davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

On XX/XX/XXXX, I submitted an identity theft complaint to XXXX identifying an account that appeared that did not belong to me. This was submitted under Rule 605B and I noted the 4 business day requirement. I also spoke to the company who reported the account and they confirmed it was identity theft and they immediately submitted a request through e-Oscar to remove the account from my credit file with confirmation number XXXX. To date, XXXX has not removed the account despite my identity theft report with all supporting documents AND the reporting company requesting that it be removed as well, nor have they sent me anything stating they would not block the information. This is severely impacting my credit rating and it is in direct violation of the FCRA and Rule 605B. I have spoken to XXXX twice about this, and they say they have no way to confirm the confirmation number from the company and are generally rude about it. They are treating this issue as a regular dispute when it is not at all, and was clearly outlined in the letter I sent to them. 
I also sent them an initial letter on XX/XX/XXXX with a list of information and inquiries that were not from me and the result of identity theft. They did not do anything with the letter despite it being received on XX/XX/XXXX until XX/XX/XXXX when I called to inquire why they had not processed it. The agent I spoke to ( XXXX XXXX said she did not have an explanation because I submitted everything that was required, and she was able to remove several of the inquiries while on the phone with her. The XXXX XXXX account appeared on XX/XX/XXXX, but XXXX advised that I needed to resubmit the documents and a new FTC report on that account to experian.com/uploads. I did this while on the phone with her. 
For XXXX and Equifax, they also have the information about the fraudulent accounts and the identity theft report along with all supporting documentation. XXXX has removed inquiries but not the accounts. Equifax has done nothing at all. The lack of action or notification is also a direct violation of the FCRA and the Rule 605B regulation.
Consumer complaint received 2016-02-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

Ocwen services my loan, They are NOT the lender, They just service loans ( collect payments and pass on to lender ). I asked for the name of my lender but they have NOT provided that information. In fact, every email I have sent since original phone call comes back as non deliverable.Ther si no other way to contact them except by phone and that has not worked, They are currently under investigation by XXXX state regulators for irregular servicing activities, They have a horrible track record and their CEO was forced out. All I want is the name of my lender!! Ocwen loan # XXXX
Consumer complaint received 2016-02-28
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CA)

I applied for an American Express XXXX XXXX XXXX which promised {$250.00} after spending {$1000.00} in 90 days. They only gave me {$150.00} after I put in the purchases of over {$1000.00}. I put in a request to have it researched on XXXX XXXX. I called them half a dozen times and it is still not resolved. I sent them the screenshot of their advertisement. They still have not resolved the issue. I am going to file this and let them know I will close my account and deduct what is owing me.
Consumer complaint received 2015-03-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (NC)

I have received multiple calls from phone number XXXX A revrese lookup said theyare Receivables performance management located in XXXX va. They are looking for someone named XXXX XXXX. I have told them i dont know who she is but they keep calling me asking fer her hanging up etc. Once person went so far as to say well records show you have the same address. She was most likely the person that was renting here before me. I dont know how they got my number they just need to stop calling me.
Consumer complaint received 2016-02-29
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (ME)

Synchrony Bank keeps calling every hour on the hour it seems, to collect on their carecredit credit card.. I have repeatedly told them we are in the process f making a payment and this does not seem to sink in. I am at my wits end with them and feel the only course of action is to file a lawsuit. I do not want or need this sort of harassment.
Consumer complaint received 2015-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Avant Credit Corporation (TX)

My daughter took on her own an emergency loan with the credit company " avant credit '' to face medical expenses ( XXXX with no income ). 
She has not been able to make payments back. The loan has been sold to another company " XXXX XXXX '' phone XXXX XXXX XXXX ( debt collector ). We have tried to call them many times but afound an answering machine each time we class, at any time during business hours. It is impossible to solve the loan. Interests continue to be added during this time!!!!
Consumer complaint received 2016-02-29
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Moss Law Firm, P.C. (TX)

I had a XXXX card in XXXX. I got in a financial crisis and was n't able to pay it. In XXXX I believe I was sued. I never went to court so I believe the judgement was against me. I have no paper work of the outcome of the lawsuit. XXXX sold or hired Moss Law Firm from XXXX Texas to collect dept. I have n't received any paper work from them stating that they were going to freeze my accounts. I have never given them permission either to do so. XXXX/XXXX/XXXX my account was put on hold and {$6700.00} was removed. XXXX law firm was contacted and they told me it was a XXXX card I had n't paid. Its been over 8 years I thought all this should of gone away. The deal they are giving me is to verbally give them an approval to withdraw {$5000.00} and pay them {$250.00} a month until depth is paid in full. If they have a judgment against me to take money why do they need my permission to take it??? red flag. I asked them why they did n't tell me they were going to freeze my account and they told me they did n't have to until after they froze it. red flag. I asked them how much they bought the account for from XXXX and they said they did n't that they were working for XXXX. When I asked for XXXX phone number they said they did n't have it??? red flag If you work for some XXXX you should be able to contact them. When I asked who was the judge that ruled against me they did n't have his name either???? red flag. I believe something wrong is happening and want to make sure all this is legal. This account is my wife 's account which she had just deposited her income check. I am on the account but do n't use it. the {$6700.00} can be traced to a check made to her from the XXXX. I thought you could n't do this in Texas. The people at Moss Law firm acted like they did n't know what to say when asked simple questions. When I asked the ( lawyer )?? who had put the {$5000.00} withdraw amount she said she did. red flag. I asked her nicely why she would n't take {$3000.00} and she said because she wanted {$5000.00}. What happen to what XXXX the client wants. Things just do n't add up. I was told CFPB would be able to help me resolve this. thank you for you time. please advise
Consumer complaint received 2016-02-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: STANDARD MORTGAGE CORPORATION (LA)

I lost my job XX/XX/XXXX and asked my mortgage company to extend my loan one month so that I can stop having to pay them {$37.00} in delinquent fees like I have been doing since XX/XX/XXXX because I get my social security check on the last week of every month. The note is due on the first, but since I fell delinquent XX/XX/XXXX due to my job loss and my social security checks did n't start coming in until XX/XX/XXXX ; I called Standard Mortgage asking them to help me catch up. They said no just like they have done since I opened the mortgage loan with them in XX/XX/XXXX. I can understand them not helping me before when I was working and just had minor problems, but this is a very serious issue because I am forced now to pay the {$37.00} late fee to keep my loan from becoming default. As of today, XX/XX/XXXX I can not make my mortgage payment because I had to use the only money I have to pay for my filing of Chapter XXXX Bankruptcy. As of tomorrow I will be in default on my mortgage simply because Standard Mortgage refuses to help me by restructuring my loan to where I can be current on my payments.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Experian continues to inaccurately report an account with XXXX XXXX XXXX XXXX on my credit report. Upon contacting XXXX XXXX XXXX, they have stated ( in writing ) that they can not locate any account under my name or associated account details. Despite their inability to locate the account, they continue to report this erroneous information to Experian. Experian is legally required under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and completeness of the information they report. Continuing to report an account that is not recognized by the creditor is a clear violation of this responsibility. They continue to claim the account has been " verified '' but refuse to provide documentation of who they have verified the account with. They are illegally reporting an account that the company themself have claimed to have no ACCURATE knowledge so they can not LEGALLY report accurate information monthly. How can Experian verify and update an account that XXXX can not verify and deletes to not continue to hold me responsible.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-02-28
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (TX)

My deceased mother continue to recieve mail and correspondence From CitiMortgage , Inc in regards to an alleged Mortgage : Please se CFPB Case # XXXX XXXX, XXXX & XXXX.
Consumer complaint received 2016-02-29
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I applied for a credit card from Capital One Bank ( USA ) , N.A . and was refused. The XXXX ( XXXX ) reasons they gave to refuse issuing the card were that : 1 ) " based on my credit report from XXXX, too few or no revolving accounts have a balance. '' My letter to them informed them why that is so - " I pay my credit card bills every month in full -- generally on the day the bill arrives in the mail. '' 2 ) " based on your credit report from XXXX, there are too many new revolving accounts. '' My letter to them informed them that " I have no new revolving accounts. The last account I opened was probably at least eight ( 8 ) or nine ( 9 ) months ago. And, in fact I have only XXXX ( XXXX ) revolving accounts that are in active use. '' 3 ) " Based on your application information, income is insufficient for requested credit. '' My letter to them informed them that " my income -- approximately XXXX per year ( I am retired ), plus having over {>= $1,000,000} cash in savings accounts -- is more than sufficient for the requested credit card. Note, too, that my credit score -- XXXX out of XXXX -- is probably higher than the majority of applicants who request, and are granted, a card from your bank. '' In short, it appears that Capital One Bank ( USA ) , N.A . is refusing to issue me a card because I pay my balance in full every month. That 's no reason to refuse to issue a card and should not be allowed. 

My credit rating is about as good as you can get, and always has been. I do n't need a Capital One Bank credit card -- in fact, I recently received in the mail an unsolicited offer from XXXX XXXX to apply for their card which I did, and was approved for immediately without issue. However, I am stunned and angry that Capital One would continue to deny me a credit card after I pointed out to them that their reasons were totally incorrect. 

That card offers several unique benefits and I want that card issued to me.
Consumer complaint received 2015-03-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (FL)

Please know I greatly appreciate your assistance with this matter. 
This complaint is a follow up to my previous case you had been assisting me with, case # XXXX. After more then 3 years trying to obtain a resolution, I deem your assistance was key in getting the bank to move forward with our modification. In XX/XX/XXXX, they finally approved the trial loan modification.Therefore, I did not pursue it further or dispute the complaint, as I assumed it was resolved. I completed all the documents they requested and agreed to assume the loan. 
I started making my XXXX of XXXX trial payments in XX/XX/XXXX. They were supposed to complete my final modification in XX/XX/XXXX. In XXXX, they told me that the final loan modification documents had been issued incorrectly and had to be redone, on account it is also an assumption, which they knew from the onset! I have now made XXXX payments and still have not been provided the final documents. The last times I have called, I 've had to speak with customer service reps. that have no idea what 's going on. They just try to read the notes stated on the computer and even their interpretation has been evasive. They stated they would have the processor update the file and contact me, but that 's never happened. 
After persisting 2 days ago to determine whom should be the contact person handling my file, their processor XXXX XXXX, had customer service inform me XXXX XXXX and XXXX XXXX were handling the assumption. Nevertheless, they would not transfer my call to them. Instead they said they were emailing both, to advise them to contact me and update the file. This has not been done either. 
I am getting very concerned at this point. I have complied with all their requests and completed XXXX trial payments on a timely basis. I have already scheduled the XXXX payment for Monday, XXXX XXXX. There should be no reason for them to not finalize this modification. I 've had to spend over {$20000.00} in repairs to the home, due to storm damage their force placed insurance would not cover. I do not want to lose my home. 
I would greatly appreciate your assistance in getting this completed. 
You have all the information for the bank, Seterus. The details of what has transpired and all supporting documents are in your system under the XXXX # listed above. I did not find a way to respond to status there. For this reason, I 'm initiating a new complaint. If you need me to send everything again, please let me know? 
Thank you very much for your time and assistance, XXXX XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2016-02-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (SC)

Im trying to pay off my mortgage in full by means of a check issued to myself & Nationstar from my insurance company XXXX XXXX. Im having problems getting them to resolve how to get the {$25000.00} that was over the mortgage payoff ammount. First they claimed to have recieved the check but lost the notorized paperwork that was sent with the insurance check. After I faxed the paperwork they lost when I called back Customer Service said the Loss Department was the next step & transfered me to the Loss Department. The Loss department said that this had to be handled by Customer Service & transferred me back to Customer Service. When Customer Service answered again they tried to send me back to the Loss Dept. I requested to speak with a manager several times but was put on hold for up to 20 minutes & never got to speak with a manager. This has been going on for 3 days now & Nationstar will not resolve or even acknowledge this issue.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2024 To Whom It May Concern, This letter is MY 2ND FORMAL COMPLAINT that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

The following information therefore needs to be re-investigated. 
XXXX XXXX XXXX XXXX There is a concern I have regarding the accuracy of your agency 's reporting for this account. I have consistently made my payments on time, and thus there should not be any instances of negative remarks. I kindly request you to carefully review all the information related to this account or ensure it is UPDATED in my report. 

ATTACHED TO THIS COMPLAINT YOU WILL SEE THE MANY INNACURACIES BEING REPORTED ON JUST THIS ONE ACCOUNT FEDERAL LAW STATES ALL DATES MUST MATCH AND THE ONES ON MY ACCOUNT DO NOT. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be updated from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please update this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re- investigation. 

Sincerely yours, XXXX XXXX