davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

To Whom I t May Concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relat ives address. Please see the attached copy of my personal mail and bills for your reference. For the record I have lived in the same residence for over 7 years.     My name is :  XXXX   XXXX   XXXX  Please remove all other name variations IMMEDIATELY. They are not accurate.     MY CURRENT WORK INFORMATION IS :   XXXX    XXXX  /  XXXX   XXXX   XXXX    XXXX   XXXX   My current phone number is : (  XXXX  )  XXXX  Also, my current and only address is :  XXXX   XXXX   XXXX   XXXX   XXXX , OH  XXXX  I HAVE RESIDED HERE FOR 7 YEARS (  XXXX  ) YEARS All other addresses are not accurate. Please remove THESES addresses   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   O H   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   O H   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   O H   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   O H   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   O H   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   O H   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   O H   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2017-05-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (FL)

I lost my home because  Ocwen Financial  lied to me about my low income home modification applications were denied and I had to fill out more the loan modification package 's more than  XXXX  times and the would tell me after I went and paid for faxing them They did n't get them or they could n't find the paperwork I sent them. I did this over and over and finally they said I was not approved. They started foreclosure on me and gave me only 3 month 's to vacate or said I had to pay them in full. They had  XXXX  payments paid ahead and I was n't behind in my payments. I get a letter from the Government that I had been approved for the loan modification for {$250.00} a month. I had to do a quick sell for just {$3000.00} for my home.  Ocwen  caused me so much stress and I went into deep  XXXX  and had a very bad nervous breakdown. I was in the  XXXX   XXXX   XXXX . I lost everything I had worked for my entire life because of Ocwen. The letter I received from the  XXXX  said I could get my home back but it was sold and rented out and destroyed by the renters. I have no money to sue Ocwen and I need help to get my money I lost from my home.
Consumer complaint received 2017-05-12
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: CITIBANK, N.A. (NV)

I am writing to complain abou t Citi ca rds dispute process as they do not investigate and just side with the merchant. I have had several issues rejected and, despite offering protection from faulty goods or services, they run you around in a circle to try to get you to forget the claim. If you do n't, they side with merchant without so much as weighing the facts. In  XXXX , I disputed a change from  Home Depot  when they improperly installed a water filter. Sure enough, after months and repeated requests for information they sided with the merchant. In   XXXX  , I reversed a charge from  XXXX  after the window tinting offer I purchased would have ended up costing twice as much as the advertised price. Again, run around and siding with the merchant. They wanted ridiculous proof like another merchant to take a look at the tinting, which was impossible since I never fulfilled the service as it was a bait and switch scam. Finally, when the claim damage during our move by  XXXX  was denied because the moving company said things break during moves, i wanted a refund for the extra insurance I purchased.  Citi ju st reversed the reversed charge without asking any details, contacting me or any other due diligence. Clearly, their protection is completely useless and I 'm closing my accounts but I want them to stand by their promise to protect card holders.
Consumer complaint received 2017-05-11
Product: Credit card or prepaid card — Store credit card
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

In response to a prior complaint made with CFPB (  XXXX  ) Portfolio Recovery indicated they would remove their trade line from the credit reporting agencies however when I spoke with   XXXX   and  XXXX   XXXX  on  XXXX   XXXX ,  2017 they h ad not removed their trade line from my   XXXX   and  XXXX   XXXX   credit re ports. When I speak with   XXXX   or  XXXX   XXXX  to let them know about the prior complaint filed against Portfolio Recovery and provide them with the CFPB complaint number, I 'm informed my complaint is not  one of  their options.
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In order to provide you with the proof that the account numbers do not reflect my ownership to them appearing on my credit report, I have looked into the issue with the Federal Trade Commission. They guided me to this letter on their opinion on the issue. These account numbers belong to another person or an imposter using my name to obtain credit information. It is also noted in my investigation that by sending me account statements from the creditor does not dignify ownership. I have a letter from the FTC attached to attest to this. These are the accounts that are not reported accurately due to the fact they do not express the full account numbers and they MUST be removed immediately to avoid litigation  : 1 .  XXXX   XXXX  2.  XXXX   XXXX  3.   XXXX     XXXX  #  2   XXXX  also shows a high limit on a collection account which is also falsely reported.
Consumer complaint received 2017-05-12
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. (MI)

Hello I just made a large payment of {$260.00} to my  XXXX  card  two  days ago online. The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA section 623.
Consumer complaint received 2017-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I went to my local  XXXX  dealership with a pre approved auto loan from  XXXX   XXXX  auto navigator. I even brought the printed out paperwork. The salesman told me they needed to run my credit again to see if they could get me a better interest rate. He did not tell me that there would be  XXXX  companies accessing my credit report. Now my  credit score  has dropped  XXXX  points in less than  24 hou rs. Turns out that  XXXX   XXXX  was the lowest rate I could get. They ran my credit with  XXXX  other companies for nothing.      XXXX   XXXX ,    2017  {$30000.00} Quite frankly this is the type of   XXXX   that consumers do n't want to deal with. It 's hard enough to build your credit, and all it takes is some salesman with a sales pitch to a first time borrower to ruin your credit in a matter of minutes.
Consumer complaint received 2023-09-01
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica (MO)

On or about XX/XX/2023 I payee XXXX XXXX wasn't able to make a purchase when attempting to contact direct Express customer service I keep getting a auto response stating it's peak time call later therefore unable to resolve my issues. This is a shame! People or payees taking care of those with disabilities should always have access to customer service and they should have enough employees to help all customers and payees at all times! I will be asking my XXXX XXXX and Reps to change contract to another card company since this continues to occur from Direct Express card company shame on them for declining transactions and not answering phone for disabled persons and payees.
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OH)

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section.
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may cons  titute the reporting of false information, causing damage to my reputation and future credit worthiness.   I have a unverified account on my report that from a Company N/A #  XXXX  all that is states is that it is a MEDICAL account there is no company name on it. The I also h ave 2  account from  XXXX   XXXX  that are listed wrong. These accounts has been disputed for very poor records keeping and inaccurate filing of my account status.
Consumer complaint received 2017-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MI)

Hello I just made a large payment of {$260.00} to  my Chase card two da ys ago online. The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA sectio n 623.
Consumer complaint received 2017-05-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Overton, Russell, Doerr and Donovan, LLP (TX)

Overton Russell & Doerr collection agency is not bonded in the state of Texas. Overton Russell & Doerr ca n't legally co llect any debt. Please remove from my credit report and confirm that the debt is not owed.
Consumer complaint received 2023-08-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (PA)

Hi, I recently applied for a mortgage loan through RocketMortgage and XXXX quite appalled with how we as consumers are treated. For starters, I was offered pre-approval loan letter with no interest rate stated on the letter. I feel like this is definitely a violation of the Truth in Lending Act. By law lenders are required to provide information about all fees and charges associated with a loan. This is the same treatment I have received in the past with other lenders when applying for a mortgage loan on single based income and XXXX tired of it. We deserve transparency and fair lending terms. I also have someone else who will be helping paying off the loan with me and he has a much better score than I do and theyre even getting him a hard time by scrutinizing his tax documents ( his losses reported on Schedule C ) and trying to raise debt to income ratios, in order to raise interests and/or to avoid locking in an interest rate. This is not fair and it is extremely frustrating to have to begin the whole process again with another lender.
Consumer complaint received 2017-05-12
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: EQUIFAX, INC. (LA)

I would like to submit a complaint regarding Equifax. It has been well over 30 days and Equifax never investigated and did not send me results of the accounts and inaccurate information I disputed on my Equifax credit report. I mailed a written letter to dispute inaccurate and erroneous accounts and information being reported by Equifax on or about  XXXX / XXXX / 2016 . I disputed several inaccurate, erroneous and unknown accounts reporting on my Equifax credit report/file and requested an investigation by Equifax. The following information and accounts were disputed and investigation requested ;   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  .       It is well settled, per the Fair Debt Collection Practices Act that credit reporting agencies/bureaus have  XXXX  to review and respond to consumer disputes, if this provision is not met in a timely manner, the credit reporting agency must delete the accounts and/information that was disputed by the consumer. Equifax has continued to report the aforementioned disputed accounts and/or information without responding to my disputes and request for investigation regarding the inaccurate and erroneous accounts and/or information. I have made Equifax aware that some of the accounts their company is reporting on my credit report have inaccurate and erroneous amounts owed and/or financed, open and close dates are incorrect, dates of delinquency are incorrect, a number of accounts are obsolete and time-barred and some of the accounts I am no longer liable for.
Consumer complaint received 2017-05-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (CA)

I have a charge for {$51.00} on my  AMEX  Serve Card that I attempted to dispute with card. I had previously attempted to reach merchant several times via email and phone. I was unsuccessful in reaching merchant. Due to extenuating medical circumstances and failed contact with merchant, on  X/XX/17    I reached out to  AMEX Serve Card  to dispute charges for items not received from the merchant. The Card company agent me informed that too much time had lapsed and that could not dispute my charges due to there system would not allow them. I requested the call to be escalated, nevertheless, the Card company agent continued to overlook my concerns. The agent  XXXX , identified herself as a Account Manager but could not provide me with a physical address to write my dispute regarding my claim. The agent told me there was nothing she could do because the computer system would not allow her. I again requested that my issue be escalated to a higher level. She claimed she was going to transfer me to another  manager  but then the call was disconnected in the so-called transfer process. This is not a line of credit, this my own money deposited on this card, and I 'm being denied opportunity to have issue addressed.
Consumer complaint received 2017-05-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

Over the pa st three years Navient no w has my loans, and every time i call them to find out options considering my situation, they always fail to help me. I try to get information from them and i feel that they hesitate to really explain how each option can effect you, also are not clear at giving you numbers if i ask for them, they just tell me we wont know till you apply for that or apply for this. I called again this morning just to find out more information on my loans, and they give me the run around. The are not clear on giving you information, they sound like robots, and since this is a sensitive subject for me, they are not kind. Also i asked if i can join certain payments together or i have no idea how they decide to separate my payments, so i am able to bring my principle down. I feel with navient my principle just goes up and up, and they only give me an A or B option. I know there is more that can be done, or at least know what my options really are so i feel that i am at least making a dent in my student loans. I have complained may times to navient, that they dont have enough options for me and all they say is sorry, this is all we offer. I dont think this is true cause i feel other people dont feel this way in other companies.
Consumer complaint received 2017-05-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (GA)

My loan was purchased b y Amerihome in   XXXX     2015   (  2 months after we purchased  )  our home. I unexpectedly lost my job  XXXX     2015.    As I struggled to make mortgage payments, I reached out to  Amerihome  for info on the loan modification program. I applied. It has been a run around since then. Here we are a year and half later and I 'm still trying to get a response on the loan modification results. They keep requesting that I send in hardship letters, I do send in all supporting documents via certified mail that requires a signature. The last I heard I was supposed to get a response by  XXXX   XXXX . I just got off the phone with them and they are telling me that my account is on freeze. But, even after speaking to th e manager by t he name of  XXXX  he ca n't tell me why. He told me it would take another  24- 48  hours to reach out to the underwriting department. This is ridiculous. They are assessing all sought of fees making it imposssible to really catch up and stay clear of foreclosure. Hence, the reason I applied for loan modification in the first place. This has been going on for too long. Almos t two yea rs now with no answer.
Consumer complaint received 2017-05-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

I have had problems with Ocwen for many years ( I filed previous complaints against them in past years through the CFPB ) and once again I am turning to the CFPB to help me.     I recently received a monthly statement that listed that I owed {$1300.00}. I paid this amount promptly. I then received a statement a few days later that stated I owed {$1700.00}, which reflected past due fees/other charges in the amount of {$450.00}. Once again, I quickly made the difference in payment that I paid previously to what was listed on the new statement. A few days later, I received yet another statement that stated I owed {$1600.00} due the next month which includes foreclosure costs and legal service fees. I can see how consumers could be forced into default due to the confusing and inaccurate servicing by Ocwen.     This loan was originated in  XXXX  of  XXXX  and to date, I have never been in foreclosure nor have I ever been late. I called Ocwens customer service and explained this and was told we would not list a foreclosure cost fee if the loan was not at one point in foreclosure.     I did file bankruptcy in  XXXX  of  XXXX  and recently completed my 60 month Chapter  XXXX . However as I mentioned above, I have always paid my mortgage ( even during my bankruptcy as my plan called for mortgage to be paid outside of bankruptcy ) and have never been late. Therefore there should not have been fees assessed due to the bankruptcy as I included the continued payment of my mortgage when my Chapter  XXXX  plan was filed and approved and at no point was my loan ever in default ( which would prompt a foreclosure cost or legal fee ).     I sent my payment to pay the full amount owed as I do not want to be in default or late, however I demand a refund of the {$450.00} foreclosure fee/legal filing services that I was charged.     Please help me obtain a refund of this unwarranted fee.     Thank you,  XXXX   XXXX
Consumer complaint received 2017-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

I just seen a collection from XXXX XXXX  collecting for a XXXX account which I have never had ever. This is wrong and I want it removed from my credit file. I did have identity thief back in 2006 and filed a police report I 'm hoping someone is not using my information again. I dispute this account as it does not belong to me and want it removed ASAP