davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

In XX/XX/2013 my husband was terminally ill. We had a modification thru Chase XXXX. The XXXX balloon is due this XX/XX/XXXX. I have tried modification twice with them..No Go. When I questioned the Chase Rep about balloon. I was told I could re modify. Now foreclosure is looming and Chase will get my hone valued at XXXX for XXXX. My question how can a coustomer in in financial hardship expect XXXX years later to come up with XXXX. I feel that Chase didnt explain the process and took advantage of my hardship.
Consumer complaint received 2016-06-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (CA)

I received negative scores on my credit due to communication errors by the lender ( University XXXX Pennsylvania ) and the servicer ( XXXX, a division of XXXX XXXX ). I made a payment to the servicer XXXX XXXX but they failed to credit this XXXX account and gave a negative credit report that severly hurt my credit score. The XXXX website managed by XXXX that I traditionally used to make payments was not working, and I was directed to make a payment over the phone. When I made the payment over the phone they failed to credit the right accounts, and I was reported to the credit agencies as 30 days past due. In addition, when this account was first brought into repayment, I never received correspondence from the lender nor the servicer regarding repayment, indebtedness, and schedule of repayment and my account went into delinquency and I was given negative reports on my score.
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

I reached out to Equifax about 2-3 times within the past few months to get my credit card reported however they 've failed to do so. I 've emailed and called them. I first emailed them on XX/XX/XXXX and notified them that my credit union had sent them information regarding my credit card. I then called them about 2 weeks ago and asked if they had received the information to update my report. They stated that I would need to reach out to the credit union to have them submit the information. The credit union has sent me confirmation of what they 've sent to Equifax on XX/XX/XXXX. It 's been almost 2 months and my credit card still is n't being reported. Equifax told me it would only take 30-45 days to update this information. I 'd like my credit card to be reported to them as soon as possible, as this will boost my score and will further increase my chances of purchasing a property.
Consumer complaint received 2017-02-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (AZ)

I receive calls for a debt that I do not recognize and do not think is mine. When I ask on the phone for more information on the debt, for example origin, amount, or name and address of the collection agency on the phone with me, I am stone walled. When I ask for written proof of the debt, I have received nothing. 

But these calls persist. Every few months there will be a flurry of activity and calls, then it will go silent. This has been going on for about 8 years now. Ca n't I make these calls stop?
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (SC)

Equifax Information service response with the normal scripted answers, as if the consumer did n't attempt to resolve the issue with them first, my statement is Equifax Information Services does n't actually investigate disputes to wit : There are XXXX accounts on my credit report, that do n't bear my name, the name that is upon my social security card, my social security XXXX check, and my credit report, yet they continue to state that they are verifying the information as belonging to me, which is false, based upon the continual pattern of not investigating the complaint. Specifically in 2005, based upon a duplicate issued social security number issue, and usages of name identification of XXXX or more individuals bearing the same name, my name was changed on my social security records completely to what it is now, and yet entries continue to appear on my credit report which are n't mine, and the credit reporting agency continues to state that they are verified, but they ca n't be verified if they do n't bear my name as the first criteria for verification. Equfax has only one agenda enrichment of self regardless of fact, and regardless of truthfulness of those facts. XXXX, XXXX XXXX XXXX XXXX, having Equifax previously respond indicating it did n't report, then reporting such without notification of change, and now stating that its verified, when the verification standard only includes their statement, but not factual, since it does n't bear my name. XXXX, a collection for XXXX XXXX, which i did n't open, that once again does n't bear my name or the creditor has not contract or proof that i ever applied for such service, yet reporting as verified. In the effort to prevent unauthorized usage of my information my social security number and name identification was changed, and yet equifax has continue to allow the pulling by inquiry of my personal information, without my social security number, basically the offender is making up a social security number, and providing my address which gives them my information. I herein request that all inquiries, excuses, and lies from equifax cease, and that the accounts that do n't bear the name identified with the social security number be removed. Equifax is n't secure, and their system is easily overridden by changing social security numbers to get the correct social security number, and personal information.
Consumer complaint received 2016-09-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

XX/XX/XXXX I refinanced my mortgage with the same bank that had held my mortgage for 5 years. I have always paid on time and my property taxes and insurance were escrowed and it was my understanding that all taxes due at closing were paid. XX/XX/XXXX the county treasurer sent me a letter stating that my XX/XX/XXXX taxes had not been paid. I contacted the bank and they informed me that they paid the late penalty and took the overdue taxes out of my current escrow and that I therefore owed them that amount ( @ {$3000.00} in back taxes ) in order to balance the account out and so that they would have the money to pay my taxes XX/XX/XXXX. I have asked them what happened to my escrow that was supposed to have been paid at the closing. I have received a letter stating that I should contact the title company or settlement attorney ( all of this was handled by them ). When I have spoken to them on the phone, they become very officious and demeaning and do not seem to understand the issue which is they told me that my taxes had been paid when they had not.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Absolute Resolutions Corp. (MI)

XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX are reporting a debt to my report without my my consent. they are doing this without my written instruction. they continue to violate my privacy rights. Niether of these companies have certificate of authority to transact business in Michigan. They are not showing me any contract that shows i owe anything and if they did it would be an admission of violating multitudes of state and federal law without penalties and liabilities well over XXXX dollars. this violates the XXXX, FDCPA, GLBA, FACTA, Post Office Act. Wire Fraud Act. that's just the start. there's also multitudes of state law and public policy in violation.

In addition The Fair Credit Reporting Act states multiple times the importance due diligence, accuracy and the grave responsibility of reporting agencies. this information is inaccurate illegal and must be removed promptly in accordance with the law.
Consumer complaint received 2016-06-03
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I went to withdraw money for my XXXX told father from Capital one bank, located at XXXX and XXXX XXXX XXXX XXXX NY XXXX. I have power of attorney which was filed with this same branch office. I have been going in for a year making monthly withdrawals with no problems. Lat month I went in to make a withdrawal and the teller named XXXX said I was not on the account and said I couldnt withdraw funds. I told her I was POA and that I have been coming in for a year. I said the POA was submitted to this branch and I even told them where it was kept ( it the file cabinets ) After 4o minutes I made thewithdrawal and left. Today, XXXX XXXX, 2016 I went in and XXXX was there again. I gave her the withdrawal slip and she said that I was not on the account. I said I was POA and that we went through this last month. SHe said that I may be POA but that I am not on the account. This is complete nonsense. Even though she physically had the POA in her hand last month, I gave her my drivers license, she then asked for my social security number in front of other customers. Why am I being asked for my social security number, and in a non secure area I must add. I wrote it down and gave it to her. She then performed the transaction. I went to the desk of a blonde woman by the bank officers and told her what happened. She brought up my account on her computer screen and it clearly had my name listed on the account as POA. She admitted there should not have been a problem. XXXX did this to me because of what occurred teh previous month. Her behavior was unprofessional and was an act of spiteful and vindictive harassment.
Consumer complaint received 2017-02-09
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services (NC)

I had a new car lease in XXXX with Mercedes Benz Financial Services ( MBFS ). When I picked up the car, I made a payment, for what I thought was for XXXX - XXXX XXXX. During that period I was encouraged to go " paperless '' and make my payment online. I opted to do this. I made my payment for XXXX XXXX - XXXX XXXX ( when I traded the car in ) on time via their online payment system. When we turned it in in XXXX XXXX, I was told that I owed XXXX more payment, and I made that payment. I was told at the dealership that we were paid in full. In XXXX XXXX, I received a call from the MBFS that I still owed one additional payment, and XXXX of accrued late charges. At that time, I asked for the details regarding what I owed, and I was told that they switched systems, and that they would get back to me with the details. In XXXX XXXX, MBFS called me and said the same thing. I asked them to check their notes, since I never received the information I requested. Then, on XXXX XXXX, XXXX, I had a conversation with XXXX at MBFS. She said that she was going to send out the details I requested. After talking with XXXX, I was satisfied that a deferred lease payment was due. At that time, I offered to pay it over the phone with a debit card. However, I told XXXX that the late charges were still in dispute, since I did not receive the details I requested. XXXX did not want to take the payment at that time, she was going to get the details and call me back. I never heard back from XXXX. My wife and I started to receive calls from a collection agency XXXX regarding this debt. MBFS is willing to reduce the amount of late charges only if we accept a settlement, which will be reported. Since I did not receive notification of this late, which was accrued for 26 months out of the 36 months of on-time payments, I do not feel that I should be obligated to pay it. I have paid the late charges in full in order to stop the collection and negative effects to my credit, even though I do not believe I owed them. I would like to get refund.
Consumer complaint received 2023-07-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

1. I had a XXXX account and decided to add XXXX onto that through XXXX. I ended up cancelling my XXXX and received an email from XXXX stating that, since the accounts were connected, that account was also canceled. They continued to charge me. 
2. I tried to resolve it through XXXX but didn't have the 1 piece of identification they required to prove my identity so they wouldn't help me. 
3. I filed a dispute with Capital One. 
4. The initially refunded my stolen money but later reversed it for, what they claimed was a lack of response on my part. I attached emails proving that wasn't true. 
5. When I called to refile it the customer service person with Capital One was getting the few disputes I had confused so I asked to speak to their manager. 
6. That manager told me several lies including the fact that I only had a few month window to file a complaint per the terms of service. 
7. I filed a formal compaint with Capital One with both their poor service, their denying my dispute for my lack of response when I actually had responded, and for them lying to me multiple times. The call was recorded so it'll be easy to hear all their different lies. 
8. The money was returned to me and then later taken back out of my account when they denied it a second time. 
9. Miraculously XXXX stopped charging me but never refunded the money they stole. 
10. The compaint I filed with Capital One was never followed up on with me after I tried reaching back out severa times.
Consumer complaint received 2023-07-15
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: Westcreek Financial (TX)

I was in the mist of trying to buy a house. I realized I had damages on my report due to a charge off. I did not receive a 1099 form from the company. According to the 15 U.S.C 1681 Law there should not be damages on my report it is a defamation to my character.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has put a weird block on my credit report and third parties are unable to access my credit report or view it and dispute items on my behalf and transunion is not fixing my dispute errors in few accounts so I hired a credit repair company to fix it but they are unable to access my transunion report due to a weird error and I need transunion to put a trouble ticket on my credit report And I cant lift a security freeze either Im getting an error message on transunion end.. 

I want this fix otherwise Im taking legal actions The following accounts in trying to dispute as identity theft is XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX I hire a third party credit repair and they are unable to access my credit report
Consumer complaint received 2016-04-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Office of Brockman & Rollins, LLC (IL)

Multiple issues with the company of Brockman & Rollins. They repeatedly call family members and even my previous employer ( they 've NEVER attempted to contact me directly ) saying that they are trying to reach me to serve papers and that I will be arrested for failure to appear in court ( sharing that information with anyone other than myself is illegal ). They have told every single person that they 've spoken with about how much they claim I owe ( illegal ), and that they need to find me as soon as possible and that someone had shown up to my house that day in an attempt to serve papers and that I was n't home. First of all, a legitimate process server is n't going to call me ahead of time to warn me that they 're coming. Second of all, I had just happened to be home that day and NOBODY had shown up. Period. These people call about every six months for about a week and then stop and they start up again about six months later. They are bullies, they are liars, and they use illegal intimidation tactics in hopes that I will be scared enough to pay them money without questioning it. After researching the company of Brockman & Rollins, I 've discovered that they were previously operating under the name of XXXX XXXX XXXX and that company was shut down due to the fact that it was a debt collection scam " company ''. They think they 're slick, changing their name. The company has been in " business '' for less than a year. It could n't be any more obvious that this is a scam attempting to scare me into paying money on a debt that I do not owe. When I questioned what the debt was for, they could n't provide any answers as to what the debt was for, just that I owed them money. I have never received a Verification of Debt letter from them ( illegal ). These are not the practices of a legitimate debt collector.
Consumer complaint received 2017-02-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Quality Loan Service Corporation (CA)

WHITE COLLAR CRIME complaint against QUALITY LOAN Service Corporation - illegal foreclosure auction against our home tomorrow, XXXX XXXX, 2017 at XXXX. Please see attached for details. Exhibits to be sent via fax shortly. 

Thank you for your investigation and enforcement of the applicable laws for consumer protection.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Since Ive begin complaints against Equifax with CFPB. Equifax has blocked or locked my credit profile. I believe it out of spite. I have attached my drivers license ( front and back ) my most recent bank statement and paystub to verify my identity and residency.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am contacting you to request the deletion and removal of the accounts and information mentioned below from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as their inclusion is a direct violation of the FDCPA and FCRA. I kindly urge you to take immediate action to delete and remove these accounts and information from my consumer report, as their presence violates multiple laws. Please ensure the prompt removal of these accounts and information.
Consumer complaint received 2017-02-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

I have logged previous complaints, reference # XXXX and XXXX. I signed my mortgage note in XX/XX/XXXX with XXXX, OCWEN purchased it in XXXX XXXX. In the note that I signed, there was no escrow, I was responsible for my property taxes and homeowner insurance. I have complied with the terms of my note to date. I pay my mortgage every month, I have paid property taxes and insurance. OCWEN has added charges and fees to my account that have nothing to do with my mortgage payment. In XX/XX/XXXX OCWEN stopped accepting my mortgage payments, every month I sent in what they returned plus the current month. After XXXX months, they accepted my payment in the amount of {$6900.00}. I requested a loan modification. The terms of the modification were XXXX % apr, account by law must be escrowed and at the end of the XXXX ( XXXX ) years a balloon payment of over {$38000.00} was due. When I stated that I would not accept those terms, OCWEN started returning my payments. The principal balance due on this loan is {$93000.00}. OCWEN states that pay off amount is {$100000.00}, the difference being {$10000.00}. Including XX/XX/XXXX 's mortgage payment, {$5400.00} is due leaving a balance of {$5000.00} which are charges and fees that have nothing to do with mortgage payments, OCWEN has initiated foreclosure proceedings. How is it that OCWEN can report to the credit bureau that my mortgage payments are behind when every month that I send in my payment, they return it unsubstantiated. My last payment of {$4600.00} for the months XX/XX/XXXX through XX/XX/XXXX was returned. In addition to returning mortgage payments, there are XXXX years of duplicate taxes with the county, the last installment for XX/XX/XXXX, OCWEN paid twice. I am requesting that the situation be investigated. I have adhered to the contractual commitment that I signed. I have paid my mortgage, property taxes and insurance as required. How is it that OCWEN can report negatively to the credit bureau and initiate foreclosure proceedings.
Consumer complaint received 2016-09-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc. (CA)

They refuse to send me a copy of the debt in the mail and tell me I must pay over the phone now. I have no idea who they are and if they are really even a collection agency. Harassing calls continually everyday.
Consumer complaint received 2023-07-14
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions 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