davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NC)

The credit company experian refuses to give my people a credit score, they are reporting my score if I pay there membership fee and they say they have no control over my score but are showing a credit score only on line if I pay. My lender pulled my credit score and still shows unavailable. I called the company experian and they keep making excuses, also there are many things on my credit report that they wont remove. They keep charging me after I called and canceled my membership many times. They say there is no refund. I believe that experian is committed many fraudulent actions. I asked for information to a supervisor and got some other employee. There hiding something and going against my rights and laws as an American citizen.
Consumer complaint received 2019-06-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (TN)

This is an additional problem from a complaint that was filed with Consumer Finance and taken care of by you guys back in XXXX of XXXX that was not discovered until trying to file for a divorce. The Case # then was XXXX-XXXX. If you look that file up you can see what took place. We thought it was taken care of but found that the loan company that we originally dealt with put 2 deeds of trust against our home rather than just the one. The loan company had us sign a second set of paper work about 5 weeks after we signed the first saying that they had left something off. The first set of paper work is for {$61000.00} and the second is for {$61000.00}. So both deeds of trust were sent to XXXX County Tennessee Trustee and put against the home. One of them was released when the loan was paid off and not both deeds of trust. You should be able to get an idea of what I am talking about with the attachments. The problem is that when the loan was taken out in XX/XX/XXXX XXXX/GMAC Mortgage was the lender and part way through the life of the loan XXXX went out of business and our loan was turned over to OCWEN. Please help me with this matter if at all possible because I don't have another avenue to go through for this. OCWEN was not even willing to put our last payment toward our loan until I got Consumer Finance involved in XX/XX/XXXX.
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Southwest Credit Systems, L.P. (SC)

I spoke with South west Credit systems on the phone. XXXX XXXX the representative asked if I lived on XXXX XXXX in the past or now and I said I have never lived on XXXX XXXX. Then she asked for my date of birth, ( which I was hesitant to give to her as this is what is wrong with this entire system ) Then she called me XXXX which is not even my name and then she indicated that they would look in to the issue and she would not tell me if it would be resolved or when It would be resolved. 

They do not have the correct name They do not have the correct date of birth They do not have the correct address and yet they still applied bad debt to my credit report. How does this happen???? 

Then they tell me that they will not tell me anything about the debt, or give me any other information?????
Consumer complaint received 2019-06-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CO)

On XXXX of XXXX I recieved a call that my home was up for forclosure if I didn't catch up with my payments. In XXXX of XXXX a payment for XXXX was wired to ocwen loan servicing. According to them they had repeatedly sent notices which I didn't receive. They took my payment which they can't locate and on XX/XX/XXXX a man knocked on my door and informed me and my son that he had bought our home and that it was no longer ours. Ive tried a million times to contact ocwen but they sold my loan to a new company. They constantly added charges claiming mail charges do I was always short on my loan payments because they put it towards other things. It's not on me to pai for mail they send which I wouldn't receive regardless. I recieved a call yesterday stating that my loan would ne up to date if I made a payment for XXXX. My loan was XXXX for one and XXXX for the other. If i was ONLY behind XXXX and that would get me caught up, how could they have sold my home and leave us homeless. This has caused major XXXX for my son, myself and my daughter. It's not only unfair but embarrassing. I have my credit ruined and it's also cause a lot of turmoil on my family. I owed XXXX on the home, the man is willing to resell to me for XXXX more than he paid for it or it's worth with XXXX non refundable until I get a loan or the end of XXXX. I reported back in XXXX that I was divorced and thr home was awarded to me they didn't make the changes now the check can't even be given to me because my husband was dull on the loan so I can't even use that money to help us find a place to stay for the meantime. I have no family here other than my mom who has worked all her life to have her home and she's willing to put her house for us to get a loan to regain our home back bit her DTI in too high so we can't get approved for a loan. Please help me. Ocwen is the most fraudulent mortgage company ever. I'm out a home, escrow payment and attorney fees. I don't care about anything else 3 but this was my kids home and they took it from us. Im desperate. My son graduates this Saturday from high school which he worked so hard to do, and the only thing he's got to look for and not having a place top come to after graduation. He wants nothing but to have his home back.
Consumer complaint received 2019-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Enterprise Systems, Inc. (VA)

I am a retired XXXX XXXX XXXX. This MAY be an attempt to collect a fraudulent balance for an old credit card account. An account was opened at an Ohio bank many years ago ; the bank kept changing my address without consent and refused to let me see missed monthly statements. I reported this to the creditor as part of my identity theft problem. I paid the amount I had charged, after ordering the account closed with a total amount of less than $ 6K INCLUDING the fraudulent charges. I paid the final $ 4K+ I owed in XXXX and was sued by the account holder, XXXX XXXX , in XXXX or XXXX, where the suit was dismissed in XXXX , VA District Civil Court . I received a form letter from " National Enterprise '' XX/XX/XXXX dated XX/XX/XXXX. I previously began receiving robocalls on my office phone several weeks ago, with one of the caller-I-D signals indicating " National Enterprise ''. The same calls arrive at least daily, often with a different spoofed phone number. There is no live person talking and no mention is made of what " National ' wants.
Consumer complaint received 2019-06-12
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (NV)

Dear CFPB, In XX/XX/XXXX I was solicited to refinance my home located in XXXX XXXX while I resided in Hawaii working for my employer. My home was being rented out. I was advised by the Pennymac loan officer to finance it as an investment property. I stated I had already considered refinancing because we wanted to purchase a home in Hawaii as our primary residence with a VA Loan. I was told if I followed through with the refinance I would be able to secure another mortgage as a primary residence with my husbands VA entitlement benefits. I verified this MORE than once. I explained how important it was that we were able to buy another home that I had a baby on the way. When we went to purchase another home we found out that was not true. We would have to refinance yet again our home as a conventional loan for an investment property. I can not explain how expensive the misleading information I received has been. Rent in Hawaii was {$5600.00} a month for our 2 bedroom apartment. When my youngest son was born and our family outgrew our apartment and we couldnt afford to refinance again to buy a third home we were faced with relocating. I am now trying to buy a home as our primary residence in XXXX XXXX and the amount that was added to our home makes the loan to value too high for a conventional refinance. I also reached out in the process of trying to refinance our current loan I had let the payment stretch to the max in hopes the refinance would be done and the loan would be paid. In setting up autopay through our bank. I confirmed with Pennymac and XXXX   that they could transfer the payment within 1 day to avoid a 30 day late. As soon as I figured out our refinance would not go through in time. I called to arrange the payment and when it wasnt received I received no call. They had no problem calling me every day when it was late but after I called let them know I had made the payment I received no confirmation. The moment I found out it wasnt received I paid it directly. The inability to refinance my current loan and The 30 day late being reported from XX/XX/XXXX is keeping me from qualifying to refinance it on my own. Its outrageous that the deception from Pennymacs agent in XX/XX/XXXX is continuing to hurt my family. I previously reached out to management and was told they listened to recorded calls and didnt hear the agent provide inaccurate and intentionally misleading information. When I asked for a copy of the calls they refused to provide them in writing or by recording. The funds it cost to refinance and the additional interest should be reviewed. 

XXXX XXXX XXXX Property Address XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX
Consumer complaint received 2019-06-12
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)

The following student loans were reported on my credit report.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with XXXX and Transunion for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score..Please delete XXXX XXXX XXXX , XXXX XXXX XXXX
Consumer complaint received 2019-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transfinancial Companies, Inc (LA)

Transfinancial Companies and the McCarthy Law Firm, XXXX XXXX XXXX, XXXX XXXX, Louisiana XXXX ; XXXX XXXX XXXX, XXXX XXXX, Louisiana XXXX ; XXXX ; Tel : XXXX, have been attempting to collect an alleged medical debt for XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX. Upon notice from Transfinancial, I responded on XX/XX/XXXX with a written dispute of the alleged debt and provided written requests from XXXX, XXXX and XX/XX/XXXX to XXXX XXXX XXXX requesting information regarding the alleged debt that went unanswered. On XX/XX/XXXX, Transfinancial mailed me an invoice from XXXX XXXX XXXX as proof of the alleged debt. On XX/XX/XXXX, I again sent written dispute of the debt stating that an invoice was not proof and requested verification of my debt including a copy of my signed agreement to pay for the alleged services as well as further information about credits from my insurer that appeared on the aforementioned invoice as any insurance payments should have precluded XXXX XXXX XXXX from charging me any additional costs due to their agreement with my insurer. Transfinancial did not respond to my request or dispute. On XX/XX/XXXX, I received a collection notice from Transfinancial. On XX/XX/XXXX I again sent a written dispute of the information and notified Transfinancial that they were continuing to violate my rights under the FDPCA given their lack of response to my previous requests for verification and continued attempt to collect. On XX/XX/XXXX, I received a notice from Transfinancial that they received my dispute and would cease activities until verification could take place, which they stated included removing or avoiding reporting of negative information to the credit reporting agencies. Transfinancial has not provided any further verification or response to my dispute. On XX/XX/XXXX, I received notification from credit monitoring agencies that Transfinancial had placed negative information on my credit report. I immediately sent notification to Transfinancial that they were continuing to violate my rights under the FDCPA due to their lack response to my requests.
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so. Delete the following accounts XXXX   XXXX****, XXXX ( Original Creditor : 09 XXXX XXXX XXXX ) XXXX**, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX**** , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX**** , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX**** , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX**** , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX****, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX**, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX**** , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX XXXX XXXX**, XXXX XXXX****, XXXX   XXXX
Consumer complaint received 2019-06-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (OH)

Diversified Consultants have threatened collection on an account I previously stated I would not pay to XXXX. Last winter I ordered a new phone from XXXX. I could not download anything from my old phone. The people in their service department told me to remove the old SIM card and put it in the new phone. That did not work which rendered my old phone useless. No calls could be sent or received. This went on for almost two weeks. I got nowhere with XXXX. I returned the new phone as it didnt work. I refuse to pay for something I could not use. Their trying to collect XXXX from me. They should also have a record of all the conversations I had with them.
Consumer complaint received 2019-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

This is a continuation of complaint # XXXX. 

We agreed to settle this complaint for {$3500.00}. Our attorney has been trying to reach The Fifth Third attorney since XX/XX/2019 and still has not heard anything. 

It is bad enough that 5/3 let my XXXX year old mother walk out of their bank with {$54000.00} cash, now they won't even give us the money they said they would give us. 

Again, she came into the bank five times taking anywhere between {$4000.00} and {$21000.00} in CASH each time. They knew something was wrong but did they put a flag on her account - NO. Did they call me the co-owner on the account - NO. 

Financial institutions need to take some responsibility for the negligence they showed in protecting my mother 's money. We need to put more regulations in place.
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am asking that the Credit Bureaus to investigate XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX for materials forwarded to three credit bureaus for me XXXX XXXX XXXX as there may be issues with unsubstantiated accounts. I have seen errors in certain existing data. I respectfully demand that the transmitted data or documentation be provided. Also please include supplement materials which verify that the accounts were established legally. I do not want just a cursory account history, or address matching. I have requisitioned a detailed verification. If you can not meet these reasonable requests during the month ( 30 days ) following receipt, account summaries transmitted by the companies mentioned above must be considered false and may bespeak a statutory violation. In this case, they must be deleted without delay.
Consumer complaint received 2024-09-03
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)

On XX/XX/year>, I spoke to a representative of XXXX XXXX XXXXXXXX. On this call, I requested credit validation. I also stated to the representative that this also reporting inaccurate since the account is still being reported from the original creditor creating a duplicate entry/account. It has been over XXXX  days and I have not recieved and sort of credit validation documents. This account is unverifiable and is reporting inaccurately on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Re : XXXX XXXX XXXX Acct # XXXX Original Creditor : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (DC)

I have disputed the late payments XXXX XXXX,  XXXX XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The inaccurate employment information keeps reappearing on my credit report. Transunion continues to display inaccurate information on my report. I told them repeatedly that the information is inaccurate and they need to remove it, but they never remove information. They never even investigated it. Repeatedly put on my credit report. I'm at the point where I'm ready to file a lawsuit. This I'd documentation for me that I have gone through all the proper channels and resources available.
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

sorry my grammar is not 100 % accurate! 

Hi & To Whom It May Concern : How are you doing? Im not sure who to bring this up anymore, but I been dealing with the original dealership XXXX XXXX for the last 3-4 months in regards to a vehicle that was never on my possession. As I mentioned, I never took the delivery of the vehicle and its been on principal owner XXXX and XXXX dealership for day one due to mechanical issue. And now my credit report is all ruined because the principal owners never dealt with them on timely manner. Every time I called them, they kept saying that they dont have the money to send back to the bank to remove this from my credit report. Ive called the alleged bank XXXX XXXX several times and they stated in several occasion that once they receive the money from the Dealership that submitted the Credit Application they will go ahead and remove the tradeline from my credit report. 

Today, I look at my credit report again, it continues to report incorrect on my credit profile. It shows balance {$0.00}, however, its reflecting with derogatory mark, such as comments as settled-less than full balance, other bureau shows account legally paid in full for lass than the full balance, and XXXX  reports as settlement accepted on this account or paid account/XXXX balance. As you can see on the pictures, I NEVER made the payment on this account. The dealership made the payment directly to the bank and you can see the check was made by them XXXX XXXX XXXX XXXX. 

Therefore, this is causing me tremendous stress, and Im overwhelmed with lack of professionalism and blunt errors on my credit report which is costing me thousands in interest rate and fees. 

Please, I ask again, resolve this from my credit report either CORRECT as Paid NEVER late or remove the entire trade line from my credit report as promised. 

-- I need the company to remove this tradeline from my credit report as I never made the payment, and never took the delivery of the vehicle. Please delete this tradeline from my credit report.