davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (AL)

XXXX XXXX I received a delinquent property tax notice indicating that my mortgage lender had failed to pay it through my escrow that was already established with them. It was a time sensitive issue so I paid the property taxes myself ( in the amount of {$360.00} ) and contacted the mortgage lender in order to have the funds reimbursed to me. I contacted them to explain the situation and have them remedy it but the rude customer service explained to me that it would take at minimum 14 days in order for someone to even talk to me regarding this issue which is a rather lengthy timeline and indicates that the company does not act in good faith towards resolving customer issues. After not having been contacted in that timeframe, I sent an email on XX/XX/XXXX directly to the lender explaining the issue and I received a canned response that they would forward the email and someone would get back to me shortly. No one has gotten back to me about reimbursing me my costs for their negligence and resolving the issue so that it does not happen again.
Consumer complaint received 2019-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I have consolidated direct federal loans with Fedloans. I have been working in non profit organizations, and plan to apply for PSLF. 

I have made almost five and half years of qualified payments, but Fedloans has only counted a handful towards this. I have called them several times, and they reassure that all my paperwork are there and are correct, however, have not updated a correct count.
Consumer complaint received 2017-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

On XXXX XXXX, XXXX, Equifax publicly made it known that over 145 million consumers had their personal information hacked from their databases. Equifax has illegally hoarded my personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act, Equifaxs mishandling of confidential and personal information which allowed their systems to be hacked, violated all privacy rights. According to the Fair Debt Collection Practices Act, I believe all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others.
Consumer complaint received 2016-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

Equifax is reporting inaccurate information on my credit report. They are reporting a charge-off account from XXXX when i never had a XXXX account. By the FCRA unless they provide me supporting documentation with my wet signature they must delete the charge-off account from my credit report.Failure to do so will result in a lawsuit against both the creditor ad the credit bureau 's. I have sent documentation to my attorney also.
Consumer complaint received 2018-06-11
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)

XXXX bank recieved an unauthorized payment from a checking account that does not belong to me. then closed my account charged it off and sent it to a collector for non payment of 32 days. also, credit monitoring shows a 30 day late, a charge off and moneys owed to XXXX bank and a 3rd party collector XXXX XXXX and XXXX XXXX credit!
Consumer complaint received 2017-12-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (NY)

CAINE & WEINER Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX This company has been reporting to the credit bureaus stating I owe a debt all while not only being unlicensed to do so in NYS but in the City of XXXX as well. 

The Federal Fair Debt Collection Practices Act ( FDCPA ) regulates both debt collectors who contact you on behalf of your creditor and debt collectors who contact you because they have purchased your defaulted account from the original creditor ( or another debt collector ) and are now trying to collect from you. Law firms who regularly work on debt collection actions are also governed by the FDCPA. 

In addition, all debt collectors operating in New York, whether acting on behalf of a third party or on behalf of themselves, are required to follow New York State law ( Article 29-H of the General Business Law ) governing debt collection practices. 
Businesses whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX XXXX residents must also have a Debt Collection Agency license no matter where the agency is located, including outside of New York State. This licensing requirement includes : Attorneys and law firms who regularly engage in activities traditionally performed by debt collectorsDebt buyers, businesses that buy debt and then try to collect money directly or through the services of another This description is only a general explanation of which businesses need to have a Debt Collection Agency license. You may refer to XXXX XXXX XXXX Administrative Code Section 20-489 for a complete description. Plus XXXX XXXX XXXX and XXXX both require licenses and that the license number be disclosed on all communications with consumers. 

XXXX, NY 140-1License required. 

" No person, firm or corporation shall collect, advertise to collect, attempt to collect or hold himself or itself out as able or willing to collect, for hire or remuneration in any form, any bill, debt, demand, sum of money or other thing of value due or claimed to be due or owing to any other person, firm or corporation or conduct the business commonly known as a " collection agency '' without first having obtained a license so to do as hereinafter set forth, provided, however, that the provisions of this chapter shall not apply to an attorney at law engaged in the practice of his profession ; to any banker, bank or banking institution acting within the limits of his or its authority as prescribed by law ; nor to any person, group of persons, firm or corporation engaged in the collection only of debts, demands, sums of money or things of value which are the exclusive property of the person, group of persons, firm or corporation attempting to make such collection. ''
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I did not apply for any new credit or a cell phone account and have a new HARD INQUIRY from XXXX XXXX XXXX on my Equifax report. Please investigate. Thank you SO much!
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602a, it is mandated that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. Equifax, XXXX, and XXXX being consumer reporting agencies, are obligated to uphold these standards. As a consumer, I assert my right to ensure that my private information is not shared, which is reinforced by 15 USC 6801. This statute emphasizes that financial institutions, including furnishers of information to credit agencies, have a continuous obligation to respect the privacy of their customers and safeguard their nonpublic personal information.

Section 15 USC 1681 section 604a ( 2 ) states that consumer report
ing agencies may furnish a consumer report only in accordance with the written instructions of the consumer. However, neither Equifax, XXXX, nor XXXX, nor the furnishers of information to credit agencies, have obtained my written consent to furnish my information. Therefore, any purported consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked.

Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without providing consumers with an explanation of how they can exercise their nondisclosure option. However, I was never informed of my right to exercise this option by the furnishers of information to credit agencies.

Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse items of information in consumer reports without authorization under subsection ( b ). The account in question is an adverse item being reported without my permission, which violates this provision.

Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the furnishing of inaccurate information to consumer reporting agencies. Equifax, XXXX, and XXXX are thus failing to maintain reasonable procedures, as required by 15 U.S. Code 1681e, to avoid violations of FCRA sections 1681c and 1681b.

Finally, according to 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. I hereby exercise my right to opt out of Equifax, XXXX, and XXXX 's reporting services.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX is reporting a account on my credit reports that I did not open I want my right by fair credit XXXX for them to provide me with address items sent date price history I want everything verified proving this is my account if this can't be verified then delete immediately
Consumer complaint received 2017-10-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I have informed Experian and XXXX that the XXXX XXXX was never late in 2014. I have had a difficult time trying to get XXXX and Experian to to remove this inaccurate information from my credit file. Please assist me in getting this account removed from my credit file.
Consumer complaint received 2017-12-07
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: TENET HEALTHCARE CORPORATION (OR)

Date of service was XXXX Billed on XXXX XXXX, XXXX Called XXXX, XXXX XXXX XXXX  and the medical office on the dates below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and other dates that I did not document on paper before XXXX after I got the bill on XXXX XXXX, XXXX. 

{$330.00} I have called, disputed and sent proof statement of amount as paid to XXXX because the original credit reporting agency is XXXX XXXX XXXX aka XXXX XXXX XXXX. I have called XXXX XXXX XXXX so many times to show XXXX the account as paid but they say they no longer have an account with me. XXXX has placed re-investigation with the XXXX XXXX XXXX account every time I disputed them, it 's still being reported to XXXX as owed when it should have showed as paid, closed and removed by XXXX XXXX XXXX. Every time I get a report back from XXXX they say XXXX XXXX XXXX reported the information as correct. I would call XXXX XXXX XXXX once again and they would answer every time I call them that I do not have an account with them anymore and to call the hospital who took the bill back. I call the hospital every time after I talk to XXXX XXXX XXXXl, the hospital reported it as paid in full and account is closed. The bill was paid by my medical insurance.
Consumer complaint received 2015-05-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (TX)

I have been a victim of identity theft. I requested my free report from www.annualcreditreport.com but was denied as they said I had requested one in the last 30 days which I have not. I need a copy in order to determine if any other accounts have been opened in my name illegally.
Consumer complaint received 2017-12-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (FL)

after hurricane Irma I was given 3 months no payment to be added at end of mortgage. due to state of emergency. when I went to pay my XXXX mortgage it stated I was three months late. I contacted company to ask why. They stated they were told they did not have to honor that agreement and I had to pay 4 months now all at once.my job relocated after hurricane & house was for sale. closing XXXX/XXXX/18. they have ruined my credit and lied. we were in a disaster and company never notified me that they were not going to honor the agreement to thousand of people not just me. I want credit fixed and them to honor agreement and let me pay my XXXX and XXXX payment. & restore my credit so I may buy in area I work in now
Consumer complaint received 2022-10-06
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: Bridgecrest Acceptance Corporation (FL)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account 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 2021-02-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

EXPERIAN, I have disputed this information from XXXX several times in letter format to you giving you permission to investigate this matter that I have been trying to get resolved. It is not my problem they are unable to provide you information other than a bill. Maybe that is because they are in violation of my HIPPA rights. I have disputed them for years in regard to the lack of information they are willing to provide and you, and you as well have not verified the debt other than contacting them and asking them if it belongs to me.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On my credit reports there is a closed account with huge amount of missed payments. CAPITAL ONE BANK USA Opened XXXX XXXX, 2008 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAPITAL ONE BANK USA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2018-06-11
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

I have had many problems with Navient. Not sure where to start, but the most disturbing thing is what they did to me this weekend. I called because I had never received the paperwork to renew my income based repayment and the lady verified my address which was an address form 10 years ago in a different state, which is impossible because I get mail from them daily at my current address. Then she said that is probably why I never receive them. They also over charged me one year and put me on income based repayment and had me pay {$35.00} a month for like a year and then next year when I was making more money they had me at XXXX. I usually end up with XXXX dollars due, because I make that little and have dependents to take care of. I had explained that I answered an email that said answer yes and they would not charge me extra but it would not go on my credit report. It is on my credit report in 5 separate entries each month which has messed up my credit tremendously. On XX/XX/XXXX, I was told to do another forbearance to bring my loan current and I agreed. on XX/XX/XXXX, my credit alert emailed me saying on XX/XX/XXXX, Navient posted 5 new late payments on my credit report. It looks as though my unpaid principal is now XXXX after all these forbearances ( unfortunately, I have not been able to obtain employment that allows me to live and pay my bills ), and the last bill I received from them last month was for {$4000.00} to be paid immediately. I have asked about the public services loans, which I have been working for non-profits with children since XXXX and have never received any guidance on how to do this. This company plays major games with people and ruins peoples lives and their credit.
Consumer complaint received 2015-10-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (VA)

I am an exhausted victim of ongoing deception by Ocwen Loan Servicing LLC and the firm presenting themselves as debt collectors on Ocwen 's behalf and claiming to be of counsel. Please advise me on how to hold them accountable for engaging in the following deceptive acts in violation of the consumer protection laws of the Commonwealth of Virginia as well as specific sections of the FDCPA, the CFPB, and the USC : Failure to timely and accurately apply payments to my account Providing false and misleading information regarding the status of my account Providing false and misleading information in response to a complaint Failure to provide accurate and timely information regarding loss mitigation services Failure to properly calculate my eligibility for a HAMP Tier 2 loan modification program Improperly denying loan modification relief after HUD Counselor determined me to be eligible Providing false and misleading reasons for denial of loan modification Using false and misleading documents as part of the foreclosure process ( ie. affidavit, assignment ) Providing confidential information to a third partyIn addition, please provide me with several references who may be able to conduct an audit of my account with Ocwen Loan Servicing LLC and someone with the authority to review my financial statements for lawful consideration of a HAMP Tier 2 Modification. 
Thank you in advance.
Consumer complaint received 2021-02-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (MI)

CAPIO PARTNERS is contacting me at inconvenient times and places. They are contacting me before XXXX XXXX., and after XXXX XXXX. I never agreed to it. These repetitious phone calls have annoyed my family and myself. CAPIO PARTNERS has also used obscene and profane language and threats regarding this debt that is not mine. They are also blocking their number and calling me without telling me who they are.

In addition, they have also stated that they are an attorney, making threats to arrest me, garnish my wages, bank accounts, and sue me.

CAPIO PARTNERS has also contacted family members and co-workers of mine more than once trying to collect this fraudulent debt. CAPIO PARTNERS has discussed this account and my personal information regarding this debt, harassing others trying to get me to pay this debt. CAPIO PARTNERS fails to respond to my verification letter by certified mail.
Consumer complaint received 2017-12-08
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

Toyoyta financial Is charging of my account for XXXX for a 2015 toyoyta Camry that was a total lose due to a crash the XXXX XXXX XXXX insurance company along with gap insurance company payed off My account
Consumer complaint received 2017-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

My mortgage company has tried to run my equifax credit report 3 different times and comes back with an error saying no data found I spent 2 hours today on the phone and 1 hour the previous two days
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 — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

I checked my XXXX  and XXXX reports. There is a hard inquiry from a company called XXXX XXXX. ' This company has no contact info for me to investigate the inquiry. I have not applied for any credit card or loans recently or within the last two years. I believe this inquiry is fraudulent. The only application I submitted to any company was a wells Fargo mortgage application, however, I did not request to have any credit checks, yet. I never spoke to anyone from the company. I only ask to speak to a mortgage loan officer to discuss possible loans.