davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-08
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (GA)

I filed for chapter XXXX Bankruptcy in XXXX and was discharged in XXXX XXXX the Mortgage with Ocwen was not included in the plan and was paid directly to Ocwen by me for the full mortgage contract payment. There was no modifications, no cram down no reduction in interest. Ocwen is reporting the loan as being discharged in the bankruptcy. Ocwen has failed to accurately report information to XXXX, XXXX and is not reporting at all to XXXX XXXX after my initial complaint in XXXX of XXXX. In Addition after the XXXX XXXX complaint Ocwen reported my loan as being included in a bankruptcy beginning XXXX XXXX. 
I have filed XXXX disputes with XXXX and XXXX as well as communicated my concerns directly to Ocwen. I have been denied credit based on the incorrect information in addition to the added cost of credit due to a lower score caused by this misrepresentation.
Consumer complaint received 2016-08-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Weltman, Weinberg & Reis Co., L.P.A. (AL)

Weltman Weinberg and Reise Company LPA called me claiming to be representing the XXXX XXXX XXXX. I asked if I could make payments and they informed that I was in default and the entire debt was due. After this conversation I began doubting their authority to collect on said debt. When they called again, within 30 days of intial contact, I asked for the verification of the debt. They told me they were still going to be reporting me to the credit bureaus as my last payment was in XXXX. This was a lie as I was holding a statement from the company they were supposedly representing and the statement said the last payment was received on XXXX/XXXX/15. Not only did Weltman Weinberg and Reise Company LPA lie to me about this, according to my contract I am in default if I do not make a payment within 270 days. During these calls where they were trying to force me into paying the entire debt, I was not even in default of my loan yet. However when I asked to make payments they refused. In summation : they lied about how much was due, they refuse to stop collection activities though I requested verification of the debt and their authority to collect it, and they refused to take payments even though i was still within my time frame to make payments instead of paying the entire sum. I was attending the University XXXX in XXXX when I took out this loan.
Consumer complaint received 2016-01-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Evergreen Acquistions, LLC (FL)

They keep calling my Home phone #, my Cell Phone, my wife 's Cell phone continuously for two days now. They are looking for someone who has the same last name as me. I 've told them I do n't know them and they just keep calling & harassing my family. They are using the name of Evergreen Acquisitions, their # 's are XXXX, XXXX XXXX, XXXX XXXX It shows up as XXXX. XXXX on my caller ID.
Consumer complaint received 2015-08-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed with transunion last year in XXXX about discrepancies on my credit report. The balances were in accurate. There were some accounts showing late when they were paid etc. It took about 3 weeks to resolve but we did! I asked for a copy of resolve letter and they provided me with it. So my question is this ... Why is my credit still showing all these negative accounts!!! I have the document that they sent. If this is not resolved, i will be taking this to court.
Consumer complaint received 2015-11-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

Unable to access free annual reports for maybe XXXX consecutive years now. Information used to verify my identity to get the reports states SEVERAL possible accts I have never even thought to open. Loans I have n't applied for! 
Also I lost my ID card Last year and have since been told by a few eyewitnesses that a female I know had been using my identity in the XXXX XXXX area XXXX XXXX XXXX.
Consumer complaint received 2016-12-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (CA)

Equifax, XXXX and XXXX have not changed my credit score in over 12 years. 
I have documentation to prove that my credit score remains the same and they never change it. 
I have had several items removed from my credit and they have never changed the score.
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

There are inquiries of my consumer report that were deleted & reinserted. XXXX XXXX XXXX, XXXX, XXXX & XXXX XXXX & XXXX XXXX. XXXX Bank XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (WA)

We have requested a loan modification twice from Caliber Home Loans within the last few months. They have denied us both times due to insufficient income. The first request we made was missing our rental income so we were advised to reapply which we did. The second application was denied for the same reason, and the appeal was also denied for the same reason, even though our income is now $ XXXX more than our debts. We initially fell behind because of a loss of income which has now been rectified. Also, our temporary modification we received from Caliber expired which increased our monthly mortgage payment from {$1800.00} to {$2400.00} per month. We are requesting for Caliber to review the attached documents again since their denial reason was incorrect. They also denied us due to their appraisal results showing that the home balance is 67 % of the appraised value of {$300000.00}. We are also disputing the appraisal amount. We recently received a letter from Caliber Home Loans stating that our loan balance is $ XXXX, but when we called in to inquire about the balance owed they were unsure how that balance was calculated. We definitely qualify for the 5 year loan modification extension and are requesting Caliber Home Loans to honor this request.
Consumer complaint received 2017-01-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (CA)

on XXXX XXXX, 2017, my bank charged me twice for NSF charge when clearly the first payment of {$65.00} to XXXX XXXX posted before my rent check. They also gave no notice that there was a pending NSF charge at all on the day of the transactions which would have allowed me to make a cash deposit and avoid both charges.
Consumer complaint received 2016-01-27
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

I made a XXXX account to sell my washer and dryer. I posted my phone number for any serious buyers. The man who called himself " XXXX XXXX '' was interested and said he would send his check via mail and he would later send his movers to pick them up. He sent a check with extra money so that i may pay the movers. Well closer to the date we set, he said they needed a movers moneygram in order to go. At first I told him no because it was n't my responsibility, but he said he really needed the help. The check was listed on my account as received so I sent the moneygram to his " movers ''. Days later my bank tells me that check has no funds. So I am out that cash and that guy is no where to be found.
Consumer complaint received 2016-10-12
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I have been receiving harassing phone calls from Portfolio Recovery for over a year. I have written them requesting that they do not call, I have verbally requested that they do not call, and they continue to call. I also get calls several times a day from their many phone numbers. Here is a partial list of the calls ( all calls are CST ) : XXXX/XXXX/XXXX XXXX XXXX Requested they stop calling and send information regarding debt. I have never received information. 
XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Again requested they stop calling XXXX/XXXX/XXXX XXXX XXXX a man named XXXX called. Again requested they stop calling. XXXX informs me that they can call as often as they like and that they do not have to send confirmation of debt. 
XXXX/XXXX/XXXX XXXX and XXXX XXXX Again requested they stop calling XXXX/XXXX/XXXX XXXX XXXX Requested they stop calling XXXX/XXXX/XXXX XXXX did not leave number. Requested they stop calling XXXX/XXXX/XXXX XXXX Requested they stop calling XXXX/XXXX/XXXX XXXX Requested they stop calling XXXX/XXXX/XXXX XXXX Requested they stop calling XXXX/XXXX/XXXX XXXX and XXXX XXXX Requested they stop calling. 

Please note that all of the above calls are asking to talk to a married name that I have not had in over 15 years. They have also started calling me on my secondary ( business only ) and cell phone number.
Consumer complaint received 2015-11-06
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (FL)

Submitted POA ( Power of Attorney ) Documents, ID 's For both my mother and myself, and Theft of Identity complaint for my mother XXXX XXXX to Equifax. 
Attempted to set up credit monitoring with same company and refused based on the POA. Equinox stated on XXXX different occasions they would not honor the POA or allow me to monitor my mother 's credit. Attached are all related documents to date though their refusal grounds have only been given over the phone.
Consumer complaint received 2016-12-30
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

According to XXXX Report, this account was sold to Portfolio Recovery from XXXX ( XXXX ) and they are both reporting negative information for XXXX single debt. After a dispute filed with XXXX, ( see attached results ) the results state everything has been verified. How? when they both are reporting duplicate negative and collection agency accounts. XXXX, the original creditor, is reporting XXXX negative account XXXX on my credit report. Copy of contract proving debt was sold to them, proof of orginal debt, etc has not been received from Portfolio Recovery.
Consumer complaint received 2022-08-16
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2017-01-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (VA)

Equifax continues to not correct information on their version of my credit report. I have tried for years to get this corrected. It seems as though their online system is taking your dispute but then nothing ever happens. I have contacted the financial institution to have them update the information about their account with me, and nothing ever changes.
Consumer complaint received 2015-06-25
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: QuickClick Loans of Illinois, LLC (GA)

I took a loan with Brookwood Loans ; XXXX, Ga. For XXXX months. After about a year, I was hurt on the job ( still not working ), I was Late with XXXX ( XXXX ) payment, over XXXX days. I then came back and paid the whole loan off early ( almost XXXX months ). They reported the late payment to the credit reporting agency. My complaint that even though I made XXXX mistake, why am I not allowed another chance? They say they would be lying if they told the credit reporting agency that we corrected this situation, what if I told everyone I knew not to do business with them and all their new business stopped!!! How does that work?!!!!
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, And they violated my rights numerous times. I demand the accounts listed below removed immediately because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.
Consumer complaint received 2015-11-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX notified XXXX XXXX XXXX on several occasions to release and dismiss a judgment ( cause no. XXXX ) on XXXX XXXX, XXXX XXXX and XXXX XXXX, 2014 because the matter was settled well-before the court date. XXXX XXXX XXXX indicated that they did not place the judgment on the Equifax , XXXX and XXXX reports. XXXX and XXXX bureaus deleted the judgment from my report. However, Equifax is indicating that the entry is adequate. Thank you for your assistance.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion has failed to do a proper re-investigation according to FCRA. All Credit reporting agencies are supposed to have the same accurate information when a true investigation is done. Attached is proof that all Transunion, XXXX, and XXXX have different information. I received a copy of my credit report and noticed inaccurate Information reporting. Pursuant to, 15 USC 1681, Accuracy and fairness of a credit Report. According to the law, before any information is inserted to my consumer report, it must be accurate and fair Information reporting. XXXX  XXXX account XXXX is a fraudulent account and is reporting with different information on all from Transunion, XXXX, and XXXX which proves there has been no proper investigation done. Transunion is currently reporting negative information as a violation to federal laws. ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. ( 15 usc 6801 Protection of Non- Public Information ) PLEASE PROVIDE THE DISCLOSURE FORMS RECEIVED IN YOUR INVESTIGATION WHEN ACCOUNTS WERE FIRST PLACED ON MY CREDIT REPORT. 15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT. AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT. THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE. HOW WAS THE INVESTIGATION CONDUCTED? PURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION. I'm aware of my rights and according to the Fair Credit Reporting Act, I have the right to challenge anything and everything that I'm unsure of. I am demanding that you reinvestigate this account immediately. If you can't provide proof of the reinvestigation, these accounts must be deleted according to 15 USC 1681 i, ( Treatment of Inaccurate or Unverifiable ). In general, if after any reinvestigation under paragraph 1, of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. Thank you for giving this your prompt attention.
Consumer complaint received 2021-05-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have been trying to submit the dispute attached since XX/XX/2021 but for some reason I cant upload the dispute on TransUnion website.
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (KY)

Hi there. I have a dispute to report. I cancelled an XXXX XXXX card last year. Right before I cancelled it I paid the balance down to {$0.00} and was told that I did n't owe anything else on it. And the end of last year I was notified by Trusted ID from Equifax that an XXXX payment was overdue by 90 days. I was shocked to learn this. I think contacted XXXX about the matter. They admitted it was their mistake and brought the account balance back to {$0.00}. They also gave me a {$70.00} credit towards a bill on another XXXX card that I still have. They also said that they would tell each credit agency what happened and clear my credit of the mistake. I spoke to Equifax this week and they said that there 's still a late payment being reported for XXXX and XXXX of last year. Can you please contact XXXX XXXX and tell them to fix this matter? I take my credit score very seriously and it was in Excellent standing before this wrong doing. Thanks for your help and I look forward to your response.
Consumer complaint received 2022-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

Credit Collection Services has not validated the debt and the debt does not belong to me. 

Credit Collection Services is in violation of the Federal Debt Collections Act pursuant to 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; Credit Collection Services please Cease and Desist pursuant to Federal Debt Collections Act 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ;
Consumer complaint received 2022-08-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Galaxy Capital Acquisitions, LLC (MI)

I am guessing that this account was sold to Galaxy International Purchasing , LLC under false pretenses, I will not pay this bill until XXXX XXXX XXXX AKA XXXX. XXXX sent someone out to fix the wiring that their electrician messed up. I was going to pay for myself up front until they began to be rude, tell me how long I had and who I needed to get to fix it. I had covid and that didn't matter t them, so now they can send someone out to fix the problem or I will have my landlord start the process of suing them. I refuse to spend my money up front and wait until they feel like paying me back
Consumer complaint received 2016-08-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (IN)

XXXX XXXX I am recently divorced, without a Divorce Settlement, at the present time. Divorce has been dragging on for XXXX XXXX years. The Mortgage Company, for the jointly owned residence has been less than fair and have failed miserably to their own privacy laws. They have let my ex-husband call in and change the mailing address for mortgage account information 3 times, in which they rang pre-arranged payments, made by myself, who lives at residence, in my ex-husbands name on an account he has never been on. My personal checking account. They then sent him letters, with my banking information on them, at his new address, with his new girlfriend. The payments that were sent through in his name where sent back, as stop payment. I had to pay XXXX dollars more each payment, because of that, which was their fault. I have already went through the loan modification process with the Mortgage Company and ended up owing XXXX dollars more a month, now another XXXX dollars to that. Where did that help? 
Since my ex-husband has messed with account information. There has been a court ordered Protection Order set into effect, on him. The Mortgage Company has been notified, notified, notified and notified about the situation and that I reside at residence and my personal financial information, is my privacy. Since my banking information was given out to my ex-husband, I felt I needed to set up new accounts, for doing my personal financial business. The mortgage Company was sending payments thru on unauthorized dates, on the account that was compromised, by the mortgage company. Have experienced overdraft fees and stop payment fees, because of their actions. I did n't even know if my other monthly bills would be sent back, because of the mortgage companies action, because of their unfair methods of doing business. 
I called mortgage company and tried to give them my new banking information, but they refused to take it and now need a letter, giving them permission to send payments through on new account, that I felt had to be done to protect my personal finances. Why would I be contacting them and try to set up payments, only to be refused and oh now you owe more money, because of their way of conducting business. No one should have to put up with this, from any company and especially the unlawful practices, from these companies ... ... ... ... ... ....