davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-12
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. (GA)

I have contacted Experian on several occasions that these inquiries do not belong to me. I contacted customer service in XX/XX/XXXX and told them that my sister name was reporting on my credit report and that several of her information was on my file as well. They removed most of the information but these XXXX inquiries are still reporting. On XX/XX/XXXX they placed an fraud alert on my file but didnt remove the inquiries. I need these inquiries from XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX all removed because they do not belong to me. Each time I contacted and wrote to Experian they came back saying please contact the company to have them removed but the companies do not have my information in their system.
Consumer complaint received 2017-12-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

Ocwen claims it sold my house to XXXX XXXX via a foreclosure auction in XXXX XXXX. XXXX XXXX  subsequently filed an action trying to evict me in XXXX XXXX XXXX. I have been fighting them in court ever since. I have been represented in that action by XXXX XXXX XXXX XXXX since XXXX of XXXX. In XXXX of XXXX, Fannie Mae switched its counsel from XXXX XXXX to XXXX and XXXX. When XXXX became new counsel, they stated that XXXX XXXX and its servicer Ocwen were willing to evaluate me for a loan modification. They asked that I submit a Request for Mortgage Assistance package. I submitted a package with pages and pages of supporting documentation in XXXX XXXX. Over the next two months, Ocwen, through counsel requested additional documents three separate times. Each time I promptly provided them with what was requested. 

On XXXX XXXX,, my attorney received a letter from Ocwen ( which was dated XXXX XXXX, XXXX ) via email from an attorney from XXXX. The letter ( which is attached ) said that Ocwen could not offer me a loan modification because my loan was post-foreclosure. However, Ocwen and XXXX XXXX knew this all. I do not understand why they asked me to submit an entire application, and rounds of supporting documentation if they were going to deny my application for a reason they knew all along. There is absolutely no indication they ever did any sort of individualized analysis based on my income and debts. My attorney contacted the attorneys at XXXX right after she received the letter from Ocwen and told them how she did n't understand why Ocwen would say they would review me ( and ask for so many documents ) if they were going to reject me for the fact that the loan was post-foreclosure. The XXXX attorneys did not respond to her emails or voicemails. 

On XXXX XXXX, XXXX, I encountered an individual outside of my Property trying to take measurements. When I asked him why he was there, he stated that he was trying to assess the property for a pending sale. My son XXXX then discovered a listing for the Property on XXXX, which states that the Property has been under contract since an auction on XXXX XXXX, XXXX. ( I have included a copy of the listing. ) I realized all the while that Ocwen and XXXX XXXX said they were considering me for a loan modification, they were trying to sell the property. 

Ocwen 's and XXXX XXXX 's actions are all the more upsetting to me because my ex-husband and I were once offered an affordable forbearance plan ( in XXXX ) and then the former servicer ( XXXX ) kicked us out of the plan because my ex messed up a payment by a penny. I begged XXXX to let us make the proper payment and remain in the plan but they refused. Neither XXXX nor Ocwen has ever done an individualized loan modification analysis, taking into account my actual income and debts, since that point and time.
Consumer complaint received 2017-12-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (NC)

I was informed back in XXXX of XXXX that I had a debt being sought out to be paid XXXX XXXX. They claimed they were collecting on behalf of XXXX XXXX XXXX on a balance for {$90.00}. The account number I was given was # XXXX. At this time I disputed the information. It came back that they did agree to my dispute, deleted the information from all 3 of the credit bureaus and it was gone. Then I recently became aware that a new agency by the name of XXXX with a new account number listed under XXXX. I disputed this as well and it fell off of 2 of my credit reports but they have not removed the information from XXXX. I have sent debt validation letters back on XXXX/XXXX/XXXX to see if they would indeed verify this account but that has yet to be done. I am requesting to have this information promptly removed from my credit file as it is damaging and in my opinion fraudulent.
Consumer complaint received 2017-12-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (OR)

In XX/XX/XXXX we discovered a fraudulent savings account had been opened at Goldman Sachs Bank by a third party who illegally obtained our personal data. We contacted the bank immediately at that time by phone and US mail, requesting that the account be closed. However, over the next 10 months we continued to receive correspondence referencing this fraudulent but still active account, forcing us to recontact the bank on XX/XX/XXXX. We learned at that time the account had in fact NOT been closed. Having heard nothing from them over the next two weeks, on XX/XX/XXXX we again requested by phone and US mail, that the account be closed immediately. We have been told verbally the account is closed, but so far have not received complete and accurate documentation to that effect. We have also continued to receive correspondence from Goldman Sachs referencing this account as late as XX/XX/XXXX. On XX/XX/XXXX we again contacted Goldman Sachs Bank by phone, but the Fraud Department representatives refused to speak with us directly to resolve this issue. We are still waiting to hear from them.
Consumer complaint received 2017-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (IL)

After receiving an email alert from XXXX XXXX, on XX/XX/XXXX, I noticed a negative mark on my credit report, from XXXX, XXXX XXXX and XXXX, reported by Diversified Consultants, Inc. XXXX. XXXX XXXX XXXX, FL. XXXX ( XXXX ) XXXX. I immediately called them and spoke with XXXX XXXX, who did not provide me with an employee ID, and was told that my social security number was attached to the following address : XXXX XXXX XXXX XXXX, IL. XXXX. I told him that this address is not mine nor ever was my address which must be a fraudulent address. XXXX XXXX then told me to call XXXX XXXX Fraud department at ( XXXX ) XXXX, which I did and talked to a XXXX XXXX, who also did not provide me an employee ID and she filled out some form and said I would receive something in the mail which I would have to fill out and mail back. I then asked if this is an XXXX XXXX account, why is Diversified Consultants, Inc. reporting on my credit report. XXXX said that she had no idea but that the fraud department would handle it from here. XXXX XXXX had told me that this account was opened on XX/XX/XXXX, so why is Diversified Consultants, Inc. reporting a 10-year-old account that isnt even mine on my credit report? Ive also never received any letters or any other information about this account which has my name and social security number attached to it. So I am asking Diversified Consultants, Inc. to  verify this alleged debt as required by the Fair Debt Collection Practices Act or remove it immediately.
Consumer complaint received 2017-12-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (TX)

Company appeared on my credit XX/XX/XXXX without proper notification as they were obligated to do in accordance to FCRA rules. I have no knowledge of this account, I do n't even have an account number as I was notified of such alleged debt by credit monitoring companies sending me alerts of new information added. The company has never sent me any correspondence given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social however She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. From my credit report I see the original creditor is XXXX, however I sued XXXX and won as they were unable to furnish proof that the account they were attempting to collect on were mine as my social nor signature matched their files. I would advise this company to cease collection and remove ALL reporting from my reports as I have obtain legal counseling due to the selling and buying of a discharged fraudulent debt.
Consumer complaint received 2017-12-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/XXXX I submitted a money transfer from my paypal account. The transfer was supposed to send XXXX to my bank account. My email connected to this paypal account is XXXX. Before I submitted the transfer, I read literature which stated that my transfer would be available in 24 hours. The next day on XX/XX/XXXX, I was surprised that my transfer did not process and was still in paypal 's pending process. After talking to a manager, I was told that my transfer transaction had been placed under security watch to verify if I was the owner of the bank account that 's connect to my paypal account. I pleaded with the manager, telling him that I successfully completed the security verification process weeks prior to this transaction. I explained to paypal that already sent two deposits to my bank account that I had to confirm. I asked if paypal could release the hold on my deposit, yet my request was denied. I was told that my transaction could be on hold for at least a week. I explained how frustrated I was ... that I was expecting to buy XXXX Presents with this transfer ... that my situation is the result of unfair business practices against customers. 

This is n't the first time that I have had this situation with paypal. I have multiple paypal accounts and have had situations like this happen more than several times. I followed all of paypal 's security steps in confirming my bank account ; paypal should not hold my money for " security '' purposes. I feel like paypal continues to constantly bully its customers with no real clear explanation. I am not the only customer who has shared this issue. It seems to be a pattern with paypal. Although they may eventually release my funds to my bank account, it 's still unfair to have made me wait for this unfair process. My money was taken out of my account from paypal, yet it 's no where to found. Thank you for your time and consideration. I hope that this issue can be resolved for all customers who has shared this same experience.
Consumer complaint received 2017-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I checked my personal credit report and I noticed a list of unauthorized inquiry had been made such as XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, XXXX DC XXXX XXXX/XXXX/XXXX ), XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX XXXX XXXX/XXXX/XXXX ), And XXXX XXXX ( XXXX/XXXX/XXXX ). 

I have contacted who conducted the inquiry and asked them to remove their credit inquiry from my credit profile.
Consumer complaint received 2017-11-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation (OK)

I received letters and calls from XXXX XXXX XXXX XXXX for a {$1700.00} loan from XXXX XXXX  that i did not make from XXXX. Never was notified by the loan company of any loan owed and never received anything from courts on unpaid loan. First thing I received was from collection agency years after the loan I supposedly received, that I never had any knowledge of.. I called World Acceptance corp XXXX BOX XXXX XXXX SC. XXXX ( phone # XXXX ) who owned XXXX XXXX and ask for a copy of contract, so I could prove that the signature was n't mine and they refused. Every loan i got from XXXX XXXX ( AKA World acceptance ) was paid in full. I want World acceptance to give me a copy of the contract, so I can prove it is n't my signture on it and is not my loan or have it removed from my credit reports.
Consumer complaint received 2017-12-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

Since the events below, I have been able to obtain an income-based repayment plan ( that Navient habitually tries to talk me out of. They have, on numerous occasions, told me over the phone that if they did n't want to, they did n't have to let me on the IBRP ) The event ( s ) I am complaining about is in light of recent actions taken against Navient, and I wish to add my voice, as I have dealt with the exact problems mentioned by countless others before. 

When my loans first went into repayment ( XX/XX/XXXX ) I was unemployed and unable to make my initial payments. I contacted the lender for a resolution and was told time and time again that there were no other options available to me other than " borrow the money from your parents/grandparents/aunts and uncles. '' When I informed them this was not an option, the only path I was given was to use up my forbearance ( which was quickly maxed out after a few months. ) When collections came due after forbearance ( Late XX/XX/XXXX - current ), my situation was only slightly better and I had an entry-level role. My family was struck by the downturn ; Lost their house and their jobs and could not help support my payments. I only had an entry-level position and could not afford the full payments. I asked if there were steps I could take to release them from their obligation as cosigners just to be told no. 
My only option was again to " borrow from friends and relatives '' to make my monthly payment. When I was unable to make payments, I was turned over to collections and my credit was negatively impacted. This was the point I was finally " allowed '' to join an income-based repayment plan. 

Since then, I have maintained regular payments and have been able to improve my credit score. However, was made to suffer for 5 years unsure of whether or not I will ever be able to get a grasp on my financial situation.
Consumer complaint received 2017-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2017, XX/XX/2017, and on XX/XX/2017 disputes were sent out to all three credit bureaus regarding specific accounts that are on my credit file that do not belong. In each case, nothing was sent to me but a standard " VERIFIED '' letter. No proof that the accounts had been legally verified, no proof that the dispute was even handled at all. Just a computer system sending out verified letters. I have waited over 90 days for the same thing each time. I have specifically asked for verifiable proof that the accounts I have disputed are mine. In the case that they are NOT mine, which they are not, I would like them removed immediately. As a consumer, I have the right to dispute incorrect items on my credit report and to have it handled the way it is suppose to be handled. Not some standardized letter that is sent out to 100 people an hour.
Consumer complaint received 2017-12-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CITIBANK, N.A. (FL)

My car Title from the NY DMV shows a Lien from Citibank. l have had this car from XX/XX/XXXX and can not recall my borrowing or pledging the title for a loan.l have contacted Citibank as well as XXXX XX/XX/XXXXand neither of them have any records of loans to me against this vehicle..l then contacted My Title Support, com for assistance but their response again showed that there was no account.l therefore need a Release of Lien or a Letter of No Interest so l can produce this as evidence that there are no liens on my car TitleI have exhausted calling and faxing to different agencies in the hope of getting this resolved but unfortunately l have been unsuccessful ... I need Help
Consumer complaint received 2017-12-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (AZ)

Adjustable rate mortgage payment increased from {$3600.00} to {$9000.00}. 

Have never missed a payment or been late in 13 years, but ca n't refinance because we do n't have 2-years employment history, so a loan modification is the only option. 

We 've been in the Ocwen " Request for Mortgage Assistance '' process since XX/XX/XXXX, and provided all the requested documentation by XX/XX/XXXX. It takes Ocwen 2-3 weeks to review documents, and on three separate occasions they have requested the same document that is already in their possession. 

It 's impossible to reach a representative who can or will review the paperwork and sign off, and we have n't even made it to the underwriting/remodification stage. 

It appears that Ocwen 's strategy is to appear like they are trying to process loan modifications, while relying on purposely inefficient processes to maintain the status quo. I know for a fact it would n't take this long if they were processing a new loan application. In the meantime, our mortgage payment increased by 2.5x and  {$5400.00}. We ca n't survive much longer.
Consumer complaint received 2017-12-19
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: CITIZENS FINANCIAL GROUP, INC. (NC)

I bought a car from XXXX XXXX back inXX/XX/XXXX2017. I signed off to let them pull my credit report once but not SEVEN times! i am very upset that they did this without my permission.
Consumer complaint received 2017-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Principal Group, LLC (MI)

In XX/XX/XXXX I paid off a debt to XXXX XXXX XXXX that originated with XXXX XXXX for a XXXX Credit card. The Balance that was due was XXXX, I set up an arrangement with the creditor to automatically deduct {$220.00} from my account on XX/XX/XXXX and another {$220.00} on XX/XX/XXXX to pay of balance and fees that were included. Recently I began to receive collection calls regarding this debt from XXXX but they are saying that the original creditor is XXXX, I explained to the rep that I no longer owe the debt and that it was paid through another collection agency. I recently sent a letter including proof of payment to XXXX but they are continuing to say that I owe the debt. I tried to reach out to XXXX XXXX XXXX and the phone number is disconnected.
Consumer complaint received 2017-12-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc. (GA)

I called the collection agency and advised I will make a payment on a successive months until the balance is zero. 
I spoke with the management for further assistance due to my financial hardship at the time. 
She advised my payment will be accepted but never advised from any of the collection agency representative that I will be reported for 3 credit bureau including the XXXX. 
I called back and reconfirm that there is no credit bureau reporting on me. 
I am totally disappointed by this company collection practice and communication. 
I have never received a bill for my total balance owed. 
The report in my 2 credit bureau shows a balance of XXXX dollars. 
However, My phone conversation with the representatives states a balance of XXXX dollars. 
The company has mislead me by not telling me that after certain date they will report me to credit bureau. 
The company mislead me for stating wrong amount of debt owed ( the credit bureau showed XXXX while representative told me XXXX ). 
I did contact collection agency and I expressed my benevolence to settle per my ability. 
And I made XXXX payment for consecutive months for a total of XXXX dollars. 
This is unfair and reputation damaging business practice for a committed citizen who wants resolve dispute for fair and square way. 
I do n't even know when if there is a rule that says you do n't have to let or communication with consumer about their account status. No XXXX, XXXX or XXXX notice given to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX
Consumer complaint received 2017-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

I had XXXX credit cards with Chase Bank. I will provide the details of all the cards, open date and usability Chase XXXX XXXX : XXXX, Opened in XXXX. Limited use. Used at least once a year. 
Chase XXXX XXXX : XXXX, Opened in XXXX use. Used at least once a year. 
Chase XXXX XXXX : XXXX. XXXX XXXX. $ XXXX. Opened in XXXX. Used Frequently Chase XXXX XXXX XXXX : XXXX. XXXX XXXX. $ XXXX. Opened in XXXX. Used Frequently and heavily everywhere. 

I am very upset and disgusted by the steps of chase bank to close of all my accounts on XXXX XXXX, XXXX without providing me any notice. All accounts all the time paid in full for all the balances. This is severely flawed banking systems in chase. I want chase to return my annual fees and compensate me by reopening my accounts. I do not want to lose my credit history and I do not want more credit checks in my reports. 

Thanks, XXXX