davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

XX/XX/2021 - Account Modification Approval Notice received. Initial payment of {$790.00} required by XX/XX/XXXX. This payment was made on XX/XX/XXXX via cashiers check and deposited by PHH on XX/XX/XXXX. This was XXXX payment # 1 under the agreement. Copy provided. 

XX/XX/2021 - " fully executed '' agreement received. Copy provided XX/XX/2021 - Payment of {$790.00} via XXXX XXXX online banking. See Account Transaction Detail Report. This was XXXX payment # 2 under the agreement XX/XX/2021 - Received letter from " XXXX XXXX '' stating that my loan was not eligible for modification because I did not make the initial payment on time. 

XX/XX/2021 - I complained XX/XX/2021 - Payment of {$790.00} made to PHH via XXXX XXXX online banking. This was XXXX payment # 3 under the agreement. 

XXXX XXXX - PHH reversed my XXXX payment. XXXX notified me so I purchased a cashiers check to send in. 

XX/XX/XXXX - Received email from PHH stating the modification cancelation was in error. 

XX/XX/2021 - PHH recredited my payment so I redeposited the cashiers check to my account. 

XX/XX/XXXX - Received email stating that I owed {$48.00} from BEFORE the modification and the modification could not be completed until I paid it. I protested but eventually paid it just to shut them up XX/XX/2021 - Payment of {$790.00} made to PHH via XXXX online banking. This was XXXX payment # 4 under the agreement, XX/XX/2021 - payment of {$790.00} sent to PHH via XXXX online banking. This was payment # 5 under the agreement. 

I am up tp date and current, 5 months, 5 payments. This company constantly holds, reverses payments to make me appear late.They always show my account as past due even though payments were made well iin advance, See screen shot of website. During all the reversal and payment manipulation in XXXX I became so overwhelmed, stressed, and upset I had to be taken to the hospital by ambulance and admitted. I should sue for damages.
Consumer complaint received 2021-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (VT)

I have been working diligently on my credit repair. I have found battle after battle, and still feel like I'm be frauded. 

I received in the mail a bill from Jefferson Capitol saying I owe on a cell phone bill to my current cell phone company. 

I do not have any delinquent debt with them. 

I called and they told me they would issue a dispute. 

Now I get another letter stating they want my ss # account # description of error and explanation of why I believe there is an error, dollar amount in question, date of suspected error, cope of the credit report with their trade line. 

I again called them and they told me, ok, we will stop collections, and will not report on my credit reports.
Consumer complaint received 2021-10-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (AK)

On the XXXX of XX/XX/2021 I called SLS Mortgage Company in Arizona to check up on the status on my new refund check that I'm supposed to receive a few weeks back. Check # XXXX issued my check with my last name spelled wrong. This issue has been going on since XX/XX/2021. My local bank teller couldn't deposit the check because my last name has been spelled wrong. I tried calling several times when I have free time to call the SLS mortgage escrow department, because I'm enrolled in a XXXX XXXX XXXX in Texas XXXX XXXX  XXXX and my mobile phone must be shut off during XXXX XXXX. The agent I talked to SLS Mortgage Escrow Department is XXXX, Employee # XXXX. XXXX was unethical and discourteous when I asked her about the check that was issued to me that had my last name spelled wrong. XXXX was verbally rude over the phone and asked me that it takes 14 days to re issued the check to me. I tried to explain to her that I have called last 2 weeks ago and the agent XXXX XXXX talked too, said it's been mailed to my address with my last name spelled correctly. I explained to XXXX that this issue has been going on since XX/XX/2021 and I told her I will report her to Better Business Bureau, Federal Trade Commission, and the Consumer Financial Protection Bureau for mistreating their customer and false information from different employees saying my check has been re issued to me. XXXX verbally guffaw and told me that I shouldn't report to three bureaus because SLS mortgage wont work with those complaints that I have filed. XXXX told me she is the Manager of the Escrow department and told me it's not necessary to file a complaint. On the XXXX of XX/XX/2021 I called the SLS Mortgage Escrow Department to check up on my status. XXXX answered my call and told me that the new check been reissued to me hasn't been made yet. I told her that XXXX is supposed to fix my check with my last name spelled correctly. XXXX reached out to XXXX at the XXXX department, and I waited for over 10 minutes on hold. Unfortunately, XXXX told me XXXX hasn't issued me a new check with my last name on it. XXXX told me to call back in 5 days. This is outrageous and very frustrated when I have different SLS employees told me that my check has been re issued and now I have been neglected by SLS Employees and my check hasn't been processed with my correct last name. I am a XXXX XXXX Veteran that served 12 years XXXX XXXX with a double XXXX XXXX XXXX in XXXX XXXX  and XXXX  XXXX. I now completed my XXXX XXXX XXXX at Texas XXXX XXXX XXXX. SLS Mortgage Company should retrain their employees in customer service and good ethical background on how to handle their customers in a professional attitude. Please investigate. Thank you.
Consumer complaint received 2021-10-18
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: LEXISNEXIS (MO)

All bureaus listed on the FTC website remain and non-compliance status with several complaints previously filed. They repeatedly take longer than 30 days without a reasonable explanation and they are not carbon copying the consumer as required by law. When they do carbon copy the consumer they were openly refused to comply and violate the fcra repeatedly by playing this match the database and push Buttons game with people. You never volunteer information any information for my driver 's license is out of state so I don't want to hear the XXXX  XXXX. Would you like to see the storage receipt that my father had to pay last month?
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

All this information need to be updated correctly. 
Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX - Employers : ALABAMA XXXX XXXX XXXX XXXX XXXX XXXX  I should only have one name same as it appears on my drivers license or social security card no other names abbreviations etc. only one address Which is XXXX XXXX XXXX XXXX no work employment should be on my report I dont work for anybody thats inaccurate.
Consumer complaint received 2023-06-27
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. (CO)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX  Account Number : XXXX Delete this account. 


15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 


there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 


15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 


15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 


1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 2. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/2022 I sent Barclays two {$1000.00} money orders to pay off my card. These transactions are both posted in my account. On XX/XX/2022 Barclays posted a {$1000.00} charge on my card. I noticed this charge 2 weeks later and called customer service. After an hour and a half I hung up as they insisted this was a convenience check I had cashed ( I have never used these checks in my life ). 2 months later after a 2 hour call they finally acknowledged that it was an automatic charge because the system thought my two money orders were a duplicate payment. The told me I would receive a check in the mail for the {$1000.00}. In XXXX I called them again - another 2 hours - to tell them I have never received a check and I requested the charge be removed. They told me they would cancel that check and send me a new one. I was very unhappy about this solution. I waited 4 months until the end of XXXX and just phoned them again on XX/XX/XXXX. During this call I was initially told that I had cashed the check they sent me and I definitely had not gotten a check. After a half hour they acknowledged I never received a check and that they would cancel they one they already sent and issue a new check. I asked customer service to outline this case to me so I could write everything down. They told me our second interaction in XXXX involved fraud ( it did not ) and I asked them to detail to me what this meant. Then customer service person hung up on me. I pay my card off every month ( and have for 30 years ), and this XXXX has been sitting on my card for 7 months accruing about XXXX $ + interest. The company refuses to remove the charge OR the interest. I hope you can help, I am at my wits end. Im a XXXX XXXX XXXX with a great credit score that Ive spent 30 years building.
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I request that the late payment be removed from my account as I have consistently made on-time payments for this account. It is unacceptable to see this inaccurate information on my account. I have provided the necessary documents for your review.
Consumer complaint received 2021-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX, I transferred {$1100.00} from XXXX XXXX to Capital One. That cleared & posted in my Capital One savings account on XX/XX/XXXX ( tracing id # XXXX XXXX XXXX XXXX XXXX ). I shut down my wells fargo account on the XXXX because the transaction had posted & was complete, therefore my account was finally {$0.00}. They wouldn't close my account until it was totally all over at Capital One. My {$1100.00} posted in Capital One on the XXXX - then on the XXXX they somehow, for some reason, reversed my entire checking account- they undid the transfer- but my XXXX account didn't exist anymore so there was nowhere else to 'return it to ', so now my checking account money is missing in cyberspace. I've spent hours on the phone with them, XXXX at them, dm-ing them, etc. for days & they haven't undone the reversal. So I'll be at least a week in XXXX with {$0.00} in my checking account- they won't even front me my own money back as they 'investigate '. They told me today that 'we 'll mail you a letter in 5-8 business days about the progress ' .... nor will they even reimburse me with any sort of token of apology for their blatant mess up. My rent is due in a handful of business days & they won't fix their error.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/2021, A request to TRANSUNION to remove fraudulent reporting information was denied, the information to be removed under the fair credit reporting act, and was Dates of acts XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am writing to file a complaint regarding the handling of a recent inquiry I submitted to Equifax concerning unauthorized hard inquiries on my credit report. 

On XX/XX/year>, I placed an Equifax dispute online for several hard inquiries listed on my credit report that I did not authorize. However, on XX/XX/XXXX, I received notifications that my inquiry had been denied. I am concerned that this rapid turnaround did not allow sufficient time for a proper investigation into my dispute. 

Given the serious nature of unauthorized hard inquiries and their potential impact on my credit score, I believe a more thorough and timely investigation should have been conducted by Equifax. I request that the CFPB review this matter and ensure that Equifax fulfills its obligation to investigate disputes in a fair and reasonable manner. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Consumer complaint received 2023-06-27
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. (PA)

In accordance with the Fair Credit Reporting act XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : 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 2021-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

My identity was stolen in XXXX, someone filed my taxes and received the refund. When I realized this had happened I immediately went to the IRS to see what I could do to resolve the situation after XXXX XXXX XXXX XXXX gave me the run around because they initially didnt believe me when I said I havent filed taxes yet for that year. The assistant at the office only gave me info to send in affidavits to resolve this issue. I havent been able to file taxes within the last few years due to not receiving a pin to file them, fear, and lack of knowledge. Now, I have been doing more research, calling the companies, and wanting to check my credit scores to start my life and theres plenty of credit reports from hospitals and credit cards that Ive not been aware of. These are the accounts that are on my report. 

XXXX XXXX XXXX for {$790.00} XX/XX/XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX XXXX XXXX XXXX {$770.00} XX/XX/XXXX XXXX XXXX XXXX  {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$360.00} XX/XX/XXXX XXXX XXXX XXXX  {$310.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX
Consumer complaint received 2021-10-18
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. (DE)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Credit score fluctuations with severe decreases in score without any noticeable, valid reasons. All positive reporting showing on report yet Experian dropped the score negatively impacting me. 

Unable to speak with a live person to discuss or dispute their validity in how the justify their scoring.
Consumer complaint received 2023-05-02
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. (MI)

XXXX XXXX account XXXX is reporting inaccurately across all 3 credit bureaus. I also did not give this company to report this information to my credit report. This reporting I believe has caused me traumatic stress. I recently opened a new XXXX account. My husband has a business bank account with XXXX. We have a tax company that has made XXXX XXXX thus far. My first pay out was XXXX XXXX. XXXX opened my account and cleared my check. About a week later they decided to close my account with no explanation besides it was a company decision. I believe this negative account I did not consent for the company to report was the reason my account was closed. I was discriminated against based off of this inaccurate reporting account. XXXX reports a diff open date than the other credit bureaus, XXXX shows $ high limit while trans and equifax reports {$4000.00}. Equifax reports a different last reported day than experian and transunion. Date last active report diff on all 3 credit bureaus. Date of last payment is reporting diff on equifax. I had to wait for them to mail me my check which took almost a month after they closed my new account. My check was cleared by my Michigan XXXX XXXX XXXX with no issues. I am demanding this company to remove this account from my credit report immediately as I never gave my consent and per the FCRA I must be told if information in my file of consumer reporting is being used against me.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION (PA)

This is for NAVY FEDERAL ACCOUNTS due to 120 days passed through from from me being hospitalized due to illness. NAVY FEDERAL restricted my cards. i had an exceptional payment history. I asked NAVY FEDERAL as goodwill to reverse the 120 late payment reporting, and they refuse. refuse, even though I had exceptional payment history with them. and never been late prior to my illness before my sickness This is no way to treat a customer.An exceptional payment history with them .This is no way to treat a customer with a illness i will lke for someone to look into my account and attempt to reverse the 120 days late reporting
Consumer complaint received 2023-05-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (MT)

I refinanced my loan in XXXX with a different company, the car is now paid off and they are still maintaining a lien in North Dakota. 

I contacted them to get a lien release, and they informed me XXXX XXXX ( who took over the loan ) would have to request the lien release. 

I contacted XXXX XXXX, and they informed I would have to contact Westlake Financial to get the lien release.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

All credit reporting agencies allowed an unauthorized person to get paid access to all My credit reports to take over my identity. I don't have any paid account for none of them and never have. Im dealing with ip infringement, identity fraud and impersanation. No one is obeying the law and stopping the criminal from accessing my personal accounts. My credit reports are not correct due to phone cloning using sim swap out and cybersquatting. This is occurring with everything in my name
Consumer complaint received 2021-10-18
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: WELLS FARGO & COMPANY (NJ)

These accounts don't belong to me. Please remove them form all XXXX credit reporting agencies. please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies : XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft WELLS FARGO BANK Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX Date of inquiry:XXXX This is not mine.
Consumer complaint received 2023-05-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: EGL US, LLC (CA)

I have been trying to reach BMG by email and phone for 10 day. I have been constantly on hold 5 plus hours no one picks and also no response to my emails. I sent duplicate check first one canceled because it was not endorsed and I received a second check mailed to them. I was trying to relay the information and also receive proper payoff.Chat doesnt work.