davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CA)

Having the same problems with Ocwen loan company that I filled the complaint 1 1/2 years ago. We are going on year 3 with this problem. We had a modification in XXXX of 2013 that was approved, signed and notarized by us. We made the first XXXX payments and they stopped taken the payments. The sent us a new bill with a different amount and I call XXXX the company that has the title for our loan and the company that gave us the modification. They said that Ocwen was just behind and it should be fixed in a couple months. I waited and Ocwen told me that they made a MISTAKE. This mistake has cost me so much money because are credit if awful. After the last complaint I filed they told me they would take it off are credit back to when the loan was signed, but they will not give us a new loan. I receive bills for both amounts but can and will not pay either until I have a really loan that is signed by us, not something they just made up. I have hired a lawyer, and he is having the hardest time to get any help for us. I do n't know what to do but file a lawsuit against them. My husband and my credit is awful and we bought a car a year ago and it has affected what we pay for that loan. HELP!
Consumer complaint received 2017-07-13
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. (TX)

I have been trying to get an accurate credit report and score from Equifax since XXXX of 2017. I pay for a credit monitoring service that is not Equifax. I feel this started AFTER I cancelled my paid service with them. I started my paid service with Equifax on XXXX XXXX, 2017. I used their 30 trial to try out the service. I cancelled the service before the 30 days were up, sometime in XXXX 2017. I first noticed an issue XXXX XXXX, 2017 and reached out to Equifax. They refuse to help. I tried to get my free credit report through annualcreditreport.com, they said that have no records. When I tried calling Equifax, I was told by the customer service rep that indeed there was a problem. But they refuse to fix it, even after I verify all of my personal information. I have continously tried calling on different days, at different times, but to no avail. I would ask for a US representative, only to be put on hold for literally 30-45 minutes, or longer, if I chose to stay on hold. <P/>Now I have been denied credit because of my Equifax report, through a major credit card company. I can not access my file to even see what is being reported if anything. I tried to freeze my Equifax file on today XXXX XXXX, 2017, and again no file to freeze. <P/>This is not right, and it is very frustrating. This is affecting areas of my life that I did not even realize that it would. I can not even proceed to make large purchases because I can not be sure of what is listed on my credit. I do n't know if I have a split file, or no file at all. My credit score has been the same for three months. No updates. I just want some resolution. I do not know what else to do. Equifax is infringing on my rights. And I want it to cease. <P/>Thank you for your time.
Consumer complaint received 2017-07-13
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. (OH)

ACH credit on XX/XX/XXXX from XXXX XXXX XXXX for {$1000.00} ACH debit on XX/XX/XXXX from XXXX XXXX XXXX for {$1000.00} Former employer ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX was my past employer in which I quit due to him fraudulently not paying my commissions to me. I had this credit on XX/XX/XXXX for which I thought was previously owed commissions or residuals possibly from an audit etc. <P/>On XX/XX/XXXX without my knowledge, a debit was made for {$1000.00}. I have a joint checking with my spouse with him as the primary. <P/>How is any person/entity/or company authorized to debit my account anytime they wish without my knowledge or consent! I tried contact JP Morgan Chase and with no results or answers. <P/>I contacted my former employer and he referred me to the XXXX XXXX XXXX and again received no answers. <P/>No one in any of these parties had my or my husbands authorization to withdrawl funds from our bank account. No one having my account or routing number is authorized unless I give permission to withdrawl any funds that I have in any of my accounts.
Consumer complaint received 2017-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Approximately around XX/XX/XXXX I called all three credit bureaus about credit inquiries illegally not authorized on my credit report also. I spoke with Transunion and they had a glitch in there system in XX/XX/XXXX. Inquiries that were deleted are back on my report as well and I was not notified by mail in the time frame that was supposed to be notified by law. These inquires added a hardship and my rights were violated by Transunion as well as the other two credit agency. As a resolution I ask that all my inquires be permanately deleted from my Transunion report as well as XXXX and XXXX.
Consumer complaint received 2016-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As far back as XXXX XXXX I have experienced identity theft and after reporting a opening of an unknown account that was opened in my name in XXXX XXXX, I reported all incidents and attempted incidents to the police. 

In attempts to clear my credit I requested assistance to the CFPB and completed and forwarded XXXX fraud packet as requested to XXXX the original creditor as well as the police report and too date, I have had no response or communication from the original creditor or its collection agent and its still being reported by Trans Union credit bureau. 

My previous dispute was initiated because of this fraudulently opened account and i am a victim of identity theft. I wrote to the credit bureau about the collection company and disputed the debt reported by XXXX XXXX and its credit collection agent and and have had no response from Trans Union or any assistance in clearing this inaccurate information. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC (NV)

Enhanced Recovery Collection agency has recently placed a negative account on all 3 of my credit reports with XXXX, XXXX, and XXXX on XX/XX/XXXX. I do not have a contract with this agency, nor am I responsible for this  debt. The company has not validated this debt, they have only sent an itemized bill without my signature on it. The account number is : XXXX in the amount of {$230.00}. The original creditor is XXXX. In XX/XX/XXXX, this debt was showing on my credit with XXXX XXXX XXXX, which in turn sold this account to ERC or Enhanced Recovery Collection agency. Once I disputed this debt and negative account with XXXX in XX/XX/XXXX, XXXX XXXX immediately took this debt off of my credit report and did not want anything to do with me disputing this inaccurate information. On XX/XX/XXXX I was told by XXXX that this would be deleted off of my credit and that they had sent letters to all 3 Bureaus. The debt was taken off of my credit. Now, fast forward to XX/XX/XXXX, this same debt re-appears on my credit without my knowledge, and with a different collection agency called ERC. This is unfair debt collection practices. I want this inaccurate, no contract, not liable, negative debt and account removed from all 3 credit bureaus.
Consumer complaint received 2017-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MN)

I recently moved my existing student loan from myFedLoan.org to another company to get a better rate. Up until that time, I admittedly had not been paying proper attention to statements, which -due to poor design- are frustrating/confusing. In any case, based on the most recent statement, I completely paid off the debt managed through myFedLoan on XX/XX/XXXX and received a cryptic ( only one of two accounts was noted ) notice to that effect onXX/XX/XXXX. <P/>I later determined, based on statements provided by myFedLoan, that I 'd overpaid and was told by the new lender, that myFedLoan would send the difference on to my new account holder, where it would be credited to my new account. <P/>When that was n't done, I went to myFedLoan website and instead of an account with a credit or a closed account, it showed that I owed an additional $ 2k+! On XX/XX/XXXX, I called myFedLoan and talked to support and then a supervisor and was told that they 'd review my account within 10-14 days and I 've had no contact since. <P/>However, since then, I 've been looking at statements and payment records and am appalled at their record keeping and their management of my account. Statements do n't match payment records and do n't provide basic information - how the last payment was applied, for instance. <P/>In short, there are two issues that I believe need higher review : first, my account and it 's management and second, their overall management and record keeping practices.
Consumer complaint received 2017-07-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

me and my spouse are due to make last payment on our used car loan through Capital one, we set up automatic payment with our bank, and now they have sent a letter stating we missed our last payment, we have automatic payment set up with Capital one and yet due to internal errors within their auto-financing department they are causing our payment and our credit to be negatively be impacted by this action.
Consumer complaint received 2017-07-11
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. (CA)

I ran my credit report and  XXXX  was in it for a bad debt.  <P/>  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SD  XXXX  The balance they said I owe is {$150.00}.  <P/> I do not have an acct with them. I suspect fraud.   They do n't have a phone number.  <P/> Please help me resolve this and get if off my credit report.
Consumer complaint received 2024-08-25
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Equifax Dear CFPB, I am writing to formally report an issue I have encountered with Equifax, one of the major credit reporting agencies. My details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] The issue I experienced today Equifax removed a Positive Credit Card account from my credit report today XX/XX/year>. CFPB, this is retaliation every time I file a complaint against Equifax they continue to mess with my credit report. That's a violation of the FCRA improper use of my credit report. I've had my credit card over a year. No missed payments, card usage under 30 % every month. Again that positive account was wrongfully removed.And Im not happy. I've already contacted my attorney about this matter in regards to a lawsuit. 


I attempted to resolve the incorrect balance Equifax reported. Equifax took upon themselves to delete it from my credit report. That account needs to be placed back on my credit report immediately. Disputing the error didn't fix anything., unfortunately, my efforts have not led to a satisfactory resolution. 

I kindly request that the CFPB investigate this matter and assist me in resolving the issue with Equifax. I believe that my consumer rights may have been violated, and I seek your guidance on how to address this situation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX CFPB I FILL THIS IS RETALIATION FROM EQUIFAX THEY DELETED A Positive FROM MY CREDIT REPORT
Consumer complaint received 2017-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MN)

In 2012 I filed paperwork with Nelnet to have my student loans consolidated so that I may qualify for the Public Service Loan Forgiveness. While all of my loans were transferred to Nelnet at that time, it recently came to my attention that Nelnet did not consolidate the FFEL Stafford Loans and Grad PLUS Loans that they held, leaving half of my loans ineligible for Public Service Loan Forgiveness. I trusted them to act in my best interests and consolidate the loans for the purpose I stated. They clearly did not do this. I am submitting a copy of the Federal Direct Loan Consolidation paperwork, where it shows that the loans they held were listed both on the Loans You Want to Consolidate page, then listed again on the Loans You Dont Want To Consolidate page, only on that page the loan number and balances are missing. This is very deceiving. Furthermore, they never sent me a letter finalizing the consolidation, but put me into an Income Based Repayment Plan with assurances that all was well.
When I spoke to Nelnet recently and inquired about the consolidation and requested a copy of their paperwork ( so I could match it with the copy I possess from 2012 ), they stated they had no such record on file. This seems suspect as there currently are XXXX consolidated loans on my Nelnet account. They most definitely consolidated the loans from XXXX/XXXX XXXX and that is all they consolidated. This move has potentially cost me 5 years of payments counting towards Public Service Loan Forgiveness.
Consumer complaint received 2016-08-12
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Paramount GR Holdings, LLC (TX)

Paramount Equity Mortgage has strung me along for 10 months, telling me each month that we would be closing that month - only to learn today that there will be NO closing. They dropped me like a hot potato with no realistic reason. I have jumped through hoops to get my mortgage closed, two appraisals, submitted every piece of paper document they could dream up to ask for, had court orders, new survey, etc ... ..only to be dropped because they say their underwriters would n't write the title insurance. Do n't you think they would have known that early on???? It 's a bad place to try and do business, a total waste of my time and MONEY.
Consumer complaint received 2016-11-03
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: SQUARETWO FINANCIAL CORPORATION (NY)

I had a Credit Card with XXXX XXXX. I paid the amount off XXXX XXXX, XXXX. I have the actual checks that were cashed by XXXX and the actual original bill in XXXX. I have had them deleted off of my credit report by XXXX, XXXX and XXXX as it was proved to be paid in full. It has been deleted several times ; from XXXX County Court, XXXX as well as XXXX XXXX XXXX. They now are taking XXXX from my paycheck every 2 weeks. I do not owe this bill and I can not afford to keep losing money. They have a total of XXXX as of this week. I have all forms and documents to prove my case to fax it. Thank you for all your help.
Consumer complaint received 2017-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WV)

Portfolio Recovery  Associates ( PRA )  has made numerous harassing calls and sent out threatening letters. They have failed to provide proof of my debt owed and leave messages on different family members voicemail when they should not be calling me at all. I claimed bankruptcy back in   XXXX   and have not made any bills since then so they have no reason to be calling me anyways. They have harassed me relentlessly.They have violated many laws under the Fair Debt Collection Practices Act ( FDCPA ), : Contact anybody who is not the main person that owes the debt Threaten you with referral to an attorney, harm of credit, or wage garnishment without the actual intent to act on the threat Contact you at your employers office if you tell them not to to my knowledge, I do not owe them money and have asked them to provide proof of what I owe. They have failed to do so.   The numbers that call repeatedly are :  XXXX ,  XXXX ,  XXXX
Consumer complaint received 2017-07-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX   had  XXXX  separate glitches and my inquiries were deleted and then re-added to my report once the glitch was discovered.   XXXX   failed to notify me in writing 5 days prior to re-adding the inquiries to your report that they were intending to do so. This computer glitch that was   XXXX   XXXX   problem - not yours - caused my inquiries to be deleted. XXXX  later added them all back onto your credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted  XXXX  in good faith to ask them to delete the inquiries that they had illegally re-added.    One for Capital One Card f or  XXXX   XXXX ,  2016 . I spoke with agent  XXXX  as well as her supervisor  XXXX .   These inquiries add a hardship and that your rights were violated by  XXXX .
Consumer complaint received 2017-07-13
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Springer Collections Inc. (WI)

Spring Collection at  XXXX  contacted my mother today asking for myself or my husband, as well as informing her of who they were and that they were collecting debt on our behalf.  <P/> I am currently at work, but then they also called my phone number, so why they called my mom after she told them she was not them and giving her our debt information is not the proper practice. I have relatives with my last name that I wish to not be notified of my financial issues and would like to speak with someone in regards to what I can do. I have not lived in Minnesota for 5 years now and do not know what this debt is regarding, and I do not want to call and give them any of my information, now that they just shared it with a family member of mine.
Consumer complaint received 2017-03-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

I was notified that my private loans carried through Navient had gone into repayment. I called regarding the repayment because the amount was over 50 % of my income. I informed Navient that I am unable to pay this large amount. I was told that there are no options for repayment, etc. After speaking to a few different people I was told my only option is deferment. I deferred the payments for one year. The interest ballooned and was added to my loan. I 'm confused over two things : 1. Why did my school put me k to loans that offer no benefits my first year of XXXX, and 2. Why do I hear that there are assistance programs for my loan?
Consumer complaint received 2017-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (OH)

I filed for chapter XXXX bankruptcy and have sent in various documents from the bankruptcy court, my attorney, and the trustee and they refuse to acknowledge the bankruptcy, they have even contacted the bankruptcy court and still refuse to acknowledge and continue to attempt to collect the debt for the last 12 months.
Consumer complaint received 2017-07-13
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. (TX)

Santander account XXXX ... last four of social security XXXX, D.O.B. XX/XX/XXXX - XXXX XXXX. <P/>On XX/XX/XXXX Santander reported a balance of {$12000.00} to XXXX. To XXXX they reported a balance of {$15000.00} for the month of XX/XX/XXXX. On XX/XX/XXXX I recieved a settlement offer that states the balance as {$16000.00}. To XXXX they reported the account as opened with a balance. To XXXX they reported the account as closed with a balance. To XXXX it was reported closed with {$0.00} balance/paid in full. <P/>Also, the payment history was different on all three credit reports and XXXX and XXXX  allowed, and continue to allow Santander USA to make corrections, that still end up being wrong information, and making my credit score go down every time they change the information/ update it as opposed to deleting the account per fair credit reporting laws. <P/>My credit score went down again in XX/XX/XXXX because XXXX and XXXX continue to allow Santander, USA to update, as opposed to DELETE as I have requested. This information on my credit file should have been deleted months ago due to fair credit reporting laws regarding reporting erroneous/inaccurate information regarding balance, account status, and incomplete/inaccurate payment history that has been reporting for almost a year now on my report. No matter what proof I send to the credit reporting agencies regarding Santander 's erroneous information, the three credit reporting agencies refuse to delete the account and that is not right or fair. <P/>I have disputed, with proof of the mis-information Santander has been reporting to all three credit bureaus. XXXX now has it as a closed, but per fair reporting it should be deleted from all three credit reporting bureaus. <P/>Santander, when you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ).