davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-25
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: EQUIFAX, INC. (NY)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2017-08-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

In XX/XX/XXXX we were forced to file for chapter XXXX bankruptcy to avoid foreclosure. We were found eligible and began making payments towards our 5 year plan on all our debts in XX/XX/XXXX. On XX/XX/XXXX we were granted a discharge for successfully completing our payments. But come XX/XX/XXXX our mortgage servicer claimed that we were still in arrears and now to this date we owe them {$25000.00} even after the bankruptcy was discharged. Our bankruptcy lawyer at the time was in constant communication with the servicers lawyers and on a few occasions they said we had fallen behind but when we presented bank payment documents stating that we had n't owed them any monies they would we assumed take the documents as valid and never got back saying we were wrong. We were unclear on why they waited so long to come after us for any past arrears at the very start when they noticed we had allegedly owed them money supposedly since XX/XX/XXXX when oddly enough is when the new servicer Select Portfolio boarded the loan our original servicer was XXXX XXXX XXXX. Nonetheless after thinking we were in the clear but were n't in order not to go through foreclosure again we applied for a loan modification/deferral but were only approved by the investors of Select Portfolio for a 12 month repayment plan of {$3600.00} and our mortgage is {$1500.00} and we do n't see how we can afford to make these payments without ever falling behind again on all of our bills.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (CA)

Mercedes has fraudulently reported a charge-off to the 3 credit agencies for a vehicle lease contract that was satisfied in XXXX 2019. They claim there are excess wear and tear charges I am responsible for. In spite of 8 letters to them, they have failed and refuse to send any documentation to substantiate the exact nature of the excess wear and tear charges. They sent two debt collectors after me. I asked ( in writing ) repeatedly for the same information. I received nothing. They have now reported the account as a charge off and my FICO score dropped almost 100 points because of it.
Consumer complaint received 2020-11-16
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: Experian Information Solutions Inc. (CA)

On XXXX I sent a letter regarding inaccurate and unknown accounts reporting to my credit report, over 60 days I have yet to receive a response on investigation. At this stage in the process my anxiety has grown ; feeling that my disputes have been ignored. Section 611 ( a ) of CFRA plainly states that a failure to investigate these items within 30 days gives reason to immediately remove items from my credit report, it has been over 60 days and the disputed items should be removed promptly. I demand these accounts be deleted immediately or I will be filing for litigation due to the stress/anxiety caused. Also, my personal information was subject to being compromised in the XXXX  data breach and possibly placed in the hands of individuals with ill intentions.
Consumer complaint received 2016-05-18
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: DISCOVER BANK (FL)

I get a judgement on my credit report filed by Discover Bank that I was not notified of. I request this illegal action to be removed from all my credit bureaus in a 5 days turn around. I completely disagreed with the method Discover used to put a judgement against me without any notification.
Consumer complaint received 2016-06-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (KS)

UAC/Carhop harasses people everyday even after they talk to them. They also sell cars that have problems from the get go and wo n't fix. I am only 18 days behide and get calls or emails everyday even though I have spoke to them. I explained the reason for it and they come up with every excuse in the book.
Consumer complaint received 2020-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2023-01-27
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. (DE)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX & XXXX Account # XXXX have 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-05-01
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: ONEMAIN FINANCE CORPORATION (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2017-07-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Would really appreciate it if Huntington Bank would partner with XXXX. I use XXXX XXXX a lot for pay day advance. It takes a long time because they say my bank ( huntington ) has to send my transactions. XXXX implied that it may help if huntington partnered with them!
Consumer complaint received 2020-08-28
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. (NC)

On XX/XX/XXXX, my husband and I mailed letters to the credit bureau, asking them to investigate and correct errors that appear on our credit report. They are required, by law, to respond with the results of our investigations within 30 days. Today is XX/XX/XXXX, and we have yet to receive our response.
Consumer complaint received 2022-04-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC (NY)

Creditor includes interest amount into balance, when interest is deferred under promotional financing. 

There is no separation of the amount owed and the deferred interest. 

All you get is the total balance. Creditor refuses to acknowledge dispute on account.
Consumer complaint received 2018-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

I am writing today in hopes to gain your help. Currently I am working on reviewing my credit, paying down my balances, and working toward greater credit worthiness. You play a significant role in this process. I am asking about the account number referenced in this complaint. I see you have reported me 30 60 90 days late to the credit bureaus ( XXXX, XXXX  and XXXX  ) between XX/XX/XXXX and XX/XX/XXXX and I am submitting this in order to get this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly think of, is that my statement didn't get to me in time.
Consumer complaint received 2024-05-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (LA)

CFPB Complaint against IC System Collection Agency Violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Consumer Financial Protection Bureau ( CFPB ) : I am filing a complaint against CFPB regarding debt collection practices by IC System, a collection agency they are allegedly working with. 
Nature of Complaint : I am unaware of the debt in question from CFPB. 
I have not been given a fair opportunity to dispute the validity of this debt. 
If CFPB believes they provided proper notification of the debt, I request a copy of the certified receipt with my signature confirming receipt. 
IC System 's Collection Practices : IC System has been contacting me about this debt. Their collection actions have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) because : I was not informed of my right to dispute the debt. 
I have not received a written verification of the debt ( debt validation notice ) as required by law. 
Request : I request that the CFPB investigate this matter and take necessary action against CFPB and IC System to ensure they : cease all collection activity until the debt is validated ; provide me with a written debt validation notice ; allow me to dispute the debt ; and remove any inaccurate information about this debt from my credit report. 


Supporting Documents Proof of address and ID Please Note : You have XXXX calendar days to respond
Consumer complaint received 2023-01-27
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: EQUIFAX, INC. (DE)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX & XXXX  Account # XXXX have 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (ME)

I have a federally backed convention mortgage. XXXX XXXX holds the note. 

On XX/XX/2020 I wrote to RoundPoint Mortgage Servicing to request mortgage forbearance under the CARES Act ( HR 748 ). I certified that my wife and I " are experiencing a financial hardship caused by the COVID-19 emergency. '' I then specifically requested that RoundPoint put our loan on forbearance for 180 days, and that the deferred payments NOT be made due in lump sum at the end of the forbearance period. See CFPB ( https : //www.consumerfinance.gov/about-us/blog/guide-coronavirus-mortgage-relief-options/ ) In response, RoundPoint sent an  email on XX/XX/2020. The response indicated that RoundPoint would not honor my request under the CARES Act. In fact, the email required me to take additional steps of going to the RoundPoint website ( the URL of which, interestingly, was not included in the email ) to " request a temporary COVID-19 Forbearance Plan. '' Although I do not believe that email to be a valid response under the CARES Act, I honored the request and filled out the forms on the website. At the end of the form, Roundpoint offered to put the loan in forbearance for 90 days, with the forbearance payments due in a lump sum.

That option is not what we are entitled to under the law. It appears RoundPoint is trying to divert borrowers into the less favorable terms of its own forbearance program. I do not accept that " solution. ''
Consumer complaint received 2024-05-13
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NJ)

My original mortgage lender was XXXX Mortgage XXXX XXXX ( XXXX ). I signed my Note and gave it to XXXX on XX/XX/XXXX. XXXX went out of business on XX/XX/XXXX. XXXX did not indorse the Note to any party and XXXX did not assign the Note to any party. Chase Home XXXX XXXX ( Chase ) took over the mortgage servicing while it was a stranger to my Note and while not paying the XXXX its share because XXXX did not exist. I made monthly mortgage payments to Chase until XX/XX/XXXX. Due to the XXXX of XXXX, I lost my job in XX/XX/XXXX I was not able to pay Chase. On XX/XX/XXXX Chase forged a mortgage assignment from XXXX to Chase. and based on that filed a Foreclosure Complaint on XX/XX/XXXX in the XXXX XXXX XXXX XXXX XXXX NJ, On XX/XX/XXXX XXXX. XXXX XXXX from the NJ XXXX XXXX XXXX XXXX suspended the Complaint of XX/XX/XXXX and ordered Chase to remove the forged mortgage assignment of XX/XX/XXXX to cure the deficiencies and re-file. Chase violated that XXXX of XX/XX/XXXX, and instead forged XXXX more mortgage documents and sold it to XXXX XXXX XXXX XXXX ( XXXX ) sometime before XX/XX/XXXX. XXXX hired a local notary public to forge my signature on a so-called HAM Agreement of XXXX. On XX/XX/XXXX the Note was already time barred based on NJSA XXXX ( b ). On XX/XX/XXXX XXXX filed the second foreclosure complaint based on the time-barred Note and the recycled forged mortgage assignment of XX/XX/XXXX. XXXX was a debt collector by filed the foreclosure complaint as a mortgage lender and servicer. without being a secured creditor. I sent FDCPA XXXX XXXX letter to XXXX in XXXX of XXXX they ignored it. XXXX sold the alleged debt to XXXX XXXX XXXX ( XXXX ) in XXXX of XXXX. XXXX sent me a FDCPA XXXX XXXX XXXX on XX/XX/XXXX and I denied it and asked for validation. XXXX replied that they would validate the debt and get back to me and I am still waiting. XXXX was a debt collector and was trying to collect on a time-barred debt. In XXXX of XXXX, XXXX sold the alleged debt to XXXX XXXX Mortgage Servicing ( XXXX point ) and XXXX XXXX XXXX XXXX XXXX XXXX Bank ). On XXXX/XXXX/XXXX sent them FDCPA XXXX XXXX Letters, and they replied that my case was complex and they would get back to me. I never heard from them, On XX/XX/XXXX I sent them both FDCPA Cease and Desist Letter. XXXX point continued sending my mortgage statements on a time-barred Note. XXXX point is a debt collector not my mortgage servicer. XXXX Bank is a debt collector, not the owner of my mortgage. The owner of my mortgage was XXXX and now the Note is time-barred. I request that both leave me alone and stop harassing me.
Consumer complaint received 2021-02-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (DC)

To reduce our monthly mortgage and possibly access an equity line of credit advertised by our servicer 's lender affiliate, XXXX, I started the process of cancellation of PMI by contacting the mortgage service, LoanCare, and asking they send me instructions in XX/XX/XXXX. Having not heard anything, I called LoanCare on XX/XX/XXXX and they emailed me an electronic copy of a letter dated XX/XX/XXXX ( which I never received in the mail. ) Following the instructions in the letter on how to cancel PMI, I sent a check to LoanCare to pay for the needed appraisal of my home in the amount of {$520.00}. My bank statement shows that LoanCare cashed the check ( XXXX XXXX, Check # XXXX XXXX on XX/XX/XXXX. Having not heard from LoanCare since XXXX, I tried to get a status update earlier this month. I called multiple times, and spent several hours, calling on XX/XX/XXXX and XX/XX/XXXX, the toll-free number ( XXXX ) printed on the XXXX letter. The toll-free number continuously looped through a series of pre-recorded prompts and account information, like my last mortgage payment amount and my next payment due date, none of which had anything to do with cancellation of PMI. There was no PMI option. When I followed the prompts for options like refinancing or filing insurance claims, knowing they were not relevant but wanting to at least hear the voice of a live person on the phone who could help me, these XXXX live operators ( including XXXX in refinancing and XXXX in Claims ) " transferred '' me back to the servicer, LoanCare, or gave me other toll-free numbers for LoanCare ( including XXXX and XXXX ). The transfers and trying additional toll-free numbers sent me through the same continuous loops of pre-recorded prompts and account information with no options for PMI. After several frustrating hours, I gave up trying to get a status update on my PMI cancellation request.
Consumer complaint received 2020-09-11
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 — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/2020 I purchased some XXXX XXXX components from Amazon. One was ordered by me incorrectly and I received an authorization to return it and order the correct one. This I did and Amazon notified me that they had received my return and had shipped the correct item. The transactions took place using my Chase Bank Amazon VISA card. 
I received my Chase Amazon card invoice in XXXX and did not see the credit for the returned item and wrote Chase a letter on XXXX regarding this matter. Copy enclosed as first attachment. 
Upon receiving my Chase Amazon card invoice for XXXX, the credit was missing but interest on the disputed charge was included. I therefore sent a certified letter to Mr. XXXX XXXX, copy enclosed as attachment 2, and included my check # XXXX in the amount of $ XXXXwith an appropriate explanation in the letter. The USPS submitted to me signed hard copy indicating receipt of the letter by Chase. To this day the check has never been cashed, however. 
Subsequently, the Chase Amazon card invoice for the following month was in error and I therefore wrote a second certified letter to Mr. XXXX dated XX/XX/2020. A copy of this is provided as attachment # 3. Once again the USPS also provided me with signed hard copy indicating receipt of the letter. Also this time check that I included to pay the accepted charges was cashed. 
I received on Saturday evening XX/XX/XXXX at XXXX XXXX  a broken up voice mail from a lady in the " executive office '' of Chase. A month later ( XX/XX/XXXX at XXXX XXXX ) I received another voice mail this time from from XXXX in the executive office. While this one was clear enough to understand, I did not respond to either voice mail as I prefer to conduct business in writing where proper thought can be given before responding and fewer misunderstandings occur. I felt that having sent several letters this would be understood by any responsible party particularly given the complexity of this dispute. 
With no written response from Chase, I learned that Chase reported me to the credit reporting agencies and my credit score dropped from the 800s where it has been for as long as I can remember to the low 700 's. Then on XX/XX/XXXX they sent me notice that they were reducing my credit limit on my other Chase card to {$500.00}. While not certain, I believe it had been somewhere between {$10000.00} and {$20000.00} prior to this slap on the wrist. 
I have followed XXXX XXXX 's career prior to his going to XXXX XXXX  and, while I really did not expect these letters to actually reach him, I believe he would be extremely distraught to learn of the actions - or lack thereof - of his " executive office '' staff.
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (MI)

I have contacted the Holder of my dept of education loans several times as well as the credit bureaus regarding ECSI Federal Perkins Loan Servicer inaccurate reporting of my account information. ECSI send paper billing with a balance of over {$7000.00} and a principle of {$5400.00}. Every month for over 2 years I send my payments in the amount paid has never been reported to the bureaus as a payment and reports as 0 % of my XXXX loan paid off. This is affecting the accuracy of my credit report. I, in turn, requested that ECSI send me a breakdown of my account and demanded they reported accurate payment history as well as balances. Because of this, multiple late payments reported to my credit report. It is obvious that my request was ignored as I have not seen any changes to my credit report. This is an obvious and blatant disregard for the Fair credit reporting act as well as my right to a fair and accurate report.