davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

I began a loan modification 5 years ago with XXXX XXXX when I lost a portion of my job after the housing debacle created an economic downturn. I have applied numerous times with XXXX and although I qualified, they rejected my application time after time for erroneous reasons which threw me back into the system. They were finally unable to give me any more excuses so sold me to a new servicer with the same investor ( XXXX ) who then sold me to XXXX with BSI Financial as the servicer. I applied with them and they denied my application stating my arrearages was too much and do not have sufficient income. I do have sufficient income and the banks not taking my payment any longer threw my loan into arrears. I feel that this whole thing has been a scam and had I known in the beginning it was going to be like this I would have never done it. I worked hard for my house and do not want to lose it and I have done everything I have been asked and qualify, but they want my house and are not willing to work with me. These banks are crooks and were all bailed out and were suppose to extend the benefit on to the people, they have done nothing of the sort. I can see why people throw the towel in because they make it so difficult. My interest rate is 6.75 % and they could very well reduce my rate and make it easier. I am asking for help. They are saying even after I appeal this time that there will be no more appeal so time is of the essence. Please help. 
My name is XXXX XXXX I am at XXXX XXXX XXXX in XXXX, XXXX XXXX. My phone number is XXXX. My email address is XXXXXXXXXXXX. My loan number with BSI Financial is XXXX. My contact is XXXX XXXX XXXX - XXXX. The current letter I received is from Loss Mitigation dept. That address and number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX - Fax # XXXX. They said I have to have the appeal in by XXXX/XXXX/15. 
Thank youXXXX XXXX
Consumer complaint received 2016-07-24
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX ( Deceptive Business Practice ). 
This credit reporting agency changes my credit score ( usually lowering it ) whenever it suits them, and without ever providing to me any type explanation or reason for doing so. The most recent time was today, XXXX XXXX, 2016. While nothing changed in my financial circumstances since this agency 's last report of my credit score six ( 6 ) days ago, this agency lowered my score again, and I have absolutely no reason why it was lowered. Transunion 's website is secretive, in that it provides no rational manner in which to contact and dispute the altering of my credit score. I have complained to the XXXX and Office of the Attorney General of Pennsylvania but with little or no results. I am requesting that your agency intercede in this matter in an effort to have Transunion provide to me an exact reason or reasons whenever my credit score is lowered or increased or altered in any manner. Every time I check my credit score with this agency, I get ready for a surprise, and I do not like surprises. Please contact me if perhaps you should require any additional information regarding this matter. Respectfully yours, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2018-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (IL)

I was charged XXXX from a place called XXXX. I never signed up for this. There are many sites to look at such for free. I discputed these charges with Discover Card and all they told me is that XXXX told them is that the charges are no fraud since the card has my name on it which associates with my email. They also told me that they sent me a Welcome letter in email and several other emails. When questioning to recieve such emails XXXX has yet to supply such and Discover Card keeps telling me I subscribed to this company on XX/XX/2013. At that time I was in the process of going thru with a home purchase, so why would I sign up to look at foreclosed homes. Discover card refuses to write off these charges that I never authorized. Funny how XXXX says your never liable for unknown charges, yet they are screwing me over
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ERC (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ENHANCED RECOVERY COMPAN 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

On. A letter dated XX/XX/23 from Equifax it states they are unable to locate a credit file for me. How is this possible if they verified the following accounts as correct? 
This means they did not do an accurate and full investigation into my disputes and still reported them as accurate. 

These are the accounts they verified as accurate without doing an investigation : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-17
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-03-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NV)

We have a couple additional questions for Ocwen Loan Servicing to answer truthfully and under penalty of perjury. The questions are pertaining to the Assignment of Deed of Trust dated XX/XX/2004 that Ocwen Loan Servicing created for XXXX. NOTE, multiple federal agencies stated that since this document pertains to our Note/Deed of Trust, we are allowed to request this information and this information is not considered proprietary nor confidential! 
1st, Did Ocwen hire XXXX XXXX XXXX to record this Assignment of Deed of Trust? 
2nd, What date did Ocwen send this Assignment of Deed of Trust to XXXX 
3rd, How did Ocwen send this Assignment of Deed of Trust to XXXX 
4th, How did XXXX record this Assignment of Deed of Trust, electronically, mail or in person? 
5th, Did XXXX. return the Assignment of Deed of trust back to Ocwen Loan Servicing? 
6th, If so, how did XXXX return this Assignment of Deed of Trust to Ocwen, XXXX, XXXX etc.? 
Please provide documentation on how this Assignment of Deed of Trust was sent to XXXX and returned back to Ocwen Loan Servicing.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (CA)

This Store has fraudulently made a hard inquiry without my consent I did not open any account. I called them to remove it and they agreed and now I see another one on a different date from same store. First one was XX/XX/XXXX and second XX/XX/2023 XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX
Consumer complaint received 2016-12-05
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (TX)

Dear XXXX, This letter is a formal request to remove unauthorized inquiries from my credit report. I also would like for you to remove the fraud alert on my credit report ASAP! 
XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XXXX XXXX # XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XXXX Automobile Dealers, New XXXX XX/XX/XXXX XXXX Miscellaneous Utilities XXXX XX/XX/XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 
Sincerely, XXXX
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have attached an FTC report with an account I am not responsible for and would like to have it deleted from my credit report along with the inquiries I did not authorize
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my right. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent instructions.

15 USC1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

I opened checking and savings accounts with TD Bank. I have had nothing but problems with TD Bank since. When I opened the account, I accidently left my welcome packet behind, which contained all of my account information. I called TD bank and they put a freeze on that account and advised me to come into the branch and open a new account. Thats exactly what I did. TD initiated an investigation because there were transactions that I did not authorize. TD Bank then closed my new savings account without my knowledge or consent for some odd reason. Then placed restrictions on my current checking account. Even though there is no legitimate reason to do so. I spent over an hour on the phone with another TD Bank agent opening another savings account. The agent advised me that there are no notes stating why the savings account was closed or why restrictions are on my checking account. I checked my account balance today on my checking account and it was over drawn {$6.00} now I checked it again later in the day and now its overdrawn {$100.00}. That amount does not make any sense.TD Bank is willfully mistreating one of its customers. I have proof that TD Bank app and agents give false account balances. I deposited {$420.00} into my checking account. The charges TD bank has listed equals up to XXXX. XXXX XXXX = - {$31.00} and if TD Bank charged me a {$35.00} transaction fee then my checking account would be XXXX but TD bank charged me an overdraft fee of {$100.00}. How does that make any sense?
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Franklin Collection Service, Inc. (MS)

I paid a old medical bill that had went to collections that my XXXX old daughter had got without my knowledge. By her being XXXX they said I was responsible for debt. Franklin Collection Service said they would have it REMOVED from my credit once I paid the {$1100.00} off. Its still showing on my XXXX credit report even after I filled a dispute with XXXX.
Consumer complaint received 2023-04-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (SD)

Per the American Express National Bank website, I submitted a form to close two CDs early on XX/XX/2023 and was informed that it could take up to 13 business days to complete the request. It is past the 13 days and I still do not have access to my money. I have tried contacting customer service XXXX repeatedly regarding this request and have no answers. I'm not sure what is going on but I just want my own money.
Consumer complaint received 2023-04-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Advance America, Cash Advance Centers, Inc. (TX)

My identity was stolen and used to open several payday loans through Advance America online. I was unaware of these loans until I started to receive past due bills. I contacted Advance America and notified them that this was identity theft and filed a police report which I also sent them on XX/XX/XXXX of XXXX. I was told that if I filed a police report and sent it to them that I would not be liable for these loans. They have now sold them to debt collectors who are harassing my family, they are not contacting me directly because the phone number that they have is one I have never owned and one that the suspect used to open the loans. I have contacted Advance America several times and have also contacted the debt collector XXXX several times and am being told they can not give me any information and that I have to go to court and present my case to a judge. I dont see how that is legal. The loans should have never been sold and I was never contacted by them. I also dont see how its legal to give one person so many loans within such a short period of time. 

XX/XX/XXXX {$3700.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$3800.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$3800.00} XX/XX/XXXX {$3800.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$3900.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$3600.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$3700.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX {$1100.00} XX/XX/XXXX {$2600.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX {$870.00}
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I call Capital One on XX/XX/2023 to make a complaint about a hotel stay and to a dispute I was told they will investigate and there's nothing I need to do after two months Capital one final to Resolve my claim Not accepted any of my documents poof the hotel sent back my refund and I will not be charged for the stay. 
Capital One did not help to resolved my claim at all if you they been very Disturbination. Against me
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

My mother was financially abused by her caretaker for the last 6 months of her life. Around XXXX was withdrawn from several of her accounts. This was done in {$1000.00}, XXXX, and XXXX dollar increments about everyday. Wells Fargo did not notify my mother or myself who is also on these accounts. I did not have any electronic access to see any of this activity. I didnt see this until after my mom passed away and I had to get the past statements from Wells Fargo . I have tried numerous times to file claims only to be denied. I also filed a claim with the attorney general also to be denied. I believe that Wells Fargo has some ownership in this as they were not looking out for my mom and did a huge disservice to her and myself. I have copies of statements to prove this activity. It raises huge red flags which they did not act upon. I also have checks that the caregiver forged for her rent and duplicated and triplicated her weekly pay.
Consumer complaint received 2017-03-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Nelnet, Inc. (MN)

I have been paying my student loan and after few years dealing with Firstmark company I am not able to meet the payments amount anymore due to financial hardship. I have used all my forbearance and they have not been able to provide me with any flexible payment options.

My credit score has already been damage and I received calls constantly from them warning abut sending my account to collection. Each single call I received I have tried to arrange manageable payments option but I have not obtained any positive outcomes. I am always dealing with very rude people always threating me
Consumer complaint received 2016-11-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CO)

I have an item on all XXXX credit bureau reports from a company called XXXX listed as XXXX. I have reached out to this company and they are telling me that it belongs to a XXXX XXXX but the credit bureaus are still saying that they have verified this and It meets the FCRA requirements. This is nothing more than a fraudulent attempt for them to not do their job. It does not meet requirements under section 609 of the FCRA as they have not been able to provide validated proof an original signed contract. No matter how much I tell them to remove it from my credit repor they will not do it. They are violating the law. This needs to be taken off my credit report immediately. If you are going to make a law then hold them accountable to obey the law or the law is useless.
Consumer complaint received 2023-04-16
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: Experian Information Solutions Inc. (MD)

CFPB Write up In accordance with the Fair Credit Reporting act, XXXXXXXX Account  # XXXX, XXXX-XXXX account # XXXX, and XXXX account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2018-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

My credit card company failed to make a payment on my due balance, even when they had my auto-pay information. I changed bank accounts but the thwy used the wrong account, My credit score dropped 150 points and I'm trying buy a home. Capitol One refuses to anything about the mistake I attached the statement of the " missed payment ''. 

I never received a single call letting me know of this change in account status.
Consumer complaint received 2018-05-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (AK)

The Home Depot has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (LA)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2018-05-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Ad Astra Recovery Services Inc (TX)

I have called ad astra recovery services and have asked them to provide confirmation that this loan or service or bill belongs to me. They keep asking me to provide my date of birth and the last of my social and the amount. I do not feel I need to. The moment they gather my information they will imply that this amount is mine. It has happened before. Will someone please assist me without giving my personal information. It would be a breach of privacy.