davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

We have our mortgage through Penny Mac USA. Our property taxes have still not been paid from the escrow account that should have been paid in XXXX of XXXX. I received a property tax statement in XXXX of XXXX, and then again received another tax statement in XXXX of XXXX. The receipt of the 2nd statement prompted me to call the mortgage company because it appeared the property taxes had not been paid. I was told then that it appeared they had not paid our property taxes are required in XXXX. I asked why this occurred and was told they did not know and could not figure out why. I was told then ( two weeks ago ) that it would be paid. I logged into our mortgage account on XX/XX/XXXX and it appeared that no funds had been dispersed from the escrow account. I spent over an hour on the phone today ( XXXX ) to find out that the property taxes are still unpaid. Now there is a tax penalty of {$410.00} that must be paid. Penny Mac stated that I should not worry because they will pay any late fees, but I do not trust at this point that they will not take that late fee out of my escrow account. In the meantime they have continued to accrue interest from my escrow funds and make money from my wrongfully withheld tax payment. I was told on the phone today that they could not tell me when the taxes would be paid. They also stated that they needed additional information because the taxes had not been verified! Then how have I received two tax statements? They would not admit it, but I believe they did not properly keep their own records as I was asked to upload my property tax statement to their website. I need help getting this resolved and I hope there is a mechanism in place to fine this company for their improper actions and their breach of fiduciary duty to properly manage our escrow account.
Consumer complaint received 2021-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (GA)

I have attempted to contact this company multiple times regarding a debt that they are reporting to my credit. I have not even the slightest clue what the debt is and when I request validation, they just send me a print out of some bill that does not even describe the debt. Honestly, how many people can just say you owe something, don't provide proof, and expect you to pay. How are they doing this and to how many people thus far. The very last time, they sent me a letter in the mail attached stating that my claim was frivolous and they refuse to investigate any further. They did not provide me with anything I requested and simply stated that they sent verification and validation to the credit bureaus. If they refuse the investigate, they should not be allowed to continue reporting this harmful information to my credit reports. The received communication from them XX/XX/2021.
Consumer complaint received 2019-03-15
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 — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I requested validation of accounts that I wasnt provided. I asked for original consumer signed contracts and all information on what services were rendered for the debt, how the debt was calculated, and proof for everything. I was not given any of that!
Consumer complaint received 2023-01-31
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: CITIBANK, N.A. (HI)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. Along with 15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY.
Consumer complaint received 2022-04-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Company Name : Portfolio Recovery Associates , LLC Violations : 1 ] Attempting to collect on a charged off debt. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 2 ] Attempting to mislead me about the status of my charged off debt. ( XX/XX/XXXX ) 3 ] Calling my phone number on XX/XX/XXXX, after I had called back and put in two separate Do Not Call requests with the company ( XX/XX/XXXX and XX/XX/XXXX ). 
4 ] Calling my phone number on XX/XX/XXXX, after I had explicitly put in a Do Not Call request with the company on XX/XX/XXXX. 

This company began calling me in early XXXX, attempting to collect a debt on a credit card that had been charged off in XXXX and was set to be removed from my credit report in XXXX. When I called back the first time, I advised them they were collecting a charged off debt and asked to be placed on Do Not Call. They called back 2 days later, so I called back and requested Do not call status again. This morning, they called me back at XXXX.
Consumer complaint received 2022-04-02
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: CORELOGIC INC (FL)

I have a Dispute with the Credit Bureau about the incorrect items on my credit report. It's been well over 30 days and I still didn't receive my investigation Results.
Consumer complaint received 2021-02-09
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. (MD)

I filed a complaint in XXXX CFPB # XXXX for XXXX XXXX trying to collect a debt that does not belong to me. They responded to the complaint that they would remove from my credit report but it is still being reported.
Consumer complaint received 2021-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

On XX/XX/2021 I made the payment of the balance on the mortgage of {$43000.00} my normal payment was {$1200.00} I received a statement in XXXX that showed XXXX due but had a loan balance of XXXX so i made that payment of XXXX so there would be nothing left owed. 
late in XXXX i get a call from Shellpoint claiming they are a debt collector and I owe XXXX for the mortgage payment and if I don't pay they will ding my credit. i asked what is my loan balance? she said that's weird its showing you don't have one. i say how do i owe you anything? puts me on hold and said there is a pay off amount to release my title to the home. I say i paid the XXXX she said its more because of late fees. i say how am i late i have paid everything you asked for plus much more. she said she will look into it 2 days later another person calls me again asking for XXXX. I tell her you guys need to get this figured out and send me a bill for whats owed. finally the 3rd person calls me and last day of the month saying i owe the XXXX i said you guys better not be messing my credit up because you cant get your books figured out. i say look at the balance she says oh that's weird ... finally she says i owe XXXX and she can pull the money out of my account. i have all the bills showing nothing is owed and i paid every thing that was on there and can attach the proof. this company is horrible about keeping the records straight and has now caused my credit to drop XXXX points because they reported me late. even though i wasn't. please investigate there has to be many other people that they are taking advantage of because they don't have as good records as i do. also they said i was being recorded each time so please get the conversations and you will see.
Consumer complaint received 2023-03-29
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: EQUIFAX, INC. (GA)

I AM A VICTIM OF IDENTITY THEFT NOT ONCE, NOT TWICE, BUT THREE INSTANCES THAT I KNOW OF. ONE OF WHICH WAS OR IS BEING DONE BY A RELATIVE. SINCE I AM SELF EMPLOYED, AND CONSTANTLY WORK AWAY FROM HOME, UNBEKNOWST TO ME, THESE SAID THIEVES HAVE HAD LIMITED ACCESS TO MY MAILBOX. I HAVE FILED THREE POLICE REPORTS, IN AS MANY STATES, OUTLINING THE EXTENT OF THE THEFT OF MY IDENTITY. I PROVIDED DOCUMENTATION VERIFYING THAT THE SAID THIEVES HAVE AN OLD COPY OF A SOUTH CAROLINA '' S DRIVERS LICENSE THAT IS NO LONGER VALID BUT HAS NOT EXPIRED. I HAVE CONTACTED EQUIFAX, XXXX, XXXX CONCERNING INQUIRIES THAT ARE NOT MINE. I ASKED THAT THEY REMOVE THEM. THEY TOLD ME TO CONTACT THE CREDITOR. WHEN I CONTACTED THE CREDITOR, I WAS TOLD THAT THEY CAN NOT REMOVE ANY INQUIRIES. SO AT THIS POINT THE BUREAUS ARE GIVING ME THE RUNAROUND. I ALSO ASKED THEM TO REMOVE OUTDATED ADDRESSES THAT WERE BEIBG USED FOR FRAUD. TO THIS DATE THEY HAVE NOT. 

THESE ARE THE INQUIRIES IN QUESTION : 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 XXXXXXXX THE ADDRESSES THAT NEED TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX THE STUDENT LOANS ON MY CREDIT REPORTS HAVE BEEN CONSOLIDATED BUT HAVE YETTO REFLECT THAT DESPITE BEINH DONE SO MORE THAN 30 DAYS AGO. WHY ARE THEY CLASSIFIED AS INSTALLMENT LOANS? THIS CLASSIFICATION MAKES IT IMPOSSIBLE FOR ME TO QUALIFY FOR A MORTGAGE BECAUSE OF HOW THEY ARE BEING REPORTED. LENDERS SEE IT AS IF I HAVE A XXXX LOAN AND HAVE NOT MADE ANY PAYMENTS ON THAT LOAN.
Consumer complaint received 2020-09-05
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. (AL)

I AM A VICTIM OF IDENTITY THEFT. I AM A XXXX XXXX AND HAVENT BEEN ABLE TO KEEP TRACK OF MY CREDT. I SAW MY CREDIT REPORT AND I COULDNT BELIEVE THESE ACCOUNTS WERE ON MY CREDIT. NOT ONLY ARE THESE ACCOUNTS FRAUDULENT ON MY CREDIT BUT I ALSO HAVE INQUIRIES THAT ARE FRAUDULENT. I UNDERSTAND THESE ITEMS HOLD MY CREDIT SCORING DOWN. PLEASE REMOVE THESE ITEMS FROM MY CREDIT.
Consumer complaint received 2021-02-02
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. (FL)

On XX/XX/2021i sent in letters regarding inaccurate reporting false items on my credit report and i have not received a response yet i feel like im being ignored of my disputes. This deceptive practices by the bureaus.
Consumer complaint received 2021-02-02
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. (OH)

I HAVE DISPUTED THIS DEBT MULTIPLE TIMES BUT EXPERIAN IT IS STILL SHOWING ON MY CREDIT REPORT STATING THAT I LIVED AT : XXXX XXXX XXXX, XXXX XXXX, CA. 

I HAVE ATTACHED A LETTER ALONG WITH EVIDENCE THAT ADDRESS DOES NOT EXIST.
Consumer complaint received 2024-03-15
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (KY)

I paid the balance of this credit card on XX/XX/2023. I have called XXXX multiple times to get these fees and interest reversed. I was told that the account is closed and the fees and interest cant be reversed. The last representative that I spoke to said XXXX dispute resolution department would reach out. I have heard nothing.
Consumer complaint received 2020-09-05
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. (AL)

I AM A VICTIM OF IDENTITY THEFT. I AM A XXXX XXXX AND HAVENT BEEN ABLE TO KEEP TRACK OF MY CREDT. I SAW MY CREDIT REPORT AND I COULDNT BELIEVE THESE ACCOUNTS WERE ON MY CREDIT. NOT ONLY ARE THESE ACCOUNTS FRAUDULENT ON MY CREDIT BUT I ALSO HAVE INQUIRIES THAT ARE FRAUDULENT. I UNDERSTAND THESE ITEMS HOLD MY CREDIT SCORING DOWN. PLEASE REMOVE THESE ITEMS FROM MY CREDIT.
Consumer complaint received 2021-02-02
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. (CA)

Education loan shown on credit was fraud. The school was a fraud and education credentials were not honored. Numerous attempts to remove from credit report. Unfair XXXXXXXX XXXX reporting as well.
Consumer complaint received 2021-02-02
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. (NJ)

On XX/XX/2021 at XXXX I disputed incorrect reporting on my credit report with Experian . At XXXX received email that investigation was completed and updated. I spoke to someone who's name is XXXX that the dispute remains, while speaking with him I ask for the name and number of the person who his company spoke with, I was told we didn't speak to anyone its was done internally. 
I said how could your company investigate something without speaking to the other company to verify the information is correct and was told that's how its done. 
Experian is committing fraud and lying to the public by taking such action. 
I have a letter from one of my creditors that the incorrect information would be removed. 
I would like for CFPB to have Experian have all of my disputes deleted from my credit report. 
This inaccurate information is causing me harm and stress. 
Thank you in advance.
Consumer complaint received 2022-04-27
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: PORTFOLIO RECOVERY ASSOCIATES 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. 
XXXX ) PORTFOLIO RECOV ASSOC # XXXX XXXX ) PORTFOLIO RECOV ASSOC # XXXX XXXX ) XXXX XXXX XXXX # XXXX has 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
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I contacted Experian explaining that I am a victim of identity theft. They only placed a fraud alert but did not deleted this information from my report. I am requesting again that this information is deleted.
Consumer complaint received 2022-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

On XXXX XXXX, I started my continued education at XXXX XXXX XXXX XXXX at XXXX XXXXXXXX XXXX, NY. I'm currently in the XXXX XXXX in XXXX XXXX. All my requests for student loans were accepted. The problem I have with the XXXX XXXX XXXX is that they refuse to give me the funds from my student account to have my apartment wired for Internet service. I received a quote from an agency that was for {$170.00} to install the wiring needed for the internet service. I told the XXXX XXXX XXXX XXXX campus that I need this money from my student account and was instead directed to the job placement office. I'm totally confused about my student loans about why they were sent to the School in the first place. I don't receive any statements for how much money is in my student account. So far the XXXX XXXX XXXX XXXX has sent me textbooks with missing chapters and books that I didn't need for some classes. These textbooks are not cheap. I found out that the College is for profit. I'm an A and B student and I'm doing very well, with the exception that I have to go to the neighborhood library to do all my assignments. This shouldn't be as I have more than enough in my account that the College should authorize the money needed for the internet service to be installed in my apartment. After installation the cost is {$40.00} a month. The College loan officer said all money not used is going to be sent back to the agency lender. I find this to be a way of not letting me graduate. I feel like I'm being discriminated against because of my age, XXXX XXXX XXXX. This is my second complaint about the same thing. XXXX XXXX XXXX XXXX is holding my student loans for the purpose of collecting interest from my loan. I continually receive emails about attending tutoring. Why would I attend tutoring if I have a grade point average of XXXX. I find them continually trying to get me to do things that I don't need to do just so they can take money out of my student account that I have been denied for taking out of MY STUDENT LOANS FOR THE PURPOSE OF WIRING MY APARTMENT FOR INTERNET SERVICE. When I filled out the paperwork for XXXX XXXX XXXX XXXX, I was told that I would be set up for SUCCESS. I explained to the recruiter that I didn't have internet service or the money to have it installed and I was assured that the loans would be there to help with that. I have a nephew who is attending college and in his first month received {$7000.00} to help with the cost of his education. WHY WOULD THIS NOT APPLY TO ME????
Consumer complaint received 2022-11-17
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: ALLY FINANCIAL INC. (GA)

to whom it may concern. I'm writing looking for relief of an incorrect bad collection account on my credit report. I have no idea who or how it got on my credit, and was not contacted by anyone pertaining to this account if was accurate. 
account name, XXXX XXXXXXXX XXXX XXXXXXXX date open XX/XX/2022 SAYS : past due as of XX/XX/2022 amount {$1700.00} can you please launch an investigation this is holding me back and may not be accurate. The Fair Credit Reporting Act. 15 U.S.C sec 1681i ( a ) ( 1 ) ( a ) I was pleading for an investigation.

thanks
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I MADE A PAYMENT TO XXXX XXXX, MY CREDIT CARD COMPANY IN THE MONTH OF XX/XX/2022. SUBSEQUENTLY, IT WAS REPORTED LATE ON MY CREDIT REPORT WITH ALL 3 BUREAUS. I HAVE INFORMED EACH BUREAU AND XXXX XXXX  OF THE ERROR. A LATE PAYMENT STILL REMAINS ON MY CREDIT REPORT.
Consumer complaint received 2022-04-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (FL)

I am still waiting my updated/correct loan modification contract that to be expedited to me from the CFPB response dated XX/XX/2022 Also, I am waiting my full copy of my contract. I was only given 11 pages from my previous request Also, I have added an additional request for a copy of the Transfer of loan agreement to Freedom Mortgage from my original loan company
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2020-11-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

From XX/XX/2019 through the present. I have been receiving communication from Capital One in Statements on Alleged debt that is owed. The Truth and Lending Act is intended to inform consumers of credit, and I have been deceived concerning the information in my consumer credit transaction. According to 15 USC 1692j, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am the original creditor ; I am Protected as a consumer against the alleged debt 15 USC 1692a ( 3 ). According to 15 USC 1692e ( 11 ), Failure to disclose in the initial written communication with the consumer and also, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. According to 15 USC 1692b ( 2 ), Any debt collector communicating with any person shall not state the consumer owes any debt. According to 15 USC 1692b I never gave Capital One permission to send me statements. When sending statements Capital One can not state that such consumer owes any debt according to 15 USC 1692b ( 2 ).