davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-10
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: MOHELA (MN)

In accordance with the Fair Credit Reporting Act, MOHELA/XXXX has violated my rights under 15 USC1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604ASection 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card accounts under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-10
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: ZIONS BANCORPORATION (WI)

On XX/XX/2020 and XX/XX/2020, Zions First National Bank executed hard inquiries on my credit report without my consent. I have no dealings with Zions First National Bank, nor did I authorize them to place these hard inquiries on my credit file. I sent a letter via First Class Mail on XX/XX/2020 asking to cease inquiries. I called them on XX/XX/2020 to ask and was not provided a clear explanation of why or how these inquires are repeatedly being executed on my credit report.
Consumer complaint received 2016-04-21
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (RI)

I used Ebay to buy an item. I never received and email seller. Item never shipped per XXXX. I called them to confirm. Seller stated item came back to him damaged but never wrote me. By the time I wrote him I had to buy item locally. I submitted a complaint via their site weeks ago to PayPal. I called after some time passed and was told I would be refunded on XXXX. Never happened. I tried calling twice - both XXXX and XXXX - and sat listening to a recording looop over and over telling me to go to their site for " claims '' The Claims portion of the site tells you NO INFO. the text is tiny and is basically a run around. PayPal states " they have your back '' and seem not too. All they have to do is call XXXX or track the ship # the shipper gave. It NEVER LEFT the building. It never was returned " damaged ''. My money is in limbo for over a month. 

Thank you, XXXX Transaction Details XXXX XXXX Payment Sent ( Unique Transaction ID # XXXX ) Shopping Cart Contents Qty Item Options Price XXXX XXXX XXXX XXXX XXXX XXXX '' XXXX XXXX '' With XXXX ( Price Is For Pair ) Item # XXXX {$15.00} XXXX Amount {$15.00} XXXX Order Description : Shopping Cart Item Total : {$15.00} XXXX Sales Tax : Shipping : {$6.00} XXXX Seller discount or charges : {$0.00} USD Total amount : - {$22.00} XXXX Fee amount : {$0.00} XXXX Net amount : - {$22.00} XXXX Date : XXXX XXXX, 2016 Time : XXXX XXXX Status : Completed Shipping Address : I took this out for complaint transfer to CFPB! 
United States Confirmed Help Payment To : XXXX XXXX XXXX The recipient of this payment is Verified ) Seller 's ID : phin-rich Seller 's Email : XXXXXXXXXXXX XXXX Type : PayPal Funds Funding Source : {$22.00} XXXX - PayPal Account Tracking Number : XXXX Help Carrier : XXXX Order Status : Shipped ( XXXX XXXX, 2016 )
Consumer complaint received 2015-10-07
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO. (NY)

Current HE Loan with Chase was coming to term. Property address is XXXX XXXX XXXX XXXX NY XXXX. We began the refinance of the loan if mid XXXX. Chase rep is XXXX XXXX XXXX XXXX XXXX. Chase was given all of the documents requested and that was fulfilled by XXXX. During the month of XXXX XXXX called to state there was a " missing payoff from when the original mortgage was with XXXX Bank which was taken over by XXXX BANK. She has contacted them and they found the loan was satisfied and will expedite the information to them. This will take 7-10 business days. '' She informed us that she is remaining in contact with them. On Wednesday, XXXX XXXX XXXX left a voice mail stating " TD has not sent the information they said they would. The existing balance of {$130000.00} is due from us by Wednesday XXXX XXXX and there is nothing they can do. '' When contacted and told we were never asked to obtain that document and in fact we were told we satisfied the request for all materials, she stated it is not Chase 's job to get the loan satisfaction and they were doing us a favor. 
I called TD Bank today and finally spoke to XXXX XXXX is mortgage servicing. He was extremely helpful. He stated there is no request from anyone at Chase and he even had his supervisors look into it. We placed a conference call to XXXX XXXX at XXXX and she did not pick up. XXXX XXXX left a detailed voice mail and told her to contact him asap and she could email her request since one is on file.
Consumer complaint received 2022-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (DE)

XX/XX/2022 I again received a letter regarding a account which I have asked them to show me a signed credit application and they fail to do so. They request I pay {$2500.00}. I have no recollection of this account. At the bottom of this letter it states " The law limits how long you can be sue on a debt. Because of the age of your debt, we will not sue you for it. If you do not pay the debt, we may continue to report it to the credit agencies as unpaid. 


I have requested three times they prove this is my debt. I get notice back asking or telling me they are not sure what I have asked for. I have clearly asked for a signed application of this debt. I did not take out this card. I have no idea about this card. I have asked them to stop since they fail to show me that proof.

However again today the letter has arrived. I want this gone. It is a old a debt. It is not even one they can seek money for as it is over the limitations. I have no proof it is mine and the fail to show. What do I do?
Consumer complaint received 2022-08-15
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

On XX/XX/XXXX, I closed the refinance of my home with XXXX XXXX XXXX ( XXXX ). XXXX was my mortgage broker, holder, and servicer. As I do with any loans I have, I setup automatic payments to ensure that I have consistent timely draws on my account and am never late on a payment. My perfect credit for not having any late payments or any other derogatory item on my report for over 15 years was a reflection of that. 

On XX/XX/XXXX at XXXX, I reluctantly answered a call from an unidentified phone number ( XXXX ), which my carrier ( XXXX XXXX XXXX XXXX labeled as Spam Risk. On this call the person claimed to represent Carrington Mortgage Services, that Carrington was now the servicers of my mortgage, and that they havent received a payment from me in 6 months. This information was quite flabbergasting, as I had never heard of Carrington Mortgage Services until then and in this alleged 6 months I never received an email from XXXX or Carrington about the change in servicing, received no certified letter, and no voice message was ever left. On a random happenstance that I answered this particular spam call, of which I receive and ignore as many as 10+ different spam calls a day, I find that I am now in the rears on my mortgage and needed to pay 6 months of mortgage payments all at once. Luckily, I was able to maneuver my finances and scheduled this payment for XX/XX/XXXX. As of XX/XX/XXXX, my account showed that that payment has cleared. 

Over the 15+ years I have owned this home, my mortgage has changed hands many times. The original mortgage changed hands three times, first refinance changed hands twice, and now the second refinance twice. In all of those transitions, except this one, I was contacted successfully and the transition was relatively painless. In the world we live in today, spam calls are at epidemic levels and the influx of mortgage related spam mail after a mortgage is filed is quite heavy and persists for a year or more. Hence, calling from an unidentified number and sending plain mail is insufficient and frankly unacceptable, especially considering the magnitude of a mortgage. Carrington 's communication policies are insufficient for the current time and climate in which we are living in.

Carrington 's insufficient communication has resulted in an accumulation of late fees and derogatory reports to my credit report without prior communication that a debt was owed to begin with. I contacted Carrington and submitted a dispute through their process. They responded that they would not correct the credit reporting or adjust the late fees. As I understand it, this type of institutional behavior is the very reason that the Consumer Financial Protection Bureaus ( CFPB ) and the Debt Collection Rules as defined in the Fair Collection Practices Act ( FDCPA ) XXXX XXXX, XXXX were created. It is my belief that Carrington has violated the FDCPA by reporting without sufficient notice inflicting undue harm on the consumer.
Consumer complaint received 2020-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I raised disputes for this inaccuracy more than 35 days ago, and there has been a failure on your part to notate them as disputed. The absence of notations is unacceptable. According to 15 USC 1681s-2 ( 3 ), this items must be promptly removed from my credit report.
Consumer complaint received 2022-02-07
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: LEXISNEXIS (GA)

Pursuant to 18 U.S. Code 1028A, Lexis Nexis has committed aggravated identity theft against me as they have obtained my social security number, birthdate, addresses, phone number, and alleged information from creditors including transaction history. I never provided Lexis Nexis with this information and plan to report them to the Federal Bureau of Investigation for aggravated identity theft, computer fraud, wire fraud and mail fraud. 

Pursuant to 15 USC 1681a, no investigative reporting on the accounts I have requested be deleted is needed as the only person who can confirm their accuracy is me, the consumer. I am attesting that none of the accounts I have requested be deleted are accurate.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2020-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CA)

The phone bill was in my name for my deceased mother in law. I have contacted both AFNI and XXXX  to pay the {$200.00} because this collection is negatively affecting my credit. Ive wanted 2 months for someone to contact me back and no one has! I have had XXXX cooperation to try to take care of this debt.
Consumer complaint received 2015-04-09
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have an FHA mortgage with Bank of America and I have been begging them for the last 3 years to refinance my mortgage. They sent me a XXXX page application to fill out which I did and then faxed it to where they told me to. I am in the midst of a XXXX and my wife, very soon to be XXXX, wants no part of the house as I am so upside down with it. The bank is telling me that since her name is on the original mortgage -- -although she was unemployed and made no contribution financially to the mortgage when we got it -- -they insist on all her financial information and will not move on the application for the refinance. I am between a rock and a hard place as I have just recently retired ( XXXX/XXXX/15 and am now living on Social Security and a State pension. I am at 5 and 1/8 % and I know they can do much better than that but they are completely at a stand still in the process and I am getting no relief from them whatsoever. If you could help me I would be exceedingly grateful. Thank You in advance.
Consumer complaint received 2015-09-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I spent several months working with Bank of American trying to get a deed-in-lieu approved for a property in a different state that I can no longer afford to keep. I spent considerable time with them on the phone and sending them documentation. It took me too long and too much time sending the documents to them over and over and right when I received the notification that my deed-in-lieu was approved and I had signed legal paperwork to get the closing done, Bank of America sold my loan to another company. This other company, XXXX XXXX XXXX, has sent me many, many pieces of mail requesting payment for the past due amount, then explaining loan modifications to me, and finally notifying me they are considering my loan for a deed-in-lieu and wanting me to send in more paperwork to them. The previous months with Bank of American never happened and the entire process starts over.
Consumer complaint received 2020-10-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I am beyond furious and I pray to XXXX that you can help get this letter to the bureau. I've sent numerous letters and was never notified of the results. The dates are XXXX and XX/XX/2020. Unfortunately, it's been over 60 days and I'm pretty positive that this violates my consumer rights!!! CFPB Please help with this issue!!!! I have the FTC following responses closely.
Consumer complaint received 2021-04-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I've contacted then on multiple occasions. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX and they continue to tell me 2 accounts on my profile is legit and was updated. But each time they do not update any information. I have contacted both creditors on the accounts and they tell me they no longer have my information or they can not find my information. So I am trying to figure out how are they getting information from the creditors when I can't get information from then.
Consumer complaint received 2017-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (AZ)

For a long period of time, I have used my amex cards for general purposes. this included purchases of services and goods. Sometimes, it also included using such services as XXXX by XXXX and XXXX. Nobody ever contacted me suggesting me that such was wrong. In fact, both XXXX and XXXX allow for the use of Amex without any restrictions. 

Of late, I made a number of XXXX transactions to pay employees of our company XXXX XXXXt XXXX. this was done without issue, and I often used Amex as my source. I did more of these transactions last week. On Sunday, with no notice, Amex cancelled my card. I called to find out what was happening and I spoke to a number of different reps. Before speaking to the main rep in charge, it was made clear to me that the reason for this was my use of XXXX, as amex said that it was prohibited under the Cardholder agreement. I looked at the Agreement, which I have included, and there is no such prohibition. 

Today, I spoke to rep XXXX XXXX, id XXXX. She confirmed that the accounts were shut down because of my use of XXXX. She specifically stated that it was because I used it to XXXX on two transactions, one to XXXX XXXX and XXXX XXXX. XXXX is my daughter. She is also an employee, and any transactions made in favor of XXXX were in the context of her as an employee. I can provide absolute proof of her status upon request. With respect to XXXX, that was n't for business purposes. Rather, it was to facilitate a purchase that she was making. 

After these items were explained to XXXX, she advised that I also had certain payments that were returned. That was correct ( and I actually advised her of this in advance ). They were from a business account, where someone failed to transfer money in a timely fashion. All of those items immediately cleared thereafter. After that was explained to XXXX, she advised that I had a couple of returned items on my blue card. I explained to her that I had attempted to change payment banks on that, and when the switch was made ( i no longer use the first account ) that issue went away. Then XXXX looked back to XXXX and said that part of the reason related to the return in XXXX. Amex already improperly cancelled me for this and I was reinstated, so it is far from good faith for them to raise the issue now. 

I will note that when I spoke to a person last evening prior to speaking to XXXX, he was very clear as to the issue i.e. the XXXX and stated that he understood my position, which should result in the return of the card. 

I circled back at the end of the call. XXXX reiterated that the reason and only reason that the card was cancelled was because of the XXXX use. With respect to XXXX, there is no basis at all for amex to even have an argument. With XXXX, before Amex goes about closing an account, maybe they should address the issue in their own contract documents. And maybe they could have made a courtesy call to me.
Consumer complaint received 2015-06-19
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (MI)

This debt is a result of me co-signing a student loan. They call allday long. If you do answer they demand personal information ( last XXXX of ss # plus date of birth ) before they tell reason for call, When I refuse to provide info over phone they hang up and call back within a hour. I have repeatedly ask them to stop calling. I 'm not avoiding the debt, they always get paid. I just do n't want to be harassed.
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I believe I have frozen my credit with Experian. Now I need to unfreeze my credit

and Experian does not provide any good way to do that. I called their customer service line and there is an endless circular phone tree. The tree doesn't let you remove a freeze, only place a freeze. There is no option to speak to a real person. It seems like they want me to pay for a service. If there is a fee, then let me know. There is just no obvious information. The online way didn't work. The phone didn't work. I dont ' know what to do now.
Consumer complaint received 2020-10-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent multiple dispute letters to the bureaus challenging a Bankruptcy that is reporting inaccurately. Date of filing and Reference / Case number is wrong and is reporting wrong. Bureaus are reporting Case No XXXX but I'm seeing something completely different. Please help us get this resolved. Attached are the bankruptcy documents
Consumer complaint received 2022-08-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (NC)

XXXX XXXX has told me they are going to leave this bogus data they reported to the credit bureaus and hung up the phone thus damaging my credit, further, XXXX XXXX  is breaking the law by reporting false and malicious data on my credit report and have told me they work for the government and I have to pay this bogus collection or go to jail. I Would like an investigation so XXXX XXXX can be charged for false, malicious, and continue to, on going false reporting of the collection entry by save green storage on my credit report. Please open a criminal investigation and you will see the evidence on the attached documents. I will continue to dispute and ultimately see are going to sue XXXX XXXX a known company for deceptive practices and the evidence is amounting.