXX  XXXX but when I called on XX/XX/XXXX to pay our mortgage the system did not recognize our account number and there is an automated message that says " you may or may not have received a new acct number please call our customer service line '' I made 3 attempts to call the number given XXXX each time I have been on hold for 25-30min there is a beep and the line goes dead, I called on XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX with the same result. I also submitted a support request on the Ocwen website on XX/XX/XXXX, I received a system generated response to call the same phone number listed above and had the same result, the message also stated that someone from the mortgage company would contact me within the next 5-7 business days which has not happened yet. I want to maintain my good credit rating and all I am trying to do is pay our mortgage but we are unable to speak to anyone within the company and the phone numbers are not working.
Consumer complaint received 2019-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (PA)

In fall XX/XX/XXXX I received a call from Pioneer Credit Recovery, XXXX and was told they were trying to collect a debt that I owed. The woman asked for the last 4 digits of my SSN. She refused to tell me anything about the specific amount of the debt or who the creditor was unless I provided that information. I refused to do so. As there was a stalemate, we hung up. I have never received any notice in my mail of any debt owed, nor am I aware of anything owed. Pioneer soon began calling multiple times, up to 3 times a day 5 days a week, but I would not take the calls. On XX/XX/XXXX I filed a complaint with the FTC, and the calls immediately stopped. But on XX/XX/XXXX Pioneer resumed calling me, again up to 3 times a day 5 days a week. This time I blocked the calls, but my phone does record auto-rejected calls.
Consumer complaint received 2019-06-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (AL)

Hello XXXX XXXX XXXX put a collection on my account saying I have a debt of {$67.00} that needed to be paid which I just went ahead and paid for it since I was NEVER notified it needed to be paid and also closed my account with them. They never told me that I had a extra amount that needed to be paid. And denied that they will remove it from my credit when I am the one not at fault here. They have my email and phone number on file they could of asked for the forwarding address which they decided not to contact me on. 

The address they where forwarding to was the exact address that I closed the account on and never gave me a EMAIL OR PHONE call to ask for a forwarding address they could send the letters to so I believe I should rightfully get this removed from my account since I paid this in full immediately.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

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 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In multiple instances I have requested proof from all 3 credit bureaus for what they used to validate debt. I am still not seeing any response to multiple requests, also I have multiple accounts reporting false information and not receiving any response to correct the information on those accounts,
Consumer complaint received 2019-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (FL)

Macys/DSNB XX/XX/2016 was on my credit report and I attempted to contact the company to let them kno wits not mine and they was not listening and di not care.
Consumer complaint received 2017-01-13
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

my account went into the negative because of an overdraft, however i was never notified of the issue. i went to use the card around XXXX time and realized there was a issue at that time upon looking into it i realized there was a overdraft charge and it was in negative. 
on XX/XX/XXXX i revived a overdraft fee of XXXX however i was never told there a issue prior to this event happing or charge being placed. i contacted branch in mcadoo, pa and spoke to a XXXX who said he would look into it. upon me calling back he told me to contact costumer service who i called and they told me the prob. that i was never notified was because alerts were not working and that " IT '' was working on it but it was a known problem ( i have call recorded ) and that also dueing holidays and anytime the bank is closed for holidays no alerts or account notifications are sent out so if i have alerts setup on my account i will not receive any alerts dueing that time if everything was working, but again the alerts we not working. i contacted XXXX back and told him i should not be charged because i was never notified in attempt to fix the issue before charge and that i was told the alert were not working, customer service also said they would call and tell him as well. However the bank decided to keep the charges there and additional charge me XXXX as follows. ( XXXX on XX/XX/XXXX. then XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) thats a total of XXXX on XX/XX/XXXX alone. XXXX as overdraft fee and then the XXXX as auto overdraft fee. 
I SHOULD NOT HAVE TO PAY ANY OF THIS AND SHOULD BE DUE A REFUND OF THE ENTIRE AMOUNT OF XXXX IN FEE 'S BECAUSE I WAS NEVER NOTIFIED, I TOLD BANK IT WOULD BE HANDLED BY DIRECT DEPOSIT, AND CUSTOMER SERVICE SAID ALERTS NOT WORKING AND I WAS NEVER NOTIFIED BEFORE THE ORG. XXXX CHARGE THAT A PROB. WAS EVEN ON MY ACCOUNT. 
THE BANK FIELD IN DUE PROCESS OF NOTIFYING ME AND I HAVE FULL ALERTS SETUP ON BOTH CELL PHONE, AND EMAIL AS WELL AS ON THE BANKS MOBILE APP. AND I NEVER GOT ALERT OR NOTICE. IF I GOT AN ALERT OR CALL I WOULD HAVE CORRECT IT IMMEDIATELY AND NO OVERDRAFT CHARGES WOULD HAVE HAPPENED i have 100 % all calls recorded and documented..
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I have paid off the collection from XXXX XXXX XXXX and Experian is not updating my information. I have sent in the dispute with the proof of payment and yet it is still on my credit report. They are late with updating my information! I am in a XXXX XXXX XXXX XXXX to get a house for me and my children and this is affecting me. The late reporting is ridiculous. The late reporting has been going on for months. I have a membership and I am very dissatisfied.
Consumer complaint received 2019-06-17
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Services, Inc. (OK)

i have sent in the requested info. to national Credit Services. Via FAX, EMAIL. My husband is on military   leave and currently XXXX XXXX. I can not access his info neither can he!! i have told them this OVER and OVER!! i have sent in my info all my pay stubs and fax the consent. They will verified they have received it. BUT keep calling to ask for it,, after they put me on hold then they come back and say- oh now i see where you have sent this in!! 

i have also received calls past XXXX XXXX. i have also received numerous calls at work. and i have told them please do not call my work. and they refuse.