davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (KS)

I received notice from my employer that she received a unemployment request by me and had my person information. I am not unemployed! My employer and I followed up with XXXX with the information that I did not request any unemployment. I followed up with Equifax due to I was included in the breach that occurred in 2017 and requested monitoring services. After speaking to several staff there I received report that until the appeals in court are processed I will not receive any monitoring. Asked to file a complaint within the company and had problems getting to supervisor. After talking to supervisor, it took me sometime to get him to file a report. He provided the # and information he supposedly entered into the complaint. I am angry that I did not give them permission to hold my information, they did not secure this information and was breached. Then they reported " sorry '' but are unable to assist me when it was their fault my information was gathered by a stranger. I am sure that due to COVID and high unemployment I am not the only one this is happening to. Equifax presented to me that it is not their problem to assist me. I did not want to provide them any more information than what they have or sign up for any services that they have and can be construed as my permission.
Consumer complaint received 2017-09-08
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. (CA)

Equifax exposed my personal information on file in a security breach. It was clearly not properly secured, and now I 'm exposed to possible identity fraud and need to take both time and money to do due diligence to protect my assets and credit.
Consumer complaint received 2022-09-08
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. (TX)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my multiple attempt to get this matter fixed but then again my request is still being disregarded. I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Additionally, this bankruptcy was dismissed. This is inaccurate, incomplete, and NOT VERIFIED! Delete this immediately! 

XXXX XXXX Bankruptcy Filing Date XX/XX/2016 Docket XXXXDischarged
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (NJ)

I was informed that I have no access to my money. The Bluebird American Express prepaid card never sent me a replacement card, after my card expired. As a result, I have no access to my funds for emergency use. It is my ( the customer 's money ). Perhaps the Bluebird American Express policies and practices need to be investigated. It's like they are locking the customer 's money. I should be able to transfer for an emergency use, I don't think this company wants negative TV media attention or a congressional leader to call them out. I take this very serious as it involves a lot of money tied to this card. I did a search and see that ( XXXX XXXX ) is the CEO of American Express. Perhaps he needs to be contacted about this matter, prior to me taking further steps to access my money. I've been a bluebird American Express customer for a very long time. I also provided them with the USPS updated address XXXX XXXX XXXX, XXXX NJ XXXX. Please attempt to resolve this matter, since I am unable to access my money.
Consumer complaint received 2017-09-08
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. (CA)

Private and important information of mine was shared in Equifax 's leak/hack. While the company is partial victim to the hack, the security provided was sub par and the response to the issue has been lacking. The site to see if you are effected not secure as well.
Consumer complaint received 2024-05-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OH)

I received an unsolicited Cash App debit card in the mail. I am not and never have been a Cash App customer. I believe an account was opened using my name, social security number, email, address or phone number. I do not know what the username which the account is using might be, but Id like for Cash App to please close this account. I have been a victim of identity theft and stolen devices, and XXXX and XXXX accounts were also fraudulently opened in my name. XXXX and XXXX have both been very helpful in rectifying these situations, so I am hopeful Cash App will do the same. Please assist me in finding and deleting any account or information attached to my name.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

HELLO I HAVE ALREADY STARTED A DISPUTE WITH THE EXPERIAN AND XXXX REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT ... I HAVE A LINE OF CREDIT WITH REGIONS BANK, THIS BANK MADE AN ERROR AND SENT 2 LATE FEES THESE CREDIT BUREAUS, I HAVE BEEN DISPUTING THESE INACCURACIES FOR ALMOST 2 MONTHS NOW ... ON MY EXPERIAN REPORT 3 WEEKS AGO EXPERIAN TOOK XXXX POINTS FROM MY CREDIT SCORE BEHIND THIS BANK ERROR, THAT THE HIGHER UP 'S DONT AND WONT ADMIT!!! THE BANK MANAGER HERE IN FLORIDA LOOKED OVER MY ACCOUNT PERSONALLY WHILE I WAS ON THE PHONE WITH HER AND SHE SAW FOR HERSELF THAT I WAS CURRENT WITH MY LINE OF CREDIT PAYMENTS FOR THE MONTHS OF XXXX AND XXXX OF THIS YEAR... IM EMAILING THE PROOF WITH AN EMAIL THAT I RECEIVED FROM HER... PLEASE SEND THIS NEW INFORMATION TO EXPERIAN, AND XXXX, AND XXXX IF YOU CAN, THEY NEED TO RESTORE MY CREDIT BACK... EXPERIAN TOOK AWAY 67 MONTHS 2 WEEKS AGO, THEN THEY GAVE ME THE POINTS BACK A WEEK AGO, EXPERIAN HAS TAKEN XXXX POINTS AGAIN FROM MY XXXX XXXX, THIS IS UNACCEPTABLE, AND THEY ARE VIOLATING MY RIGHTS, ALSO EXPERIAN AND XXXX ARE NOT UP DATING MY CREDIT REPORT, ALL MY CREDIT CARDS ARE PAID OFF XXXX BALANCES, WHY THIS IS NOT REFLECTING..
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

1 ) XXXX has improperly allocated too much of the payments made to interest which is not mathematically possible, constituting a material breach. There are instances where the entire payment was applied to interest. For example, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the entire payment of {$600.00} went toward interest, with {$0.00} applied to the principal. Another example is XX/XX/XXXX. The expected interest accrual for a 30-day period is {$120.00}, but the payment history shows that {$290.00} was applied to interest. 
2 ) XXXX charged interest during the time in which interest accrual was paused during the pandemic, constituting a material breach. 
3 ) XXXX has extended the term of the note beyond what is statutorily permitted by law. Because both of the loans are Direct Consolidation Loans, and the combined balance is over {$60000.00} ( approx. {$82000.00} in total ), the maximum repayment term allowed under the law is 30 years. XXXX reports that repayment began on XX/XX/XXXX. Time Already Paid : 12 years and 4 months. XXXX 's reported term : Remaining Term : 22 years and 2 months. The total repayment term would be approximately 34 years and 6 months, which exceeds the maximum statutory term of 30 years. Failure to properly service these loans constitutes a material breach. 
4 ) this breach is further underscored by the fact that XXXX admits that I have made approximately $ XXXX in payments, but they only applied $ XXXX to principal.
Consumer complaint received 2022-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

XXXX Mr Cooper notified me that payment was late. Spoke to representative and was able to prove that Mr Cooper recd the payment and cashed the check. Told it would be resolved immediately. 
XX/XX/XXXX -not resolved Mr Cooper added a late payment charge. Recd a check for {$1400.00} from Mr Cooper stating it was an overage in the escrow acct. Called and spoke with Mr. Cooper, they stated it was a mistake and would cancel the check and return the {$1400.00} to the escrow acct. 
12/18/21-not resolved. Spoke to manager. She asked for me to be patient until XX/XX/XXXX XXXX-spoke with manager was told problem was resolved and {$1400.00} returned to escrow acct. Based on that, I made an ACH transfer for XX/XX/XXXX payment. 
XXXX-I refinanced my mortgage with another company as this was now the 3rd time Mr. Cooper had messed up my payments and escrow acct. Mr. Cooper received payment in full on XX/XX/XXXX. Mr. Cooper congratulated me on the payoff and advised that they would not be sending the escrow money to XXXX to pay the XX/XX/XXXX statement. I should have received that money back as I had to pay XXXX directly. 
XXXX-received a check from Mr. Cooper for {$320.00} for reimbursement of escrow. The amount should have been {$1800.00}. 
XXXXI wrote to Mr Cooper 's Account Services Team as instructed by a Mr. Cooper chat employee. I submitted proof of all of the XXXX mortgage payments, and proof they did not pay XXXX. Said I would have a response in 7-10 days. 
XXXX-I received an email stating that they could take up to 30 days to respond, however, they reserved the opportunity to extend another 15 days after the 30. 
I have now been talking, emailing and providing info to Mr. Cooper since XX/XX/XXXX and it still is unresolved. As of XX/XX/XXXX, I have not received the {$1400.00} reimbursement from my escrow account with Mr. Cooper. I have no confidence that Mr. Cooper is resolving this.
Consumer complaint received 2020-05-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (KS)

I got a XXXX $ payday loan in 2016 from speedy cash. I offer to pay what I owed. Because of a judgement they put on me..for XXXX now it has went up XXXX $ because I supposedly owe that interest
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

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.

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 2020-05-28
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENNYMAC LOAN SERVICES, LLC. (MA)

I see multiple 120-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-03-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I have made several attempts to get Experian to properly update the way they are reporting account that were discharged in my Bankruptcy. XXXX and XXXX deleted alot of the accounts but Experian continues to reports these accounts as present and negative.
Consumer complaint received 2016-08-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

Equifax has let XXXX XXXX XXXX report incorrect information on my credit report for months. The only way I have gotten some of it fixed was with multiple disputes, which then let XXXX XXXX XXXX refresh my collection as if it was a brand new trade line, which is incorrect. 

XXXX XXXX XXXX have not been consistent with the information they are reporting to the CRA, and have not been helpful in rectifying the information despite my attempts to have it corrected. Between XXXX and XXXX 2016, they were reporting my collection as if it was a revolving account and adding 30-day late notes. They have never made any attempt at helping me resolve the debt, outside of the time I called them in XXXX 2016 to inquire about resolution. No follow up phone call or letter was received after that, even though I was told on the phone that it would be arriving. In addition to the lack of direct contact, in their correspondence that was sent regarding my collection, their language was almost threatening and it did not seem like they had any intention on helping me resolve my outstanding debt. Lastly, they also repeatedly check my credit report multiple times per month, almost as if they are trying to stunt my credit score growth and rebuilding.
Consumer complaint received 2018-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (FL)

Suntrust Mortgage who is servicing my loan ( # XXXX  ) is profiting by utilizing higher than needed escrow amounts on which they do not pay me any interest. In essence, they are getting a loan from me for FREE. I disputed the calculation for escrow but even after speaking with representative and the supervisor they both indicated that overage on my escrow was needed and that they were entitled to it. When I challenged their escrow practices and wanted to assume paying for taxes and insurance directly myself they said that loan to value ratio was at 84 % and needed to be below 80 %. I challenged their valuation of my home which they had at $ XXXX, far lower than the current market value that according to XXXX is at $ XXXX. 

I can only imagine that this is a widespread industry practice not isolated to Suntrust Mortgage Services.  With millions of hard-working Americans being taking advantage of in this unscrupulous manner I would like to request your assistance with this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a closed account from XXXX on my credit report with a balance on the account. I do not even have a card with this company anymore. I have tried to call XXXX several times since XXXX of 2023 to get this resolved numerous times Im not sure why the account has a balance since the account is closed the balance is XXXX dollars about to be 90 days without being pd but this balance is not my responsibility. This account is closed. This balance is not my responsibility as the account is closed this is their error and they keep saying its fixed yet every month its showing up on my credit report looking unpaid like its my balance abd responsibility Ive also disputed this to the credit bureaus but to no avail. I continue to call XXXX every week almost to get this resolved. They tell me allow time for it to be resolved and it still is not. This is messing with my credit score Ive asked them to remove this several times and have reported this several times to the three credit bureau agencies and this still is not fixed or removed from my credit report. I honestly dont t know what to do anymore as this keeps going in circles since XXXX of 2023.
Consumer complaint received 2024-02-17
Product: Credit reporting 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 am following up on my previous complaint, marking my XXXX endeavor in addressing the distressing issue of identity theft victimization. Diligently, I have lodged disputes for the inquiries and erroneous information stemming from this criminal activity. The items under dispute bear no relation to any transactions involving the lawful acquisition of goods, services, or funds authorized by me. I implore you to expunge the reporting of these inquiries from my credit file, as they are the direct consequence of alleged identity theft. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In accordance with FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I urge you to promptly address these discrepancies.
Consumer complaint received 2020-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ. XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX ; www.consumerfinance, cov/mortgagehelp Dear Sir or Madame : Unfortunately, I have no choice but to file a complaint regarding my PHH Mortgage Home Loan # XXXX. Since XX/XX/XXXX, I have been trying to resolve the following matter with XXXX PHH Mortgage Services. The attached three ( 3 ) pdf documents substantiate my statements below. 

In XXXX, I contacted XXXX  PHH to recast my mortgage loan, and they sent me the required Principal Curtailment Modification Form. On XX/XX/XXXX, I returned that completed form to XXXX along with a {$300.00} check for the required processing fee plus a {$95000.00} check for Principal Payment. This mailing was per Certified Mail # XXXX XXXX XXXX XXXX XXXX. My return receipt indicated XXXX of XXXX signed receipt on XX/XX/XXXX. My bank statement showed these checks were cashed on XX/XX/XXXX. However, there was no recasting of my mortgage. I made no fewer than XXXX telephone calls to resolve this. Expeditor XXXX  XXXX was the last XXXX XXXX Representative that I spoke with at XXXX x ( XXXX ). He told me that XXXX had received my checks but did not receive the Principal Curtailment Modification Form ( which I had enclosed in the SAME envelope as the two checks ). He told me to resend that form. So I resent the form per Certified Mail # XXXX XXXX XXXX XXXX XXXX. My return receipt indicated that XXXX XXXX of XXXX received this on XX/XX/XXXX. 

This week, Mr. XXXX telephoned me to reassure me that the Escalation Department completed my mortgage recast request. He said that I would get a document in the mail that I must notarize and return. Then my recast would be processed. Well, Instead of this promised document, I received two unrelated documents : First, I received a letter entitled The mortgage assistance application was received. The next day I received Missing items from the request for mortgage assistance. I did not receive the recast documents that Mr. XXXX promised my by phone. 

XXXX has kept my {$300.00} recast processing ( cashed on XX/XX/XXXX ) fee without recasting my mortgage. I have twice spent money on certified mailings and much time on useless telephone calls. I have patiently tried to resolve this since XX/XX/XXXX. 

I request CFPB to help me resolve this. I would like my mortgage to be recast, but I do not want to spend more money/time on now having to notarize documents. This notarizing process was not part of the original recast requirement. If XXXX refuses to omit this new, additional requirement ( i.e., notarization of documents ) do this for me, then I want both my {$300.00} and {$95000.00} returned to me so that I can refinance my mortgage loan elsewhere. Thank you for your assistance. 

Sincerely, XXXX XXXX Cc : 3 pdf documents to substantiate the above
Consumer complaint received 2017-09-08
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. (CA)

My SS and other information was potentially exposed in the Equifax hack ( I checked on their website ). I have just placed a fraud alert with XXXX. I have not yet observed any fraudulent activity on my accounts.
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

there are few inaccurate reporting on the credit report for the following account, XXXX card acc # XXXX, date opened XX/2009 please find attached the upload letter from the creditor for which they have approved to remove the inaccurate lates reporting on my credit file. 
i have already forwarded the letter from creditor to all three credit bureaus and requested to remove but they have not, i need your help in order to do so. 
thank you for your cooperation
Consumer complaint received 2020-01-25
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: Experian Information Solutions Inc. (NV)

Greetings, I am XXXX XXXX. I have been an unmarried Housewife since I was 19 years old. The majority of my assets were paid for by my Ex-fianc, so I didnt have much

to worry about. We recently parted ways due to abuse b oth verbal and physical. There are Collections, inquiries, and addresses listed on all 3 of r eport that arent mine. Please remove from my report immediately, so that I can obtain credit of my own without and issues. 
Thank you Collections XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX   {$850.00} XXXX XXXX XXXX, {$2500.00} Hard Inquiries XXXX Inquiry : XX/XX/2019 XXXX Inquiry : XX/XX/2019