davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WI)

In response to my complaint, # XXXX-XXXX, PHH Mortgage submitted requested Power of Attorney, which is IRRELEVANT. Presented document effective XX/XX/2013. I request to provide Power of  Attorney, which pertain to the time frame from XX/XX/2013 to XX/XX/2013. In the order to justify my request I provide documents related to the Sheriff 's sale, XXXX county, Wisconsin and court orders, XXXX County Circuit court. Property was conveyed to the investor XXXX XXXX XXXX XXXX   XXXX on XX/XX/2013, Electronic Real Estate Transfer Receipt XXXX. 
Therefore, after this date neither GMAC nor Ocwen had nothing to do with the loan and the property. 

XXXX XXXX.
Consumer complaint received 2020-02-27
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. (OH)

I received a letter ( attached ) from XXXX on XX/XX/2020 which also was the response they posted on the CFPB complaint website stating that they have removed a chapter XXXX bankruptcy from my credit report with their system. Upon further investigation, they LIED not only to me but to the CFPB ( a government agency ) They are still reporting this bogus information not only on their website but also reporting it to Equifax and others. 

In a phone conversation with XXXX on XX/XX/2020 they informed me that it was still, in fact, being reported but they show the open they removed had the wrong case number and they removed that one and the one they are still reporting has the correct case number. 

I find it funny that I lodged 5 complaints with XXXX regarding this matter and they stood their ground saying the information they reported was correct. On the 6th complaint, they send the attached letter saying it was removed but it was not and they come up with the story that 2 bankruptcies were reported and THEY had the wrong number? XXXX! 

I just recently got a new insurance quote ( copy attached ) and my rate was dictated by the bogus information that XXXX has reported. XXXX  & XXXX  removed this item over 6 months ago with no problem! XXXX and Equifax are hindering my ability to get reasonable rates based on their XXXX and XXXX  reporting. 

Therefore I have had enough and retained my attorney XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MI. XXXX ( XXXX XXXX XXXX to pursue litigation and file suit against XXXX XXXX Equifax for their improper reporting practices, misleading a federal government agency ( CFPB ), money damages, court and attorney fees.
Consumer complaint received 2019-06-14
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. (GA)

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Sincerely,
Consumer complaint received 2020-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (MD)

I have a mortgage for my home in Maryland with RoundPoint Mortgage Servicing. 

On XX/XX/XXXX, {$100.00} was deposited in my Escrow account as " Interest on Escrow. '' In XX/XX/XXXX, I received a 1099INT form from my mortgage holder confirming showing {$100.00} interest earned on my escrow account. Given receipt of this 1099INT form and confirmation in my online account information, I included this interest income when I filed my calendar-year XXXX taxes and thus paid taxes on this income. 

While checking my mortgage status in XXXX, I noticed that a debit had been made from my escrow account on XX/XX/XXXX, marked as a " Miscellaneous Disbursement, '' in the amount of {$100.00}, with no other explanation for this debit. 

I called the mortgage servicer on XX/XX/XXXX to ask for an explanation. Their phone representative said that the interest payment of {$100.00} on XX/XX/XXXX was " an erroneous deposit for Maryland mortgages '' and was thus deducted from my escrow balance. No other explanation has been offered. In XXXX ( the year my mortgage originated ), I was paid interest on escrow, and there was no indication that I would not be paid interest in XXXX. According to Maryland Code 12-109, interest shall be paid on escrow accounts. 

The servicer seems to imply that the interest on escrow was a mistake, even though a 1099INT form was issued. There has been no other communication from the servicer that I should either ignore the 1099INT form or that interest may or will not be paid in the future. 

This could result in large overpayment of taxes by anyone with a mortgage with this servicer, as receipt of a 1099INT form means the filer has to include that income in his/her tax forms.
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

Hi my name is XXXX XXXX XXXX XXXX XXXX i have 3 problems in my credit report. 

1.By XX/XX/XXXX i found on my report few credit cards attemps like someone was trying to get a new credit cards ( hardinquiry ). But i didnt made this transaction lr request. The company is XXXX XXXX. I call but no one was able to really help me. I want this dissapear of my credit because i have more than 8 months that i dont ask for a new CREDIT CARD. 

2. I found a XXXX XXXX XXXX collection ( XXXX $ ) for a gym that i stop to use more than a year ago. I ask them to take off this collection but they didnt, so i talk with them and pay the due and they said they will be erase the collection like i never have it. But i see the collection ammount in XXXX  but still there and pay just to finish this quick so i dont get my credit bad. 

3. BANK SANTANDER USA ( XXXX $ ) ( PAYMENT OF XX/XX/XXXX ) missed payment. I agree with them months ago to pay few days later without affect my credit snd they agree and said its ok. Later i saw my credit with 1 MISSED PAYMENT.
Consumer complaint received 2020-02-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

My brother and I have a joint account with Chase Bank. My brother contacted Chase to dispute one charge of {$310.00} from XXXX. XXXX and weeks passed by, I noticed a claim reversal of {$350.00} from XXXX was reversed back from a Chase employee that we didnt authorize. Then another day passed by, again, another claim reversal was reversed back of {$310.00}. My brother inquired to Chase about the {$350.00} that wasnt authorized. A Chase Executive employee had open this case and it was accurate. My brother mentioned to the Chase Executive to listen to the media files of the conversation he had with the employee from the claim department. The Chase Executive confessed and stated my brother is correct and how the employee committed fraudulent activities, reversed back two charges instead of the one he inquired of {$310.00}. However, Chase has not removed the unauthorized charge of {$350.00} that was reversed back. This caused my account to go into negative and insufficient fee occurred. I also noticed they reordered transactions from highest to lowest that was already posted to my account to cause excess overdraft fees. Also, today, they took money of {$140.00} from another joint account I have with my mother to try to cover for the negative account I have with my brother. Chase are endorsing fraudulent activities from employees and not taking accountability for their actions.
Consumer complaint received 2020-02-12
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: EQUIFAX, INC. (GA)

On XX/XX/2020, I spoke with Ms. XXXX at the XXXX County Child Support office XXXX stated that this account is reporting in error. She asked me to dispute this account. As I told Equifax many times in the past that this account is not mine and all of the information reporting was inaccurate. I don't have any child support cases in Alabama ( period ). Please contact Ms. XXXX to confirm.
Consumer complaint received 2020-02-26
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. (CA)

I was going over my credit report and noticed 4 unauthorized inquiries on my Experian, and XXXX  credit report XX/XX/18, XX/XX/18. I did not, nor have I ever applied for a line of credit with XXXX XXXX XXXX.
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

As reported by XXXX my Equifax score has decreased by 116 points because of the following change. A balance was decreased by {$110.00}. Based on Equifax data dated XX/XX/19 Credit changes : Current score XXXX - Score was XXXX up until XX/XX/19 XXXX points down. 

We found 1 change to your Equifax credit report. 
Balance Decrease XXXX  Balance Decreased by {$110.00} Didn't payoff or close the account, didn't miss a payment, no collections were added, I am not using anymore credit etc. 

I have filed a previous complaint of inaccurate reporting. I am hoping this is not retaliation from the powers that be. Even multiple hard inquiries won't decrease a score by XXXX points. What is going on? Please help.
Consumer complaint received 2019-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NY)

Lender did not provide sufficient reasoning for the denial for a Amazon Prime Rewards Visa Signature Card. Have 800+ credit score with no delinquencies. All verification and supplemental documents were submitted. I feel that I have been discriminated against by the lending office, as the experience was completely different while at the local branch. The creditor CHASE JPMC is in violation of ECOA 1002.9, for denial reasons other than incompleteness and vague in its statement, as the denial notice does not contain specific reasons.
Consumer complaint received 2020-02-12
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. (GA)

To Whomever This May Concern : First off, this is not a credit repair agency. This is me, XXXX XXXX submitting this complaint myself because of the notification that I have received on my app. A company called XXXX XXXX XXXX in XXXX, Al XXXX has placed a collection account on my credit report. This needs to be removed asap. This is fraudulent. I have an extended fraud alert on all of the credit bureaus. This information wasn't verified and can not be verified because it doesn't belong to me. Please see attached police report and identifying information.
Consumer complaint received 2019-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (LA)

I sent dispute letters for the inaccurate accounts to be removed from my credit report on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019. However they never sent me documents to show me how they verified the accounts but per " 15 U.S.C. 1681g '' and it should have been deleted per Section 611 ( a ) ( 5 ) ( A ) ( i ). I also sent a letter with Section 609 ( a ) ( 1 ) ( A ) to show me the physical documents and they have not.
Consumer complaint received 2019-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (DE)

I sold my home in XX/XX/2019 and the mortgage was paid off. I have yet to receive a refund for the additional amount in escrow. I have made phone calls, spoken to several managers, sent emails to the servicing company executives ( XXXX XXXX and others ). Initially, I was advised I needed to wait for 30-days to see if I receive the check. After the 30-day mark I called again and was told a stop-payment would be placed on the check and check reissued I should receive it 5-7 business days. I waited and no check after about 10-days I called again and the associate apologized and said they would escalate and expedite the replacement check I would receive it in 5-days. After a week I call back and they tell me no expedited check was issued but the replacement check was requested and it could take up to 30-days to have it reissued. I call back a week later to see if they could provide me with the details of the check that was sent so I could verify the check was en route. I was told they would request and have the escalation department. I explained I was a XXXX  and it needed to be after XXXX EST. Of course they ignore that request and call me in the middle of the day so I am unable to speak to them. I call back again that afternoon speak to a supervisor he tells me would have escalation note the account. This goes round and round week after week until a few weeks ago when I am told the check can't be sent because the original check was cashed. I asked by who and when and of course they don't have that information so it would need to be researched. I explain in my opinion I am not aware of any check being cashed and it may have been cashed fraudulanty but I have yet to recieve my escrow payment. This is long but just a summary of the cireles SLS has been putting me through over the last 4-months. I would like to request the help of the CFPB because every time I call I get a different story and a different excuse on why my escrow check hasn't been sent.
Consumer complaint received 2019-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc. (MO)

Sagestream LLC reported my credit score to XXXX XXXX at XXXX. My Credit Score at  XXXX  is XXXX. I feel Sagestream is giving me such a low score because I am XXXX XXXX. I want an investigation into my complaint about this company. I was try to get financing to buy a car.
Consumer complaint received 2019-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (MO)

Called multiple times with phone number that was linked with account and was unable to retrieve account. Tried to talk to humans only to be on hold for a very long time or closed. When canceled my account with att they took phone number out of system to where I couldn't pay with automatic system. Never got notice about bill.I was on the phone almost a hour just to talk to someone from XXXX, my XXXX bill has been paid.
Consumer complaint received 2019-11-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (MO)

Ally Bank turn down my request for a car loan due to misinformation. My Credit Score is  XXXX at XXXX. Ally Bank said they tried to get my credit score and was unable too. I called XXXX  to see if there was a freeze on my credit report they said Ally Bank never contacted them. Instead Ally Bank contacted XXXX XXXX and the reported misinformation about my credit score at XXXX. Thereby causing me not to get the loan. My Credit Score is XXXX not XXXX.
Consumer complaint received 2019-11-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NPAS, Inc. (UT)

On XX/XX/2019 XXXX went to XXXX XXXX for XXXX XXXX. We paid the bill using our XXXX on XX/XX/2019 which combined the payment with another charge from XXXX XXXX that occurred on that same day. Attached is proof that XXXX XXXX cashed the check. In XXXX we received a statement from NPAS stating we still had the full amount unpaid. We called them and said it was paid and sent them the attachment showing the check was cashed by XXXX XXXX. They then said it would go back to a special department that handles these situations. We called that special department and they said the payment was used in the wrong account and they would refund the check and then we could resubmit. We never got a check from them. We called them and they said they would escalate and see what went wrong and give us a call. They never called. We called them after a few weeks and they said they would try again and that it would take 30 days. After thirty days we called them back and they gave us a run around and basically nothing had happened and they needed another 30 days. After another 30 days we called and nothing had happened and they were going to escalate, call us back, yet they did nothing. We now have received another bill from NPAS sating we have to pay the entire amount in full. They took our money and didn't apply it to our account. They won't give it back, and now are charging us again. That amounts to them stealing our money, threatening to ruin our credit history by sending us to collections if we don't pay twice.
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America put an unauthorized inquiry on my credit report XX/XX/2019. I have never applied for a line of credit of any sort. I am not sure who authorized Bank of America to obtain my credit file, but what I do know is Bank of America has broken the law!
Consumer complaint received 2019-06-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Midwest Recovery Systems (SC)

XXXX XXXX XXXX is attempting to collect debt through Midwest recovery systems for a payday loan that is more than 8 yrs old. Sold collection to another company and have failed to notify me in writing. Collection placed on my credit report.
Consumer complaint received 2019-11-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Online secret shopper scam, i was sent a check placed it in my account then my back initially cleared the check i withdrew the funds and distributed them as directed then my back changed and placed a hold on the check and then ultimately declined the check leaving me XXXX in the red in my account
Consumer complaint received 2019-11-22
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. (NV)

There are several accounts, addresses, and inquiries that are listed on my credit report that I am unfamiliar with or that it's simply not mine. There is also a Chapter XXXX bankruptcy that needs to be removed too. Please remove these from my credit report.
Consumer complaint received 2024-11-06
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: SECURITY SERVICE FEDERAL CREDIT UNION (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2019-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

I made my payment on childrens place  in total amount, and they said is past for a few minutes and they charge me late fee payments, I didnt know because I Paid in full I never expect one more bill I paid to them 3 late fee payment!!!!! They stole my money under fee late first purchase in total was XXXX dollars and I final paid XXXX dollars in late fee payments! A total
Consumer complaint received 2019-11-19
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. (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2019-11-24
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP (NJ)

XX/XX/2019 pass due balance XXXX car sold at auction and XX/XX/2019 pass due balance XXXX I would like this remove from my credit report because value of car is greater then pass due balance
Consumer complaint received 2020-02-25
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. (TN)

There is no such entry of record USBK Court XXXX Tennessee Docket # XXXX from the United States Bankruptcy Court for this account in my name. 

I have certified documentation from the United Stated Bankruptcy Court that supports my dispute of this erroneous entry on my report. 

If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act )