davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-31
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. (GA)

XXXX {$1600.00} I challenge the accuracy, compliance and reportability of this listing. 
There is no valid claim ... account was settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2018-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

In late XXXX I received Nationstar/Mr. Cooper XXXX Statement for {$1100.00} & balance of {$97000.00} XX/XX/2018, mailed XXXX Check # XXXX, {$97000.00} to Nationstar/Mr. Cooper XX/XX/2018 Nationstar/Mr. Cooper deposited check in XXXX XXXX Account # XXXX XXXX payment of {$1100.00} was due by XX/XX/2018 XX/XX/2018 Nationstar/Mr. Cooper reported my account delinquent to XXXX, XXXX  and XXXX  Credit Reporting Agencies while in possession of {$97000.00}, labeled my Nationstar/Mr. Cooper Account Delinquent and charged a late fee of {$56.00}. 

It took 35 days for Nationstar/Mr. Cooper to refund my {$97000.00}, with additional interest charge of {$8.00} per day, an additional 7-day hold placed on Nationstar/Mr. Coopers check by XXXX before I could access the {$97000.00} and re-start the process. This took a total of 45 days. 


TIMELINE BREAKDOWN OF THE {$97000.00} XX/XX/18 Friday : Nationstar Deposits Funds XX/XX/18 Thursday : Nationstar Returns Funds to me ( via XXXX ) XX/XX/18 Saturday : I Deposit Funds, but they are held until XX/XX/18 XX/XX/18 Friday : Total Funds Available XX/XX/18 Friday : Nationstar Receives {$98000.00} The Payoff Amount for XX/XX/2018 was {$98000.00}. 
The Payoff Amount for XX/XX/2018 was {$98000.00} This 42 day time frame of my {$97000.00} being unavailable increased my interest charge by {$250.00}. 

XX/XX/18 Payoff {$98000.00} XX/XX/18 Payoff {$98000.00} = {$250.00} Attachment 1 Nationstar/Mr. Cooper XXXX Payment Statement Attachment 2 Cancelled XXXX Check XXXX Attachment 3 Nationstar/Mr. Cooper Payment Activity Please view the two Posted Payments date XX/XX/18 Attachment 4 Merged Credit Report Attachment 5 Nationstar/Mr. Cooper Loan History Please view Transactions XXXX XXXX Attachment 6 XXXX Deposit Slip
Consumer complaint received 2018-12-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

respected sir/madam i had submitted my complain before and it was closed, no proof of verification was provided as there was a big big mix up in the mortgage transfer, sps is just going by one modification paper but i have made biweekly payments and extra principal in the five years also XXXX XXXX  had send me a document stating they are reinstating the loan i had provided the document which XXXX XXXX has mailed me with the immortaliztion dates and rated please help me. 
i still beleive it is not fair when it clearly stated on the last paragraph of the letter by XXXX  there are no changes in terms and conditions then how come sps dont do biweekly payment as XXXX XXXX it is false statment. when i was assured nothing was changing.
Consumer complaint received 2016-08-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

I financed an auto loan with Santander Consumer USA. I have made my payments ahead of schedule and I have never been late on a payment. They are stating the interest is accruing on a daily basis since the last payment was made even if the payment was early. I have paid so much in interest to the company and hardly any of it was applied to the principle. I am currently locked out of my online account with Santander because I complained to them about the payments being misapplied. I am in fear they will repossess the car even though my account is current. This company needs to be shut down immediately. There are numerous complaints on this company.
Consumer complaint received 2016-02-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Credit Karma (AZ)

I have sent notice to credit reporting agency that there is an error by XXXX communications on my report. 1 ) I cancelled XXXX due to poor service 2 ) XXXX is an internet company that invoices month in advance 3 ) I did not pay the last invoice as I was not getting the internet speed they charged me for, and they bill in advance. 4 ) XXXX sent my account to collections. 6 ) Not only is this on there once, it appears as a collection three times on my credit report. 7 ) I contacted XXXX years ago about this, they did nothing. 8 ) I 've contacted credit reporting agencies, and I have heard nothing back. 9 ) This has affected my credit rating. I do n't feel I owe this amount ( about {$62.00} ). And I feel all XXXX these collections should be removed from my credit report. Can you please help me? Poor credit results in me paying higher prices for insurance and interest rates. How can I get this collections off my report? It was a prepayment and service was horrible.
Consumer complaint received 2015-11-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (AZ)

We bought a XX/XX/XXXX Honda Ridgeline XXXX in Arizona. XXXX XXXX financed our vehicle through Sentander Consumer USA XXXX. Sentander, never mailed us any financial paperwork, with our account number, or their company name, prior to our first payment being due. 
When they did contact us, we immediately sent the payment through XXXX XXXX Bank Bill Pay. Sentander then accredited our first payment to our account. 
We then scheduled our XX/XX/XXXX payment through XXXX XXXX Bank Bill Pay, Which they claimed that they did not receive, and they called us to complain. So we faxed the information they requested from our bank. We received a confirmation that they had received our fax, but they called us the next day, claiming they did not receive the fax information. When I requested to speak to a supervisor, she confirmed that they had indeed received our fax. 
Two ( 2 ) days later, they requested additional information to include a bank statement. We sent the information via fax, and the very next day, Sentander refunded our payment back to our checking account. When we contacted Sentander, they claimed the account number was not on the check. We have paid our bills from XXXX XXXX Bank Bill Pay for years, and NO ACCOUNT has NEVER claimed that the account number was not on the check. 
Since I had Sentander on the phone, I agreed to make XX/XX/XXXX payment over the phone. After giving Sentander 's male employee my card information, he said our payment was rejected because I did not know my Zip Code, which is XXXX. 
So I informed them that their XXXX payment had been scheduled to be paid on XX/XX/XXXX, and that I was mailing them check # XXXX for XX/XX/XXXX payment that they had refunded. 
On Monday XXXX XXXX, 2015 ( three ( 3 ) days later ) Sentander called us at XXXX. and again attempted to collect XX/XX/XXXX payment. There have been several calls, and we are tired of Sentander harassing us, and making false claims, and refunding payments that are made.
Consumer complaint received 2024-09-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for XXXX Adjustment on Account Dear XXXX, I hope this letter finds you well. I am writing to request a XXXX  adjustment regarding my account with XXXX XXXXXXXX XXXX  ( XXXX XXXX ), account number XXXX. 
I want to express my appreciation for your services, and I have always valued my relationship with your company. I understand the importance of maintaining a positive credit history, and I take my financial obligations seriously. 
Recently, I paid off my account in full on XXXX While I understand that the record of this account may remain on my credit report, I am kindly requesting that you consider removing the negative reporting associated with this account from my credit report with XXXX XXXX 
Thank you for considering my request. I hope for your understanding and support in this matter. I look forward to your positive response. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-12-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (NJ)

XXXX XXXX  is contacting all my family members and leaving messages about my debt. Called them to explain they are not to call my family as they have my phone number and address. They never left me a message but left messages on all my family 's voicemail letting them know I owed a debt.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 604 A it also states that a consumer reporting agency can not furnish a account without my written instructions.

Delete these accounts
Consumer complaint received 2024-09-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga, XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Fraudulent Account Due to Identity Theft Dear Experian, I am writing to formally dispute a fraudulent account listed on my credit report. The account in question is a XXXX XXXX credit card with the account number XXXX and a balance of {$5100.00}. I am a victim of identity theft, and this account is not mine. 
I request that you investigate this account and remove it from my credit report as it is a result of fraudulent activity. Enclosed are copies of my credit report, any relevant identification, and documentation supporting my claim. 
Please confirm receipt of this letter and keep me updated on the status of your investigation. I appreciate your prompt attention to this serious matter. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2015-09-11
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: WINN LAW GROUP, APC (CA)

Back in XXXX I stopped making payments on a {$1600.00} XXXX credit card as my identity had been stolen and was going through financial difficulties. It seems that in XXXX XXXX decides to sue me but I was never served. XXXX attorneys put a judgement against me and continues to try to collect the debt. I settled the debt with XXXX back in XXXX XXXX and part of my settlement condition was that they would remove the judgement. That was not done. The attorneys are the Winn Law Group in XXXX, CA. I am now trying to sell a piece of property I own but the judgement is showing up on my credit report. When I got the information from the escrow company as to who to call, I called them and they sent me a letter trying to settle the debt that I had already settled and the amount had gone up to {$6400.00}. I got a letter from XXXX that my account had been settled and to please remove the judgement and my name from their list back in XXXX XXXX, XXXX. To date, I have not received a response from them and the judgement still appears in my credit report. I called XXXX and they told me that there is nothing they can do because the judgement was entered by Winn Law Group and that Winn Law Group has to remove it.
Consumer complaint received 2015-07-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

A company Called XXXX of XXXX XXXX has put an Item in my credit Report. When I called them they said they cold not send me a bill to XXXX ( They say they do not send bills out of state ) and I have never received any notification from them ( they told me they sent XXXX notifications, None which I received ). The just asked for a credit card number to pay an Item that I have no knowledge of. When I moved to XXXX I put in a change of address and have not ever had a problem receiving my mail. I have never received any letter or notification or Phone call from XXXX of XXXX XXXX.
Consumer complaint received 2018-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (CA)

I contacted Citi by phone on XX/XX/XXXX and requested a replacement credit card for a new card ( ending in XXXX ) that was never received in the mail after being approved for it. I was told that a card would be expedited. I then called Citi back on XX/XX/XXXX and was told once again that a card would be expedited to me. The card never arrived after attempt # 2. I then filed a complaint with the CFPB. I was then lied to once again on the attempt # 3. On XX/XX/XXXX, XXXX XXXX from the Executive Response Unit stated in writing that a card was expedited to me on XX/XX/XXXX. It is now XX/XX/XXXX and the card still has not been received after 3 different attempts. How is this normal? 

My step is legal action as I was never able to take advantage of something that was advertised to me. Telling me I only have until XX/XX/XXXX to do a balance transfer is unjust ( and illegal ), especially since I haven't been able to utilize or take advantage of the offer. 
I have never had this issue with XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, or XXXX XXXX XXXX.
Consumer complaint received 2018-12-29
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX )
Consumer complaint received 2018-12-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (FL)

I have a credit card with Synchrony Bank / Care Credit. I am unable to make payments currently due to being unemployed. I just moved to XXXX housing two weeks ago. I usually work a small limited part-time job in addition to collecting Social Security XXXX. I currently have no money for food or for the co payment on my prescription medication. I am utilizing a food pantry. I am just beginning to look for a small part time job that I am able to do with my XXXX in the new area that I now live. I have no money, because I used my Social Security to pay for moving expenses, rent, security deposit, etc. I can not make the payment of the amount that is due on my account right now. Synchrony Bank has been calling me four times per day and just sent me a certified letter that is still at the post office, and I have yet to read. I have talked to their representatives many times to explain the situation. I only get Soc Sec payment once per month, so I have no money until my next payment. I will not be able to pay the full amount due until I have a job. I am afraid that Synchrony is going to threaten to take me to court, yet I have no money and no way to pay right now. Please help with this harassment.
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have disputed the late payment status reported on the account XXXX XXXX XXXX   XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. Worst, they even reported it as duplicate account..The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im trying to get a credit card.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-08-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MO)

Ocwen mortgage failed to pay XXXX out of my escrow. The insurance company cancelled my policy and did n't rewrite it. They said Ocwen pain but was 30 days late so they canceled me. This is costing me XXXX because they screwed up. PLEASE HELP My name is XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX the loan number with XXXX is XXXX. This is n't my fault but they act like it is. They now want to put me in force placed insurance that I ca n't afford. I 'm having issues XXXX. I 'm retired and on a very limited income. PLEASE HELP ME
Consumer complaint received 2016-12-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

Experian continues to allow XXXX XXXX and XXXX Bank/XXXX to report incorrect information on my credit report. I filed for Chapter XXXX Bk on XXXX XXXX, XXXX. I was then and continue to be under a XXXX. I am in a wage-earner plan and have made all payment. This company continues to report incorrect information, in addition to violate the XXXX XXXX XXXX. For example they recently reported my BK as XXXX XXXX, not so, XXXX XXXX and balances all incorrectly. I provided this information to Experian and Experian continues to allow this creditor to do so. At the time of my BK filing I was never late nor behind in payments. Under the XXXX XXXX the creditors are to report the balance XXXX and payment XXXX unless they are received payment by way of the court trustee
Consumer complaint received 2016-09-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MI)

I discovered that XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI, has a collection of {$640.00} on my credit report. I telephoned the company and was informed the collection that they submitted was not submitted under my social security number. However, the collection appears on my report.
Consumer complaint received 2016-11-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (FL)

Invoice # XXXX from XXXX XXXX XXXX XXXX, Fl XXXX Date of service XX/XX/XXXX All XXXX bureaus are reporting this account as open. 
This account was paid off XX/XX/XXXX by credit card ending XXXX The address this statement was sent to was XXXX XXXX XXXX, Fl XXXX I have since moved, my new address is XXXX XXXX XXXX, FL XXXX Please help me with this so my correct information will be posted to my credit report. Each bureau states this account is being disputed. But none of them are showing the account as being paid. 
Thank You XXXX
Consumer complaint received 2015-03-31
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc (VA)

Years ago when they first harassed me about this issue I asked them to send me the application form where I signed that I understood that I would be charged extra for any pet damages since I had already paid additional every month to have my pet ( that would have been covered for damages ) Also, I wanted photos of the damages because the property manager had told me no one would be available for a walk through with me when I left the apartment so this whole thing seems like a scam to me to get money. They never contacted me again after I requested this information.
Consumer complaint received 2015-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (TX)

When my loan was transferred to Ocwen the balance on my loan was increased by nearly {$25000.00} with no reason. 
Ocwen told me that is the balance they were given when they took over my loan. 
I asked for proof but they said they had no way of getting the history on my loan since the other mortgage company was closed. 
How can they do that? Should n't I be able to get the history on my mortgage? 
I know that the loan on my House is transferable but I should be given something other than here is the new mortgage company & where to send my payments. 
Ocwen Mortgage has never been helpful on this matter and I do n't know what to do!