davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

Back in XXXX of 2015, our mortgage was transferred from XXXX XXXX XXXX to Nationstar. When this happened, we discovered an erroneous charge/late fee on our account. When we went to dispute this charge with XXXX XXXX XXXX, they referred us to Nationstar. We contacted Nationstar several times, via phone and email to rectify this situation. After the XXXX attempt, Nationstar confirmed that they would take care of our account and give our account a current status. However, that has not been the case. Due to XXXX XXXX XXXX and Nationstar 's errors and omissions, not only has our account suffered, our credit score has been damage by at least XXXX points, if not more, and we still have not been able to get any assistance with this issue. I want to file a formal complaint against XXXX XXXX XXXX and Nationstar for their lack of customer service, their unwillingness to assist us, and for damaging our credit scores. Please let us know what other avenues we have to make this right.
Consumer complaint received 2016-07-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: RMS-Recovery Management Services, Inc. (KS)

When enrolling in the school I was notified how much I would need to take out in terms of federal student aid, and was also told I had to take some private loans from the school because the federal aid would not cover my education. I was not sure why I had to pay while I was going to school, as I assumed loans were to be payed after you finished school, but they required payments from me monthly while I was attending, which did not help me financial situation. I took out over {$25000.00} in federal student aid which I am currently repaying. I quit going to school at the beginning of the semester because of unforeseen financial hardship and soon began to receive calls and letters from the school stating I had a balance with them. I was unaware of this balance as when I logged into my account on the schools webpage, it stated my balance was {$0.00}, yet I kept receiving phone calls and letters stating I need to pay over {$2500.00} to which I had no idea about, or where it came from. When I finally spoke with the school they stated I needed to pay up. I told them I could not repay it all at once, and could only make a payment of about {$400.00} at the time, to which they did not seem to like, but I did so anyways. I had some trouble making payments from time to time so they sent me over to a collection agency to which I set up a payment plan with. While making my payments on time, I kept receiving calls and letters from them stating I needed to contact them asap. When I finally had the time to do so they would not respond. I attempted to call the phone number provided on the letter I received to only receive an empty dial tone like it was not in service. I also attempted to email them and still no response. I am now getting this reflected as negative points on my credit history and I do not know what to do about it. I can not contact the company, nor can I pay them. And I still do not know what this loan amount is for. I have been reading about scams this school has done in the past, and do not know if these are legitimate statements made but it worries me they are preying on me and trying to take money from me I do not owe them.
Consumer complaint received 2019-07-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC (TX)

I was grossly mislead by this companies representatives. I was never informed that my loan would be transferred to another loan company. I was never told that I would end up paying interest on the interest after paying off the actual loan amount. I borrowed {$4300.00} I repaid {$4500.00} in six payments. I was then told that the interest would be with another company as a second loan and that my balance was {$3200.00}. I have now paid {$1100.00} on the {$3200.00} and my balance is {$3200.00}. The 2nd loan to pay off the interest on the 1st loan began in XX/XX/2019 and after two payments totalling {$1100.00} my balance due decreased by only {$75.00}. I was told that I would not be charged interest on the interest.
Consumer complaint received 2019-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion keep on saying that the item displayed on my credit report are correct!! The accounts are not a charge off, they were paid off and were not late! I could not believe they did a full investigation on the accounts because they are incorrect!! I asked them for detailed response as to how the investigation went but they provided an XXXX XXXX verification.. Please remove the account asap XXXX   XXXX
Consumer complaint received 2019-07-02
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have various credit cards with Capital One and they are an excellent company! I truly love them but they have not fixed the late payments that show on my credit report and I am trying to remove those late payments from my credit report since I am trying to buy a house and they are affecting my credit score. 
Late payment dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I have various cards with capital one but it is the account that ends in XXXX that was opened in XX/XX/XXXX with the credit limit of XXXX Thank you
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TN)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-30
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I have disputed this information directly with the creditor to concerning some inaccurate items being furnished on my consumer report ( XXXX and Experian ). I have allowed the creditor the allotted time 30 days to do an investigation and respond to my disputes. Pursuant 15 USC 1681 s2 unverifiable inaccurate or incomplete information must be removed from my consumer report in accordance to 15 USC 1681 i ( 5 ). This company did not respond to me within 30 days therefore, this means the information is not verifiable. I demand this account be removed from my consumer report for reporting inaccurate information. Please see the attached documents
Consumer complaint received 2024-09-30
Product: Credit reporting 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. (CA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of wrong reporting of my name, unauthorized addresses and inquiries located below ; PERSONAL INFORMATION XXXX XXXX XXXX XXXX, CA. XXXX XXXX XXXX  XXXX, XXXX EMPLOYERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX HARD INQUIRIES XXXX XXXX  XXXX XXXX EXPERIAN XXXX XXXX  XXXX XXXX EXPERIAN The  consumer credit report maintained by you was not opened, made, or initiated by me. From the inaccurate spelling of my name to the wrong addresses, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the inaccurate spelling, wrong addresses, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2019-08-15
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. (MI)

Two large issues. 
First, my brother and I have the same initials and our social security number are off by one digit. Equifax combined us into one person. 

Second, in like XXXX or XXXX my identity was stolen, and my mailing address was forwarded fraudulently, and equifax still lists that as one of my addresses.
Consumer complaint received 2015-04-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

I received my annual escrow account disclosure statement dated XX/XX/XXXX. I had several questions. XXXX pertaining to shortage in escrow of {$1200.00} and the other pertaining to flood insurance being escrowed. I was surprised that I was short so much since in XX/XX/XXXX, I received a refund of {$600.00} due to an overage. When I called and spoke to someone, I did not get a clear answer. They put me through to a specialist. In speaking with her, she informed me that this statement was not correct and on XX/XX/XXXX another statement was generated. I do n't understand how the numbers could change in 10 days, not in my favor. So now, I am questioning whether they are not accurately accounting for the money I pay into escrow. I also noticed that they are escrowing for flood insurance. The property is a townhouse and there is a master policy covering the building. I chose to purchase my own policy covering the interior of the unit and this should not be escrowed. I was told that they did not have any record of the association master policy. I obtained a copy of it, forwarded it to Ocwen. Now I 'm being told that they are not honoring the coverage provided. The person that was helping me at Ocwen told me she was going to talk with the insurance department, and I have not heard back from her. I have been told by several people in the mortgage and insurance industry that there are many complaints about Ocwen and I want to make sure that they are handling my escrow account in the correct manner.
Consumer complaint received 2015-04-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I made my mortgage payment to Ocwen Loan Servicing , LLC on XXXX XXXX, 2015 and it still has not been credited to my account. I have made numerous attempts to provide proof of the payment, but they will only accept a revolving bank statement as proof. My bank does not provide such a statement. I have sent them 3 months worth of bank statements so that they could trace my balances themselves if they think that I was somehow manipulating the data on the XXXX statement. I have also provided a copy of a screen shot of the payment that my bank provided to me when I went into the branch to get proof of the payment. They are extremely uncooperative and rude to me when I try to get this resolved. I have sent information to them on XXXX occasions and made XXXX phone calls and still it has been over 3 months and it is not resolved. This is affecting my credit and they keep charging me late fees and continue to make harrassing phone calls to my home. I just do not know what else I can do at this point. I have now had to contact an attorney for help in getting this cleared up.
Consumer complaint received 2016-07-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (IN)

Re : Ocwen Loan Servicing XXXXXXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX Filed a complaint aganist Ocwen Loan Servicing about the wrong doing 's, with the deed in lieu and the sale of the house. It was sent to them. On Saturday XXXX/XXXX/2016, I get a notice that Consumer Ombudsman will review and respond by XXXX XXXX. And in the same mail I get a notice saying that my loan is being transferred to a new servicer on XXXX XXXX, 2016 XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX Now that they have falsified papers and been caught. I want the transfer to be stopped them to keep the loan and settle this. 
Thank You XXXX XXXX
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2015-03-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NJ)

XXXX at XXXX XXXX, XXXX, XXXX ( Closed due to Fraud ) Below is the letter I sent to the President : XXXX XXXX XXXX XXXXPresident and Chief Executive OfficerAmerican Education ServicesXXXX XXXX XXXX XXXX, XXXX XXXXI am writing you with a very heavy heart. I am extremely disheartened and dissatisfied with the level of insensitivity and lack of understanding and communications received from American Education Services ' ( AES ) representatives regarding my account. I am requesting immediate release of financial responsibility for the above-mentioned account regarding payment for an educational/discipline program at the XXXX at XXXX XXXX ( XXXX ). It is evidence that XXXX is " not '' an accredited educational establishment. However, when I took out this loan, I was told that they were. I have struggled with this loan from the very beginning and have spoken with numerous representatives over the years concerning my hardships : XXXX being financial and the other a divorce. However, I only received temporary relief and a larger outstanding balance. 

Additional information : I have attached documentation from the Attorney General 's office that confirms XXXX was a " Fraud ''. On XXXX XXXX, XXXX AIR was ordered by the State of XXXX to pay civil penalties of {$250000.00} to the Attorney General 's office for issuing unauthorized high school diplomas. The program was furthered order to make partial refunds to parents ( I never received such a refund ), stop issuing diplomas, and stop marketing itself as an accredited school. XXXX applied for permission to issue diplomas from the XXXX State Department of Education and was denied permission on XXXX XXXX, XXXX. The Department, in its rejection letter to XXXX, stated that it had determined XXXX was primarily a behavior-modification facility and not a boarding school. A lawsuit against XXXX for issuing fake diplomas was also filed and a judge upheld its validity in XXXX XXXX. These incidents are what led XXXX 's enrollment to drop from approximately XXXX students to less than XXXX, and ultimately led to its closing. I too think that is was unjust for American Education Services not to notify me of such allegations and continued to accept payments from me. 

I am asking that you have compassion, thereby eliminating my outstanding debt as well as send communications to all credit bureaus to have them remove the item as well. 

Thank you kindly for your consideration, time and immediate attention to this matter.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am deeply curious of how my outcome for this complaint has turned. Your company has responded to my request of removal of these inaccuracies and they are still reporting these accounts. It has deeply affected my credit standing and it stresses me out.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2016-07-01
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am XXXX years old ; I was XXXX at the time of my wife 's death on XXXX XXXX, 2014. I contacted Capital One to close my wife 's account. I was not a co-applicant, but an authorized user. I was advised that I could then have a credit card and my wife 's account would be cancelled due to her death. However, her account was not closed, but they replaced me with my wife as the primary card holder. Capital One is now holding me accountable for XXXX of debt that should have been cancelled upon my wife 's death. I live on a fixed income and can not not pay. As an authorize user, I used the account thinking I had a clean slate ; I have tried to rectify this for two years. I have struggled to pay them {$400.00} each month, while waiting for resolution, that never came. They are not able to produce the original application, which will revealed that I was never a joint applicant and did not apply for this card. Please provide any assistance that you can.
Consumer complaint received 2017-03-28
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Shellpoint Partners, LLC (NY)

I am the borrower of New Penn Financial D/B/A Shellpoint Mortgage Servicing. 

I entered into a contract of sale, on XX/XX/XXXX, with the purchasers selling my co-op unit located in XXXX. After the Co-op Board approved the sale, my attorney started to contact Shellpoint, on XX/XX/XXXX, requesting for the pay-off arrangement. Shellpoint shall locate the collateral documents ( original Co-op Stock Certificate and Proprietary Lease ), and notify us, so that we could schedule a closing, at which Shellpoints will get the whole loan payment and I could transfer the title of the Co-op unit to the Purchaser. 

Normally it takes about two or three weeks for the bank to complete this step. However, despite repeated inquires made by my attorney, we did not see any efforts by or good faith in Shellpoint in processing the payoff. They simply responded they have not located the collateral documents yet again and again. They also refused to provide an Affidavit of Lost Documents after all the parties of the sale had been waiting months after months while such a simple affidavit can get the deal closed! 

On XX/XX/XXXX, my attorney, after numerous efforts, finally found out who represents Shellpoints and started to contact Shellpoints ' attorney for the pay-off arrangement. However, up to date, Shellpoint still could not provide either the collateral documents or the Affidavit of Lost Documents. 

With legal representation, Shellpoints should be fully aware of the consequence of such a serious delay. The delay of Shellpoint has not only cost me extra interest and penalty charged by Shellpoint, but also 6 months ' maintenance charge of $ XXXX/month, as well as extra legal fee and penalty charged by the Cooperative Corporation and my attorney. Besides of this, the Buyer may walk away from this deal any day. 

It will be beyond the imagination of any reasonable mind that CFPB allow a borrower be abused by a licensed commercial lender in this manner. 

It 's a nightmare!
Consumer complaint received 2015-08-13
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (PA)

Every time I pay my Macy 's bill in full, the following month I receive a {$2.00} interest charge, although I have had no balance, This has happened now four times. They will generally remove the charge, but sometimes are quite resistant. If this is happening to me, it is most likely happening to many others. If Macy 's does this to everyone, they are receiving millions of unwarranted dollars and in my opinion that is fraudulent.
Consumer complaint received 2019-08-15
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: U.S. Auto Sales Inc. (GA)

I have {$0.00} balanced with these companies but they're reporting on my all 3 of my credit scores amd they are hurting my credit score I would like for everything to be current since there's no balance accrued these companies are XXXX XXXX, U.S. Auto Sales, XXXX XXXX XXXX XXXX