davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

Hi, Department of EducationXXXX XXXX is reporting inaccurate information on my credit report. There are XXXX loans reflecting the dates of XXXX  and XXXX. That is still appearing on my credit report with all XXXX  credit bureaus. I have disputed this numerous times and Dept of Education keeps updating over XXXX loans. This is affecting my credit and putting a hindrance on my purchasing my XXXXXXXX  and XXXX  a new home. Please help.
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

In XX/XX/2021 I disputed Public Record information on my consumer report under FCRA requirements of 15 USC 1681 ( a ) ( 4 ) accuracy and fairness of credit reporting. Consumer reporting agencies have a GRAVE responsibility to report fairness, impartiality, and a respect for the consumers right to PRIVACY. However Experian refused to provide me with my rights as a consumer a method of verification. I then recorded a call with Experian on XX/XX/2021 and asked for their method of verification under the requirements of the FCRA, I was told that information was not available and I can dispute the error again. Which Experian did not reinvestigate, they just sent me the previous investigations results. Experian has broken several FCRA violations. Experian did not submit nor forward any of my documentary proof to any furnisher because XXXX  technology limitations do not permit authenticity of consumer documents and PRIVACY CONCERNS. I have taken on this investigation and I have proof that USBK COURT did not and does not sell information to data furnishers. However, XXXX XXXX does sell and purchases bundled data which is how errors get reported. XXXX XXXX admitted the error and removed the error. Experian NEVER INVESTIGATED my bankruptcy dispute which is a violation to my consumer rights. Please show your documentary evidence since you have it and its verified otherwise 15 USC 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishings knowing there are errors.
Consumer complaint received 2021-05-12
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: EQUIFAX, INC. (NY)

Hi, I have been disputing erroneous accounts since XX/XX/XXXX of this year and I have NEVER received a response from the credit bureaus, I don't know why. I have read that I have the right to dispute this information with them and that I am not breaking any law. Now because I have so many months and they do not answer me, it is a lack of respect that they ignore me like this.
Consumer complaint received 2022-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WI)

Escrow Errors : Based on the escrow analysis dated on XX/XX/XXXX, my monthly payment will increase from {$2400.00} to {$3100.00} due to an increased in both escrow amount and anticipated shortage, with the total amount of anticipated payment increasing from approximately $ 8000/year to $ 16000/year on a property with a value of approximately {$300000.00}. Upon review of the breakdown, I noticed that the anticipated escrow amount is erroneous due to duplicated annual property tax. 

I have contacted customer service since XXXX multiple times via phone and email regarding the issue, and was advised by various customer service agents with various information without an outcome. I have been instructed to email then fax the related tax information to the company without confirmation of receiving as of XX/XX/XXXX. In fact, none of the agents were able to understand from their own system where my status of escrow analysis is, and whether the provided property tax records were received. I was informed that their escrow department does not have an email or phone number and all communication must go through regular mail or fax. I have received multiple letters from the company regarding the increase in monthly statement to {$3100.00} without any information on either acknowledgement or any correction effort of the erroneous escrow estimate, and my account as XX/XX/XXXX still displays {$3100.00} as payment due on XX/XX/XXXX. 

It is worth noting that writing to the company regarding any account error, although indicated as the only method to contact the company regarding this issue on the monthly payment, was never mentioned by any of the agents as a " must '' or even a solution, and I was repeatedly discouraged from frequent follow-up and advised just to wait. It is very unclear with this type of system setup how this company is able to comply with 12 C.F.R. 1024.35.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion Complaint # XXXX response on XX/XX/2019 has errors in which balance not updated as well as incomplete pages sent by them the last 2 times. I need a complete report with all the pages. I did not ask for a credit score I ask for a complete credit file. In the past Transunion adds address or has wrong incomplete employment information. I have been threw Transunion time after time as employment ion which has been the same for several years. I also have issues how Transunion adds address I do not live at or can they provide proof to where I live. I need a complete report with all the pages. Stop playing games sending few pages. Promotional I block and your still doing it. As to your response on XXXX2019 is  base on missing pages
Consumer complaint received 2022-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Oregon Credit Service, Inc. (OR)

1 ) Unknown utility bill XXXX 2012, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Tenant occupied. 
2 ) City bills wrong address. City was provided all correct contact information for hook-up, and billing. They choose to bill service address, not billing address, 3 ) County tax records reflect actual billing address, owner on record ( me )! 
4 ) City never attempts to correctly bill ( see their record ) 5 ) Sends to collection agency - Southern Oregon Credit 6 ) Southern Oregon Credit NEVER makes an attempt to mail, call or notify of balance. NEVER. Note again - county tax records are accurate - address, phone, etc. 
7 ) Southern Oregon uses Oregon Tax Refund to settle a debt, I never knew about, nor was EVER notified of, at ANY TIME. 
8 ) Southern Oregon Credit tags on XXXX to a XXXX bill! 
The MONEY IS NOT THE ISSUE. A business, let alone a CITY should collect accurate information about their customers, and then PROPERLY notify them of an outstanding bill/debt. 
A collection agency should know FAIR CREDIT PRACTICES- proper notification of outstanding debt providing an opportunity to CONTEST or settle a debt. I WAS GIVEN NO, NOT A SINGLE OPPORTUNITY to address this.
Consumer complaint received 2022-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Real Time Group, Inc. (SC)

They sent a collection letter pertaining information from I do not know where and trying to use to coerce a payment which is against federal law. This is identity theft If I have no business with this company then should not be contacting through any medium.
Consumer complaint received 2022-01-22
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: Experian Information Solutions Inc. (TX)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-01-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: FIRST NATIONAL BANK OF OMAHA (KS)

Dear XXXX, On XX/XX/2021, I had my bank, First National Bank of Omaha located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX to send a international wire transfer to my sister XXXX XXXX XXXX  XXXX in XXXX, XXXX in the sum of {$1000.00} ( XXXX XXXX dollars ), I paid my bank a wire fee in the amount of {$25.00}, which I have no problem with that {$25.00} fee. 

However, the funds were never delivered to my sister for some odd reason my bank say with the XXXX code, but when my bank, First National Bank of Omaha put the funds back into my account, it was only in the amount of {$880.00}, which is {$110.00} less than my original amount of {$10000.00}. When I complained to my bank representative and to the president of my bank, they refused to refund me my full {$1000.00} claiming that XXXX had someway taken the missing {$110.00}, which I think is Unfair, since the funds was Never delivered to my XXXX  bank in XXXX, XXXX, so no service was rendered to me to account for my missing {$110.00}.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rigths to privacy and confidentiality under 15 usc 1681. 

The accounts below have violated my rigthts 15 u.s.c 1681 section 602 A. States i have the rights to privacy. 

15 u.s.c 1681 Section 604 A section 2, It also states a consumer reporting agency canoot furnish a account without my written instructions 15 u.s.c 1681 c. a ) 5 Section states ) no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adeverse tem of information, other than records of convictions of crimes which antedates the report by more than seven years 15 u.s.c 1681 s-2 A ) 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 Delete the accounw below 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 XXXX XXXX
Consumer complaint received 2016-01-29
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Specialized Loan Servicing Holdings LLC (NY)

My attorneys and I have been trying to complete the sale of my home. We have been unable since 2015 due to the fact Specialized Loan Service refused and stated to us that Intervening/Mortgage assignment documents does n't exist leaving us with no option but to sit and continue to accumulate unfair fees and SLS lawyer and other fees. When my attorney asked XXXX and her supervisor for SLS attorney information they stated that they could not provide that to him. I have spoken to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and several other agents. My information continues to be passed and ignored. Today, instead of the mortgage assignment documents being sent to me. I received the mortgage assistance documents not what I asked for. I am a recently divorced mother of XXXX kids with no income due to a medical illness. I need to sell in order to care for my family, bills and my XXXX.
Consumer complaint received 2016-03-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (NY)

I am trying to get a loan modification threw SLS loan services. And I am having nothing but trouble, they have included taxes that I have paid into my escrow account. I have sent in receipts showing these taxes paid and no one does anything exept threathen me with foreclosure. I am behind stressed out and I honestly do not what to do.
Consumer complaint received 2022-03-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Metrolina Credit Co. of Burlington, INC. (NC)

I purchased a cehicke i n XXXX ; XXXX XXXX XXXX  about {$1300.00}. After three years I still ocw almost {$5000.00} and I went to my bank to refinance the vehicle to lower the payment and discovered that I was charged 100 % financing rate when the documents say 20 % interest. This loan compant is violating NC usury laws and overcharging on loans. They also stopped reporting payments to the credit bureau likely to hide the fact that I have been paying {$450.00} for over three years, almost four now. My credit union said that I should report the problem
Consumer complaint received 2022-01-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (TN)

Credit Bureau Systems never verified the debt nor did they produce an agreement that authorized the company to collect on alleged debt. It is a violation to 15 usc 1692f ( 1 ) and considered unfair practices to claim that a consumer owes a debt without the proof of an authorized agreement. I am challenging CBS to provide the agreement under penalty of perjury. Credit Bureau Systems said that they would honor my cease and desist order for ALL communications, but the company stated that reporting to consumer reporting agencies wasn't considered communication. As a debt collection agency, Credit Bureau Systems should be aware that communication is defined in the FDCPA as the conveying of information regarding a debt directly or indirectly to any person through any medium. Isn't CBS conveying information regarding an alleged debt to a person or persons known as a consumer reporting agency through a medium known as my consumer report? This is a violation of the FDCPA under 15 usc 1692c ( c ). CBS also said that another company " referred '' the alleged debt. I challenge CBS to provide proof of this " referral '' under the penalty of perjury. I would like to bring to CBS 's attention and for the record. According to 15 usc 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Because of CBS 's failure to follow my cease and desist order and their multiple acts against the FDCPA, I will be pursuing remedy for all injuries against me pursuant to 15 usc 1692k.
Consumer complaint received 2022-01-22
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. (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 Equifax 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 Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2021-05-12
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: CITIBANK, N.A. (AZ)

I have been a victim of identity theft. I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately! 

1. The following account is not mine XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. The following account is not mine XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2019 Please investigate and delete from my credit report. 

4. The following account is not mine Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (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 Experian 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 Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2015-04-30
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (MO)

I as paying an interest only mortgage with XXXX who sold the mortgage loan to Specialized Loan Servicing LLC. I called them in XX/XX/XXXX to request a XXXX fixed mortgage since the principle of my loan was {$50000.00} and it never decreased after paying 10 years. I was denied a modification because I had never missed a payment. I thought that was crazy so I resubmitted it. They began returning my payments which forced me to miss payments. I was so frustrated with calling there and being talked to like an XXXX I hired XXXX XXXX to help me. XXXX was able to work out a modification where I was in a 30 year fixed but they hurt my credit with the missed payments! I was now back to paying 30 years of interest as if I never paid the 10 years. I made my payments every month on time for 10 months then they sent me a statement with an additional {$110.00} charge added to my mortgage payment. I called and was told to fax in my problem and to send in my normal payment. I sent in my payment less the {$110.00} charge. I received a letter stating the {$110.00} was an error and would be corrected. When I received my statement for the next month they had not applied my payment, it was sitting in unapplied funds and they were requesting double the amount that I owe monthly. I called and was told my payment was not paid in full so it would not be applied. I explained that I did make my normal payment as instructed to do so but not the {$110.00} that was put on my account in error. So once again I only paid my normal payment for the month. This went on for 3 months. I thought their system would finally see I was not behind in my payments because the money was sitting there in unapplied funds but no such luck. I called in XXXX and they told me that since this all happened in XX/XX/XXXX there is nothing they can do. So I have a mortgage payment sitting in unapplied funds that will never be applied to my mortgage because they overcharged me {$110.00}. When I called in XXXX I was told I was 3 months behind when I have NEVER missed a payment. My statement shows I owe them over {$1500.00}. In XXXX I decided not to pay them to see if they would apply the mortgage payment that is sitting in unapplied funds. I feel they want to force me into a foreclosure. Since I just do n't have the money to hire XXXX again, I had just given up until an agency called XXXX XXXX suggested I contact your agency.