davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (ME)

For two or so years I have been trying to get a modification on my mortgage. I became ill and got behind for two years they ask for paperwork and applications. I always get a letter saying my package is complete and a few days later they request a copy of something I already sent or they cant find it or read it. I started emailing a copy, and sending the original by mail. Still they loose something. They also request updated financial records cause it takes so long that the dates expire. I got so frustrated I got an attorney to send a copy also. Still they pulled the same stuff on them. Mind you the clock is ticking and Im closer to foreclosure. I went to my second to last court date where I was informed by their attorney that I wasnt approved because they didnt have my taxes. One thing they never asked for. I was also Informed I missed out on qualifying for an Obama loan and a loan for XXXX people. Plus I coulda got a streamline loan back when I was 3mos behind but I was never Rd offered one and didnt know it existed! but now its too late. I was given an extra month to get financing done if I agreed to sign a paper letting them foreclose. I didnt get a modification even though this time they had my taxes, in fact I was sending the papers by email and was blocked and found out I had to send the papers in a PDF. I told them by phone I would have my attorney do it. Which they did 3days later. I got an e mail the same day I was blocked thanking me for the paperwork and saying my package was complete an it could take a while before they made a decision. I sent a reply saying how amused I was cause they blocked my paperwork and my attorney was going to send it to them in the next day or so, I also added that my package couldnt be complete cause it was never recieved! Shortly after I was denied. I called and asked why cause the email they send with the reason was encrypted and I couldnt open it. I was told that it costs the company a lot of money each time they do a modification and they had no intension of approving it. Now I am trying to get a new mortgage but because my house is my place of business no one will give me a mortgage and I shouldnt have gotten one, I should have got a business loan. My current loan with OCWEN only shows the house the Barn an indoor arena dont exist per the way the Mortgage was written. I have till XXXX-17 to get a new loan of some sort either business or personal loan to catch the payments up. HELP!
Consumer complaint received 2024-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CT)

In XXXX, the Comenity Capital bank ( The Childrens Place ) placed an account in collections through " The Bureau '' claiming that the card and the debt belonged to me. I submitted a claim with the CFPB,, also with the original creditor as well as the debt collector requesting a cease and desist if the creditor or the debt collector could not provide me with the original instruments of account opening, including but not limited to, the identification card used to open the account and any contracts bearing my signature. Once that information could not be furnished, the Bureaus had no choice but to remove the account from my credit report as well as comply with the cease and desist order. The collection account was removed from my credit report. 

Subsequently, in XX/XX/XXXX, the Comenity Capital bank re-sold this debt to a different debt collection company, XXXX XXXX, placing this account in collections on my credit report. Since then, they have not furnished me with any information or documents to validate this debt, yet their practice of placing an unsubstantiated debt on my credit report without notifying me or validating the debt is illegal as per FCRA guidelines. 

I am requesting a complete cease and desist order against Comenity Capital bank from outsourcing this debt to any other collection companies until they can properly authenticate this debt as belonging to me. I am also requesting that XXXX XXXX remove this derogatory account from my credit report. I have contacted Comenity Bank as well as XXXX XXXX. 

They continue to send me statements of the account but have failed to validate the debt as belonging to me. I have requested an application bearing my signature and a copy of my identification proving that I was the party that opened the account. So far they have not provided me with this proof. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging my credit rating.
Consumer complaint received 2021-05-06
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. (PA)

I have filed an identity theft report I need this fraudulent inaccurate information off of my credit report. This is hurting my family as well from purchasing a home. We are running out of options cant get a home and will eventually cause my family to be in a homeless shelter. Please help. I contacted this company several times by phone and by mail with still no progress. 

XXXX XXXX XXXX XXXX {$660.00}
Consumer complaint received 2019-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MI)

I am having issues using my XXXX XXXX XXXX XXXX and XXXX XXXX payment of interest during my time of service with my student loan provider ( FedLoan ). I submitted an interest payment request through my.americorps.gov portal on XX/XX/2019 and it still shows " pending institution action, '' institution being FedLoan. I  sent an email to FedLoan last week about this issue and have not hard back. Before my student loan provider was switched to FedLoan, I had no issues with XXXX processing requests very quickly from my.americorps.gov XXXX. I worry about how long this request has taken and how it will impact possible capitalized interest.
Consumer complaint received 2023-01-18
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. (CT)

I discovered that some of the items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CO)

This conventional interest only loan was originally 9 % through XXXX XXXX. The loan was sold to XXXX XXXX XXXX, Nationstar and Mr. Cooper. I applied for a loan modification with Mr. Cooper after a car accident caused a brain injury in XXXX, 2014. At the same time that the loan was being sold so many times, there were property damage claims for a roof and other hail damage that were paid by XXXX XXXX XXXX. These checks were signed by me and sent to the mortgage company that currently serviced the mortgage at that time. The total of claims were approximately {$19000.00} and the checks were never returned to me so that I could pay the contractors who completed the work. 
I believe that this was a conspiracy to defraud me by XXXXXXXX XXXX XXXXXXXX XXXX, Nationstar, Mr. Cooper and the investor to bring about the foreclosure of my property. I have uploaded proof of my attempts to recover the claims funds from the servicers over the years. I request that the foreclosure be suspended until I receive the funds in dispute. Lender should not be able to get away with defrauding people in this manner. Please help me!!!
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: EQUIFAX, INC. (FL)

The Credit Bureaus stated the below accounts were properly investigated from letters sent certified mail on XX/XX/2022 but how is that possible if the open dates are inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate. This is grounds for immediate removal of all accounts. They also violated my rights under 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.

I have not given these accounts written permission to furnish these accounts on my credit report. 

XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX  Acct # XXXX, has violated my rights XXXX XXXX XXXX  Acct # XXXX, has violated my rights XXXX XXXX XXXX  Acct # XXXX, has violated my rights XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX XXXX  Acct # XXXX, has violated my rights XXXX XXXX XXXXXXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX  XXXX Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights XXXXXXXX XXXX XXXXXXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct # XXXX, has violated my righ

ts 15 U.S.C 1681 section 602 A. States I have a right to privacy. 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 the records of convictions of crimes which antedates the report by more than 7 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TD BANK US HOLDING COMPANY (NY)

The following occurred On XX/XX/XXXX, my account balance went below {$100.00} On XX/XX/2020 I was charged {$15.00} for balance under {$100.00}. This is fine and I accept that. I then increased my balance to {$120.00} from XX/XX/XXXX onwards However, the {$15.00} maintenance fee on XX/XX/XXXX reduced my balance from {$100.00} to {$86.00} and triggered a different {$15.00} fee on XX/XX/XXXX. 

Thus the XXXX {$15.00} fee caused a second fee of {$15.00} in XXXX and in effect might be a violation of UDAAP or at the very least bad customer service.
Consumer complaint received 2024-03-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

Ive received multiple notices from XXXX XXXX XXXX about an outstanding balance that is not mine. I opened a new account with XXXX with XXXX separate phone lines in XX/XX/XXXX. I received XXXX new phone numbers at the time of purchasing because I didnt have number transfer pins at the time. Within a week I had all my old numbers ported over and all the phone numbers they provided should have been cancelled. I started receiving notices about an unpaid account beginning XX/XX/XXXX. I spoke with XXXX on multiple different occasions and each time I was told that the debt wasnt mine and that I could just ignore it. On XX/XX/XXXX, I received a collection notice from Transworld Systems Inc, a debt collector, stating they are now attempting to collect a debt on behalf of XXXX.
Consumer complaint received 2022-04-07
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: Experian Information Solutions Inc. (AZ)

n accordance with the Fair Credit Reporting Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2020-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (AR)

I have an American Express card with the plan it pay it option. I made the minimum payment towards the " plan it '' balances. There was also a charge from regular card use of XXXX that was not part of the " plan it '' balances. When this charge had posted I was given the option to hit the " pay it '' button to make a payment for that specific charge so it would not increase my minimum payment for the next month. They applied that payment along with the minimum payment to the " plan it '' balances. This increased the minimum payment for this month by XXXX. Their explanation as to why the payment made specifically for the extra charge in its exact amount wasn't applied to it is because they can apply however they want because the statement wasn't generated yet. This makes no sense since I was given the option to apply a payment for only that charge and any balance can be paid before a statement is generated. I know this because I get many statements with a XXXX balance even though there were charges in the statement period. Everyone I talked to with customer service department said they saw the problem and sent me to the plan it department saying they could fix it. As soon as I got to the plan it department they would go into a long explanation of why they weren't going to fix anything. I got passed back and forth like that for a while until the plan it person sent me to their supervisor of some sort that started with the same long explanation. AMEX needs to get their stuff straight and figure out who is in charge of what instead of constantly passing the buck around.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The Credit Bureaus stated the below accounts were properly investigated from letters sent certified mail on XX/XX/2022 but how is that possible if the open dates are inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate. This is grounds for immediate removal of all accounts. They also violated my rights under 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. 

I have not given these accounts written permission to furnish these accounts on my credit report. 

XXXXXXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX Acct # XXXX, has violated my rights FXXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX  Acct # XXXX, has violated my rights XXXX XXXX  XXXX Acct XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights XXXXXXXX XXXX XXXXXXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX  Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

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 the records of convictions of crimes which antedates the report by more than 7 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX at XXXX XXXX, I made a deposit of {$15.00} at the drive-thru ATM of the Wells Fargo branch on XXXX XXXX XXXX in XXXX, GA, using the tap method. On Monday, XX/XX/XXXX, I checked my online transactions. Along with the ATM deposit that I made there was an ATM withdrawal for {$1000.00} made right after the deposit. I did not make the {$1000.00} withdrawal. I contacted Wells Fargo Corporate to file a claim. The claim number is XXXX. At that time, I also had them suspend my debit card and mail me a new one. Thursday, XX/XX/XXXX, I called to get a status on my claim. I was told that the claim was denied. I was not told why, but it was suggested that I file a police report. I filed the police report that day. I was also notified by mail a couple of weeks later that Wells Fargo denied the claim. I made contact via phone with Wells Fargo two additional times, to get an explanation and to urge them to look at the ATM video footage. The letters from Wells Fargo state that my claim was denied because the chip in my card was used for the withdrawal in question. My contention is that I neither requested a withdrawal of {$1000.00} nor did I receive {$1000.00}. I feel that the footage will show that I was not the person that made the withdrawal. Both times they denied the claim ( without viewing the footage ). I was notified by letter of the denial. The letter stated that they would only release surveillance records if there was a subpoena or court order. I provided the police with the necessary information to secure the subpoena on XX/XX/XXXX. On XX/XX/XXXX, I was told by the detective that he still had not received the surveillance footage from Wells Fargo.
Consumer complaint received 2021-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED BANKSHARES, INC. (WV)

During 2020, my bank account has been charged upwards of {$1500.00} in overdraft fees. 
I have a bi-weekly direct deposit. This has created vicious cycle & many financial woes. 
I have tried to explain that during a pandemic, my bank should also be willing to assist like many other financial companies. 
I would like them to consider refunding more than one or two fees. 
I have also been charged overdraft fees when I make a transfers between my account at the same institution.
Consumer complaint received 2019-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

PennyMac Mortgage Service I have paid this loan off XX/XX/2019. As well XXXX XXXX same day. For some reason PennyMac is still lacking on reporting my Mortgage still open and not paid off or closed. Why? I have at least contacted them at least over 4x. Have no clue why they do not resound.
Consumer complaint received 2017-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX va for XXXX XXXX was offered to get there student loans forgiven because the lack of jobs XXXX promise is wasnt true we suffered from lack of employment and now theses loans are missing with me bettering myself with XXXX kids in my life and its not fair for me to struggle after I went to a school with broken promises and graduated on the deans list
Consumer complaint received 2021-12-03
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2021-03-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (GA)

XX/XX/2020 : I received a letter correspondence from my mortgage company stating that I was qualified for the home modification process. 

The following week I received a call from the mortgage rep confirming that I was qualified for the mortgage modification and was given specifics on how much my interest rate would be and the total amount due each month, starting in XXXX. 

I then proceeded to inform him that those figures were not on the correspondence that I received from the mortgage company the previous week. His next words to me had me wondering about M & T. 

He stated to me that the letter was incorrect. It could be an advertisement, and if not, it was sent out in error. With my insistence of the validity of the correspondence I received from M & T he asked if he can put me on hold and check with his supervisor. 

He then came back and stated " oh yes I see it, but that was sent in error '' " we don't offier that rate anymore. 

He could not tell me who sent it out, when did they stop offering that rate. 

What was intriguing its the amount that I did mention in previous conversations that is feasible. 

I am not quite sure where do I go from here. Do I pay the amount they are telling me over the phone or the amount that is listed on the correspondence from them. 

I was told if I do not start payment I would forfeit my modification. 

Can they change their minds in the middle of the modificaiton? 
Do I believe any of the correspondence that I have received from them? 

I believe they should be held accountable for the information in the correspondence.
Consumer complaint received 2020-11-23
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: TRANSWORLD SYSTEMS INC (FL)

I had a billing dispute with my old apartment complex in terms of an alleged past due balance. I had to relocate for work. I specifically requested a complete breakdown of charges in writing and never received a response. Now this alleged debt is showing up on my credit report.