davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NC)

It started with IndyMac switching are mortgage to Ocwen without giving me any notice. I was in the process of modifying my mortgage with Indymac. I had to start over with the modification process with Ocwen and its going on 3 years due to a reduction in my income. I sent in all the required documents by fax and email. When time to discuss my information they always reply '' we do not have your documents ''. When I send my documents I send them repeatedly. I received a house evalution on my property which is not accurate causing me to continue to pay PMI. My LTV is more than XXXX % and I should be paying PMI.
Consumer complaint received 2016-06-27
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I purchased an item using my XXXX XXXX Credit Card. The item was incorrect so I contacted the merchant who told me to send the item back and they would give me a refund. I sent the item back and never received the refund. 
I called XXXX XXXX to report a transaction and merchant. I shipped the item back and charged the return to my XXXX XXXX card so they could have adequate information and proof that I returned the item. XXXX said no problem they will place a claim and make sure that I do n't accrue interest on the item. 
XXXX asked that I fax them proof of the correspondence between the merchant and I plus proof of the return such as return label and tracking information all of which was sent to XXXX. XXXX asked that I wait 30 days while they complete their investigation. I waited 30 days and then I called them they told me do n't worry they are still waiting on the response from the merchant. I waited as instructed by XXXX customer service but I heard nothing from them. They were too busy sending my account to XXXX with no concern about my claim. 
On XXXX XXXX, 2016 I called XXXX again they said they cant help me any longer and that I must call XXXX because their partnership with XXXX has ended and XXXX should have all my detail. 
I called XXXX bank they said a charge for {$380.00} took place on XXXX XXXX, 2016. That same day a claim against those charges appeared and a credit was posted. Yet again that very same day the credit was removed and te charge was applied. XXXX said that the claim must have been resolved that 's why the added the charge back to my account. I told XXXX that the statement does n't make any sense. XXXX claims that the dispute was never resolved and that they must place a new claim. My problem is that XXXX knew that my TrueEarnings ( R ) Card from XXXX and XXXX XXXX would be replaced with a credit card from XXXX and would not be an XXXX XXXX XXXX Card anymore. I believe based on the notes that XXXX read to me that XXXX did n't care about my claim and did n't care to inform me that they placed the charge back to my account which accrued interest because it would not be their problem any more. I upset because XXXX had ample time to get the job done and keep me up to date with results but they willingly choose not to. When I called XXXX they told me that I must place a new claim and that they would take care of me. The customer service agent from XXXX told me it will take 24 hours and a agent would call me back but I have yet to receive a call from XXXX regarding my account. XXXX and XXXX need to get their things together and keep me up to date about my account.
Consumer complaint received 2019-09-04
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: CarMax, Inc. (CA)

CarMax reported two late payments on my credit report for a co-signed loan with my son. Reported dates of delinquency were for the months of XXXX and XXXX of 2017. I have contacted CarMax by phone several times, without resolution. I have challenged the items several times with XXXX, XXXX and XXXX. I provided hard copy proof that additional payments had been made that were misapplied as " principal only '' payments which would have covered the dates involved ahead of time. One additional payment was made in XXXX of 2017 and the other in XX/XX/2017 which is when we were first alerted by CarMax that there was a report of late payment. had the XXXX payment been properly credited, the account would have been ahead of due date for any months following, and would not have been reported 30 days late. Had the additional payments made in XXXX been properly applied to whole payments, the account would have been rectified and further bolstered before going into 60, let alone 30 days reporting erroneously overdue. They made no attempt to correct any of this. If you can help it would be greatly appreciated!
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (CA)

According to Equifax 's security report on www.equifaxsecurity2017.com/potential-impact/, I am likely part of their privacy breach. To be as safe as possible, my partner and I assume that our private identifying information is no longer private. Equifax 's exact words were : 'based on the information provided, we believe that your personal information may have been impacted by this incident. ' I submitted my information at XXXXXXXX XXXX PST XXXX XXXX, 2017. I found it disgusting that they attempted to enroll me in their 'XXXX XXXX ' account service, which includes in their terms of service the condition that I waive any right to participate in a class-action lawsuit against them. I did not accept these terms. 

After receiving this confirmation, I got my latest credit report from XXXX and placed a free 90-day hold on my credit, to avoid new lines of credit being taken out in my name. However, my information will now be available to malicious parties for much longer than 90 days. Once personal information is stolen it can never be made private again. Permanent damage has been done. 

Equifax has irresponsibly mishandled my personal information, and the personal information of millions of other Americans. Their behavior thus far indicates to me that they are more concerned with their survival as a corporation than the very real damage that will be done to people 's lives as a result of their cavalier actions.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX, 2017, I found out that my personal information was compromised due to a data breach that affected Equifax over a month ago. Since then, I have been taking precautions, one of which is to freeze my credit. It is ridiculous that a company which I never interacted with is affecting me financially and that I have to pay for every credit bureau in order to protect my credit. In addition to this, to be able to check whether my information was compromised, I had to complete an arbitration clause that excuses accountability from Equifax.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (WA)

I am among those who had data stolen in the Equifax hack. My name, address, credit, and social security are becoming public data as I type this, and I and many others will now have to take strong preventative measures to protect myself from identity theft. This is what happens when you let for-profit companies handle sensitive government data. Disgusting.
Consumer complaint received 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

I am writing to formally submit a complaint against PayPal and Synchrony Bank regarding my ongoing issues with a PayPal credit card that I opened in XX/XX/XXXX. 

Upon receiving and activating the card, I encountered persistent issues where all my attempted transactions were declined. Shortly thereafter, I began noticing unauthorized charges on my account. I promptly reported these fraudulent activities, leading to the issuance of several replacement cards ; however, the unauthorized charges were never resolved, and PayPal continued to pursue me for the outstanding balance. 

As of today, XX/XX/XXXX, the total of these unrecognized charges has escalated to {$10000.00}. Despite my repeated attempts to clarify this situation with both PayPal and Synchrony Bank, I have received inconsistent information. I possess a letter from Synchrony dated XX/XX/XXXX, confirming that my credit card account has been closed and that credit bureaus have been notified. Yet, I have just received another statement from XXXX dated XX/XX/XXXX, indicating a balance of {$10000.00}. 

This matter has now become particularly distressing, as the unpaid balance is negatively affecting my credit score. I am being held accountable for charges related to a card I could not use and attempted to close. It is deeply frustrating to be caught in this situation, especially when it appears that I have taken all necessary steps to resolve it.

I respectfully request your assistance in addressing this matter and ensuring that PayPal and Synchrony Bank fulfill their responsibilities to rectify the unauthorized charges and provide accurate information regarding my account status.

Thank you for your attention to this pressing issue.

Sincerely,
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (CA)

Equifax was hacked recently and I through their website ( https : //www.equifaxsecurity2017.com/potential-impact/ ) I was informed that I was affected. My social security number is no longer safe and potentially at risk.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (MO)

In XXXX of XXXX, Equifax allowed my personal information ( name, social security number, address, etc. ) to be stolen. I 'm now at risk for identity theft. I 've not yet been contacted by Equifax. I 've asked for a temporary fraud alert through XXXX.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (KS)

Equifax stored my personal information for their own benefit. In doing so, they did not provide adequate protection for that data. My information has likely been stolen according to their website lookup tool.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Heres a CFPB complaint description that references relevant federal and California state laws : -- - **Complaint Description : ** I am writing to dispute a fraudulent account that appears on my credit report. The account details are as follows : - **Account Name : ** XXXX XXXX XXXX XXXXXXXX ( Also known as XXXX XXXX XXXX, XXXX ) - **Account Number : ** XXXX - **Date Opened : ** XX/XX/2024 - **Balance : ** {$190.00} This account was not authorized by me and was opened as a result of identity theft. I have never had any dealings with this company and did not consent to this account being opened in my name. This fraudulent account has severely impacted my creditworthiness and has caused undue stress and hardship. 

This account was previously removed from my credit report but has inexplicably reappeared. I am requesting its immediate removal once again and that it be permanently blocked from reappearing on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have fraudulent information resulting from identity theft removed from my credit report. Additionally, Californias Identity Theft Protection Act ( XXXX. XXXX. XXXX  XXXX ) reinforces my right to dispute and demand the removal of fraudulent accounts. 

This repeated reappearance of the account violates my consumer rights under both federal and state law. I demand that this account be removed and blocked from my credit report permanently and that I receive confirmation of this action in writing. 

Failure to comply with this request will leave me with no choice but to pursue further action, including legal remedies under the FCRA and California state law.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (TX)

Equifax data was breached months ago and is now coming out to the public. Very important information was released without authorization and this company should be made responsible for the long lasting ramifications that its customers may have to endure.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (GA)

Equifax experienced a cyber attack in which people 's social security numbers, names, addresses, credit card info were compromised. I enquired if I was one of those people and was directed to their website to determine if indeed I was. It confirmed that I was indeed one of those people. 
They offered to monitor my credit for free for a year. I would be losing my ability to easily hold them accountable and to have them rectify the situation by signing their agreement. Unacceptable.
Consumer complaint received 2017-04-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlanticus Services Corporation (OR)

I am in dispute of the balance owed on this account. I have requested a copy of my signed loan agreement twice on the company 's website, and have received neither acknowledgement of my request or the document itself.     I received a collection call on Saturday,  XXXX  from phone number  XXXX . I informed the agent, whose name I could not understand, that I would bring the account current on  XXXX   XXXX  ; I am currently late on the payment due  XXXX   XXXX ,  XXXX .     I told the agent that I had requested a copy of my loan documents on the web, and that I had not received them. I asked the agent to provide a copy to me, and he told me that I could not have a copy of my loan documents until I brought the loan current.     I do not receive monthly statements from this company. A review of the statement history online reflects that I have been assessed a monthly " interest charge purchase '' since  XXXX ,  XXXX , totaling over {$600.00}. I do not understand why this charge is being added to my loan balance.     I feel that this refusal to provide me with a copy of my loan documents is an attempt to prevent me from verifying that I am being overcharged for this loan. My record of payments made shows that my open balance is much lower than what the company says I owe. I wish to have the original docs so I can verify my account.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (UT)

All of my personal information has been potentially compromised in the recent breach of Equifax. I feel threatened and unsafe. I am having to implement more security measures than I ever thought I would need.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I faxed in several copies of my XXXX orders and a written statement to any/all fax numbers I could find, and sent letters to addresses listen on Navient 's website requesting that they retroactively apply the 6 % interest against my account according to the Service Members Civil Relief Act, which they along with XXXX XXXX ( the original lender ) stated that student loans do NOT fall under SCRA protection. I never got a response back in any form. There should have at least been a check issued because the accounts were paid in full at a higher interest rate than the SCRA limit. 

Also, after learning Navient was now servicing my accounts, XXXX XXXX never gave me notifcation of any new account information, just a simple webpage that stated they no longer service the account. Navient states that I do not have an account with them at all. XXXX XXXX was the servicing lender when the accounts were paid in full, now I no longer have a history that they were automatically keeping a history on.
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (FL)

I had a non-recourse business loan and the company filed a lawsuit in NY. I reside in Florida. 

Florida law states that a judgment must be filed in the County the debitor lives as a foreign judgment and this was not done. XXXX XXXX is where my XXXX  is located. I was also never served. The merchant cash advance loan company filed in NY to make sure I was unaware and they never served me. 

Navy Fedral froze my account during the Florida hurricane totaling {$2500.00} which left me stranded due to evacuation. This obviously caused massive stress during a life threatening hurricane.

I would like my funds released based on Florida law, and reviewing the court site which shows there is not a foreign judgement filed.
Consumer complaint received 2016-07-29
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Insight Financial Services LLC (FL)

XXXX 2016, we submitted a loan application and the required docs and received a Pre-Approval letter by Insight Loans so we placed a contract on a home based on the amount of the Pre-Approval. 

Awaiting closing, we packed up our entire household items, informed our landlord that we were moving out so he arranged showings on the house, and many other time consuming and/or costly changes. A few days before closing, we had n't received any updates except a few text messages stating that underwriting was very busy but rest assured everything will be fine. Closing day came and went without any return calls/emails that we made as well as requests from our realtor and the seller 's realtor. We also emailed XXXX XXXX ( lender ), to no avail. 

A day after expected close date, we were asked for an extension from Insight. The sellers did not give us an extension because they were very frustrated and had already moved out ( expecting to close ) and paying XXXX mortgages. We never received an update from Insight Loans that day and the home was put back on the market. 

Later that week, we were informed that the Senior Underwriter did n't approve our loan! We were in shock! NOTHING had changed on our end - everything remained the same. The final excuse we received as to why our loan was declined was because the Loan Officer calculated the income incorrectly. 

We understand that closings fall through all of the time due to changes that occur on the buyer 's end. However, there were NO changes on our end and the loan officer agreed. We met every condition the underwriter had sent. We are devastated that we lost the home and how this affected many families. The after-the-fact apology that was received by the loan officer does not begin to make up for what we are going through. 

How could this process go this far and then only receive an excuse of " the income was calculated incorrectly ''?? We have it all documented in an email. 

We are living in a house that is all packed up with nowhere to go. Also, the sellers are now refusing to give us our earnest money back and we have paid money towards inspections, etc. that we have not received back.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (TX)

Monthly payments of {$100.00} do not get posted every time. Maybe 3 of 6 are not posted. 
And, when the payment is posted as the XXXX it is shown as {$11.00} to principal and {$88.00} to interest. Other months the principal and interest amounts are all over the place. 
HELP!!!
Consumer complaint received 2017-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

The account was opened   XXXX   XXXX   XXXX   for {$500.00}. I had problem with the account and finally had an agreement with  Khol 's to  pay off the account in  XXXX   XXXX . The payment was paid in full and satisfactory to my creditor as per our mutual agreement. The credit reporting agencies keep on reporting it as  Paid,  was a charge-off despite that the account was paid in full not charge off.   Over 1 year my creditor and I have try to inform the credit reporting agencies to make this correction without luck. In  XXXX  report, it is stated as F P ( Fail to Pay ) a s of  XXXX   XXXX  which was the last report in my credit report despite my recent creditor report to  XXXX .   On  XXXX   XXXX  -  XXXX ,  XXXX  was credit scores was reduced by  credit score  by  XXXX  points from  XXXX  to  XXXX  without any changes in my credit transaction. The reason   XXXX    took such action was because I express dissatisfaction with how   XXXX   was handing my credit investigation wit h Khol 's. T he  XXXX  are punishing consumer who exercise there right to ask for fair credit report treatment