davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-30
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: ODYSSEY FUNDING LLC (MD)

Hello, this form is to complain about XXXX Lending located on XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX. My lender at the time XXXX XXXX was the one helping me with my loan. To finally own my rental. He did everything to help me get to closing. I provided everything. But since I am self employed, apparently i needed a CPA to sign off on my Profit and Loss. My tax preparer was not enough. Even though she wrote a letter approving my P & L The branch manager XXXX XXXX took it upon him self to get a CPA that worked in the same building to review my documents on XX/XX/XXXX. I drove over an hour and missed work in order to make it to my appointment at XXXX.That CPA cancelled last minute. So I was stuck waiting in the office to see what else to do. XXXX decided to call his friend he said is a CPA, XXXX XXXX. After sharing sensitive documents to her. She signed off on my Profit and Loss sheet And gave it to XXXX XXXX the non producing manager in the same office. XXXX had me pay out of pocket {$160.00}. At the time XXXX XXXX did not show proof of CPA verification and said she would email it. 2 days went by and we found out XXXX hired an impostor to whom I shared sensitive information. I have been through emotional and financial distress. I've missed 3 closing dates. Because of their lack of honesty, organization, and malpractice. XXXX XXXX owes me {$400.00} total, for the loss of work, gas, lunch, {$160.00} for the fake CPA. I complained to XXXX XXXX XXXX on Friday XX/XX/XXXX after a phone call confrontation I had with XXXX about what he did. XXXX XXXX gave me the owners information. So on XX/XX/XXXX I sent XXXX XXXX XXXX a detailed email about the situation I've been dealing with this since XXXX. He totally ignored it and never reached out to me. No apologies, no updates. Instead he reached to the other manager to clean up the mess. I finally got tired of all the games. And insulting my intelligence. I hired a different lender XXXX XXXX XXXX, has been very kind, and upfront. Very professional. He requested the transfer of my file which I gave permission from XXXX and that never happened. Now that my documents are with my processor. They need more documents from XXXX in order to submit to Under Writer so I can finally go to closing. But they are not complying. And it's frustrating. I wanted to reach to you guys before taking legal actions with my Lawyer. This has been a Malpractice for hiring an impostor to whom I shared private information. I've been financially compromised and misled. I've been through Emotional and finacial distress. They have tried to outwit me. This is not fair. I want things done the legal way. I've done everything in my power to qualify for an FHA loan, which was a success. Please help me do justice.
Consumer complaint received 2018-05-31
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. (IL)

upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being XXXX, Equifax and XXXX   attached you will find supporting documentation. the accounts that need to be removed are XXXX XXXX/ XXXX XXXX, XXXX , XXXX XXXX, XXXX , XXXX XXXX , XXXX, XXXX XXXX, XXXX , XXXX , XXXX , XXXX, XXXX XXXX , XXXX, XXXX , XXXX , XXXX/   XXXX these accounts are not mine and have landed on my reports as an result of identity theft and fraud.
Consumer complaint received 2018-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

HI! 

LAST YEAR BETWEEN XXXX, AND XX/XX/XXXX. SOMEONE CHARGED MY BANK OF AMERICA MASTER CARD FOR {$2000.00}. FROM XXXX, XXXX XXXX? XXXX XXXX, WHAT I WAS TOLD COULD BE A FACTORY OUTSIDE OF XXXX, TX. WAS NOT PAID BACK TO MY CREDIT CARD, AND THE PAPER TRIAL WAS COVERED BY PERPS ON 3 AREAS! MY PERSONAL AFFECTS IS ONE, POST OFFICE? ONE OF THEIR EMPLOYEES, AND CROOKS HERE IN THE AREA THAT THEY SAID WAS A HOT THEFT AREA. DUE TO DEVILS, AND FALSE PROPHETS! MY BALANCE WAS AROUND {$7200.00}. THEN. 


ALSO, I WAS REFUSED CREDIT IN A STORE, XXXX. THEN WHEN I MADE A PAYMENT, IT WAS SENT THROUGH! XXXX MADE NATIONAL NEWS LAST YEAR!
Consumer complaint received 2018-05-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

I've sent my regular monthly payment into my mortgage of {$1200.00} dollars all of last year, but Ocwen Loan Servicing stopped receiving my payment as of XXXX, 2017. I have been in contact with the company and have submitted numerous requests for an understanding of why they are not accepting anymore of my payments, and why after a number of requests for an loan repayment plan, they keep turning me down, despite a change in my income.
Consumer complaint received 2018-05-31
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. (NJ)

On or around XX/XX/XXXX, I discovered that a company called XXXX added an entry to my Equifax credit report claiming I owe them approximately {$19000.00}. 

On XX/XX/XXXX, I sent XXXX a letter via Certified Mail Return Receipt, to the address for them listed on my credit report. 

The letter asked XXXX to verify the debt ( see attached ). They did not respond. 

After disputing this entry on my Equifax credit report, I received written notice from the bureau on XX/XX/XXXX ( attached ) that it was not reporting on my credit file. However, the XXXX entry was never removed. 

On XX/XX/XXXX, I sent a letter to Equifax via Certified Mail, Return Receipt ( # XXXX, letter and receipt attached ) indicating that I sent a letter to XXXX, received no response and therefore request again that the item be removed. I included a copy of the XX/XX/XXXX letter and the return receipt. 

Equifax responded that they would not remove the item, disregarding my documentation.
Consumer complaint received 2018-05-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (NC)

On, XX/XX/XXXX, I was called by a woman from a company called XXXX XXXX saying that she worked out of XXXX XXXX and she was scheduled to serve me a summons the next day between XXXX XXXX but I could call and talk to the company that hired her at XXXX. She said that I should give them File # XXXX and they may be able to submit a stop order so she wouldn't come with the summons. 

Immediately following that conversation I called the number and spoke with a young lady who told me that I was being sued in XXXX XXXX for {$4300.00} by Wells Fargo. She was nice at first but then when I told her I was confused and didn't understand what it was about she got her supervisor on the line who initially was very rude. He claimed his name was XXXX XXXX and her name was XXXX XXXX from XXXX XXXX. He said he didn't understand why I was confused. He threatened and coerced me into providing some form of payment arrangement for a reduced amount of {$1400.00} or they would have to move forward with the lawsuit which would include all the fees totaling {$4300.00}. He said that it had to happen on this call or else. I'm embarrassed to say that I made arrangements because I was scared to death and they would not provide any documentation for the original creditor/debt. They went so far as to tell me even if I tried to call them it was unlikely they speak to me because the debt had been transferred out to their office. They said the bill was from another state and originally from XXXX which didn't make any sense at all. They finally agreed to send me a letter confirming our conversation but told me it would be from a 3rd party that handled all their payments and I shouldn't be concerned. The company name is XXXX XXXX XXXX. I will attach it to this complaint if I'm able to. They ended the call by saying if I had any problems I could call XXXX at XXXX. Since I was suspicious I looked up the number online and found that others have had the same thing happen to them - a fake serve company and all.
Consumer complaint received 2018-05-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (ME)

I started a savings account on XX/XX/XXXX at KeyBank located at XXXX XXXX XXXX in XXXX, Maine XXXX. I deposited a {$15000.00} check drawn off another KeyBank account as the starting deposit on XX/XX/XXXX. I asked the clerk to verify funds were available from the deposited check and was assured the funds were available. When the new account was set up I was told only {$100.00} would be available for the 1st day and the remainder would be available the next business day. Today is 6 days later XX/XX/XXXX. I just left KeyBank only to be told my money is not available. The bank told me funds are on hold for 5 business days now. I only need {$2000.00} today and if I do not have funds to make my payment I am charged a {$99.00} late fee from my mortgage company and my payment is considered late. KeyBank made no consideration for this and continued to refuse to allow me access to my funds. I am very upset about this and would like some answers about this. This is a large bank holding my dollars and lets face it they make their money off loaning funds and charging interest. I feel they are holding my funds in a attempt to profit while I suffer the late fees due to them taking my funds hostage. I am requesting the Federal Reserve and FDIC as well as the CFPB audit KeyBank and their suspicious activities. After XXXX XXXX and others we need to police our banks to insure citizens can have trust in the banking system. I have reviewed other complaints on this bank and feel they may be in violation of overstating their deposits thus allowing this bank to extract more funds from the Federal Reserve by means of Fraud.
Consumer complaint received 2023-05-06
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. (SC)

All of my student loans have been consolidated via XXXX XXXXXXXX XXXX, however, Equifax is showing XXXX XXXX date opened XX/XX/XXXX amount {$5000.00} ; XXXX XXXX date opened XX/XX/XXXX amount {$1100.00} ; XXXX XXXX date opened XX/XX/XXXX {$1200.00} ; XXXX XXXX date opened XX/XX/XXXX amount {$4000.00} ; XXXX XXXX date opened XX/XX/XXXX amount {$2600.00} ; XXXX XXXX XXXX XXXX date opened XX/XX/XXXX amount {$3200.00} ; XXXX XXXX date opened XX/XX/XXXX XXXX {$5500.00} ; XXXX XXXX date opened XX/XX/XXXX {$1300.00} ; XXXX XXXX date opened XX/XX/XXXX amount {$3700.00} ; XXXX XXXX date opened XX/XX/XXXX amount {$4000.00} ; XXXX XXXX XXXX XXXX XXXX XXXXpened XX/XX/XXXX {$35000.00} ; XXXX XXXX XXXX XXXX date opened XX/XX/XXXX amount {$3200.00} ; XXXX XXXX date opened XX/XX/XXXX amount {$4100.00} ; XXXX XXXX date opened XX/XX/XXXX amount {$1500.00}
Consumer complaint received 2018-05-30
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. (GA)

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XX/XX/2016
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC. (NV)

I have a loan with XXXXXXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXXXXXX XXXX XXXX  with no successful resolution. Equifax is only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018 and XX/XX/2018.
Consumer complaint received 2018-05-30
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: Experian Information Solutions Inc. (GA)

Experian declines to grant me any proof or validation of XXXX XXXX account ( ... XXXX and XXXX has found it to be an error and deleted it, it was false reporting on behalf of the loan company, and Experian has also failed to respond to me in writing within the 30 day period ... violating my rights and F.C.R.A. law ... this was an Auto Loan from 2014 that was settled, and has been corrected by the other two reporting Bureaus ... Experian seems to cause a lot of trouble for people without really investigating disputes, and they delight in being difficult and unresponsive, but a class action litigation may change this, because countless are quite unhappy with Experian ...
Consumer complaint received 2018-05-30
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TCF NATIONAL BANK (MN)

Friday ..XX/XX/XXXX I went to the TCF Bank at XXXX XXXX XXXX. XXXX   XXXX, MN XXXX. I had a rent check from tenants for {$1300.00}. The check from the tenants was a TCF check. I asked the teller to check to make sure the check was good. The teller verified that there were plenty of funds in my tenants TCF checking account. I told her I will put it into my savings account in lieu of cashing it. Will this be an immediate transfer. She affirmed it was. ... I went to the XXXX XXXX Branch of XXXX XXXX which was located on the corner of XXXX XXXX XXXX XXXX XXXX on Monday XX/XX/XXXX. I asked if the check was cleared. The teller said yes. I removed the funds of {$1300.00} The teller gave me cash.. On Friday XXXX. I received a letter from TCF saying my account was over drawn on XX/XX/XXXX. I went back to the XXXX XXXX location, XX/XX/XXXX : The teller told me they made a mistake and should have completed transfere of the funds on Friday.. That my only option was to call customer service.. I tried that but only got excuses. Then TCF closed my account and transferred the so called debt to a debt collector. They have file on my credit report. TCF Bank has never returned my original check. So I could never go further with action with this case.
Consumer complaint received 2018-05-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NV)

I have a loan with NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX   and NAVIENT with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2014.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2017 I sent a letter to XXXX requesting that they update my personal information as they had listed incorrect names and addresses for me. I asked them to delete these names/name variations and addresses as my name and addresses, as reported on my social security card and driver 's license was the name and address that should have been listed on my credit reports. 

As a result of my request, XXXX informed me that they would not remove these names and they still remain on my report to this date.
Consumer complaint received 2018-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have submitted several disputes with Transunion in regards to an unrecognized Bankruptcy. A fraud Alert has been placed on all three credit files, however Transunion is currently reporting inaccurate information. I have requested that Transunion validate the Bankruptcy as per section 609 of the Fair Credit Reporting Act. I have also contacted the County Clerk of XXXX County to verify if any Bankruptcy has been registered to either myself or my husband and no such case is showing open and/or closed. I don't see any other credit bureaus reporting inaccurate information only Transunion. Please resolve this issue immediately, this issue has been the reason why we have not been able to qualify for our first home as First Time Home Buyers.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

On XX/XX/2017 I sent a letter to XXXX requesting that they update my personal information as they had listed incorrect names and addresses for me. I asked them to delete these names/name variations and addresses as my name and addresses, as reported on my social security card and driver 's license was the name and address that should have been listed on my credit reports. 

As a result of my request, XXXX informed me that they would not remove these names and they still remain on my report to this date.
Consumer complaint received 2018-05-30
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. (GA)

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX  XX/XX/2016
Consumer complaint received 2018-05-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

Their was no collection attempt made to notify me of the balance before placing this account on my credit as a collection. The amount reported to the credit bureau is not correct also the date reported is not correct as well. They are over charging for unknown items. This company does not own the account and my personal information was submitted to a thrid party for collections. Again no collection attempts was made before placing the account on my credit as a collection item.
Consumer complaint received 2018-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

Experian is providing false information. This is about business accounts not personal! Screenshot attachment At XXXX on XX/XX/18 I called Experian to report unauthorized accounts providing my business and personal info publicly and incorrectly. A very rude XXXX guy named XXXX in XXXX refused to give me his manager, lied stating he was the only one I could talk to, and racially discriminated against me because Im XXXX XXXX! Experian refuses to correct the false information it is reporting on my behalf. There are two incorrect business listings that are not even valid companies and need to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX You are providing incorrect information, this is not the business name. It is not the business address, nor has it ever been. Please fully delete and close out both of these accounts listed above from your system that are linked to my company. The individual stony hung up the call on me for absolutely no reason after racially discrimination and refusing to help me.
Consumer complaint received 2023-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (IL)

I respectfully request your prompt attention to the following inaccurate information on my credit report. The following item is inaccurate negatively affecting my credit please re-investigate this matter and delete end or corrected speeded item. I respectfully request that you provide me with proof of the disputed item specifically any contact note court document or any instrument be having my signature. Failing that this item must be deleted.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2017 I sent a letter to Transunion requesting that they update my personal information as they had listed incorrect names and addresses for me. I asked them to delete these names/name variations and addresses as my name and addresses, as reported on my social security card and driver 's license was the name and address that should have been listed on my credit reports. 

As a result of my request, Transunion informed me that they would not remove these names and they still remain on my report to this date.
Consumer complaint received 2018-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MD)

Ditech refuses to remove my PMI, although they say I am eligible if my home appraised differently. I have spent 9 months ask them to remove it based on an appraisal ordered by DITECH in late XX/XX/2017. That appraisal was XXXX. The market is hot & Ive added an additional floor of finished space since then. Finally, very apologetically, XXXX XXXX, a lawyer for them sent out another appraiser. Suddenly, my house is worth 280k. I have NEVER made a late payment, my mortgage balance is around 26Ok. 
They agreed ( via emails ) I have that the appraisal was strange and reestimated in their PMI Dept ( I think they just guessed ) that it was worth XXXX. Oddly, still not enough to remove PMI. 
At this point, I have paid 280 $ a month for 8 months of asking for it to be removed. I have all emails and both appraisals in hand. Im very upset. This is like a bunch of bullies robbing me, because they can. I cant refuse to pay. They are taking advantage of someone who cares about their credit. 
Please help. I dont know where to turn. 
Thank you.