davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (HI)

Hello! 

Re : Lender XXXX XXXX formerly XXXX XXXX Loan # XXXX I am writing you this letter of complaint in respond to the recent letter received from OCWEN under CFPB Case # : XXXX. 

After a careful review of the said letter, I realized that the bank that I should need to question should be XXXX XXXX. 

The moment I read the copy of the Fixed/Adjustable Rate Notice, I/we ( my husband ) were in total shocked! 

I recall XXXX calling us all the time and later convinced us to sign up for a great fixed second mortgage loan in which we later on decided to it with payments of at least {$600.00} or so each month. 

However, it was only agreed based on a fixed rate, not adjustable or it will not be entertained - for both 1st and 2nd mortgage. There was no way for any lenders to convince us on switching our fixed rate into adjustable, period! Otherwise, we believe the letter is not true! 

Also, Id like to know the previous name of the lender with the loan # before XXXX took over as I believe that our original interest rate was roughly 4.5-4.99 % fixed for 30 years ( home mortgage loan ). 

We acknowledge the signatures, but we have not seen this letter nor would have signed/approved for it! 

Again, we purchased our house at {$210000.00} in the year of XXXX. 

The letter from XXXX Bank was dated back in XX/XX/XXXX. Therefore, we would like to request them to send us all copies on how they came up with the {$340000.00} from the original/initial purchase at {$210000.00}, that is a difference of {$120000.00} plus the second mortgage loan of at least $ 60K or so? 

So my questions is, where did the money go? We didnt we see any money that was issued or deposited to our bank for over $ 100k? I need to see a deposit amounting the difference, copies of the checks and what bank it was deposited to? So we would like to know how they have acquired the amount of {$340000.00}, plus the second mortgage? That is a lot of money for us to borrow and why would we need that in the first place? 

Now, we need to see all the breakdown and calculations for both 1st and second mortgage, including : 1. 1st and 2nd mortgage payment LEDGERS, 2. Bank name we use to pay the 1st and 2nd mortgage so we can check them against our our bank for facts and proof. 
3. Copies of all loaned money showing the check # and which back it was cleared under? 
4. Full detail explaining on how the total from@XXXX went up to {$340000.00} in addition to the 2nd loan mortgage??? 
5. And all other facts proof of all the entire calculations from day one since you took over! 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not being reported correctly there is a XXXX balance. We are trying to purchase a home and need all My credit reported correctly. My score needs to reflect the correct information
Consumer complaint received 2023-01-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: American Credit Acceptance, LLC (MN)

I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX on XX/XX/XXXX Installment Sales Contract was executed form American Credit Acceptance LLC for XXXX i have made XXXX payments of XXXX totaling to XXXX and a down payment of XXXX I looking over my contract I realized the contract was fraud and i am over paying on a used truck and they were in violation of 15 USC 1601 truth and lending incorrect disclosures 15 USC 1605 Determination of finance charge I was not required to put down a deposit which I did XXXX as 15 USC 1635 I was never informed my right to Rescission and that's just some of the violation I have sent certified letters to American credit Acceptance CEO and AlsXXXX XXXX XXXX XXXX informing them of these violations and laws that they have broken and I have not gotten a responds.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (VA)

A payment was deposited to my acct on XX/XX/XXXX for a business transaction and Chase bank has frozen my " entire '' acct funds which exceeds the check amount causing business financial problems. Instead of holding the cashiers check they froze my acct. I can not pay my employees or run my restaurant business. It will close
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-11-14
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. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-14
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. (IA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

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
Consumer complaint received 2021-05-19
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)

There are two XXXX accounts reporting on XXXX and XXXX that are not mine. I was not liable on either account and was only an authorized user. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.
Consumer complaint received 2023-11-14
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I lived in an XXXX XXXX XXXX XXXX  Apartment for 3 years. All 36 rental payments were submitted on time. After I moved out they submitted a disputed amount, without contacting me at my then-current address, to a collection agency. The matter has been resolved with the agency - which never reported the account to any credit bureau/agency and which processed this payment before a bill was mailed - however XXXX ( Corporate Address : XXXX XXXX XXXX XXXX XXXX XXXX  IL XXXX  ) did not remove the disputed information from my Trans Union credit report. Instead they changed the status to Account paid in full ; was a Collection. The account should be reflected as closed onXX/XX/2018, the date closed is XX/XX/2018, instead it reflects an " Open Account '' status and a collection in XX/XX/2018. This one report from XXXX XXXX  has taken my credit score from XXXX ( high ) to XXXX ( current ) in less than 60 days. If my credit had not already been exceptional, this would be a devastating and highly punitive action. I hope that the reason that XXXX is not removing this information is not due to my complaints about toxic mold and a large hole in the ceiling during my move out inspection. I have now contacted attorneys about their failure to return my deposit, despite extensive pre-existing damage to the apartment.
Consumer complaint received 2023-11-14
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: Experian Information Solutions Inc. (CA)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
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
Consumer complaint received 2023-11-14
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: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-14
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: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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
Consumer complaint received 2023-11-14
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. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

My mortgage initiated with XXXX XXXX XXXX than transferred to XXXX XXXX XXXX. My last payment on the mortgage account was with XXXX XXXX XXXXXXXX in XX/XX/XXXX, no further payments was made on the mortgage account. No payments from XXXX XXXX-present date. Seven years for the delinquent status on the mortgage account would have matured in XX/XX/XXXX. XXXX XXXX XXXX or Experian are been fraudulent reporting information and or investigations because the information has been removed from both XXXX  and XXXX XXXX. In addition Experian also conducted another investigation on my credit report which was resolved by XXXX  and XXXX XXXX by removing from my credit report because the creditors ( XXXX XXXX XXXX ) said that it was an error reported on there behalf and Experian refused to remove.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2019-11-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Transunion are reporting incorrectly that I am ( 30 60 ) days late on the XXXX/XXXX  partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove these items however, I have not been successful.
Consumer complaint received 2018-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NY)

I have made payment every month well over my minimum payment. I have Never missed a payment and I have never been late. I always make the payment on or around the same day every month. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I made my last payment on XX/XX/XXXX. Less than XXXX weeks later on the XXXX ( unknown to me ) American Express requests another payment. By the time I realized they were requesting a payment sooner than a month it was XX/XX/19 I was notified I was XXXX days late and my card was on hold. I was confused why I was XXXX days late on XX/XX/19 when I had made a payment beyond my minimum on XX/XX/19 exactly a month earlier. I called their customer service several times and messaged them on XXXX but I was never able to get an explanation why I would be considered late on the XXXX if I paid XXXX weeks earlier. To this date still no explanation. Seems like they are unfairly asking me to pay sooner than I pay every month. Again I pay the same day every month and I always pay well beyond the minimum payment. Please help this cant be legal.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAINE & WEINER COMPANY, INC. (NV)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.
Consumer complaint received 2023-11-14
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: Experian Information Solutions Inc. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2018-11-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

I was affected by hurricane Matthew, Irma, and Michael. While with the previous servicer XXXX during hurricane Irma I was  placed on a disaster forbearance and protection. After the disaster I was in review for a loan modification and I was service transferred to Rushmore loans. On XXXX XXXX I submitted a loan modification application to Rushmore loans.  We were then affected by Hurricane Michael and FEMA declared on XX/XX/2018. This disrupted my request for mortgage assistance. On XX/XX/2018 I sent a new application and at that time there was no foreclosure sale date. During the hurricane recovery I was dealing with health issues as I am a XXXX XXXX XXXX XXXXXXXX XXXX veteran who did 2 XXXX in XXXX and sustained XXXX XXXX XXXX. 

By the time I was able to call back on XX/XX/18 Rushmore loans told me they were not going to review me due to the foreclosure sale date being set for XX/XX/18. 

I disagree for two reasons : First I should be on a hurricane relief status and have foreclosure protection for 90 days from the date of the disaster. Second there should be an exception for them to review what I sent since I was affected by the hurricane.
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Onity Group Inc. (NY)

My mortgage initiated with XXXX XXXX XXXX than transferred to Ocwen Loan Servicing. My last payment on the mortgage account was with XXXX XXXX XXXX in XX/XX/XXXX, no further payments was made on the mortgage account. No payments from XXXX XXXX-present date. Seven years for the delinquent status on the mortgage account would have matured in XX/XX/XXXX. Ocwen Loan Servicing or XXXX are been fraudulent reporting information and or investigations because the information has been removed from both XXXX and XXXX XXXX. In addition XXXX also conducted another investigation on my credit report which was resolved by XXXX and XXXX XXXX by removing from my credit report because the creditors ( Child Support Service ) said that it was an error reported on there behalf and XXXX refused to remove.
Consumer complaint received 2023-11-14
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: Experian Information Solutions Inc. (FL)

this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2023-11-14
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. (CA)

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

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 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