davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have a mortgage account with Nationstar mortgage. We made a payment today but they reversed it, kept the money ( unapplied ) and refuses to give us explanation. I feel like they just want our house. Years ago, we ran into financial trouble due to unemployment. We seek for loan modification. They took years to process it. Then when they finally modified our house. They added over $ XXXX towards our balance, unpaid payments, and raised our payments to {$3500.00}. This caused us even more financial trouble. They robbed us. We put so much money down to buy this house. We have been paying for 9 years. Loan started at $ XXXX but now it 's $ XXXX because of the greed of this mortgage company. We want help to get forgiveness for amount they capitalized, put us in an affordable payment and help us stay in our home. Now the website shows I am not eligible to make payments?
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possibleaccuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of thereinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-04-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

On or about XXXX, XXXX, I addressed Ocwen Loan Servicing , LLC with my concerns regarding the incorrect paid year to date escrow balance on my monthly statement. I went through month 's of unnecessary XXXX and back and forth with Ocwen and their attorney 's about my concerns. I was advised that there was a flaw with the paid year to date escrow infrastructure of my statement. In several emails I was assured by Ocwen 's attorney that this flaw would be fixed. However, in XXXX, XXXX, I made an additional escrow payment for {$200.00}, and it was applied incorrectly. 

Once again, I contacted Ocwen 's customer service, escalation department, and the research department about this matter. I was told the XXXX, XXXX, additional escrow payment was reversed, and would reflect correctly on my XXXX, XXXX, statement. However, when I called to follow up I was given several different answers, and to date nothing has been corrected on my statement. I have had enough of Ocwen and their run around explanations. Ocwen needs to do better and be held accountable for their ongoing careless mistakes.
Consumer complaint received 2017-02-14
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I owe capital one a little over XXXX dollars. I gave notice over the phone that I would not be able to make payment for next three months. then a week later I started getting XXXX six calls a day and when i answer no one is there. i call back the number XXXX XXXX and it is capital one but there is no way to talk to any XXXX. very frustrating.
Consumer complaint received 2016-05-04
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am a XXXX American XXXX veteran. I have been a customer with Capital One for years. I was hospitalized from XXXX XXXX until XXXX XXXX XXXX. On XX/XX/XXXX I was in XXXX at the VA Hospital. A merchant charged me for a service billing my credit card XXXX. I did n't approve this charge. Even though this merchant House Detectives did n't have any signed invoice by me, Capital One charged me. They did n't consider the fact that I was hospitalized at this time in XXXX and my doctor said due to my condition at that time I should n't be responsible for any financial obligations.
Consumer complaint received 2016-10-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC (NE)

This is a follow up to Case number : XXXX. The company, American Credit Acceptance continues to call me with dead air voicemails. One voicemail appears that the person calling is talking to someone else, while another appears that they are eating. Multiple times over the past two months, I have requested for a due date change. This is due to my pay cycle changing. It was explained that my due date can change upon bringing account current. In attempts to resolve the situations, I attempted to reach out to " XXXX XXXX '' at " XXXXXXXXXXXX '' on multiple occasions with no reply being received. This attempt to reach out to the " Customer Relations Manager '' is not proving to be providing good customer relations. ACA 's website offers an option to send an e-mail, from their secured website. I have attempted to send multiple e-mails, received no replies. Their website includes a fax number, so I thought I would fax a written request to change the due date. The fax failed on three different attempts with a message of " No Answer ''. ACA is the worst company with the worst customer service. As I have been unable to have anyone respond to my inquiries, I am again past due, and per their supposed policy, a due date change is not available until the account is current. This company is only available during times that I am not. I am not able to answer the phone at a drop of a hat. During my last attempt to resolve, I had spent 45 minutes of my day ( which I later had a discussion with my manager about me not being available ) playing phone tag. During my last attempt to resolve, I had to explain to multiple people the arrangement ... ..was told to make one payment, call back at the end of the month with the next payment, but when I called back, there was no record of such arrangement and had to explain for a total of four times the arrangement. 

This company is extremely unprofessional and does not care about their customers. I am attempting to get ahead, but this company makes it difficult to work with.
Consumer complaint received 2016-10-06
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: American Payment Holdco, Inc. (DC)

A friend transferred money to me using Popmoney. First, the email notifying me of he transfer was not marked as coming from Popmoney so I did not see it looking for Popmoney as the transferor had identified it. After a thorough search of my emails I found it XXXX days later. When I tried to collect my funds, the website was nearly impossible to use. First, when they sent my an email that was supposed to contain a PIN number, the email did not include it. I was wise enough to try a second time and only on the second try did the email contain the PIN number. Next, they needed my birth date but the only way to select my birth date was to click a back arrow through 65 years at XXXX month per click..When I finally reached the point where I could attempt to deposit the funds, the menu to select the destination account listed the account but it was not clickable. Finally I called Popmoney and was informed that their mobile website has not been working properly and I would have to go to a non-mobile device to complete the deposit. Fortunately, I am a wealthy individual who has both mobile and non-mobile device so I was able to complete the transaction.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have identified several fraudulent collection accounts on my credit report, which are the result of identity theft. Despite numerous attempts to rectify these errors with the credit bureaus, they have failed to take appropriate action. This ongoing inaction is severely impacting my credit standing and financial well-being. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am entitled to have all fraudulent information resulting from identity theft removed from my credit report promptly.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

I am writing to formally dispute the inaccurate information reported by XXXX XXXX XXXX on my credit reports with Experian, XXXX, and XXXX. The discrepancies in the reported data are significant and have led to a misrepresentation of my credit profile. Additionally, there are concerns regarding a breach of privacy, as my personal information appears to have been mishandled or improperly shared. I demand the immediate removal of this account from all credit reports and compensation for the harm caused by these inaccuracies and violations. 

Inaccuracies Identified XXXX. Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Payment History : Experian : No late payments reported XXXX : Was 90 Days Late XXXX XXXX XXXX : No late payments reported Violations and Impact The discrepancies between the credit bureaus in terms of the date last active and payment history are severe. The inconsistent reporting of late payments, with XXXX indicating a large number of late payments while Experian and XXXX show none, is particularly misleading and damaging. Additionally, the potential unauthorized sharing or mishandling of my personal information with third parties constitutes a serious breach of privacy, causing undue stress and potential harm.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in the reported information violate this requirement.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

6. Right to Privacy : The unauthorized handling or sharing of my account information, particularly with third parties, constitutes a breach of my privacy rights. This includes disclosing sensitive information without proper consent or authorization.
Consumer complaint received 2017-03-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (KY)

I recently had a loan paid off with Wells Fargo for my auto loan. I have been trying to reach Wells Fargo in regard to an over payment to my loan, and have received no response. I have called several times and submitted an email to Wells Fargo Dealer Services with no return contact.
Consumer complaint received 2016-09-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION (FL)

CENTRAL FINL CONTROL ACCOUNT NUMBERs : XXXX, XXXX, XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CENTRAL FINL CONTROL or any company associate with this account # XXXX, XXXX, XXXX, XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CENTRAL FINL CONTROL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2016-10-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Performant Financial Corporation (PA)

I received a call from Performant Recovery on my work phone yesterday XXXX. When I answered the lady identified herself and said she was calling to collect a debt from when I attended school at XXXX. Currently I am in a program with XXXX relief to handle my private school loans. I told her do n't ever call this number again because it 's my work phone. She got angry and said well I ca n't reach you at your other phone. I said I do n't care do n't call this number ever again. She said I 'll just call the other person and hung up on me. She then called my mom 's work phone and harassed her. This made my mother angry as well. Very unprofessional and very ILLEGAL!
Consumer complaint received 2024-08-18
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. (TX)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Yes, today I wake up to seeing a late payment on my card. I reached out to the company and was transferred at least 4 different times. They further kept saying that they would request to the " upper department '' to have this removed. They said they understood that I have never made a lat payment on my account and that they were sorry this happened, but then began to get hostile. They were very rude, each person was someone new, first a customer service agent, then a supervisor, then a manager, then a supervisor manager, and they all sounded the same, it almost sounded like I was getting pranked. This card company just seems fraudulent, its not the best and its a company that gives cards to people with lower to no credit, and I got it so that I could build my credit, and all I've had is problems. They explained that they mailed my statement to me, but I never received it. I told them my updated address and let them know that I did update my address and nobody seemed to care. How am I to know, if I never received the statement? In every attempt to talk, I was rudely interrupted and even yelled at. I am a young man in law school, I can not even imagine for someone who is elderly or mentally challenged how difficult these processes are.
Consumer complaint received 2016-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TD BANK US HOLDING COMPANY (PA)

I bought a watch battery worth less than {$10.00} and paid it in full via a promotion program by XXXX XXXX. While I did not establish a credit relationship or made any further purchases from the Jewelry store, the company has consistently billed me for Jewel purchases that I do not know anything about. On learning about the bills, I immediately went to the same XXXX to request immediate bill correction and to stop sending bills. My many visits and subsequent reassurances that the matter will be handled, have how lasted for close to 10 months. The company has consistently sent me huge bills the latest being {$5600.00} coupled with threats for collection. This has continued to come despite my objection to the company and multiple requests to be removed from the company 's debtors list. 

Distress : Just recently, as I attempted to co-sign an auto loan for my son as he joins college, I was dumbfounded to learn that XXXX have damaged my credit rating in a report to the credit bureau. The company has also continued to issue threats to me for collection measures. 

Because of XXXX XXXX 's fraudulent charges, my historically high credit rating has been damaged to the effect that I am not able to make any progress in my life and that of my family members.I am in urgent need to have the company remove the negative report and to compensate for the distress caused by the 10-month long ordeal.
Consumer complaint received 2016-09-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/XXXX I made a cash deposit to cover pending charges in my back account. All transactions, including my deposit, posted on the same day. However, TD Bank process transactions in a way that 's designed to collect fees from consumers. Basically they posted my debits before my credit, making me incur XXXX dollars in overdraft fees. This is not the first time this bank does that, and although it might not be illegal, it 's morally wrong. I walked into the bank to have them reverse the fees and they refused. XXXX XXXX, supposedly the supervisor at the branch located at XXXX XXXX XXXX XXXX XXXX, FL XXXX, told me that if I was not OK with the fee to go find another bank, that he would not refund the fee because it was not a bank error.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

ACCOUNTS 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 XXXX XXXX XXXX XXXXXXXX I discovered inaccuracies on my credit report regarding several collection accounts, which I believe are due to identity theft. Despite multiple attempts to correct these errors through the credit bureaus, the inaccuracies persist. This misinformation is negatively impacting my credit standing and financial well-being. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), I have the right to have fraudulent information resulting from identity theft blocked from my credit report.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am a US citizen raised my entire life in the XXXX by my late maternal grandparents. My Father after coming out of XXXX has used my SSN to open a credit card in my name and I would like it closed as he has borrowed almost the maximum making on the card and has not paid it off. It is now negatively impacting my credit and he opened it without my consent whilst I was still living in XXXX.
Consumer complaint received 2016-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX - Account XXXX .... 

This account in incomplete and incorrect. 

Was opened in XXXX and closed in XXXX Has an Inaccurate Pay status, it should be Paid/Closed XXXX Balance Is missing its balance history for the duration of the time the account had been open Is missing Payment Data for the duration of the time the account had been open Has erroneous comments added - to this and almost all of my accounts.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I am trying to freeze my Equifax credit report. For the last 3 months every time I try to login, I am told that my account is temporary unavailable. I can't do anything to freeze my account. Others are reporting similar experiences online, stating that the only viable resolution for Equifax to fix login was to file cfpb complaint.