davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CT)

I have filed complaints with you from XX/XX/XXXX # XXXX to the present XXXX, XXXX, XXXX, ( letter dated XXXX XXXX which was provided to you by lender. Lender perjured themselves for over 10 years in escrow overcharge, which they finally admitted XX/XX/XXXX letter in above claims that they only paid XXXX for escrow, penalty XXXX not the XXXX they lied about for 10 years We were overcharged XXXX for escrow in our XXXX modification which has accrued interest on for over 10 years.they credited payment of XXXX 3 years later, but they did not adjust the overcharges on our modification. Also they did not credit to us the XXXX in fees ever back to us or off the mod. Cost, They did not service us for 14 months from XX/XX/XXXX until XX/XX/XXXX which accrued over XXXX in late fees, they violated every act possible.
Consumer complaint received 2021-07-21
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: Nelnet, Inc. (TX)

This would be my 2nd complaint about Great Lakes. The company responded on XX/XX/2021 through the CFPB in response to my initial complaint dated XX/XX/2021. The company keeps sending me over the same documents nothing bearing my wet ink signature. I have sent in affidavits of truths and affidavits of fact that have yet to be rebutted. I know that an affidavit must be rebutted by another affidavit. If it is not rebutted then the initial affidavit stands as true and factual. I have asked that the Great Lakes stop furnishing my information to the consumer reporting agencies without my consent. They have ignored my request. ( 1 ) Great Lakes has failed to provide me with any written documentation or proof in your initial communication which I received as to who purchased any alleged student loans under any guarantee agreement bearing my name and personal identifying information. ( 2 ) Proof of the entire chain of custody of each promissory note you claim that the entity you are collecting for was required to purchase, including but not limited to, copies of the guarantee agreement for each of the alleged loans contained within your initial communication to me ; ( 3 ) Please send me a full accounting of ALL sums due that have been applied to this alleged loan balance, including alleged default insurance payments, credit default swap payments and any other insurance that was purchased to cover the entirety of the loan should an alleged default occur, including correspondence showing the payout dates of these alleged policies ; ( 4 ) If this loan was securitized, along with other student loans, please provide me with the name of the trust and location of its trustee, including its full contact information and telephone numbers ; ( 5 ) Please provide me with the complete name and address of the original lender and/or creditor and all correspondence you have in your possession related to these alleged loans. ( 6 ) Please provide me with the exact location of my purported loan documents, signed by me, including a direct phone number ; and ( 7 ) Please provide me with copies of all correspondence between your agency and the U. S. Department of Education, including all loan documents, and any documents you have in your possession, bearing my legitimate signature, that proves you have the right to collect this alleged debt, including any agreements signed between you and the alleged creditor you claim to be representing in your initial communication to me. Lastly, please send me your rebutted affidavit if you do not agree with my claims and testimony.
Consumer complaint received 2021-07-21
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)

I contacted XXXX XXXX because the when I used the website and employees in the branch could not access my Fico credit score. I was told I had to go through Experian. I could not make an account on the Experian website, every time I get to the last step where I enter my address and SSN I am met with a Technical Difficulties screen, which gives me a phone number. 

I have called that and every other number I can find for Experian, and they all go to the same automated voice menu system, it is impossible to speak to a representative. Their system is completely broken and it horrifies me that my own access to my private information is impossible to retrieve from them, while they have access to all of my important personal information. 

I am desperate, and worried I will never be able to get FICO credit score.
Consumer complaint received 2023-06-08
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. ()

15 U.S. Code S 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in XXXX of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 

XXXX. NO CONTRACT XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX ADJUST Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/2022 Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please investigate and delete from my credit report. 


These accounts should not be furnished on my consumer report as they are in VIOLATION Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2021-07-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I initially sent a series of correspondence to the Credit Reporting Agencies as well as the XXXX XXXX. 

I am fully aware of how reporting works and found demonstration of non-compliance in accordance to the E-Oscar and Metro 2 format formateignoring to report. 

Account ID:XXXX After reviewing my credit report again, I have noticed that the item has been reinserted. It is my understanding that a deleted item can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy.

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates. https : //www.e-oscar.org/getting-started/about-us ).

It is very serious that you please investigate and resolve as this is harmful to my character and is obstructing my ability to obtain financing.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I would like XXXX and Experian to take a look at XXXX XXXX credibility. They are reporting to XXXX that om XX/XX/XXXX my balance was {$350.00}. They are also showing no late payments and that I made a payment but my balance is still {$350.00}. How can my balance in XXXX be {$350.00} and I made a payment on XX/XX/XXXX and my balance still be {$350.00}. This is what they reported to Transunion. Then they told Experian that on XX/XX/XXXX my balance was {$440.00} and I had made a recent Payment of {$40.00} however on they payment sheet with Experian they show no payments. Then they told Experian that on XX/XX/XXXX my balance was {$350.00} and I made a {$90.00} payment. Then they told Equifax that my balance as of XX/XX/XXXX is $ XXXX They have made 4 completely different reports to all 3 credit bureaus. How can they be allowed to keep their trade line n my credit report when thy are reporting all these different things. Which version of their incorrect reporting are we superposed to believe? see attached documents from Experian, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2021-07-21
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: CAPITAL ONE FINANCIAL CORPORATION (UT)

I filed a complaint with Capital One for {$140.00} against XXXX at XXXX ; as the conditions of the cabin weren't fit for a rat! 
Capital One sent a letter dated XXXX I received XXXX, for more information and a form to fill out. 
I have tried for 2 hours to upload the forms to them, in addition to photos & videos showing the deplorable condition of the cabin ( blood on the pillows, XXXX on the sofa pillows, no a/c, fan not working, no electricity ). 
Hower Capital One system will not upload these. 
I called XXXX XXXX with XXXX XXXX the Philippines XXXX She couldn't understand the simple situation of the computer would not take anything I tried to upload? 
She put me to her Supervisor XXXX, in XXXX ID # XXXX. 
XXXX was the same : saying the files were too big - they were not, less than 4 pages. 
Then XXXX said that she needed 'documentation ' not photos. (??! ) If I am trying to show COne that there was blood on the pillows or the beds were broken need to send photos. 
XXXX could not understand anything, and said she couldn't fix the computer upload as well. 

I need to have a direct email of someone at COne where I can send my documentation including the few small reports they asked for, the 34 photos and 2 videos!
Consumer complaint received 2021-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I recently applied for and received a Capital One Quicksilver MasterCard with a 0 % promotion rate for the first 15 months. My goal was to get a card that had a 0 % balance transfer rate so I could transfer a balance from another card and pay off the balance over time. In the materials for this card, it was stated that a balance could be transferred with {$0.00} fee at " the balance transfer rate ''. I've had credit cards for over 30 years and had never heard of a " balance transfer rate ''. People transfer balances to a card with 0 % interest for a fixed amount of time to pay it off and save interest. Happens every day. So I assumed the rate for the balance transfer would be at the 0 % promotional rate, since this is BY FAR the most common occurrence. 

In this case, the " balance transfer rate '' is the same as the regular rate for the card, 21.49 % ( what would take effect when the 0 % promotion ran out ). When I called Capital One to transfer the balance, I found out about the " balance transfer rate '' definition, and what my options were. There are NO other options. None. Take it or leave it. I asked to talk to a supervisor and got the same answer. There was NOTHING they can do to get me ANY type of 0 % balance transfer rate, even if I agree to pay a standard 3-5 % balance transfer fee ( which I was perfectly fine with once I realized the confusion with the language ). Their answer did not change. 

Honestly, what benefit is it to the consumer to transfer a balance to a card at the regular interest rate? Perhaps it would make sense if you had a much higher rate on the previous card, but even then it would make more sense to transfer the amount to a card with the 0 % balance transfer promotional rate. The idea and product are nonsensical. The fact that they bury this critical detail in semantics and hide it in the fine print to blur the interpretation for the policy, only then to offer no remedies of any kind, obscures the view for the consumer to the point that they are getting a VERY different product than they thought. These are deceptive and predatory lending practices and Capital One should be punished to the fullest extent possible. 

When I called Capital One to transfer the balance, I found out about the " balance transfer rate '' definition, and what my options were. There are NO other options. None. Take it or leave it. I asked to talk to a supervisor and got the same answer. There was NOTHING they can do to get me ANY type of 0 % balance transfer rate, even if I agree to pay a standard 3-5 % balance transfer fee ( which I was perfectly fine with once I realized the confusion with the language ).
Consumer complaint received 2021-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

On XX/XX/XXXX I sent a dispute regarding a debt that I do not recognize to National Credit Systems. Is an apartment complex, and when I left, everything was paid and no past due balances were left. By XX/XX/XXXX the collection agency didn't respond to my previous letter but still sent a bill trying to collect the money, on the same day I send a second letter by certified mail letting them know that they were in violation. As of today XX/XX/XXXX, the collection agency has not responded to me. 

In addition, I never got my right to dispute the debt by any means.
Consumer complaint received 2021-07-21
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. (KY)

I have been working hard for several years to get my credit score to a very good place. Even while unemployed for 2 years I kept up with mortgage payments etc. practically depleting my savings. 
In late XX/XX/2021 my TransUnion score dropped 13 points. The reasoning notes associated referred to ontime payments made. This made no sense and I struggled trying to get answers, Before I could get an answer, in late XX/XX/2021 my score increased to the previous good score of XXXX. Note, none of the other reporting agencies dropped my score during this time period. 
Now again in late XX/XX/2021 TransUnion dropped my score 22 points and the only change to my credit report was that I made my mortgage payment on time and decreased the balance. How is this even possible, to pay your bills on time and get a lower credit score. Again, only TransUnion dropped my score, XXXX actually increased my score by 1 point. This is all using the XXXX XXXX scoring system. 

I can not 'dispute ' a score thru the credit reporting bureaus and there is no generic ask a question contact. 
Thank you for any information you may be able to provide.
Consumer complaint received 2021-07-22
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. (NJ)

there was a credit card in the amount of XXXX $ opened in my name with out my knowledge i disputed that as fraud i provided them with a police report iA FTC REPORT in the lest year they still refuse to remove it without any evidence they are keeping it on the report i provided a latter from the company in which the company states that the account is fraud
Consumer complaint received 2023-06-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

To whom this may concern. My name is XXXX XXXX XXXX. I have done everything in my power to properly fix the issues that are on my credit report. I reached out to all3 major credit bureaus and followed their instructions to the T, only to be ignored. I SENT OUT MULTIPLE LETTERS Certified and 1st class, ONLY TO BE IGNORED. I never received any updates, I haven't seen the status on my credit report updated to in dispute which means all 3 credit bureaus are in grave violation of my consumer rights! I have taken the time to research and also work with consumer protection attorneys that have told me that this can be handled in court which I do not have time for but will consider if this final attempt does not work! BY LAW my dispute should have taken no longer than 45 days. I have not heard a single word from ANYONE regarding my complaints. Seeing as these companies are in violation of my rights I would like all of my complaints addressed as followed. Deleted or updated to positive. I have all of the proof that. I have gone about this in the manner I was instructed by these companies and I will not allow them to violate my rights as a natural person! 

Certified Mail Tracking Numbers : XXXX XXXX XXXX First Class Letter Send Dates XX/XX/2023 ( Experian, XXXX, XXXX ) All others attached on letters
Consumer complaint received 2021-07-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIBANK, N.A. (UT)

opened a Citibank Checking plus account plus savings account back XX/XX/2021, with this checking account I qualified for an Overdraft line of credit, plus overdraft protection on both checking accounts I had opened once I've deposited {$1.00} which I deposited {$5.00}, the very last requirement was that I had to sign and return my signature verification forms for the Overdraft line of credit, I paid to fax that document to Citibank accounting department that same day, I've spoke with several different Citibank banks employees that verified thst i had completed all Citihank requirements to receive my Overdraft line of credit, Citibank bank still hasn't added my line of credit to my checking accounts, its caused a huge financial problems with my checking accounts and my other bank accounts have had returned checks.. over draft fees. Caused my bills I've paid to be returned, now I've been assest more fees. Citibank isn't helping fix their issue they caused my accounts to be in the negative. 
Citibank never gave my sign up bonus,, a {$1500.00} for new customer, they also failed to give my wife her {$100.00} referral bonus. Because of Citibank misleading me into thinking that my accounts are covered by my line of credit plus Overdraft protection that all of my transactions were covered. They even mailed me my check book with checks in it. Plus a debit card. Citibank had let every check I had to write go thru then they returned every check bouncing all of my accounts causing a huge huge mess. Now both banks are charging me for these bounced checks. I want this fix immediately this was their error not mine. I'm not going to be treated like I'm doing sometimes illegal. When this was all Citibanks illegal actions
Consumer complaint received 2021-07-17
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (GA)

ComenityXXXXXXXX account was opens fraudulently in my name. I do not know nothing about this account. I used to work at XXXX but managers open this account without my knowledge to make sales in order not to lose their jobs. I will be filing a lawsuit in small claims court for fraud. This account been on my report for years without my knowledge and I just recently seen it on my credit report on XXXX, XXXX and XXXX.
Consumer complaint received 2021-07-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply to these regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I would like Transunion and XXXX to take a look at XXXX XXXX credibility. They are reporting to Transunion that om XX/XX/XXXX my balance was {$350.00}. They are also showing no late payments and that I made a payment but my balance is still {$350.00}. How can my balance in XXXX be {$350.00} and I made a payment on XX/XX/XXXX and my balance still be {$350.00}. This is what they reported to Transunion. Then they told Experian that on XX/XX/XXXX my balance was {$440.00} and I had made a recent Payment of {$40.00} however on they payment sheet with Experian they show no payments. Then they told Experian that on XX/XX/XXXX my balance was {$350.00} and I made a {$90.00} payment. Then they told XXXX that my balance as of XX/XX/XXXX is $ XXXX They have made 4 completely different reports to all 3 credit bureaus. How can they be allowed to keep their trade line n my credit report when thy are reporting all these different things. Which version of their incorrect reporting are we superposed to believe? see attached documents from EXXXX, Transunion and XXXX.