davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

After the transfer of my mortgage loan servicing to PHH Mortgage, I discovered when attempting to schedule my third payment online, that they charge an " up to {$7.00} '' fee for online payments if not enrolled in paperless statements. This fee appeared in the mobile application as an " Included draft fee ''. There is a link in fine print to view the fee schedule, but the new fee was a surprise when I logged in to make a payment. Although PHH Mortgage offers cheaper payment methods, charging up to {$2700.00} over the course of a 30 year loan for electronic payments is ridiculous, particularly when electronic payments are regularly accepted online at no cost for consumer loans and mortgages. Electronic payments are certainly cheaper to process than other payment methods, such as checks ( accepted with no fee ), so an argument that the fee offsets the actual cost incurred by the mortgage loan servicer does not ring true. Fortunately, I was not in a position to need to expeditiously schedule my mortgage payment to avoid a fee, since changing my statement delivery method to avoid the fee takes three business days.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

TO WHOM IT MAY CONCERN I HAVE AN ADDRESS THATS LINKED TO THE SAID ACCOUNTS THAT I AM NOT AFFILIATED WITH THROUGH MY RESEARCH THE ADDRESS SEEMS TO BE XXXX XXXX XXXX XXXX XXXX, MA XXXX AND THE ACCOUNTS WERE A XXXX CREDIT CARD AND A LOAN FROM XXXX XXXX
Consumer complaint received 2022-09-12
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. (MI)

Based On 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged Identity theft, not later than 4 business days after the date of receipt. 


It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VILOATION Under, 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Account : XXXX XXXX XXXX XXXX Account : DEPT OF EDXXXX XXXX
Consumer complaint received 2020-06-30
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect XXXX  XXXX {$110000.00} XXXX   XXXX {$25000.00} XXXX XXXX {$110000.00} XXXX XXXX
Consumer complaint received 2020-07-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (WI)

The company I am having a problem with is PayPal.On XX/XX/2020 I used paypal to pay for a pool from an online website. I never received the pool and I submitted a case to paypal who should cover this with their buyer protection policy. The seller did not respond to me in any way. PayPal apparently got tracking information and promptly closed the case. The tracking information is to the wrong address and there is no way for me to dispute their ruling nor to contact anyone at paypal. here is the details of the transaction : XXXX XXXX -negative {$99.00} XX/XX/2020 Payment Paid with {$99.00} XXXX XXXX XXXX {$99.00} XXXX XXXX XXXXYour backup is VISA XXXXShipped toXXXX   XXXX '' Address '' XXXX XXXX XXXX XXXX XXXX , WI XXXX United States Have you received this order? 
No Shipment Tracking XX/XX/2020, Sent by MANUAL Status : ShippedHave you received this order? 
XXXX XX/XX/2020, Sent by USPS Status : Shipped Transaction ID XXXX Seller infoXXXX   XXXX Purchase details XXXX   XXXX {$99.00} Item # 1 Total {$99.00} The information that Paypal has is correct and we had to call the USPS to find out where that tracking number went and it is not our address nor anyone that we know. Again Paypal has closed the case and does not alow a new case to be opened or any sort of dispute. In addition to this, when we XXXX the serllers website it has since been ID 'd as a scam ( XXXX ).
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

Greetings, I am writing to lodge a formal complaint against XXXX XXXX XXXX XXXX ( XXXX ) for their persistent inaccuracies in reporting my XXXX  loan information to the credit bureaus. These inaccuracies have not only misrepresented my payment history but have also unfairly impacted my credit score. 

XXXX has reported my loan payments as late on multiple occasions. I have never missed a payment nor have I been late with my payments at any point during the tenure of my loan. The information being reported is not only wrong but appears fraudulent and completely inaccurate. This misreporting has caused significant and undue stress, as well as potential financial harm, due to the negative impact on my creditworthiness. 

I have attempted to resolve this issue directly with XXXX  on several occasions, providing them with ample evidence and requesting that they correct the information they are furnishing to the credit bureaus. Despite my efforts, the inaccuracies persist, and my credit report continues to reflect these erroneous late payments. 

Given the gravity of the situation and the potential for long-lasting negative impacts on my financial health, I am turning to the Consumer Financial Protection Bureau for assistance. 

I respectfully request that the CFPB investigate this matter to ensure that : 1. XXXX corrects the inaccurate reporting of my payment history immediately. 
2. XXXX is held accountable for the mismanagement and incorrect furnishing of consumer credit information. 
3. Measures are put in place to prevent future occurrences of this nature for myself and other consumers. 


I trust that the CFPB will take my complaint seriously and assist in rectifying this issue promptly. I look forward to your response and am hopeful for a resolution that corrects my credit report and restores my creditworthiness. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-12
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX  Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # 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 In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.
Consumer complaint received 2018-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

My husband opened a credit card with the bank 53rd in XX/XX/XXXX.. 
Their were a couple of accounts associated with this account that I know of.

My husband passed away on XX/XX/XXXX. He had this payment taken out of the checking account automatic every month. When he had passed I stopped the payment from being paid automatically out of account because of the direct deposit of monies were being delayed. 

I went to 53rd Bank in XXXX MI, the one where we have checking accounts with and sat a talked with the Personal Banker and submitted the original death certificate to her she pulled the information on the computer, and she said to me " this is not in your name it's in your husband name '' so disreguard this payment, " this is not your bill. '' She then took all the paper 's I had brought with me to show her and she shredded them also with the plastic credit cards. She was submitting the death certificate as proof. This was in the month of XX/XX/XXXX. I've received many calls from 53rd Bank stating I owe this money. I said No I do not! I've never had a credit card or charged any purchases with this account. The account number on this credit card keeps changing every 6 Months or so.. it's a lot. I've been yelled at by the collections department threaten harassed. I've called the Dispute Signed Application phone numbers a few of them No one will help me clear this up. 

I asked the Bank Managers at Two 53rd banks to just show me the signed application of my signature on the loan was told I'd have to get an attorney to open up the records, I said " Why their my records '' aren't they! 
So last month I've been torment by them and was also informed that 53rd was putting derogatory remarks on my credit score bring it down also having a 53rd account that meant I was paying them my monthly fee to do this to myself. I paid the {$620.00} they wanted which left me scraping by. 
So needless to say I closed both the checking accounts we had at 53rd Bank. 

I don't know what else to do no one seems to want and help me.
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

mortgage service company ( XXXX XXXX XXXX ) is not disbursing insurance funds for repairs caused by a faulty appliance. I have attempted to contact XXXX XXXX loss mitigation office on 5 separate occasions and was told they do n't have the necessary files and that they have recently taken over the handling of the loss. I was asked to call back in a couple days and this has gone on over two weeks. I requested they expedite the matter and was told they had no information and to call back.
Consumer complaint received 2021-10-05
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. (WI)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like i am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

I have my city card my credit line was for {$4700.00}. I had a credit of {$43.00}, and I made a payment of {$1000.00} the XXXX of XXXX, 2024 trying to lower the balance of the credit card. The XXXX of XX/XX/2024 when I go check my credit card I see I only have a balance of {$72.00}. Automatically I see an email Citi bank sent me on XX/XX/2024 that they decided to lower my credit line to {$4000.00}. When I called the bank to see what happened with my money they said my money was not there because they lowered my line of credit. I don't understand how a bank can take your money without letting you know they will take it without giving you a notice. Your money disappears and they tell you it's nothing they can do. I asked to talk with supervisors trying to come to an understanding, I asked them to explain every detail in my account, they couldn't give me any details in my account. Saying they have to wait until the statement arrives at my house, I'd really appreciate if you helped me out because it is hard working hard to pay your card and then suddenly your money disappears without receiving a notice. I will send attached pictures, photos of proof from the email I did my payment and when I received the email, proving that it was sent to me after making my payment. I will not send a photo of the statement because I have not received it yet.
Consumer complaint received 2022-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

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 endeavor to tell Transunion that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Pursuant to Section 605B of Fair Credit Reporting Act these unknown item must be deleted : XXXX XXXX XXXX, XXXX XXXX DELAWARE XXXX .... Date Opened XX/XX/2020 Balance {$1000.00}
Consumer complaint received 2020-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2018-02-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (VA)

I applied for a loan of {$500.00} online on XX/XX/2017. The page with the terms of the loan would not load until I electronically signed it. It finally let me see the terms after the money was deposited the next day. I also believe that this was an illegal loan offer for a Virginia resident even though they claim tribal immunity. Tribal law should not apply. Other payday loan companies such as XXXX XXXX XXXX and XXXX are no longer allowed to offer loans to Virginia residents because Tribal law doesn't apply and is illegal in this state. My interest rate was a whopping 474.8426 apr. My first ten payments of {$100.00} biweekly all went to interest. I paid a total of {$1700.00} in interest on this {$500.00} loan. I asked for a refund for the interest amount because I should only be responsible for the principal. I was denied.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (RI)

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

Account : XXXX  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 an 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.
Consumer complaint received 2020-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ARS National Services, Inc. (OH)

XXXX bank agreed to close my account in 2019 and refund me for my XXXX after making the balance XXXX on my credit card. They kept it open. And never send me a check for reimbursement. They are now trying to Give my debt to a debt collector. I agree to none of this debt and they still have my {$200.00}. I had 2 reversed payments and they closed my account but all along kept it open and it is damaging my credit.
Consumer complaint received 2019-05-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (WA)

I requested the PMI insurance on my loan to be removed. I followed my lender Quicken loans process, which involved filing a request with a personal check. I was told they would assign an appraiser who would contact me and set up a time to appraise the property. 

I was contacted by the first appraiser and we spoke on the phone. The property is rented and managed by a local property management company. I gave him all the information, it is required by law, that the renter be notified before access to the property is available.The dates i spoke to the first appraiser were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019. The appraiser, the management company, and myself were all working together, when the company that employed the appraiser cancelled the appraisal! I was notified by Quicken loans that this was done because the appraiser was unable to make contact with me, which was a lie. 

A second appraiser was assigned who i spoke with on XX/XX/2019. We had a conversation and i texted her the information on the same property management company with every detail to facilitate the appraisal. The rep for the management company called her on Monday XX/XX/2019, sent her an email, and i texted her. On the same day i got another email from Quicken loans stating that the appraiser was unable to contact me, and unless the appraiser heard from me in a week, they would ( again ) cancel the appraisal to remove my PMI insurance. I spoke with Quicken loans, and the appraiser. Both appraisers said they had no idea why i was being told they had no contact from me. On XX/XX/XXXX, two days after the email saying i had a week to make contact with the appraiser, which i had done, i was notified the lender had again canceled the appraisal. This was done after repeated conversations and a firm upcoming time to inspect the property in less than a week! 

Quicken loans said they had no idea, and would again assign me a appraiser, and would not provide me the name of their third party contact who apparently had ordered the appraisals to be canceled before they could be done.