davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Better Mortgage, Inc. (TX)

Better Mortgage originated my home loan and now I'm receiving mortgage bills from 2 separate servicing lenders : XXXX XXXX XXXX and XXXX XXXX XXXX. Not only am I receiving bills from both, but my credit report shows that I have 2 separate mortgages. I only own one home. I've attempted to contact the lender about this but they said they couldn't answer my question.
Consumer complaint received 2020-06-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Data Systems (NC)

I sent a validation to this company via certified mail and I received a response however it did not validate that this debt was mine and that they were actually allowed to collect on a debt that has not been confirmed as mine. I receive nothing from them that they are required to send to prove that this is accurate and my debts. However I received a bunch of statements with services and procedures. They are also reporting on my credit reports and they are adjusting the amounts that i supposedly owe in order to re-age this inaccurate and unverified debt.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I discovered identity theft on my credit report ; Experian, XXXX, and XXXX shared my info without consent, violating 15 U.S.C. 1681. The Fair Credit Reporting Act ( FCRA ) protects consumer rights, breached in my case. I kindly ask that you urgently remove inaccuracies per Section 612 in 15 U.S. Code 1681 and send a no-cost updated report to my address. I have included my identity theft report ( which details each listing in dispute ), my social security card, IDs ( drivers license and passport ), and statement- as requested to prove my identity to validate my claims and requests. Thank you.
Consumer complaint received 2017-01-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo previously provided a variety of options that allowed users to schedule the frequency and amount of mortgage payments. 

Recently, Wells Fargo redeisgned the interface of their website and this functionality is no longer present. 

Despite the fact that Wells Fargo acknowledges these features are missing, they continue to reference them on their website. This is misleading to current and prospecting mortgage customers. Additionally, removing the ability to change how mortgage payments are made without notice, after the feature had been implemented for some time, may have an appreciable cost to mortgage customers who are no longer able to adjust their payments.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Subject : Request for Assistance with Credit Report Issue Involving XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to seek your assistance regarding a critical issue with my credit report involving XXXX XXXX XXXX, specifically related to my home loan. 

My name is XXXX XXXX XXXX, and I reside at XXXX XXXX XXXX, XXXX, XXXX, XXXX. My contact number is XXXX, and the loan in question is number XXXX. 

Currently, I am in the process of selling my home and purchasing a new one, primarily due to the high interest rate on my existing mortgage. In this endeavor, I have been collaborating with the Loss Mitigation department and the VA, diligently following a mutually agreed-upon plan. However, I have encountered significant discrepancies in my credit report. 

Upon review, I found several derogatory marks and an erroneous listing indicating a missed payment for the previous month, even though I have made the payment. This error is detrimentally impacting my credit score, hindering my ability to secure a new mortgage for another home. Without resolving this issue, I risk defaulting on my current mortgage. 

In light of these circumstances, I am reaching out to the CFPB for support in rectifying these inaccuracies with XXXX XXXX XXXX. Your intervention is essential to ensure my credit report accurately reflects my financial conduct and assists in my housing transition. 

For reference, the contact information for XXXX XXXX XXXX Mortgage Assistance Department is as follows : - Phone : ( XXXX ) XXXX - Email : XXXX - Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX - NMLS # XXXX - Website : XXXX I appreciate your prompt attention to this matter and any assistance you can provide. Please feel free to contact me for further information or clarification as needed. 

Thank you for your time and support. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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

XXXX 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 has violated my rights. Or list of inquiries 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

In XXXX of XXXX I was sold a car and remained current on my monthly payments until XX/XX/XXXX because of being negatively affected by the pandemic. My hours at work were cut down to XXXX. With the passing of the Cares Act, I have become aware that the creditor must report the status of my account as current if an agreement was made after I became delinquent and that agreement was fulfilled.

I have documentation of communication and agreement with the creditor. believe that the creditor wasnt aware of the Cares Act, which is a recent law that included provisions to bring fairness to people that were negatively affected by the pandemic. 

Timeline of Events and Agreements In XX/XX/XXXX the car broke down for the XXXX time from the time I bought it in XX/XX/XXXX. I immediately informed the creditor that I would be forced to voluntarily surrender the car. My hours at work had been cut due to covid and the car needed constant repair. 
Per the creditors request I had the car towed to them and was told the next step was it would be auction. I was told I would receive an Explanation of Calculation of Deficiency in the mail. I did not receive that notice until XX/XX/XXXX. The creditor and I reached an agreement that settled the account on XX/XX/XXXX. I completely fulfilled that agreement 2 months early, in XX/XX/XXXX. 
The only missed payments were from XXXX XXXX while waiting to receive the Explanation of Calculation of deficiency. All payments were made in regard to our agreement. The Cares Act cites that if your account is already delinquent and you bring your account to current the creditor must report that you are current on your loan.
Consumer complaint received 2020-05-11
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. (NC)

I filed a dispute with transunion on XX/XX/XXXX and XX/XX/XXXX with transunion According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, I never receive correspondence from transunion
Consumer complaint received 2017-03-10
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (WI)

OneMain Financial refuses to reclaim collateral that was discharged in my Chapter XXXX bankruptcy or release the lien on the collateral. I have contacted them several times and they continue to refuse reclamation or release of the lien. When informing them I would be returning the collateral at my own expense to their branch office as suggested by my Attorney they threatened I would be responsible for any fees they incur to move, store, dispose of the vehicle. 

I am not responsible for this legally discharged debt. OneMain is being vindictive by not reclaiming the collateral or releasing the lien so I can dispose of the collateral.
Consumer complaint received 2021-10-31
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. (MN)

In XXXX of XXXX I was sold a car and remained current on my monthly payments until XX/XX/XXXX because of being negatively affected by the pandemic. My hours at work were cut down to XXXX. With the passing of the Cares Act, I have become aware that the creditor must report the status of my account as current if an agreement was made after I became delinquent and that agreement was fulfilled.

I have documentation of communication and agreement with the creditor. believe that the creditor wasnt aware of the Cares Act, which is a recent law that included provisions to bring fairness to people that were negatively affected by the pandemic. 

XXXX of Events and Agreements In XX/XX/XXXX the car broke down for the 3rd time from the time I bought it in XX/XX/XXXX. I immediately informed the creditor that I would be forced to voluntarily surrender the car. My hours at work had been cut due to covid and the car needed constant repair. 
Per the creditors request I had the car towed to them and was told the next step was it would be auction. I was told I would receive an Explanation of Calculation of Deficiency in the mail. I did not receive that notice until XX/XX/XXXX. The creditor and I reached an agreement that settled the account on XX/XX/XXXX. I completely fulfilled that agreement 2 months early, in XX/XX/XXXX. 
The only missed payments were from XXXX XXXX while waiting to receive the Explanation of Calculation of deficiency. All payments were made in regard to our agreement. The Cares Act cites that if your account is already delinquent and you bring your account to current the creditor must report that you are current on your loan.
Consumer complaint received 2024-02-21
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. (PR)

I reviewer my consumer reports an noticed tha i had two late payments on an account that i was never late three. The consumer reporting agencies have assumed a vital role and have a reposibility to report consumer information to the best of their ability wiht maximum accuracy.I have never been late on payments for the accouts tha i have included screenshot inside thie complaint in on dates of [ XX/XX/year> ]. Please invetigate and provide proof with statements showing that these payments were late. If proof can't be provider I demand these payments be updated to paind as agreed on time as they should be due to the fact i was never late. XXXX! Please see screenshot attached :
Consumer complaint received 2021-10-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (KS)

I contacted PHH Mortgage to do a refinance of my mortgage. After collecting some information from me about my mortgage, PHH mortgage specialist XXXX told me she could lower my interest rate. The rate would change from 5 percent to 2.75 percent. Then she proceeded to tell me that I had a modification on my current mortgage that extended the terms of my loan to 40 years. So if she proceeded with the refi to lower interest rate from 5 percent to 2.75 percent, my mortgage would only decrease by XXXX dollars. I then contacted PHH mortgage and spoke with another person who told me I only had 15 years left on my mortgage. PHH refuses to allow me to lower my interest rate, I wonder how many other minorities loan holder are treated this way, I spoke with mortgage company on XXXX or XXXX XX/XX/2021.
Consumer complaint received 2024-02-21
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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 2024-02-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am disputing the late payment accounts listed on my credit report due to a tragic event that affected my finances. The associated banks have agreed to remove them under these circumstances. Upon contacting the banks, I talked to someone within the company to confirm the documents had been received and they informed me that they never receive documents from the CFPB. 
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 Additionally, I've discovered inaccurate information on my reportan incorrect address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2021-10-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: E*TRADE BANK (VA)

E*Trade Bank Issue - Complaint - I have both banking and brokerage accounts with E*Trade Bank and there is no way to get in touch with them for a Customer Service issue. They do not staff the customer service numbers with automated or live persons. 

The issue- My account has been restricted because of suspicious activity, which is helpful to protect my account, despite the fact I initiated and authorized the XXXX XXXX transfer from my banking account. I received messages that I have to call them to discuss the issue and un-restrict my accounts and I can not get a person to answer the customer service phone numbers. I've tried every number available from my cell and land lines. I've been on hold for over 7 hours over the course of two days. There is no live chat available, despite it being offered as a link, no we'll call you back option, and no email address available to contact them.

How can this be when banking access and brokerage access is critical to modern life. I would like to close my five accounts due to this horrible non-responsive non-existent customer service but I am unable to reach a person for access to my funds and accounts. 

All the while E*Trade is completing a merger and providing egregious bonuses to their Corporate level executives. Please help? Thanks.
Consumer complaint received 2020-05-11
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: Experian Information Solutions Inc. (PA)

EXPERIAN FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN THE 30 DAY IVESTIGATION PERIOD. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my XXXX dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after XXXX written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2021-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (VA)

Paypal sent me a notification of some upcoming changes to their user agreement, but doesn't give users a way to see the full text of the agreement, only a basic description of what topics the changes to the agreement would affect. 

I talked with a customer service rep, and a supervisor, and they said the full text wasn't something they could give me.
Consumer complaint received 2016-04-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Remex, Inc. (NJ)

lab bill sent - lst time receiving any bill now stating collections dept of justice federal investigation into allegations of fraud, conspiracy and physician kickbacks between XXXX labs and my XXXX physician. I am disputing theses debt because I do not owe them. the office of my XXXX physician voluntarily elected to send my XXXX to creditors XXXX labs I never enterd any XXXX contract or agreement with them .upon the submission of my health insurance card to my physicians office it becomes their responsibility as network provider to submit any services to the appropriate in network lab. any practice to submit to out of network lab was beyond my control and was without my authorization
Consumer complaint received 2024-01-12
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. (NJ)

My name is XXXX XXXX, and this statement is being composed by me. In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed on this report should not be furnished on my reports. FCRA Section 604F prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report and is obtained for a purpose for which the consumer report is authorized to be furnished under FCRA. FCRA Section 1681S-2 also states, that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or is consciously avoids knowing the information is accurate. Lastly, 15 USC 1681-4 consumer reporting agencies have assumed a vital role in assembling a reevaluating consumer credit. There is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumer 's right to privacy along with accuracy. The following are unauthorized inquiries ; XXXX XXXX XXXX
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of the account with the original creditor which show 2 completely different balances. Furthermore, the original creditor stated that the account was sold to the XXXX XXXX. This debt you are claiming on my credit report is not mine and I was given no evidence of my obligation to pay this debt to this collection agency named XXXX XXXX. The FCRA requires you to verify the validity of the item within 30 days in which you failed. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under then FCRA. I look forward to an uneventful resolution of this matter.
Consumer complaint received 2017-10-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

LAST YEAR BACK IN XXXX I HAD JUST RECENTLY ASK FOR A PAYMENT PLAN BECAUSE THE SCHOOL NEVERED FOUND ME JOB SINCE I GRADUATED BACK IN XXXX. BUT I HAVE BEEN IN FINACIAL HARDSHIP & WITH XXXX KIDS IS HARD. THEY PUT ME ON A PAYMENT PLAN WHICH I WAS PAYING {$50.00} DOLLARS A MONTH THAT THEY SAID THEY NEVER RECIEVED FOR 3 YEARS STRAIGHT AND THEY STOP CALLING. SO WHEN I FILLED MY TAXES THIS YEAR THEY TOOK XXXX DOLLARS FROM ME. I DONT KNOW WHAT GOING ON I NEED HELP PLEASE.