davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I obtained a second mortgage on my home in XX/XX/XXXX with maturity date of XX/XX/XXXX, from Household Finance, ( agreement attached ) for a total of 240 payments with no balloon payment. 
I am unsure when but at some point HSBC took over the loan or merged with Household. In XX/XX/XXXX the mortgage was taken over by XXXX XXXX. I have made my XX/XX/XXXX payment and will be making my XX/XX/XXXX regular payment of XXXX as soon as XX/XX/XXXXclears. My maturity date is XX/XX/XXXX and my balance before the XX/XX/XXXX and XX/XX/XXXX payments is XXXX, I do not understand this balance and have been trying to obtain information from XXXX ( which they have been helpful ) and HSBC as to why I have this balance. 
XXXX has sent me payment history from XX/XX/XXXX to present ( attached ) and this shows 10 missed payments as you can see, and they are XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX which would be equal to XXXX, but I do not understand why these payments are missing as loan is not showing modification which I believe I would have had to agree to and sign. I have also tried to obtain payment history from XX/XX/XXXX to XX/XX/XXXX and I have called HSBC but they have been very uncooperative and said they do not have access to household accounts. XXXX on the other hand has provided me with the payment history from XX/XX/XXXX to present but for some reason I am having a problem getting XX/XX/XXXX-XX/XX/XXXX. I  would greatly appreciate any help you can give me in determining why I have this large maturity balance due.
Consumer complaint received 2018-10-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

this correspondence is reference to predatory lending, I hired a legal firm XXXX XXXX to represent me with current mortgage lender ( PennyMac ) .The loan didn't get modified I paid the firm $ XXXX monthy. My name has been removed off the title and in foreclosure.
Consumer complaint received 2023-05-21
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. (NV)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

ON XX/XX/2021, I SENT LETTERS TO THE CRA 'S FOR REPORTING INACCURATE AND UNVERIFIED INFORMATION ON MY REPORT BECAUSE ITS DAMAGING MY CREDIT AND STOPING ME FROM GETTING A HOME, PLUS CAUSING ME STRESS.I AM SEEKING SOME ASSISTANCE IN THIS MATTER, ALSO THE LETTERS THAT I SENT THEM ARE FILLED OUT COMPLETLY.
Consumer complaint received 2018-10-03
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (ID)

XXXX took over my car loan. the repedetly call me its 3-4 times a day all with in three hours. i called them asked them to stop calling they said they will call over and over tell they get me. i have never even been late on a payment and they harrass me
Consumer complaint received 2022-02-02
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. (TX)

FIRST I SPOKE WITH XXXX ACTUAL DISAPPOINTED IN THIER PROCESS TO UPDATE INCCORRECT INFORMATION ON MY PROFILE SPOKE TO LADY IN FRAUD SHE CLAIM I DID NOT SEND RIGHT FORMS WHICH IS NOT TRUE BECAUSE THEY WHERE IN FACT THE RIGHT FORM TO ADDRESS THE THINGS REPORTING INCCORRECTLY ON MY REPORT.EXPERIAN SEEMS TO NOT BE FIMILAR WITH LAW IN REGARDS OF PROTECTING COSUMER RIGHTS ( XXXX ) I -- -INSTEAD OF TAKING TIME TO RUIN MY REPUTATION 15 USC 1681 ACCURACY AND FAIRNESS REPORTING ACT A ( XXXX ) AN ELABORATE MECHANISM HAS BEEN DEVELOPED FOR INVESTIAGTING AND EVAULATING THE CREDIT WORTHINESS, CREDIT STANDING, CREDIT CAPACITY, CHARACTER, AND GENERAL REPUTATION OF CONSUMER XXXX5 US code 1681b-permissible purpose of consumer reports- under this law you never gave a written consent to report anything on your consumer report. No consent is identity theft 15 usc 1681a ( XXXX ) ( i ) exclusion consumer ( individual ) person ( company ) transaction ( payment history ) experiences ( utilization ). 

EQUIFAX STILL PROVIDING GENERIC INFORMATION IN REGAURDS TO INCORRECT INQUIRIES ON MY PROFILE... THE INQUIRES ONLY REPORT ON THERE REPORT ADVISE MY FORMS WAS APPROVE BUT NO FORMAL MOVEMENT IN REMOVING ITEMS THAT I ADVISE WERE INCORRECT ON MY FILE. EQUIFAX ALSO SEEMS TO LACK FCRA KNOWLEGDE AND RIGHT THAT PROTECT CONSUMER FROM BOGUS REPORTING AND INVESTIGATION PROCESS IN BAD INFORMATION ON CONSUMER REPORT ( XXXX ) I 15 USC 1681 ACCURACY AND FAIRNESS REPORTING ACT A ( XXXX ) AN ELABORATE MECHANISM HAS BEEN DEVELOPED FOR INVESTIAGTING AND EVAULATING THE CREDIT WORTHINESS, CREDIT STANDING, CREDIT CAPACITY, CHARACTER, AND GENERAL REPUTATION OF CONSUMER 15 US code 1681b-permissible purpose of consumer reports- under this law you never gave a written consent to report anything on your consumer report. No consent is identity theft 15 usc 1681a ( XXXX ) ( i ) exclusion consumer ( individual ) person ( company ) transaction ( payment history ) experiences ( utilization ).
Consumer complaint received 2021-10-16
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. (CA)

I have just checked my credit report today and Equifax has posted a delinquent account on my credit file as of XX/XX/2021 when it was previuously disputed and deleted. They have done this twice. The dispute was filed with XXXX but the result effected all the bureaus. As I originally informed the dispute is for a collection account with XXXX XXXX over cancellation of a policy for a vehicle that was scrapped. The request was called in on the day the vehicle was scrapped and I spoke with an agent. I did not have a replacement vehicle at the time and policy cancelled immediately. The amount in question was XXXX.
Consumer complaint received 2023-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The late payment on XX/XX/2022 ( XXXX XXXX ) is reporting inaccurately and must be removed immediately!
Consumer complaint received 2018-06-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (ID)

I have submitted multiple Public Service Loan Forgiveness certification forms over the years, and have received a letter back indicating that my payments were counting toward PSLF eligibility. However, when I finally made it through all 120 payments and should have been eligible for forgiveness, I was told by XXXX that, in fact, my repayment plan does not qualify for PSLF, and that I'll need to select a new repayment plan and start over on those 120 payments. This is shocking and devastating news, and I feel like I was misled here tremendously. I feel like I'm being denied loan forgiveness based on a technicality that I wasn't even made aware of. I've stayed in public service all these years, accepting lesser pay, believing that at least I'd get a break on my student loans. I feel betrayed.
Consumer complaint received 2021-06-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Grain Technology, Inc. (AL)

I found this app in the XXXXXXXX XXXX XXXX that provides a line of credit based on analysis of your checking account, and that utilizes no credit check. After applying and being approved, and sorting out an issue with an error I was receiving on the app, I was told the next step would be verifying my identity. I wasnt worried about this step since Im who I say I am and have the documents to prove it. The system couldnt automatically verify me, so I was asked to upload my drivers license and social security card to a XXXX account, which I should have known not to do. After another week passed, I reached out again and was told I could not be verified. This was odd, given that they said the approval was not credit related. They would not provide how their system verifies consumers. Further, they may be running a credit check without consumers consent, or they are pretending to and saying its only an identity verification.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2018-06-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

I received a negative credit reporting about a collection account that National Credit Adjusters reported to the credit reporting agencies. I have never received any information pertaining to this account from NCA, nor had NCA every contacted me about the account. On XX/XX/XXXX, I submitted my first debt validation dispute to National Credit Adjusters ( NCA ), XXXX XXXX XXXX XXXX, XXXX, KS XXXX. NCA received my dispute on XX/XX/XXXX ( See Attachment Exhibit # 1 ). NCA responded to my dispute via a letter stating that they received my dispute ( See AttachmenXXXX Exhibit # 2 ) and would investigate it. More than 45 days lapsed and NCA did not provided the requested information outlined in my initial debt validation letter, however, NCA has continuously reported negative information to XXXX, XXXX, and XXXX. NCA has gone as far as notifying the credit reporting agencies that it has validated the account. Upon learning this from the credit reporting agencies, I requested XXXX, XXXX, and XXXX  to provide me with what NCA provided to its company that validated this account, however, each credit reporting agency instead re-started a re-investigation dispute. In an attempt to validate this account, I again submitted a follow-up letter to NCA requesting the information pertained in my initial request, and informed NCA that the information was to be provided within 10 business days from receipt of my second request ( See Attachment Exhibits # 4A and # 4B ), and further explained in the letter that it is a violation of my rights if the company fails to properly validate the account while continuing to report negative information. NCA received this second request on XX/XX/XXXX ( See Attachment Exhibit # 3 ). To date of XX/XX/XXXX, NCA has disregarded my initial request and my follow-up request to properly validate this account, but continues to report negative information about this account to XXXX, XXXX, and XXXX. More than enough time has elapsed for NCA to properly validate this account. The only option now is to ensure my consumer rights are protected in accordance with the FCRA, FCBA, and FDCPA. I hereby demand that NCA stop all negative reporting of this account to the credit bureaus, to remove all negative reporting to the credit bureaus, and issue me a letter confirming its intentions to stop and remove the negative reporting to the credit bureaus.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a dispute with XXXX and XXXX I also left in comments of my dispute the reasons this account was inaccurate they did an investigation and XXXX XXXX left this item as updated which is a violation of CFPB of not 100 % inaccurate information once again my XXXX XXXX XXXX shows XX/XX/23 a {$470.00} balance. My account is closed and ( XXXX ) XXXX balance. 
DO NOT UPDATE ....
Consumer complaint received 2023-05-21
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)

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. 

Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX has violated my rights. 

XXXX5 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 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

For my Equifax report I apparently have a balance of {$2500.00} as of XXXX but for XXXX & XXXX I have no balance. I also had an amount due for XX/XX/XXXX, but the credit limit shows I had {$2000.00}. This information is makes no sense and it needs to be handled. Also if my date of last payment was XX/XX/XXXX how can I have a delinquency the same date. The payment history shows different information as well. 

For my XXXX report it shows I have no balance for XXXX & XXXX. On XXXX, XXXX, & XXXX it shows I have a balance. 

XXXX doesn't allow me to download a report.
Consumer complaint received 2018-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Social Finance, Inc. (CA)

I signed a mortgage with SoFi, which closed inXX/XX/XXXX.

SoFi sold my mortgage to a different mortgage debt collector, XXXX, on XX/XX/XXXX. The quality of service of XXXX did not meet my expectations, specifically, XXXX   does not have electronic statements.

Other issues include : the online banking system is terrible, it took multiple days to enable autopay, none of my insurance information was transferred to the new mortgage provider, it does not have phone service on the weekend, and more.

I am incredibly dissatisfied, in particular the lack of electronic statements. I have complained to both SoFi and XXXX on MonXX/XX/XXXX, and received replies XX/XX/XXXX, and neither is willing to resolve the issue. This is a security risk ( my personal information is in the mail ), a service quality and convenience issue, an environmental concern, and an accessibility issue ( suppose I had low vision issues ).
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/, I traveled on Spirit Airlines ( Bank of America ) from XXXX XXXX to XXXX XXXX with one backpack to avoid paying any bag fees. My backpack was approved by the ticket agent and at a secondary bag inspection point. 

Upon boarding the plane, I was pulled aside and informed that I would now have to pay a {$99.00} fee because my backpack was too large, even though it already approved and was within the dimensions dictated by Spirit Airlines. I reluctantly paid the {$99.00} and boarded the plane. 

Upon returning home, I was able to board the plane in XXXX XXXX with the same backpack without having any issues ; my bag was Free as it should've been in my departing flight. 

I made a complaint with Bank of America and on XX/XX/, Bank of America denied my complaint and approved the {$99.00} charge stating that Spirit Airlines had the right to request payment for services rendered. 

Bank of America and Spirit are in business together. Without Bank of America, you can not have the Spirit card, and vise versa. Bank of America stated that their decision is final. So now I have to pay {$99.00} for a backpack that should've been Free. 

I believe this is a scam utilized by Sprit Airlines and backed by Bank of America. I have the departing and returning tickets, fees and correspondence from Bank of America. Thank you.
Consumer complaint received 2021-06-11
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. (KY)

I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX,. I never paid the following accounts late, XXXX  : XXXX  and XXXX  are not reporting this account, Equifax is reporting a payment status of 60 days late but does not provide the dates this account was late, XXXX XXXX : XXXX  is reporting a payment status of current but reporting late payments of 30 days late in XX/XX/XXXX, 60 days late in XX/XX/XXXX, 120 days late in XXXX and XX/XX/XXXX, XXXX  is reporting a payment status of current but reporting late payments of 60 days late inXX/XX/XXXX, 90 days late in XXXX and XX/XX/XXXX, 120 days late in XX/XX/XXXX and 150 days late in XX/XX/XXXX, Equifax is reporting a payment status of current but reporting late payments of 30 days late in XX/XX/XXXX, 60 days late in XX/XX/XXXX, 120 days late in XXXX and XX/XX/XXXX. The following accounts do not belong to me and should be removed from my credit file, ORIGINAL CREDITOR Account Number XXXX XX/XX/XXXXand XX/XX/XXXXis not reporting this account, Equifax is reporting an opened date of XX/XX/XXXX with a balance of {$130.00}, XXXX XXXX Account Number XXXX XXXX   is reporting an opened date of XX/XX/XXXX no balance reporting, XXXX  is reporting an opened date of XX/XX/XXXX no balance reporting, Equifax is reporting an opened date of XX/XX/XXXX no balance reporting. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information or provide proof with signatures of my agreeance to these accounts. Please help me to get this matter resolved.
Consumer complaint received 2018-07-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

Creditor received debt validation request in XX/XX/2018. Creditor responded with a statement and nothing else. Creditor requested additional information from me. It is the creditors responsibility to provide any and all information when a debt is being validated legitimately.