davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I was a Victim of Identity Theft and opened Fraudulent accounts from the year XX/XX/XXXX until XX/XX/XXXX. I have paid a credit repair service, I have directly disputed this with them on numerous times and can not seem to get help resolving this. I have even filed a report with the FTC.
Consumer complaint received 2016-07-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credence Resource Management, LLC (NY)

Credence Resource Management LLC purchased an expired debt that I was no longer liable for. This debt had been removed from all of my credit reports it was expired and time barred. 
They did not contact me before placing negative info on my credit report to give me a chance to verify this debt. 

They re-aged the debt claiming it was a new account and the last payment was in XXXX 2016. Federal Law prohibits cell phone companies to sue after 2 years, they sent the info to XXXX and it caused my credit score to drop XXXX points. I have since disputed and XXXX gave me a favorable decision and deleted the negative information. 

This practice of parking and re-aging a debt is illegal, especially with out first trying to contact me.
Consumer complaint received 2017-11-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I applied for a loan modification or other options to avoid foreclosure, but was denied help. My lender said I didnt meet the qualifications for help. First denial because I did n't make enough money then got a higher paying job and reapplied and now Second denial because I can afford my mortgage. However, they refuse to help with a repayment plan or modify my loan to add the missed payments to the back end of my loan. They say I 'm 15 months behind but that 's not so because my last payment was XXXX. Under a unemployment program. Since then I have appealed and filed a complaint with Wells Fargo XXXX XXXX in the consumer finance complaint recovery group and I have yet to hear from anyone in weeks. Yet they continue to move my foreclosure date or suspend it while under review month after month. My fear is that they are letting it go so that I 'm too far behind for help. I have offered to pay XXXX in back payments which is half and the rest in payments over the extent of my loan or add to the back end. They said this changes everything and will submit for a new review but yet have n't heard anything from anyone. I last spoke with my loan XXXX XXXX on XXXX/XXXX/XXXX and XXXX with the XXXX XXXX XXXX XXXX  complaint office XXXX My Home Preservation XXXX is XXXX XXXX Wells Fargo XXXX XXXX | XXXX Home Campus XXXX XXXX XXXX Floor XXXX XXXX XXXX XXXX, IA XXXX XXXX # : XXXX XXXX XXXX ext. XXXX Fax XXXX XXXXXXXXXXXX XXXX is my contact in the XXXX Consumer Complaint Recovery Offices XXXX Ext. XXXX XXXX Wells Fargo XXXX
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (DE)

I received a response from a Consumer Credit Reporting investigation concerning information contained in my Consumer Credit Report from Equifax. I requested the investigation more than 18 months ago. The response had a gross error in reporting current employment information, reporting that my current employer XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX Was n't included, even after recent employment updated proof was submitted by mail, and the results of the reinvestigation showed erroneous information about a former employer being my current employer. I am submitting that proof along with this complaint.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Re : Inaccurate Accounts & Inquiries your companies are reporting on my credit report. I am leaning towards filing a law suit and a police report against your companies Equifax, XXXX , & XXXX. These companies has violated several laws within The Fair Credit Act. I have attached the appropriate letters below. I am not a credit repair company. Remove the inaccurate accounts and send me a new copy of my credit report with the inaccurate accounts and inquiries removed. The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. The companies are listed in the letter below. Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. I have received a letter claiming that i owe debt to the companies listed in the letter below. Since this is an error and the accounts are listed inaccurately by your companies, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. Sincerely XXXX XXXX
Consumer complaint received 2017-02-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (NY)

My wife and I recently file for chapter XXXX bankruptcy, in an attempt to get a new start for our family. During the process, our mortgage company ; Shellpoint Mortgaging Servicing notified us that we were eligible for a loan modification. The paperwork came and we filled it out as accurate as possible, providing all the required documents that were needed to go forward with the modification approval. Several weeks went by and we finally heard from a representative stating that she was taking on our case, " the original representative is no longer handling our case ''. This particular case worker needed the same documents all over again, in which we complied. Several more weeks go by and she stated she needed additional paperwork, via fax, in which we complied. Once again we get a letter stating that our paperwork was handed to another case worker ; repeating the same thing the other XXXX case worker stated. Once again my wife and I complied. Finally, we received a letter stating that we were denied loan modification and loss mitigation. Please understand this has been several attempts over the past two years or so trying to get remodified, which lead us to other choice but to file for bankruptcy.
Consumer complaint received 2016-06-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Trans Union has XXXX incorrect addresses. 
XXXX XXXX, XXXX XXXX I never lived at or used this address for mail. It is the address of my BROTHER-IN-LAW 'S EX-WIFE. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX This address must have a " XXXX '' before the house number, XXXX XXXX XXXX XXXX. 
That is all thank you.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Novo Platform Inc. (CO)

On XX/XX/XXXX, I tried to log into my Novo.co business checking account and the 2-factor authentication via text message as it was supposed to. I tried several times but the text message with the code never arrived. I reached out to Novo and I began a back-and-forth of several email messages with Customer Support. I tried all the things they suggested and nothing worked. A few times they went as far as to say the issue was fixed and I should try to log in. When I did, the XXXX authentication code still failed to arrive. This has been going on for 10 days and I still do not have access to my account. They repeatedly have failed to fix the problem and my funds are not accessible. I asked them to close my account and transfer the balance to a new checking account at another bank and they said I was the only one who could do this by accessing my account and moving the money myself! But I can't access my account! So I'm locked out of my account, I have bills to pay, and they continue to say it will be fixed " today '' but it never is.
Consumer complaint received 2016-02-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (VA)

Back in XXXX 2015, I got in contact with a XXXX XXXX XXXX from XXXX XXXX XXXX. We went through information on stopping my foreclosure. I was told to pay {$3000.00} and they could get my foreclosure turned around. I was told not to contact my mortgage lender at the time Seterus and that XXXX XXXX XXXX will handle the proceedings from there. I then received a letter in XXXX that my property had been foreclosed on. I spoke with XXXX XXXX ( XXXX ) from who works for a Realty company. I filed a complain with XXXX and they said they they would review the matter and get back to me. When I email them I just receive a generic email back. I 'm writing to ask what I can do about this matter.
Consumer complaint received 2015-07-02
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

on XXXX/XXXX/2015 at XXXX i visit XXXX XXXX # XXXX, they represent Money Gram, i send XXXX us dollar international to the XXXX XXXX under XXXX # XXXX, originator XXXX XXXX XXXX, to be receive by XXXX XXXX XXXX, the money until today XXXX/XXXX/2015 at XXXX shows as in hold by money gram, i try all possible options to comunicate with the company and they just place my call in hold, the XXXX XXXX XXXX XXXX me that they have no way to help me on this issue
Consumer complaint received 2017-02-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Transunion will not allow access to my report at all. Attempt has been made and now Transunion blocks all attempts to obtain or see any report. They only try to bully me to pay money to get a report. They claim I already have had a report which is a lie and false. They need to be fined for this and found illegal and non-compliant. The public does n't have time for these stupid illegal games they play. I need to see and correct false info. and see what has been reported here. I do n't have a lifetime to wait and pay for.
Consumer complaint received 2016-04-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Berman & Rabin, P.A. (SD)

Have n't had a single phone call from this company in nine years. No letters no nothing. Found out a judgment was against me from nine years ago. Called to try to see what the judgement was for and why I have n't heard anything from them. The reresenative XXXX or XXXX was extremely rude would not work with me at all. XXXX talked over me would n't explain things. Was acting in a misleading manner. I tried to give auth for a third party authorization to speak and get information to help with this debt he was rude to her and hung up on her when she asked to speak with someone above him.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

XXXX keeps adding balances and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are extremely detrimental to this process. First and foremost, I have been in student status and military deferment since XX/XX/XXXX, not to mention they did not have my correct contact information and I was not notified that I was out of forbearance. I respectively ask that the late payment statuses XX/XX/XXXX -XX/XX/XXXX be REMOVED and set to CURRENT. As soon as I spoke with a rep at XXXX my loans were put back in Military deferment/Student Status. Also, I am requesting that all loans older than 7 years be removed/deleted off my credit report at once in order to comply with the FCC, as that is more than the SOL for my state I need this done ASAP, as XXXX is doing illegal collecting and reporting porting practices to all three credit bureaus.
Consumer complaint received 2016-05-10
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: DataMax Corporation (SC)

I have asked Interstate Credit Collection to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2015-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (CA)

Failure to provide validation. On XXXX, I sent the company a demand for validation for the reference account they had reported on my credit report They failed to respond back without any contractual agreement or statements from the original creditor and continued reporting the account on my credit report. At the same time they verified the account as a valid account when I disputed it with the credit bureau instead of notifying the credit bureaus to have them mark the item as disputed, as required by law, thereby violating the FDCPA. This is a fine, punishable in court with punitive damages of {$1000.00}.
Consumer complaint received 2023-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (NY)

I applied for XXXX XXXX XXXX XXXX XXXX XX/XX/2023 online, providing all my information including name, social security number, address, years living in the current address, phone numbers- it was a very detailed form. Given all the details, I received a letter from Barclays asking for even more material - drivers license, SOCIAL SECURITY CARD, current utility bill or bank statement with my current name and address - and I was asked to MAIL these to their address, otherwise my application would not be considered further. 

I called Barclays asking for an alternative to mailing these information. 1 ) i was not comfortable mailing such info out 2 ) it's not environmental friendly 3 ) i don't want to pay for the mail 4 ) why is social security card even needed as i've already provided my number. I was provided no options. 

I asked why these extra information was needed - I have 8 years of credit history, my fico score is XXXX, i've been living in current address for XXXX years, my credit report would have supported all information i provided, it doesn't seem like enough efforts were made ( pull my report and check against my info ) before Barclays started asking for more- i was provided with no reasoning.
Consumer complaint received 2015-08-31
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

back in XX/XX/XXXX, I spoke with a representative at XXXX who made a payment arrangement with me. The instructions given to me during the contact were that I would be responsible to make XXXX payments on the account to pay in full. I made the XXXX payments and the account was closed. Later, I find out on my report that Capital One is reporting it as a settlement. I was not informed this was a settlement. I spoke with a representative at Capital One on XX/XX/XXXX who acknowledged the error and advised me it would be deleted from the credit bureaus. He just needed to do this and would send me a copy of the letter. After a week of not hearing from this representative, XXXX, I called back and was told he was on an extended absence and that my case would be reassigned. After another week of not hearing from the new case manager, I called and spoke to XXXX with their customer relations department advised me that that I had a {$170.00} balance left owing. She offered to have me pay the balance so that the account would truly show paid in full, not charged off paid in full but said she would get back with me after she checked to see if she could do that. After XXXX days she calls me back to say that I could pay it but it wo n't " help. '' There are so many things wrong on so many levels with how this all transpired. Delayed contact back from Capital One several times, representatives offering to do things that they did n't know if they could do due to lack of knowledge from someone who is in an upper level representative position, answering for their CEO and not knowing her stuff. XXXX promising me that it would be done XX/XX/XXXX and that I 'd get a letter and then XXXX saying that she had that call pulled and listened to and that she could understand why I would be confused by that contact with XXXX and yet not making it right. Then stating that I could pay the {$170.00} but that would start the clock back over resulting in them reporting negatively until XX/XX/XXXX, possible XX/XX/XXXX. I want this removed from the credit bureau due to XXXX 's original agreement to show it paid in full not a settlement.
Consumer complaint received 2017-01-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

I have a mortgage with Ocwen. My monthly payment is {$220.00}. On the XXXX of each month I pay {$310.00} which leaves XXXX towards principal. On the XXXX of each month, I pay and additional {$400.00} towards principal. All total I shoulld have a total of {$550.00} credited towards my Principal. Since XX/XX/2013, when Ocwen obtained the servicing, I have paid over 39 months an additional XXXX towards my principal. My principal balance should be {$14000.00}, and not the {$18000.00} Ocwen is showing. Ocwen has disallowed me to log in to my online account. I registered my mortgage with ocwen in XX/XX/2013 and was able to log on and view all payments and history and view my loan documents. Because I filed my complaint, Ocwen have denied my access to the account. I called several times and was told that there was nothing they could do, and that I need to request any documents I need to look at in writing. I was also told that I can request statements. Why am I being treated different than any other account holder? Why am I being denied to view my payment history. Why is Ocwen hiding my payment history? Why is my bank account showing that I have paid more money than Ocwen has credited to my account.
Consumer complaint received 2016-06-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I mailed out a letter and followed the instructions precisely ; included a copy of my drivers license, proof of my social security number, and proof of my address, along with my letter asking for an investigation into numerous issues. That was two months ago. They have not responded to me.
Consumer complaint received 2015-03-19
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ballybunion Enterprises, Inc (AL)

We opened an account with Freedom Funiture in XXXX paid as agreed and refinanced in XXXX. We paid as agreed until we became unable to pay the full amount in XXXX. We made an agreement to pay a lesser amount per month and kept paying via allotment. Freedom got a judgement against us while I was training. I was not served with the judgement prior to court or after ... I was informed of it when my wages began to be garnished. They got the judgement in XXXX VA. XXXX # XXXX Filed XXXX. 
I did not sign a contract in VA I signed my contract in GA. They garnished my wages causing finacial distress. I was able to get that stopped through XXXX. However the judgement remains and has severely damaged our credit preventing us from buying a home and upgrading our vehicles. We have asked repeatedly to have this issue fixed based on the fact that the judgement was not served on me ever and the fact that they have caused so much financial distress and ruin. We were told we 'd have to go to VA to fix it. We have in total paid this company nearly {$25000.00} over the last 11 years. for a couch and loveseat, computer hutch, table and chairs. the furniture has not lasted however the payments and ruin continue the judgement says we still owe XXXX. We need assistance as we have tried every other step possible to fix this without aid.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (MD)

Nelnet keeps adding balances and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are extremely detrimental to this process. First and foremost, I have been in student status and military deferment since XX/XX/XXXX, not to mention they did not have my correct contact information and I was not notified that I was out of forbearance. I respectively ask that the late payment statuses XX/XX/XXXX -XX/XX/XXXX be REMOVED and set to CURRENT. As soon as I spoke with a rep at Nelnet my loans were put back in Military deferment/Student Status. Also, I am requesting that all loans older than 7 years be removed/deleted off my credit report at once in order to comply with the FCC, as that is more than the SOL for my state I need this done ASAP, as Nelnet is  doing illegal collecting and reporting porting practices to all three credit bureaus.