davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-15
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: Experian Information Solutions Inc. (TX)

I have XXXX inquiries dated XXXX XXXX, 2017 from XXXX XXXX Bank. I did not authorize this or sign anything to have my credit pulled.
Consumer complaint received 2017-08-15
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Onity Group Inc. (MN)

Hello XXXX Thank you writing. I am one of the escalation managers handling cases for the Liquidation department. A review of the attachments received shows the borrower is offering {$1000.00} to settle the deferred principal balance amount of {$60000.00}. I am reaching out to let you know that there is only one lien on the property which is with Ocwen and we do not do settlements on part of the principal balance that is owed on loans. That is not an option. Borrower can call customer service at XXXX and schedule an appointment with the Relationship manager to discuss other loss mitigation options. I can assist if the borrower would like to sell the property. You may visit the below link for mortgage assistance options : XXXX XXXX XXXX XXXX Thank you Regards, If you would like to submit a notice of error or information request, please mail the request to Ocwen Loan Servicing LLC | Attention : Research Department | XXXX. XXXX XXXX | XXXX XXXX XXXX, FL XXXX XXXX XXXX Escalations Collateral Based Solutions. Ocwen Loan Servicing, LLC Work : XXXX ( XXXX ) XXXX XXXX www.ocwen.com To : Ocwen Loan Servicing , LLC XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX From XXXX XXXX XXXX & XXXX XXXX XX/XX/XXXX Re : Settlement of 2nd lien Loan Deferred Principal Balance {$60000.00} At this time, I am writing to offer Ocwen Loan Servicing {$1000.00} to settlement and fully release of 2nd lien Loan Deferred Principal Balance of {$60000.00} from the property of XXXX XXXX XXXX XXXX MN XXXX loan number XXXX. We have done everything in our power to make ends meet but unfortunately we have fallen short and ask that you to consider to settle our2nd lien Loan Deferred Principal Balance in full. Settlement of 2nd lien Loan Deferred Principal Balance {$60000.00} would fully release all personal liability and the lien from the property located at XXXX XXXX XXXX XXXX MN XXXX loan number XXXX A payment was applied to loan number XXXX XX/XX/XXXX for {$8700.00}. I would like this payment to be considered part of the Settlement of 2nd lien Loan Deferred Principal Balance {$60000.00} With the home valued at {$190000.00} and 1st mortgage balance at {$180000.00}. A foreclosure would net the 2nd lien Loan Deferred Principal Balance {$60000.00} nothing.. We personally, want to make a good faith effort to Ocwen Loan Servicing pay the {$1000.00} that we are offering. We have the means to obtain this amount for our settlement offer now. And as this 2nd lien Loan Deferred Principal Balance has been included in a chapter XXXXbankruptcy action, you would not get any of the balance owed. I would appreciate your timely acceptance of this offer. As this offer will expire 30 days from the above date. XX/XX/XXXX Sincerely, XXXX XXXX &
Consumer complaint received 2017-08-15
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: Fidelity National Information Services, Inc. (FNIS) (CA)

To whom this may concern, This is a follow-up to my previous complaints regarding abusive behavior by credit bureaus that have left me unbanked and underbanked. I am writing specifically again XXXX and their XXXX score system which is unfairly denying me a bank account and not properly functioning ( based off the attached document XXXX states my XXXX score is 0, which is outside of the acceptable ranges ). To resolve this situation, I would like XXXX and XXXX  to immediately remedy their system problems so that my XXXX score is not shown as 0, send a copy of the credit report and XXXX score to my at my address, and once all amendments and disputes are finalized informed all inquiriers within the last 12 months. Put bluntly, the fax that the XXXX XXXX score system does not even operate within its published bounds means that myself and probably thousands of other consumers are being unfairly denied a bank account due to a XXXX score of 0 being given to financial institutions that are unable to process a 0 score value. Therefore, to ensure this does not damage me again, please adequately explain to me why my XXXX score was presented as 0, once again outside the acceptable range, and inform me of what action you have taken to avoid the problem in the future.
Consumer complaint received 2017-08-15
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. (MD)

XX/XX/XXXXXXXX I disputed a XXXX account when I noticed it on my credit report. Mid XXXXXXXX Early XX/XX/XXXXXXXX I received a phone call from a debt collector stating that I owe {$1100.00} to XXXX. I told the debt collector that I 'm disputing this debt and submitted in writing for them send me information for this debt to which I never received. XX/XX/XXXXXXXX I pulled my credit report and saw this debt was still being reported to both Experian and XXXX . Again, I submitted a dispute to both credit bureaus requesting more information about this debt and I still have n't received. XX/XX/XXXXXXXX I checked my credit report again and not only is this item still on the same two credit reports but XXXX re-aged this account to make it appear more recent. As a result, this account is showing on my credit report as 1 month past due, a charge off and my credit score dropped at total of XXXX points on Experian and XXXX. I 'm not sure how this can be especially considering that this account has been in dispute since XXXX. Negative re-aging completely illegal and is in violation of the Fair Credit Reporting Act.
Consumer complaint received 2017-08-15
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: Experian Information Solutions Inc. (FL)

I checked my personal credit reports and I noticed unauthorized inquiries had been made. I contacted the companies who conducted the inquiry to advise them that I did not authorize the inquiry and asked them to remove their credit inquiry from my credit profile but to no avail. Experian : XXXX XXXX Fl - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX - XXXX XXXX, Fl XXXX XXXX XXXX - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX - XXXX, Ne XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX - XXXX XXXX, Ia XXXX XXXX : XXXX XXXX XXXX - XXXX/XXXX/XXXX - XXXX XXXX, Ia XXXX XXXX XXXX - XXXX/XXXX/XXXX - XXXX XXXX, Mn, XXXX
Consumer complaint received 2016-12-13
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Caliber Home Loans, Inc. (CA)

I advised on XX/XX/2016 to order my appraisal, on XX/XX/2016 I asked to lock my rate. I received my appraisal on XX/XX/XXXX in XXXX XXXX ( where appraisers are plenty and I 'm in a NON rural area ) and my rate was NOT locked until XXXX XXXX and yet it was n't disclosed to me ( Rate lock agreement ) until XX/XX/XXXX. 
Rates have gone up tremendously from XX/XX/XXXX to XX/XX/XXXX and now I am paying to buy the rate to were it was in XX/XX/XXXX ... ( at that time I was getting a credit, this was not a buy down aka : discount point ) I am closing late on my home ... I gave my last document for clear to close on XX/XX/XXXX and yet my loan is still in underwriting. Due to my appraisal being delayed it slowed down my process for my CD, which I also still do not have. All of these issues have affected my closing on time for this home.
Consumer complaint received 2017-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (IL)

I spoke with & Paid XXXX ( Diversified Consultants ) {$380.00} settle amount on X/XX/17 at number listed XXXX. Although, this bill has been settle and paid It is still showing on mt credit report. I just do n't understand why do I keep getting the run around when I call to see who can help me get this removed because Diversified Consultants states the account has been closed since the payment went successfully and that the credit companies have not updated the information on there in. I was blessed with the money to do my part but noone wants to do there 's. I have attached the receipt from the payment I made & the confirmation letter that was sent from Diversified Consultants stating that it was paid.
Consumer complaint received 2017-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX is very reckless with their reporting tactics on consumer 's credit reports. I found a tantamount of inaccurate information on my account from my name, to my address, to my social security number, to wrong information on my accounts, wrong status, and reports of derogatory items that were 10 years old and generic entries made by XXXX on my accounts that lingered old accounts way past its statute of limitations. XXXX is the only reporting agency that shows more that a XXXX point gap on my account consistently from other reporting agencies. It showed that there were close to XXXX unauthorized inquiries made on my report and I tried to report that to them and got nowhere. My credit report shows a reflection of another person as I do n't recognize my name, social security number, my accounts, my address, or the XXXX inquiries on my report. This whole ordeal with XXXX has caused me financial hardships because it has damaged my credit in many ways that seems unfixable. I 've reached out to XXXX many times but received nothing in return. XXXX needs to be held accountable for their reckless behavior on my report that has caused unnecessary hardships. I could n't get a student loan to finish school because of their carelessness.
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

Recently attempted to call and confirm another police report sent to Experian. 
Their current stance is we have not recived it ... .. 
XXXX requested a police report dated within the last 30 days so I submited this also to Experian to request FCrA 605b block of information. This nightmare had been ongoing for 3+ mo with them and despite numerous attempts to get hem to follow FCRA laws they refuse. They keep opening investigations. They refuse to supply me with method of verification and continue to place me at an unfair advantage when requesting credit. 
I ca n't get approved for a mortgage due to this account and it 's causing my entire family XXXX and hardship. I have every intention on pursuing legal actions if I do n't get this resolved. 
I am opening a duplicate complaint so I can submit the most reason police report. 
Experian had already recived ID and proof of address from recent disputes related to XXXX different addresses and XXXX name variations.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (MA)

I want to make a formal complaint regarding the inaccurate credit information you have reported. I am extremely distressed that these inaccuracies have been included in my credit profile The Fair Credit Reporting Act Public Law 91-506, Title VI, Section 611 Subsection AD, and under FCRA and TILA. Without written agreements, I question the validity of any liability as a victim of identity theft. 
Credit reporting laws require that all reported information be 100 % accurate. Therefore, every measure must be taken to ensure the reported information is correct. 
The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-14
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: Experian Information Solutions Inc. (MD)

In XX/XX/XXXX - during a mortgage refinancing effort - I discovered on my credit report an unpaid claim of {$490.00} for a medical debt reported by XXXX XXXX XXXX. No attempts to collect this debt were sent to me at my address ( since XX/XX/XXXX ) so I had no knowledge of this claim. After following up with the debt collector, it was determined that it was from a doctor XXXX XXXX from XXXX XXXX XXXX, associated with the XXXX XXXX Hospital of XXXX for a visit on XX/XX/XXXX. I did not see any doctors at this practice at this time and was able to determine that this doctor was n't associated with this practice. The hospital could provide no more information on this charge. I disputed this with all three credit bureaus and they determined this to be fraudulent and removed it from my credit report. I just now ( XX/XX/XXXX ) discovered that the same charge appeared back on the Experian and XXXX credit reports under a NEW claim number. When I called the credit bureaus they said they did not reject this claim because it was under a NEW claim number so it APPEARED TO THEM AS A NEW DEBT COLLECTION ISSUE. I am presently disputing the charge again. I also called the debt collection agency - XXXX XXXX XXXX - to resolve this issue. The person who took my call, refused to acknowledge that this claim had been resolved as fraud and refused to acknowledge that it had been submitted under a new claim number. They did tell me the detail of the reported debt ( XXXX XXXX, XXXX XXXX, {$490.00} ) which then confirmed that it was, in fact, the same fraudulent debt that was disputed in XX/XX/XXXX. The only available option to me was for Experian and XXXX to start another 30-day dispute process. This is unacceptable that the credit agency is unable to identify this charge as the same JUST BECAUSE IT HAS A NEW NUMBER. This should be suspicious and this should be removed immediately while they investigate and only added later if they determined this to be true. This is DIFFERENT from normal disputes because it has the characteristics that show it is the same charge. I was able to determine this by making a quick call to the collection agency. Experian and XXXX should be able to do the same service for a consumer - they agreed with me on the phone that it looked fraudulent and said it was the new number that was the problem. By not addressing this quickly, they allow this scam to occur and this likely has a XXXX-XXXX point decrease on my credit score. I am attempting to close a mortgage in 45 days. Experian and XXXX does not have proper fraud detection measures in place to protect consumers.
Consumer complaint received 2017-08-15
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)

On X/X/17 I spoke to chase about charges to my account that were n't authorized by me. ( XXXX XXXX XXXX {$89.00} and  XXXX - {$87.00} ) I put in a claim and they reimburse me. On X/X/17 After the investigation they gave the company back the money on ( X/XX/17 ) said they had enough proof ( the Proof was My address and Phone Number ) to claim I did order the products and there was nothing they can do and I should call the company XXXX. I told Chase this was unacceptable and this is not proof. I lost this dispute because they verified my Address and Phone number - Not proof of delivery, not a Signature Not an Email Address or Chase Rep. told me today, they could n't verify my IP Address this purchase was made from. I called the company XXXX this morning and they told me they notice I did dispute the charges and I lost the dispute and there is nothing I can do. *Attach is the proof of unauthorized funds taking from my account
Consumer complaint received 2017-08-15
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I am involved in a Foreclosure sale and need it dismiss due to fraudulent documents used by the bank which is Bank of America. I sent them a letter to validate the account on XX/XX/XXXX, and they have not sent me anything to validate the debt as I requested. My account number with the Bank on this complaint is XXXX.  They sent a letter stating they needed more time to research the matter, but have not validated the account as first requested as of this date of XX/XX/XXXX.  I need the Foreclosure sale date of XX/XX/XXXX, at XXXX XXXX dismissed and canceled since the debt has not been validated and they were giving fraudulent documents to the lawyer handling the Foreclosure sale. The Law firm is located in XXXX, North Carolina and is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX and their phone number is (XXXX) XXXX. They have failed to answer a certified letter and numerous voice mail's left them. In one instant, they said I would have to contact the Bank, but the Bank is just stalling and taking their time to respond to my letters concerning this matter.  They had 30 days to validate the debt and they did not do so, so I request the Foreclosure Sale be canceled and dismissed at this time. The Lender on the Note and Deed of Trust they are using to foreclosure is a ficticious Lender and is not Bank of America so they have no Security interest in the loan and did not fund the Loan in the first place.  The Lender listed on the Note and Deed Of Trust did not have a Business  license's in the State of North Carolina in XX/XX/XXXX do even be underwriting or funding loans and is ficticious to start with.  I am still working with the Bank but need this Foreclosure sale on XX/XX/XXXX at XXXX XXXX to be canceled and dismissed at this time until this situation can be worked out the myself and the Bank. They also have changed theTrustee handling the Foreclosure but the Notice of Sale came from the Original Trustee not the one that was filed later but they are listed on the Notice of Sale letter dated XX/XX/XXXX.
Consumer complaint received 2017-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

Our loan servicing was moved from XXXX XXXX XXXX XXXX to LoanCare LLC, effective XXXX XXXX. Our on-time payment to XXXX XXXX  XXXX for the XXXX of XXXX, was not posted by LoanCare until XXXX, causing us to pay an additional 12 days of interest. Since that time, all payment made have been electronically transmitted through XXXX XXXX Bill Pay to this company - and all of them have been received by LoanCare prior to the due date, but posted a few days into the month - every single month. We have three other mortgage companies - all paid electronically through the same process, and all of the others post on time. We never had this problem with the prior servicer, XXXX XXXX XXXX. Here is what we have been dealing with : Payment Due XXXX ACH Remittance XXXX with XXXX payment date - Posted XXXX Payment Due XXXX ACH Remittance XXXX with XXXX payment date - Posted XXXX Payment Due XXXX ACH Remittance XXXX with XXXX payment date - Posted XXXX Payment Due XXXX ACH Remittance XXXX with XXXX payment date - Posted XXXX This means that not only are they in receipt of the ACH remittance from XXXX XXXX early or on time - but that all of the other Regions customers that are included in this remittance are also in the same boat. They are not posting our payments timely and are charging us interest for additional days when it is not due to them. Please advise. Thank you.
Consumer complaint received 2017-08-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Hello My name is XXXX XXXX I 'm filing a complaints because no Bank is letting me open any accounts I 'm writing to tell the information is wrong I was a victim of fraud and is trying to open a accounts can I please get some help Thank You
Consumer complaint received 2017-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

The card has been paid off for well over two years and I have about 5,000 reward miles that they will not allow me to redeem. I 've tried contacting them and get the explanation that my account is not in good standing. I do n't see what more I can do than having the card completely paid off. The out-sourced support person can only say in broken English " you have to get your account in good standing ''. I will certainly never do business with Capital One again.
Consumer complaint received 2017-07-13
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: EQUIFAX, INC. (TN)

I have tried to have some hard inquiries investigated and deleted from your company as they are hurting my credit score and the excuse that I get is they are statement of fact. This is not true and your company has failed to do the job laid out by the FCRA. I want these inquiries investigated and deleted.
here is a list of inquiries on my report that should be investigated and deleted XXXX XXXX XXXX XXXX XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit reporting agencies will tell you that credit inquiries are just a statement of fact and can not be removed. This is not true. FCRA Rules state that any information can be disputed and must be investigated.
<P/>
Credit inquiries made without permissible purpose can be removed. Additionally, the FCRA states you can sue for damages in the amount of {$1000.00} for each instance a company pulled your credit report without your permission.
<P/>
Credit inquiries made without your permission can indicate fraud ; in which case the credit reporting agencies may put a fraud alert in your files. A fraud alert will make it difficult for anyone, including you, to access your credit report without your permission.