davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
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. (AZ)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 2. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : XXXX : XX/XX/XXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-04-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (IL)

I was extremely tight on money and needed emergency funds until my hours picked up. Tower Loan sent me a live check multiple times after I had gone online to opt out of prescreened offers. I had planned on paying as soon as hours picked up, but that has not yet happened, so have been unable to pay. This company has been calling me multiple times a day, theyve called my family that I did not provide as references, and have called to harass me at work. They have regularly called from personal numbers, and XXXX, who apparently runs their office, has threatened to come harass my managers in person, called after I spoke with someone else in the office ( same day ) as well as randomly dropping by my house to bother my landlord.
Consumer complaint received 2023-04-04
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. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-04
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am filing this complaint against Trans Union because Trans Union has ignored my request for them to provide me with the documents that their company has on file that was used to verify the account I disputed. 
Being that they have gone past the 30 day mark and can not verify this account, under Section 611 ( 5 ) ( A ) of the FCRA, Trans Union is required to " ... promptly delete all information that can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you for your help.
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. Two letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings. 
CAPITAL ONE AUTO FINANCE XX/XX/2016
Consumer complaint received 2015-10-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: First Associates Loan Servicing LLC (SC)

I am sure that you have received XXXX these for student loans, private and federal, but I 'm not greedy. I understand that I signed the paperwork and agreed to the loans, but when you 're signing paperwork for a student loan program that was invented by XXXX XXXX to pull itself out of the proverbial boiling pot because it lied to the government and its investors, well then I think personal responsibility can then go out the proverbial window. No one signing you up for a loan is going to tell you that the loan is bogus and that it was created for the sole purpose of covering up XXXX 's accounting fraud. 

I am not asking for my federal loans to be wiped XXXX that would be outstanding, though ) simply because that was a legit loan, not a cover-up scheme of a shell of a loan. I am, however, requesting that you look into the PEAKS loan enterprise in hope that I may receive some relief from them. It is absolutely absurd and inconceivable that this type of fraudulent concoction of deceit can still be allowed to fester and infect students ' lives. It needs to be shutdown and that is why I am writing you ... .yes, relief would be nice to save XXXX dollars, but the thought of PEAKS and XXXX not being able to ruin other lives is so much more fulfilling to me. Please do not brush this under the rug. 

I hope this finds you well, whomever is handling this, and that you have a great day.
Consumer complaint received 2015-08-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I have applied for mortgage assistance with wells fargo last year but the lender denied the application due to income. My ex-wife wished to keep the house and she applied by herself again with her income. Wells Fargo had used so many reason to reject and refuse to move forward with decision. I believe that Wells Fargo discriminate her marital status since we are on the process of getting final divorce. They keep asking so many different thing which we have attorney set for that and prove them reason but they refused to do anything for us. Wells Fargo asked her XXXX thing Final Divorce Decree and Tenant proof of occupancy. After providing them divorce decree, they said they did not accept the tenant proof of occupancy due to not from their bank. My ex wife is frustrated and she really wants to keep the house and she does not want to loose it. But it look like wells fargo is very eager to eat the house and without helping her. For me, they are seriously violated Fair Housing Act and ECOA Act to provide her fair opportunity to evaluation of her income
Consumer complaint received 2016-02-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

. For the past two years since OCWEN has taken over the servicing of my mortgage I have been constantly harassed with phone calls, foreclosure threats and charged late fees when I have been complying with my contract and paying on time. Ocwen takes more than 10 days to process payments and deposit checks, claiming that I am late. I understand that Ocwen was prosecuted. The Consumer Financial Protection Bureau obtained a Consent Judgment against Ocwen, for XXXX in principal reduction and XXXX in cash to foreclosed homeowners. In spite of this court order Ocwen still continuous to violate the Consent Judgment Order, the Fair Debt Collection Practices Act with false misleading representations and unfair practices. 
I understand that Ocwen is a collection agency that services my loan. They refuse to tell me who the principle note holder is or give me contact information and this is causing me extreme anxiety as to what my legal rights are.
Consumer complaint received 2016-10-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I originated a mortgage loan with XXXX XX/XX/XXXX maturing XX/XX/XXXX.The loan was taken over by Wells Fargo Bank which insisted on payments to be made across the country and would not accept payment at their local branches. I found this policy to be extremely inconvenient and accelerated the repayment over the next 10 years. A large principle payment was recently made leaving a small principle balance remaining. I received an unsolicited payoff demand from Wells that accelerated the loan thus violating the remaining term of our agreement. It further demanded a payoff fee of 8 times the customary cost associated with a reconveyance of the loan and demanded immediate payment by wire transfer at an additional expense to myself. While I paid the remaining principle balance plus interest due I did not include the invisible payoff fee. I consider the fee to be outrageous and would like to see it removed.
Consumer complaint received 2023-04-04
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)

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-29
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NC)

Having escrow problems with Ocwen Mortgage Co.. I have a Hamp loan that started in XX/XX/XXXX, that loan was prepared by a XXXX XXXX XXXX That loan was sold to Ocwen in XX/XX/XXXX 
Have had trouble with the escrow of my wind/hail since the first year!! When I talked with company they said it was n't built into the loan that was tranferred to them?? Then I was told that the amount was escrowed in a different dept, that was in XX/XX/XXXX Last year, XX/XX/XXXX, I had to pay the wind & hail on my credit cards to ins co.. Wind & Hail is required in the area we live in it is a coastal community!! It is paid to the XXXX XXXX XXXX You ca n't paid that in payments it has to be full balance, that is why it has been escrowed in my loans!! They are escrowing now, at my request, but never imagined that they would escrow me out of a loan, my monthly payment went up XXXX + dollars, two months ago.. This makes the loan out of reach for me, this is why I have the Hamp loan to begin with!! As of now my Hamp loan is at the five year mark and readjusts XX/XX/XXXX.. It goes up 1 % .. Ocwen has sent a letter giving the amounts for XX/XX/XXXX, it goes up another XXXX+ dollars, making the loan which is now out of reach even worse!! I am XXXX & XXXX living on a XXXX.. I am requesting attention to this loan & escrow payment myself to Ocwen.. Really do n't wont to have to start over with another Hamp loan !! But at this rate it seems I might not have a choice!!
Consumer complaint received 2017-02-09
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I purchased a used XXXX XXXX XXXX in XXXX XXXX from XXXX XXXX XXXX in XXXX GA. The loan was financed through Capital One Auto in the amount of {$16000.00} and the finance charge was {$12.00}, XXXX which brought the total to be paid at {$29000.00}. XXXX at an interest rate of 20.75 %. I have been paying anywhere between {$400.00} and $ XXXX month since XXXX/XXXX/XXXX and to date the payoff amount is over {$15000.00}. The car, even at the time of purchase was valued way less than the total amount financed, but the dealer convinced me that it was the best deal available at the time. It was my very first time purchasing a car and I was in a really bad financial situation and needed the car in order to maintain my job. In addition, I was ignorant to most of the terms and language that was used during the deal. I am now convinced that I have been a victim of predatory lending. What can I do to get out of this loan?
Consumer complaint received 2021-02-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (IL)

I again tried to make a payment on XXXX to Fay Servicing via XXXX at XXXX and again was not allowed to do so. Fay Servicing stated they had corrected this problem and that I could now begin to make payments even now while I am still on the Pandemic Forbearance. Making payments now will reduce the amount due at the end of the Pandemic Forbearance that was originally granted by the previous servicer prior to this account being transferred to Fay Servicing. Ref previous complaint XXXX.
Consumer complaint received 2016-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received a copy of my credit report sometime in XXXX. It shows I had a 30 day late payment to XXXX Account XXXX which was not true because I have had a XXXX balance for quite some time. I called XXXX and they admitted their mistake, then sent me a letter dated XXXX XXXX stated they would delete the delinquency from the credit report. I waited 30 days and it had appeared to be removed from XXXX and XXXX, but not Transunion. First I filed an online dispute with Transunion ( case XXXX ). It came back with the delinquency still showing up. I called Transunion and they said it was XXXX fault. I called XXXX and they said they had sent everything in they needed to. Then I called Transunion back and conferenced in XXXX at XXXX. His number is XXXX. XXXX told Transunion they had sent everything in to remove the 30 days late mistake. They even sent me another letter dated XXXX XXXX, that the delinquency should be removed. Transunion told me to file another dispute. That came back denied as well even after I uploaded the letter from XXXX that the delinquency should be removed. 
On XXXX XXXX at XXXX PST I spoke with XXXX person at Transunion that could n't resolve my issue, then I got her supervisor, he could n't resolve it so I was transferred to HIS supervisor XXXX who told me that the last supervisor tried to do a phone verification with XXXX to verify the delinquency was n't valid however XXXX would n't give out any information. I told XXXX I could conference XXXX in right now to verify. He said he did n't have that capability and I should call back tomorrow and ask for " Special Handling in the XXXX '' who can do phone verifications. 

This is absolutely ridiculous and I have never gone through a phone experience this bad, all while my credit score is inaccurate because of an incorrect delinquency that the creditor is admitting is not accurate. 

Please help me. 

XXXX
Consumer complaint received 2017-02-07
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (CO)

Caliber Home Loans has increased my Mother 's monthly mortgage payment by increasing the escrow by {$300.00} though the Home Owners insurance is at a maximum and the Property tax has not increased. This is not legal to my understanding because the escrow only includes funds for mortgage insurance and funds to pay the property tax. 

Caliber also never stated what the percentage rate increase would be, after the five years my Mother was supposed to pay {$1100.00}. My Mother has no paper work that indicates what the mortgage payment will be after the modification period ends ; Caliber Home Loans has increased my Mother 's XXXX monthly mortgage payment by increasing the escrow by {$300.00}. The monthly mortgage payment is now {$1400.00}, what will it be after the modification ends? 

Caliber home really wants to take possession of my Mother 's home ...
Consumer complaint received 2023-04-04
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: Experian Information Solutions Inc. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: UNITED GUARANTY CORPORATION (WI)

It was a loan taken for my daughter to attend XXXX College of XXXX XXXX, in XXXX XXXX, Mn and I co-signed the loan for her. In XXXX my husband and I filed bankruptcy due to a preditory lender situation and this loan was in the the Chapter XXXX filing. United Guaranty owned the loan and filed XXXX claims against us against our Chapter XXXX filing and received payment through our Trustee. United Guaranty had purchased this loan from XXXX XX/XX/XXXX when our Bankruptcy was filed. The Bankruptcy was discharged XX/XX/XXXX. On approximately XXXX/XXXX/XXXX we received letters from XXXX XXXX XXXX and XXXX XXXXstating that they had a debt we owed and it was being sent to collections on a delinquent account we had never received any information or bill on, and had no knowledge of owing. After reviewing our bankruptcy it appears as though they had been paid through the court by claims they had made against us when our bankruptcy was filed. I ( XXXX ) made copies of the claims made and the discharge paperwork and sent it to both XXXX XXXX and XXXX XXXX Firm. XX/XX/XXXX a processor came to our home intending to serve our daughter with papers regarding a judgement against her and we explained the situation to him and that our daughter did not reside with us and we had not had contact with her for seven months. He advised I ( XXXX XXXX ) call the law firm he was representing and explain what I had told him. I did that the next day and was told by XXXX ( representing the law firm ) that they had our lawyers name and he asked me if the name they had was correct which it was and that they would not talk to me they would take care of everything necessary through our lawyer and that was the end of the conversation. I ( XXXX ) made copies of all the documents regarding the claims filed by United, copies of our bankruptcy, and the dismissal document and brought them to the law office of XXXX Law Firm on XXXX XXXX, XXXX again stating that XXXX XXXX does not live here. We have now received documents that there is a motion filed and I must appear in court. To the best of our knowledge they have received their claim amount and the bankruptcy is closed. United Guaranty did not file any further claim when asked by the court to do so before the final discharge was approved. They continue to hassle us and have continually threatened us with judgments and to make false statements regarding our credit to creditors.
Consumer complaint received 2023-04-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (MD)

I was not aware of the this bill until XX/XX/2023 when I checked my credit score and talked to my insurance agent and XXXX. Because the billing statement has my wrong address which does not include my APT number, I was never properly notified.