davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-05
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NJ)

I have applied 3 times and denied 3 times for a loan modification. Each time, the process has taken 6-8 months. I have been working XXXX jobs to try and save my home. The last denial I was told that I made enough but was too far in the arrears. I have sold my house 3 times. 2 out of the 3 times the buyer has pulled out because the short sale process was taking way too long ( we are all aware that it is a longer process ). I truly believe that Ocwen drags out the process - at least in the loan mods - so that you get so far in the arrears, nothing can be done. You speak to a different agent each time. One agent ca n't seam to find documents another agent has received. They are constantly saying that they do n't have documents when we have proof they were sent ( ask my Realtor! ) and they wait for your next phone appointment to tell you what 's needed instead of sending an email beforehand so you can have what 's needed at the next phone appt. I could have been paying something for the last couple of years. My house needs some work which I wo n't do because of the short sale. It 's an emotional roller coaster for me because I have been in limbo forever. They assign you a " Relationship '' manager but you get them maybe 1 out of 7 phone calls.I have been to every NJ State agency, Senators, written to the White House but to no avail. Would n't some payment be better than nothing? This is not help.
Consumer complaint received 2022-09-08
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. (OH)

XXXX XXXX Bank said they issued me a credit card back in 2021. The card was sent to a XXXX address in XXXX Ohio XXXX But I never lived on XXXX XXXX in XXXX ohio. I called them in XXXX after checking my credit report and that's how I found out that XXXX XXXX Bank had issued a credit card using my information and the card had been used. They close the account after I called them and started a dispute but continue to red Flagg me through the three major credit reporting agencies. I never applied nor received the card and never lived on XXXX XXXX.
Consumer complaint received 2023-12-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SECURITY CREDIT SYSTEMS INC (NJ)

In 2021 the debt collector, Security Credit Systems Inc., aggressively and relentlessly called my phone number. When I answered, a man who refused to give his name, was extremely threatening - yelling and not allowing me to speak. He said I owed money to XXXX XXXX XXXX  which I attended under federal government-issued student loans only. When I asked for proof of the debt, which he alleged was over {$15000.00} at the time, he hung up on me. Two years later, with absolutely no contact from him, and with the college itself refusing to provide validation of the debt to me upon request, I noticed a collections account in excess of {$20000.00} on my credit reports- put there by Security Credit Systems Inc. Not only has the debt inexplicably increased by over {$5000.00}, the debt collector and original creditor will not provide validation of the debt, and yet manage to stain my credit report every year with no consequence. 

Similarly, when I contact the accounts department at XXXX XXXX, both a male and female staffer are extremely belittling, insulting and unhelpful simply stating that I owe the debt and not explaining, despite my federal student loans, why this debt is owed. They talked to me like I was stupid and were extremely insulting. Furthermore, the school asked me in writing to leave, for no reason, and yet are charging me for the entire semester. They were not interested in explaining the debt or reaching resolution, but instead exported the matter to an aggressive and threatening debt collector.
Consumer complaint received 2023-04-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: W&A Intermediate Co., LLC (TX)

The debt was sold. I had the same debt with another debt collector, and it was deleted and was sold to this collector. This is also against HIPAA violation of confidentiality by this being a medical debt collection.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX and Alleged Account XXXX XXXX, ], are not complete and accurate. 

I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number XXXX They not did send back send me anything back at all. 


And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Check attachment below.
Consumer complaint received 2023-12-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: World Omni Financial Corp. (FL)

XXXX XXXX XXXX added warranty and maintenance products to the loan I told them I did not want. The reimbursement check from the dealership was sent to southeast Toyota finance XXXXXXXX XXXX and has yet to be posted to my account. I have called multiple times and they say it is under investigation or is pending.
Consumer complaint received 2023-12-12
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (CA)

XX/XX/2023, I made a payment to Lowes and Synchrony Bank of {$250.00}. 
XX/XX/2023, an auto payment was taken out of my checking account for {$250.00}, this was not an approved withdrawal out of my account. I called on XX/XX/XXXX, to Lowes and tried to explain the issue that somehow, they withdrew {$250.00} out of my account, and they told me that it had not shown up on their system yet, and that it would take 15 days to refund my money. I then called my bank XXXX XXXX XXXX XXXX and asked them to look into the withdrawal. XXXX XXXX looked into the issue and refunded my money on XXXX. Lowes sent me a new statement On XXXX XXXX, stating that I owe them {$340.00}. Saying that I still owe the {$250.00} plus late fees. I called Lowes and they said that they sent me a refund check for {$250.00} on XXXX XXXX. I never received this check and asked Lowes to produce the check with my name on the back and said they did not have too. That I still owed them money. I never received the check nor did my wife whose name is on the account. I cancelled the account I the account is paid off but they still want money from me.
Consumer complaint received 2024-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (IL)

XXXX XX/XX/2023, while reconciling my checking account, I noticed the company Affirm had been deducting {$22.00} from my checking account for several months. I telephoned to company to inquire why. The representative I spoke with stated I made a purchase with XXXX that required an 18 month payment schedule. I stated to the rep I made no such purchase and ask the rep to provide me with an invoice or something to prove I made this purchase, nor have I received any billing statements from Affirm. The representative stated he could not provide any documentation. I contacted my bank to file a dispute and to stop these charges from being deducted from my account. Affirm is now calling me relentlessly and emailing threatening collection action along with reporting the debt to credit bureaus. I have spoken with representatives on several occasions asking them to proved me with an invoice. They all say they are unable to do so. This, apparently, is identity theft Affirm is unwilling to recognize and want to hold me responsible for.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've tired to fix this with transunion because the information they reporting does not BELONG TO ME. regarding national credit Aduit. I have attch my XXXX report my lease agreement between me an my pervious landlord years XXXX as well as my contract with government housing dated XXXX through XXXX 4 years at XXXXXXXX XXXX XXXX  XXXX I have right to ask that a consumer reporting agency block that information from your file. this identity thief has run up bills in your name and not pay them. i have provided the consumer reporting agency with proof of your identity and a copy of your identity theft report. 

regarding medical bill I have been on XXXX since XXXX. I called Texas health resources spoke with XXXX  in billing department she told me i have no outstanding balances with them. the information common wealth is reporting is fraud
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (GA)

I am reaching out because I have sent out dispute letters to these credit bureaus on these dates below : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 I have yet received any information stating if they have verified these accounts or if the account is accurate. Upon my FCRA rights they have violated those rights that I have requested a dispute investigation on these accounts. I have been waiting to long for these accounts to be investigated.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (GA)

I am reaching out because I have sent out dispute letters to these credit bureaus on these dates below : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 I have yet received any information stating if they have verified these accounts or if the account is accurate. Upon my FCRA rights they have violated those rights that I have requested a dispute investigation on these accounts. I have been waiting to long for these accounts to be investigated.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/ I was charged a transaction I put all the money in the account I was negative on Monday XXXX XXXX and I got charged a {$35.00} fee for XXXX XXXX I was negative for XXXX and this bank has the nerves to charge {$35.00} for being negative for XXXX this is why this bank is always getting sued I spoke to somebody yesterday and I explained to them that I hope I wasn't going to get charged or overdraft fee I got charged overdraft fee this bank is very very sad to charge {$35.00} for XXXX XXXX
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. XXXX XXXX XXXX XXXX This item was reflected as a late payment on my credit report in violation of Federal Law. Under FCRA you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2021-10-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was an authorized user on my then husbands BoA credit card. When we divorced in XXXX, in the divorce decree, he was given sole responsibility for that credit card account. He never removed me as an authorized user however, and even though I tried multiple times to call and be removed, because I was not the primary, they would not remove me. I could not get him to remove me, out of sheer laziness on his part. That cc account has since been paid off and closer, and archived by BoA. However, it continues to show up on XXXX credit Report with me as an authorized user, and bringing down my current credit score and preventing me from purchasing a home on my own. 
I was finally able to get my ex-husband to call BoA and ask to remove me, but the said account is as archived and no longer in their system so they couldnt do anything. I absolutely refuse to believe that by legal divorce decree I had no responsibility, but never had any power to remove myself, and now am stuck with it on my credit report, because my ex husband was lazy, and BoA refuses to step off their misogynistic and discriminatory banking practices and correct the situation by whatever means necessary.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

This Credit Card XXXX name XXXX XXXX XXXX continue to harass consumer by doing illegal events and tactics to disrupt other credit bureau agencies. I have made my points very clear before and have asked for XXXX XXXX XXXX XXXX XXXX Department over the months. They have not produced or provided me with such legal counsel office direct contact information. 

They are still doing illegal events and tactics with XXXX Credit Bureau and TransUnion in placing such negative information on my credit profile to cause issues in nature to my credit profile. 

XXXX XXXX XXXX and XXXX have had enough time to gather their evidence and send such to me through this forum or panel. 

Therefore with this complaint resubmitted and on the official and legal record both should be able to send me the written contract signed by me as well as any proof saying that something is wrong with my address, etc. 

I have disputed this once before with XXXX, XXXX XXXX XXXX, and XXXX for all three are in this together and all three should be able to produce such communication from the Internal Revenue Service and myself giving them authorization and my consent to be tampering with my credit profile. 

In response to this, I want their legal counsel information so that this legal matter can be taken to court to address these issues for this has gone too far. 

All three should be held liable for all attorney fees and court fees. 

I want a copy of all three credit bureau reports to be sent to me through this forum or panels as well and you to have my consent to produce and provide such to the Consumer Financial Protection Bureau before going into court regarding this legal matter of credit issues and character. 

XXXX has been paid and this account or issue is not in delinquency. 

I have too much proof and records to validate and support this complaint. It is all on the Consumer Financial Protection Bureau 's XXXX. 

They are in clear violation of the Federal Debt Collection Act under section See XXXX XXXX Code Chapter XXXX, should I say more here... 

CEASE AND DESIST and get off my personal information and off my credit profile for, I don't owe anyone anything. You owe me MY PROPER RECORDS under the exact PROPER RECORDS, I am demanding here. 

A credit card company is not entitled to get any of my income tax records or anything that I have not consented to. Show where I have consented to you to obtain any such official and legal records. You should have all the Department of Veteran Affairs records that I signed off on for you to get for your official and legal records. Where are they?
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VT)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-12-12
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Credit and Collections Inc. (NJ)

While checking my XXXX credit report, I noticed a collections account for {$5700.00} placed on my report by United Credit and Collections , Inc. This debt collector has NEVER contacted me about this debt. Had I not checked my credit report I would not even be aware of it. It was a debt that was allegedly incurred over 7 years ago, which is not only past Missouri 's five-year statute of limitations for collecting a debt, but also has never been validated, despite my written request for a validation letter to confirm the debt 's ownership, detailed breakdown and validity. It is negatively impacting my credit score and yet can not even be validated.
Consumer complaint received 2018-05-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

I applied for a conventional mortgage with Chase bank at XXXX XXXX XXXX XXXX, XXXX, FL in late XX/XX/XXXX and was told if I took an online XXXX XXXX XXXX course I would receive {$500.00} after my closing. The course was recommended by the branch 's lending manager, XXXX XXXX, and became a requirement for me to complete during the underwriting review process. I completed the course on XX/XX/XXXX and sent the completion certificate to my loan officer, XXXX XXXX, which was then provided to the underwriters. I closed on XX/XX/XXXX after a terribly stressful process with Chase staff. To this date I have not received the {$500.00}. 

On XX/XX/XXXX I sent a message via my Chase mortgage secure message center asking about the {$500.00} credit. The Home Finance Support team responded that they had no record of it. They said they would have to forward the matter to Home Resolution, although I have not received any notice that this was done or that Home Resolution is actively working on it. As it had been two weeks without any communication, I sent an email to XXXX XXXX and XXXX XXXX on XX/XX/XXXX for their assistance. XXXX XXXX responded that " the agreement was made directly with XXXX XXXX '' and that he was out of town until XX/XX/XXXX. On Monday, XX/XX/XXXX, I called XXXX XXXX 's cell phone and left a voicemail, which he did not respond to. On XX/XX/XXXX, XXXX XXXX responded to my second email with : " Since you sent your initial email to the escalation department I work through them for resolution. They will be reaching out to you with their findings and resolution to this matter. '' His response was disappointing as I felt he was not willing to help me resolve the issue and each Chase department seemed unable to do anything. I then sent an email to Chase Executive Director Home Lending, XXXX XXXX, to ask his assistance. XXXX XXXX responded and asked XXXX XXXX to respond with detailed facts, however, XXXX XXXX has not responded. I am still waiting for Chase to inform me as to what is being done to honor their {$500.00} offer. Furthermore, I do not want other prospective mortgage applicants to go through this same experience.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (MO)

Per the Fair Credit Reporting Act as a federally protected consumer, I am opting out, rescinding of any and all authorization. I the consumer may have given you ; written and unwritten, verbal and non-verbal per Gramm-Leach-Bliley Act of 1999 and 15 U.S. Code 6802.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Amsher Collection Services, Inc. (OH)

Hi my name is XXXX XXXX Somebody use my information on credit XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX I tried to dispute but they refused... 
It drawning my XXXX XXXX