davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (AR)

We paid our mortgage w ck # ending in # XXXX. Our servicer Select portfolio Servicing, processed the check twice. ( A total of 3 payments debited, intended to pay 2 ) The same check number cleared our account and was debited twice. We called servicing to correct the issue. We asked to send in the documentation to show where the ck had cleared. I sent in my account statement to show where the duplicate payment was made. I was told that the payment would be applied to my XXXX payment. It was not applied. I am now 30 days behind due to the payment not being applied correctly. I have called and spoken with multiple people who say no notes have been made and each call I send in documentation. Each time I'm told it will be fixed. I have been told that they are way behind and it will be another 30 days each time I call in. I now have a 30 day late payment and late notices due to non payment on my mortgage. I am attaching my bank statement to show where the money was duplicated and debited.
Consumer complaint received 2022-08-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

My name is XXXX XXXX, Im in my late XXXX, and trying to reach out to this debt buyer and the three Credit Reporting Agencies has been the most difficult task I have ever encountered.

Im desperate. 

I know the CFPB has inroads so please take this nightmare away from me and to them! 

THIS DISPUTE IS REGARDING ORIGINAL LENDER : XXXX XXXX  Acct XXXX in the amount of {$2600.00}. 

This trade line just appeared on my credit report. I explained it was probably a credit mix up and asked to have it removed. But my request was completely ignored. 

It was never my loan. I never applied for it and never received it. As a matter of fact, I was told that not a single payment was ever made on that note. 

I got an email offer in XXXX via email to settle the amount for {$260.00}. 

I accepted because I was tired of the calls. Every morning, before I got up they were already calling! 

But it should not be that way. The information on there is supposed to be accurate and they have a legal obligation under the Fair Credit Reporting Act 's Furnisher Rule. 

The FTC enforces the rule, and has guidance about responsibilities to furnish information that's accurate and complete, and to investigate consumer disputes about the accuracy of information they provide. 

For 26 months I have tried to have this debt either validated or deleted and Ive achieved neither. 

When NATIONAL CREDIT ADJUSTERS, a debt buyer, bought the bad debt they wanted the full {$2600.00} paid by me no matter what I said to them. 

I mailed 4 letters via USPS CERTIFIED AND RETURN RECEIPT to NCA from XX/XX/XXXX to XX/XX/XXXX. 

For 26 months I asked them to either validate the debt or delete it from my files. 

They ignored me and the debt remains on all 3 credit reports. 


XX/XX/XXXX I mailed XXXX, XXXX AND XXXX a letter stating my intent to sue. 

I hope that there is resolution between NCA and I. 

Ideally, CRAs will now investigate this reported debt, see it is not mine and delete it OR let me know their findings instead of shooting a VERIFIED with no explanation or source. 


Enclosed is documentation supporting my request : the letters mailed over the last 26 months ( although they did nothing to help ). 

Please investigate this matter and delete the disputed item as soon as possible. 


Sincerely, XXXX XXXX Enclosures : XX/XX/XXXX Validation Letter mailed via USPS CERTIFIED RETURN RECEIPT XX/XX/XXXX INVESTIGATION REQUEST # XXXX XX/XX/XXXX XXXX Validation Request explaining why Letter from NCA did not satisfy XX/XX/XXXX Investigation Request # XXXX XX/XX/XXXX Letter to NCA XX/XX/XXXX Letter to NCA XX/XX/XXXX NOTICE WRITTEN & MAILED VIA USPS WITH EXPLANATION FOR INTENT TO FILE SUIT XX/XX/XXXX ONE MORE SHOT AT RESOLUTION WITH CFPB
Consumer complaint received 2024-02-05
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. (OH)

There is information on my consumer report that is a result of identity theft. Per 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 resulted from the 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! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. Please delete these items listed below IMMEDIATELY! ADDRESS XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX ACCOUNTS/INQUIRES/ COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX| XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose 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 behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what I am asking of you and delete these accounts listed above. I look forward to your response. Thank you. XXXX : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-26
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. (SC)

I have been trying to get the 3 major credit bureaus to investigate these accounts that don't belong to me, I have not yet received verification from anybody at XXXX, XXXX or Experian since last year. the following accounts below are not my accounts 1. XXXX XXXX acct # XXXX 2.XXXX XXXX accts # XXXX XXXX 3. XXXX XXXX Bank acct # XXXX I requested that the only name that needs to be reported on my XXXX, Experian, and XXXX  credit file should only be AS FOLLOWS, and they never removed fraudulent names from my report as requested, my name as followed should be only name. 
1. XXXX XXXX XXXX I requested that these address be removed because they're fraudulent addresses as follows and never received validation from XXXX, XXXX and Experian 1. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX SC XXXX 3.XXXX XXXX XXXX. XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, NC XXXX
Consumer complaint received 2019-08-26
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. (SC)

I have been trying to get the 3 major credit bureaus to investigate these accounts that don't belong to me, I have not yet received verification from anybody at XXXX, Equifax or XXXX since last year. the following accounts below are not my accounts 1. XXXX XXXX acct # XXXX 2.XXXX XXXX accts # XXXX XXXX 3. XXXX XXXX Bank acct # XXXX I requested that the only name that needs to be reported on my XXXX, XXXX, and Equifax credit file should only be AS FOLLOWS, and they never removed fraudulent names from my report as requested, my name as followed should be only name. 
1. XXXX XXXX XXXX I requested that these address be removed because they're fraudulent addresses as follows and never received validation from XXXX, Equifax and XXXX  1. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX. XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, NC XXXX
Consumer complaint received 2022-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

Starting on XX/XX/2021. Someone went into a Chase Bank in or near the suburb of XXXX to deposit for checks of XXXX and made a withdraw of XXXX. The checks were not written to anyone on the account and were not endorsed properly. We contacted Chase and file a dispute which was supposed to get settled because of the mistake of Chase Bank and potentially an employee ( s ) of theirs.I did not request nor was involved in that transaction and when Chase was informed, based on my experience, failed to investigate and remedy this situation. 

Next, according to the XXXX police department they came to my parents and sister place asking about this transaction and inferred we stolen or committed a crime. I am alleging that an employee or Chase bank gave my families and my personal information to the XXXX police department. The police did not have a warrant or any type of court order. How did the police get this type of information. I am requesting an investigation into all employees of Chase Bank who have access my account information and all information of my family connected to this account. Furthermore, Chase has not reached or mailed any type of information. The police departments have been targeting certain groups unfairly and this type of behavior from Chase, allegedly, is uncalled for.
Consumer complaint received 2019-08-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NY)

i got a notice that I had till XX/XX/XXXX to respond - i am working on my response since the problem is now going into it's second year and i paid the disputed amount to the store just to stop the penalties and late fees for an item i did not order, sent back and was charged for, i havve spent hours of time and postage in trying to get a resolution to their stealing my money and now want almost {$200.00} from me for an item i did not order, returned, and gave up and paid for - a bit {$9.00}. 
this is shameful. 

You have 60 days from when the company responded to your complaint to provide feedback. You now have until XX/XX/XXXX to complete it. 
COMPLAINT ID XXXX-XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit card or prepaid card ISSUE Advertising and marketing, including promotional offers
Consumer complaint received 2019-08-26
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: EQUIFAX, INC. (OH)

I am writing this due to non-compliance with ( Equifax, XXXX, XXXX ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law
Consumer complaint received 2019-08-26
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. (FL)

Multiple accounts are reporting on my credit reports, that are incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX   XXXX
Consumer complaint received 2018-02-10
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OH)

XXXX XXXX XXXX is lowering my credit score by raising my credit utilization. I have never missed a payment. Paid XXXX dollars and then they lowered the available credit amount. credit limit before was XXXX or XXXX now its XXXX. I was wanting to improve my credit utilization to buy a home. I also made payments on my other credit accounts that was going to improve my credit score. I called and they hung up the phone. account is XXXX XXXX
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. (KY)

I've sent several letters to XXXX  to request debt validation documents and the company has not provided me with any documentation that supports any derogatory marks are valid. They only update remarks with limited information on how they validated the account. The first letter was sent out on XX/XX/XXXX and I received no response. The second letter was sent XX/XX/XXXX and still received no verification documents. I called XXXX  the third week of XXXX which they claim they never received not one of my letters until I talked to a manager and he claimed my letters were received and being handled. Still haven't heard anything from XXXX. XXXX XXXX  accounts should be removed immediately as these accounts were reported fraudulent on XX/XX/XXXX and removed..
Consumer complaint received 2019-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing this due to non-compliance with ( XXXX, XXXX, Transunion ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I've sent several letters to TransUnion to request debt validation documents and the company has not provided me with any documentation that supports any derogatory marks are valid. They only update remarks with limited information on how they validated the account. The first letter was sent out on XX/XX/XXXX and I received no response. The second letter was sent XX/XX/XXXX and still received no verification documents. I called TransUnion the third week of XXXX which they claim they never received not one of my letters until I talked to a manager and he claimed my letters were received and being handled. Still haven't heard anything from TransUnion. XXXX XXXX accounts should be removed immediately as these accounts were reported fraudulent on XX/XX/XXXX and removed..
Consumer complaint received 2022-04-29
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: Paramount Capital Group, Inc. (OK)

In accordance with the fair credit reporting act XXXX  account. Paramount Capital,

has violated my rights. 15 usc 1681 Section 602 States I have the right to privacy. 15 usc 1681 Section 604 A Section 604 A Section 2 : it also states a concumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (GA)

I have a home mortgage serviced by Homepoint Financial. Every year they ask for proof of insurance even though they get a copy of it from XXXX XXXX. They are slow and inefficient and every year the harassment from them is a royal pain. Eventually they get the proof and then the issue is dropped for another 12 months. To be clear the property has never been without insurance from my XXXX XXXX, it has never lapsed. This year there was an added twist, they did not like how the insurance was titled, same title that the property has had since the loan was closed. It took me four months to get that resolved -- while that was going on, they placed forced insurance in place and an insurance escrow with a catch-up fee. I was able to get the forced coverage waived but with the new escrow and " catch up '' payment the monthly payment went from {$290.00} to over {$800.00}. When I called the first time the person, I spoke with said the payment should be adjusted to {$290.00} soon and not to make the payment and the late fee would be waived. Now it is the XXXX, the catch-up payment was finally eliminated but the escrow has not and now they want to charge the late fee. I still should not have to pay an escrow since the payment to XXXX XXXX has been made so now I have to come out of pocket for an insurance payment ( that is double what my insurance costs currently ). To date and after three more calls and one e-mail to them they still have not made the adjustment to get my payment to {$290.00}.
Consumer complaint received 2019-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (CO)

I opened a BMO Harris Smart Advantage Checking account on XX/XX/19 with a {$300.00} bonus for meeting certain requirements. I met all of the requirements, including currently living in Missouri. I previously had an old BMO Harris checking account while in Oregon that I had closed. When I signed up for this most recent Smart Advantage Checking account I was required to use my old login information instead of allowing me to create a new login. The old login used my old Oregon address and it didn't give me the option to update my address to my current Missouri address during the application. As soon as I realized that it was using my old address instead of my current Missouri address I asked them to update my address. BMO Harris is denying me the bank bonus because they are stating that my first bank statement has my Oregon address which is not a qualifying state. BMO Harris cut my first statement six days ( on XX/XX/19 ) after opening my account before the address could be changed/updated. The second statement shows my correct address in Missouri. It is not right that an old address was used for a current application and I am being denied a bank bonus although I updated it as soon as possible. If a statement had been cut 30/31 days after I had opened the account instead of 6 days later, my information/address would have been correct.
Consumer complaint received 2022-04-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (WA)

Used Venmo as a form of accepting payment and was not able to deposit Venmo balance into my XXXX XXXXXXXX XXXX account even after providing the requested documents to confirm my identity.Transaction was on XX/XX/2022 for the amount of {$2500.00} and since then Venmo has frozen my account and denied access to my funds. My user name for this account is XXXX
Consumer complaint received 2019-11-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

I graduated from school in XX/XX/XXXX. I have 2 loans on AESSUCCESS.org. One is owned by XXXX XXXX and the other is XXXX XXXX. I have been paying on these loans for almost 10 years. 

The XXXX loan is a {$5000.00} with a variable rate averaging {$50.00} a month. Using that average I have paid around {$5700.00} and my outstanding principle balance as of today ( XX/XX/XXXX ) is still {$3900.00}. So out of the {$5700.00} I paid into it, my balance has gone down only by a little over {$1000.00}. The expected payoff as of now is XXXX/XXXX/XXXX. That's over {$6000.00} dollars more I'm expected to pay for a {$5000.00} loan. 

The 2nd loan from XXXX XXXX is a {$15000.00} loan with a variable interest rate averaging {$100.00} a month. I've paid around {$11000.00} into this loan already and the outstanding balance as of today ( XX/XX/XXXX ) is {$11000.00}. So that is only about {$4000.00} drop in principle since repayment started. The expected payoff date is XXXX/XXXX/XXXX. That's another {$12000.00} minimum in payments. 

I've had no furloughs or delays in payments and have made every payment on time. Its obvious my money is not being dispersed correctly. 
As it stands on both loans, I would be paying back over double what I took out.
Consumer complaint received 2022-07-21
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. (MD)

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX  XXXX  XXXX, MD XXXX ; XXXX XXXX XXXX  XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX MD XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX I XX/XX/2022 XXXX XX/XX/2022 ; XXXX ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2020-08-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

Bank of America has been accepting payments over the phone for the last 10 years. There is a bankruptcy involved as well. Now they are refusing to take payments over the phone and will NOT answer their phone ( s ) so that I may inquire more information as to how to pay my monthly mortgage payments. Bank of America is aware that there is a bankruptcy involved and are using their PREDATORY LENDING PRACTICES again in order to take our home away. They do this on a regular basis especially when the equity gets higher, etc. Please help us not loose our home. My daughter ( XXXX XXXX XXXX ) was a  XXXX Veteran and purchased the home with a VA Loan before she passed away. Thank you.
Consumer complaint received 2020-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.