davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-09
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. (FL)

I have negative remarks on my report that I do not recognize and are unverified. I contacted the bureaus and creditor to validate and I have not received any notification or validation. I was informed that they would investigate this within 30 days. 

Please assist with me with this matter. 

XXXX XXXX XXXX Account Name : XXXX ( Original Creditor : XXXX ) Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Unverified account Account Name : XXXX ( Original Creditor : XXXX ) Unverified account Account Name : XXXX ( Original Creditor : XXXX ) Unverified account Account Name : XXXX XXXX XXXX Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX were all on time. 

Account Name : XXXX I don't recognize this account Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX don't recognize this inquiry Creditor Name : XXXX XXXX XX/XX/XXXX Reason : I don't recognize this inquiry EXPERIAN CREDIT BUREAU Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Unverified account Account Name : XXXX Unverified account Account Name : XXXX XXXX XXXX Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 


Creditor Name : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I don't recognize this inquiry XXXX XXXX XXXX Account Name : XXXX ( Original Creditor : XXXX ) Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Unverified account Account Name : XXXX ( Original Creditor : XXXX ) Unverified account Account Name : XXXX Unverified account Account Name : XXXX XXXX. 
Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX were all on time. 


Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX I did not authorize this inquiry
Consumer complaint received 2016-04-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

I co-signed a student loan ( NJCLASS ) for my daughter, XXXX XXXX, in XXXX. She was the first of our children to go to college and we were in unfamiliar territory when it came to financing. When my daughter left school in XXXX, she began to be contacted by her lenders regarding repayment of her student loan obligations. The NJ Higher Education Student Assistance Authority ( NJHESAA ) did not contact us, for whatever reason. XXXX began repayment with all of the other ( XXXX ) lenders and remains in good standing. We were eventually contacted by XXXX XXXX, a law firm that represents NJHESAA, and told that we were in default. We immediately explained that it was an oversight but signed the repayment agreement ( which DOUBLED the initial student loan amount ) to get in good standing. Payments have been made since XX/XX/XXXX and are current. 

Despite the fact that XXXX XXXX provides a letter showing the payments and stating in writing that the account is current, NJHESAA continues to report both XXXX and me as in default/delinquent. Both of our credit reports have been severely damaged due to this. I have attempted to deal directly with NJHESAA and they have told me they are free to report whatever they want and even though they acknowledge I am in good standing with XXXX XXXX, they will continue to report as they see fit until such time as the loan is paid in full. They are rude and have hung up on me multiple times. I have attempted to go through the credit bureaus with disputes but they have the same result. I am currently paying CreditRepair.com for their assistance in getting these incorrect reports removed, and am considering a Fair Credit Reporting Act lawsuit in the event that does not work because of the amount of problems this reporting inaccuracy causes. 

It has also prevented my daughter from consolidating her other loans for a more affordable payment because of the improperly reported payment status. I am sorry we ever got involved with a NJCLASS loan.
Consumer complaint received 2021-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

The basis of my complaint is an attempt by a debt collection agency to collect an invalid debt based upon a charge by an insurance company that was never authorized and was made against my express written instructions to it for. 

I previously had my auto insurance with XXXX XXXX, a XXXX XXXX XXXX. My auto insurance policy with XXXX was set to expire XX/XX/2020. I received a proposed renewal billing statement dated XX/XX/2020 that showed a huge increase in my auto insurance premium. After unsuccessfully attempting to resolve this with XXXX, I obtained auto insurance, effective XX/XX/2020 with a different insurance company, XXXX XXXX XXXX. 

I informed XXXX  in a letter dated XX/XX/2020 that I would not be renewing that auto insurance policy ( or any of my other policies with XXXX  ) and that my auto policy with XXXX would expire on XX/XX/2020 without being renewed. 

XXXX ignored my instructions to let the auto policy lapse. Instead, without my authorization, and against my written instructions, XXXX took it upon itself to renew my policy with them even though I had informed them in writing that I had obtained different auto insurance coverage and that my policy with them was not to be renewed. 

XXXX then turned the matter over to a debt collection agency, Credit Collection Services, which has sent repeated unjustified debt collection letters to attempt to collect this invalid debt. I have repeatedly responded to Credit Collection Services but that entity has repeatedly refused to even acknowledge receipt of the written proof of insurance cancellation that I provided to it. Instead, I have received numerous dunning form letters attempting to collect this invalid debt. 

Enclosed with this complaint are copies of all of the relevant correspondence concerning the attempted enforcement of this invalid charge by XXXX.
Consumer complaint received 2017-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GRANITE STATE MANAGEMENT & RESOURCES (OR)

I do not have my complete loan information at the moment. Currently, I am in repayment of my student loans. I have been making more than the minimum amount towards my student loans for four years, paid out about {$10000.00} and my principal and interest has not decreased. Please advice and assist. The servicer 's website provides limited information and advice, in addition, it takes about an hour to speak to a level one customer service person.
Consumer complaint received 2016-12-19
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Central Atlantic Legal Group, PLLC, t/a Booth, Strange & Daniel (WV)

My check was garnished. It was overpaid. Company stated the funds would be returned to my employer. Instead, it was processed. Company is now refusing to refund my overpayment in a timely manner.
Consumer complaint received 2023-04-15
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$940.00}
Consumer complaint received 2016-12-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

Debt was found by checking credit score. No attempts at communication have been made between myself or any party related to me. Therefore I have been completely unaware of this debt, or what it is even for.
Consumer complaint received 2015-08-14
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CO)

In XX/XX/XXXX, my mother and I got a home equity loan from Homecomings Financial/GMAC for $ XXXX. The terms were 6.75 %, interest only, amortized over 30 years, with principal payments to start if we still had the loan after 10 years. Due to health and job losses, we were unable to keep up with these payments ; we eventually declared bankruptcy. We agreed to a loan modification that lowered the rate to 6 %, keeping it interest only for the remainder of the loan ( XXXX ). We agree to add interest payments we had missed and escrow shortages, as well as late charges to a new unpaid principal of {$270000.00}. 

Ocwen purchased my loan from GMAC after modification ; I confirmed Ocwen has the loan mod docs. I have been making payments on time per the modification since XX/XX/XXXX. My usual payment is {$1500.00}. In XX/XX/XXXX, Ocwen told me my payment is changing to {$2200.00} because the interest rate went up to 6.75 % and now I have to pay interest. They also added {$250.00} in late fees incurred BEFORE the loan modification, even those fees were rolled into the new principal amount when the loan was modified. 
There are also errors & undocumented fees reflected on my payoff. For example, the new principal if for interest portions from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, but GMAC 's own records show I paid the XX/XX/XXXX amount. The escrow shortage reflected is also incorrect ( GMAC doubled the amount, and initially charged me double ( $ XXXX/mo ) after the loan modification until they caught the mistake about six months later ) .. 

Finally, I have been trying to get the payoff corrected since XX/XX/XXXX, and have provided them documentation but they do not respond to what I have presented and refuse to resolve this. Their payoff shows legal fees, but the only legal fees were incurred AFTER the loan was modified and when I was in compliance, so it would not have been reasonable to hire a lawyer to foreclose or take any action against me at that time. They also, AGAIN, are trying to charge for late fees already rolled into the principal. rOn XX/XX/XXXX, I had a friend help me talk with an Ocwen agent who went through every aspect of this case in a call that lasted over an hour. He agreed that there was a clear error by Ocwen and said that we should fax a letter and the issue regarding the monthly payment and the payoff would be addressed in no more than 10-15 days. We faxed a detailed letter, with copies of all loan mod docs and proof of their errors ( attached to this complaint ). 

I called last week and was told it would take another 30 days. They have several times told me 30 days, then another 30 days, and nothing is ever fixed. I can not afford to pay this amount, and more importantly, I do not owe this amount. I am trying to refinance, but ca n't because they are threatening me if I do n't pay what they are asking and they will not correct my payoff. Thank you very much for your help.
Consumer complaint received 2016-04-07
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

Hi, I receive multiple calls a day back to back. I receive calls from XXXX to right before XXXX at night. During my work day I am unable to answer my phone but they constantly call my cell back to back, an hour apart. Is n't there a law protecting the consumer from back to back calls, especially on their cell phone?
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (PA)

I applied for a credit card with Chase bank. Upon completing the application and seeing the credit based offer, I immediately decided against opening the account. I stopped the application but was not given the option to decline the offer. The account was opened anyway without my knowledge. I called and canceled the account as soon as I realized it was opened, but the account is still going to show up on my credit report as an open account for at least a month and a closed account for up to 7 years. I want nothing to do with Chase bank at this time and its concerning that customers do not have the chance to decline an offer of credit once extended.
Consumer complaint received 2023-04-15
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : XXXX.
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

The issue is causing me XXXX XXXX XXXX XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible.
Consumer complaint received 2022-09-06
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. (GA)

I am disputing the following items on my Equifax consumer report ( credit report confirmation # XXXX ) under the basis that Equifax did not follow the permissible purpose law under the Fair Credit Reporting Act. 

Accounts : 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 XXXXXXXX XXXX XXXX Bank XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXXXXXX XXXX Hard inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX " ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. '' According to this definition Equifax is a consumer reporting agency because you have assembled and furnished my credit information. Seeing as how you are defined as a consumer reporting agency you are subject to following FCRA guidelines which includes permissible purpose.

15 U.S. Code 1681b - Permissible purposes of consumer reports : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

If you can not provide me proof of my written instructions giving you permission to furnish each of the following 16 items I mentioned in the beginning of this letter then I request that you delete the accounts and inquiries immediately.

15 U.S. Code 1681n - Civil liability for willful noncompliance says that : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} According to the Civil liability section of the FCRA it says that I am entitled up to {$1000.00} per violation, If you can not prove that your agency had permissible purpose then I would like a settlement of {$16000.00}. ( {$1000.00} per violation for the 16 items i disputed )
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602. This states I have the right to privacy ( 15 USC 1681 ( Section 604a section 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor man not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-04-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/ I paid PayPal for the balance of {$39.00} I had on my account. The payment was accepted and confirmed with an confirmation message. However, that payment did not go through and denied by PayPal. After checking it today, on XX/XX/XXXX, PayPal added an additional late fee. 

I have reasons to believe that PayPal is trying to deny the payment to take additional late fees. 

I had requested PayPal to respond to my inquiries and waive the most recent late fee applied after PayPal didnt give a reason for denying my payment on XX/XX/ XXXX
Consumer complaint received 2020-05-03
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Why do credit bureaus continue to try to get more credit cards. They continually tell me to apply for this card or that card. I have 4 only one has a balance of XXXX on it but its XXXX percent for 14 most and I will pay it off before then. XXXX  told me to apply for XXXX card which had a good bonus so I did and they immediately turned me down. Then they tell me to apply for discover card I did turned because I already have a discover card. Well this is 2 inquiries that shouldnt effect me. Also I had a regions s account that I closed and paid in full in 2014. I wrote regions and I have tried to dispute several times. I was laid off going through a rough time during that period. Since then I have worked hard to restore my credit. I always pay Bill 's on time if I am making money. Also cell phone inquiries should not be hard inquiries. If u shop around their gon na pull score and that is at least 2 of my  inquiries. I'm XXXX years old And I had great credit till divorced at one time over 800 score but when I didnt charge or by anything for 10  years score dropped to XXXX and I thought when you get old get out of debt. Anyways today 's XXXX score is XXXX well a couple a months ago I had as high as XXXX and now its dropped 50 points and not one late payment or a reason besides inquiries. Thank you in advance for listening and please follow up with me if u are able to help. Thanks XXXX XXXX. My email is XXXX.
Consumer complaint received 2015-05-18
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

Seven years ago we received military XXXX from XXXX to XXXX XXXX, XXXX We were unable to sell the home in XXXX so we rented it for several years. At XXXX point we had a renter inflict {$21000.00} worth of damage to the home. We emptied our savings at that point to cover both the repair and the mortgage. The home in XXXX has not been rented in over a year and with no rental income we can not pay the mortgage. We switched property management companies only to find out the home also needs a new roof. We contacted our mortgage lender ( Carrington Mortgage Services ) and filled out all necessary paperwork for XXXX Loss Mitigation assistance, but were turned down. There is no way at the current time we can afford to either repair the roof or pay the mortgage for the home in XXXX when we are living in XXXX due to military XXXX.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; XXXXXXXX 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
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to the Fair Credit Reporting Act I have a closed XXXX XXXX account that is violating my rights. Account XXXX XXXX ( XXXX ) has violated my rights. 

15USC 1681 Section 602 A - States I have the right to privacy 15 USC 1681 604 A Section 2- States that a consumer agency can not furnish an account without my written instruction.