davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (CO)

I make all my payments online through my bank account. All of my credit cards are set up this way. I received my Fortuva credit card in XXXX. I made my first payment on XX/XX/2021. The payment showed processes and then reversed the same day. I called my bank first to see if there was a problem on the bank end. The representative I spoke to said that the charge never came through. I went on to my Fortiva account to make sure I did not make a error when entering my bank account information. All information was correct. I called Fortiva and they said they are unable to tell me why it was reversed., bit I was then charged a {$40.00} late fee. I made my next payment in the same fashion. I assured all information was correct. I submitted the payment to be paid on XX/XX/2021. The payment was processed and then reversed. I went through the same process as before. I called my bank and they let me know that the payment never came through the bank. The representing told me that it would show if they kicked back the payment or denied payment. I called Fortiva again and was told that they could not tell me why it was reversed, but again charged me a {$40.00} late fee. The representative said that I could make the payment over the phone and they would waive the fee for paying through the customer service. I have verified and reversed all my banking information and it was all correct in their system. The payment I made over the phone processed right away through my bank. I asked for them to reverse the late fees since there is something wrong on their end and I was told they are unable to do that. I believe they reverse payments on purpose to collect the late fees. Like I said all my other cards are set up the same way and I have never had a problem with my payments. I have closed my account with Fortiva credit.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

RE : Notice to Correct Credit Report Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Item Number Company Name Account Number Comments 1.

2.

3.

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

Sincerely, Under the Fair Credit Reporting Act ( FCRA ), you have the right to request that inaccurate or incomplete information be removed from your credit report.

Here are some LAWS! 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2018-02-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

I had called about a loan deferral on XX/XX/XXXX. I was current in XXXX and was requesting a 2 month deferral. That would be XXXX and XXXX being deferred. The deferral was rejected when I paid XXXX mortgage. This is unfair as the customer service representative on a prior dispute admitted we were discussing a 2 month deferment.
Consumer complaint received 2023-05-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

We became in default when layed off during covid, then again when hospitalized with covid. Then had a car wreck and out for a long time due to injury. Contacted PHH Mortgage Servicing & tried to apply for mortgage help programs but was rejected for all. All the while PHH ( proven crooks ) kept adding fees ( not late fees ) to mortgage. XXXX XXXX XXXX said they could get better interest rate and use govt programs and help us renegotiate payment amts and get back in control. Sent ALL home files to them ( they even paid shipping, made copies and sent us copies back ), they kept in touch and we made payment to them ( just like when had to file bankruptcy for same added fees and job loss ), we sent them pmts for 6 months or more, then they tried for quite a while to get in touch with them. Never heard ANYTHING WHATSOEVER from Mortgage servicing so figured all was still on track or else we would have received statements of pmts due, but never received one statement from PHH, never received notice of being behind in pmts, then went straight to foreclosure. Completely unfair. They refused to help when behind, even though govt programs existed. Have lived in this home for 25 years. They don't send notices or statements but just right to foreclosure. And tried to get help, company seemed completely legit. PLEASE HELP ME KEEP FAMILY HOME AND MAKE PHH/OCWEN QUIT STEALING AND FRAUDING PEOPLE. Also filing with Tx Attorney General XXXX case XXXX
Consumer complaint received 2018-02-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (PA)

I got a foreclosure letter in the mail, states, that I was behind on my mortgage and it's up for sheriff sale on XX/XX/XXXX. I called the mortgage Bank company to see what can be worked out before XX/XX/XXXX of the sheriff sale, the mortgage company told me I can try to work out a modification or either a short sale. I then called a realtor to see if they could sale my property, the realtor said they would reach out to some potential buyer 's that they knew might be interested in my property, the realtor reached out and got a respond back, of interest for my property with a offer. which then the realtor called me roll playing the offer and I agreed they follow up by sending me the documentation of agreement to sign, I then signed it and gave back to the realtor for the interest buyer, to get the ball rolling '' to sale ''. the realtor gather up the signed document of the agreement and contract, they send it off to the mortgage company bank to close the deal and the mortgage company bank rejected the sale and reply denied on accountability that it was to close to the sheriff sale date and they will see me in court on XX/XX/XXXX, I was clueless and the realtor was too.
Consumer complaint received 2020-08-17
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. (FL)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2023-02-15
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

We are behind on payments due to forbearance period, we want to pay it over long term, mortgage company give us one option to pay back {$39000.00} over 6 month period plus regular mortgage monthly which comes to about XXXX a month which is unreasonable and cruel to us. We would like to make our regular monthly plus a reasonable amount over long period.
Consumer complaint received 2017-03-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: TENET HEALTHCARE CORPORATION (CA)

Hello. The problem I 'm experiencing is with Central Financial Control d.b.a. Syndicated Office Systems. I contacted C.F.C. and paid the debts that they showed ; however, XXXX is showing debts that S.O.S. has and they have not contacted me ; I 've called the phone number they have on available websites and they did not have those debts listed in their records for me to pay. I have no doubt that these are my debts, but I can not make a payment to/pay off a debt that I no one will give me any way to do so. I have noticed that there a quite a lot of people making complaints that they are having the same problem. I WANT to pay these debts! I want them removed from my credit report! But I can not do so if I have no way of contacting them. Thank you
Consumer complaint received 2018-03-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (IL)

I have been trying to get a modification on my home loan from Nationstar/Mr. Cooper sinceXX/XX/XXXX. Each time I call to see if the documentation has been received I am told to send it in again, that they have not received it. I have attached with this complaint, the last four letters received from Mr. Cooper. The requested information on the letter datedXX/XX/XXXX which is the current lease agreements for the two apartments I rent in my building, plus the mortgage statement for the other rental property at another address. All I am trying to do is get a modification on the building I have lived in for over 13 years now. The original loan documents as well as the papers where servicing of my loan has been transferred on several occasions, to different servicing companies has still not been provided to me as requested years/months ago. I have also included with this complaint each email I have sent in, that included the documents requested from the loan modification department, since XX/XX/XXXX, along with a Comparative Market Analysis of my area as well. I just want a fair modification on my loan, as I have been paying the high mortgage payment amount each month. The documentation I am uploading on their website along with the emails I have continuously sent in, as well as the packages I have mailed in seem to keep disappearing or not getting to the company. I have also provided the two receipts from the post office indicating I did send documentation to Mr. Cooper as well, on at lease two separate occasions. So I have no choice but to sentd this complaint to the XXXX, CFPB, as well as Mr. Coopers corporate office, complaint office and the loan modification department to receive some assistance with this matter. All I want is a fair modification on this loan and acknowledgment that I have been sending in the requested documents for months. Thanking you in advance for your assistance in this matter.
Consumer complaint received 2017-05-15
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: EQUIFAX, INC. (MD)

Numerous letters sent to Equifax regarding unauthorized inquires reporting on Credit report. Letters sent starting  XXXX   XXXX  with last letter being sent  XXXX   XXXX , also Fraud alert has been placed on credit report.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am writing to follow up my previous dispute about certain information on my credit report that I believe is inaccurate and does not reflect my true financial history. I have carefully reviewed my credit report, and I have identified the following discrepancies. I ATTACHED THE LETTER ALONG WITH THE FTC AFFIDAVIT.
Consumer complaint received 2022-11-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (GA)

We closed on our home XX/XX/2022 and the payment was disbursed to PHH mortgage in the amount they stated was due. Afterwards, they changed the amount they say they are owed and still can not tell us what is owed to clear the loan. In the meantime they have strung us along with no answers and have damaged my credit reporting about a loan that had the money sent to them and we do not own.
Consumer complaint received 2023-05-16
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2018-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (MA)

XX/XX/XXXX XXXX XXXX sold our loan to Mr Cooper XX/XX/XXXX we paid off the mortgage to Mr Cooper and we received a Paid In Full letter and the release of our lien. We were told the escrow would be sent. 
XX/XX/XXXX spoke to XXXX XXXX. ( ext. XXXX ) She said escrow had been sent, but she would re-send it because I hadn't received it. 
XX/XX/XXXX spoke to XXXX XXXX. ( ext,XXXX ) She said the escrow would be re-sent. 
XX/XX/XXXX spoke to XXXX. He said the escrow would not be re-sent. I should wait. 
XX/XX/XXXX spoke to XXXX. She said the escrow would be re-sent. 
I have not received any mail, notice, check, anything from Mr Cooper since XX/XX/XXXX
Consumer complaint received 2017-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

XXXX   XXXX   XXXX   has added   XXXX   collections in my account for the 3rd time. I have not been to the emergency room at all. This issue was resolved years ago and i also sent information in verifying this was not me. Now here we are again they sold the debt to COMMON WEALTH FINANCIAL.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2017-03-31
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (AZ)

I had this Costco XXXX card for more than a decade. Nice wonderful card. Last year the card was converted to Citi Visa card. They messed up from day one. Messed my first and last name. I have to do follow up and get it fixed. Now it 's the annual reward statement during month of XX/XX/2017. I did n't received it - every time they will just send the statement but not this reward certificate. I have to follow up multiple times and asked them if they can directly credit my credit card but not ready for that also. It 's total waste of time and efforts. Is Costco/Citi paying me interest of 25 % on this money because of this delay?
Consumer complaint received 2022-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

I have a report that i owe this apartment complex i never stayed there nor have i have visited i have always stayed in nc I'm not sure if this a mistake of identity of identity theft but please fix it i also filed with the XXXX  but no one has responded
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2023-06-05
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. (GA)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX account number : XXXX, XXXX account number : XXXX, XXXX account number : XXXX, XXXX  account XXXX, XXXX  XXXX account number : XXXX, XXXX XXXX account number : XXXX, XXXX XXXX In accordance with the fair debt collection practices act. Debt collectors are not allowed to communicate with me under the 15 usc 1692c.

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.
Consumer complaint received 2018-04-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

I am very frustrated with mr copper/nation star. This is the second situation where they have provided me with the incorrect monthly mortgage amount and as a result my escrow account has become short and I am stuck dealing with the consequences. I have called Mr.Cooper numerous to resolve this matter and they have yet to come up with a solution or take fault. As of result of their mistake my monthly mortgage payment has increased by 200+. This is an unexpected bill and I really think this very unfair that I have to deal with this. Please advise what can be done to resolve this matter.
Consumer complaint received 2017-11-24
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: EQUIFAX, INC. (GA)

I filed a complaint initially regarding a vehicle that was falsely reported on my report. The Bureau removed the car and not the inquiries that I did not authorize. Equifax refuses to update and correct the problem.
Consumer complaint received 2023-07-05
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. (IL)

we informed XXXX XXXX this was a fraudulent account with no result, I sent information to the credit bureaus letting then know this was id, theft with no response. I sent a validation letter and keep getting verified with no explanation.
Consumer complaint received 2023-06-05
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: Bread Financial Holdings, Inc. (TX)

Hard inquiry notifications on my credit report. 
on XX/XX/2023, I received several notifications via email from XXXX for hard inquiries on my credit report. I logged in to XXXX to see what hard inquiry I had and didn't initiate any of the 4.

1 was XXXX- XXXX XXXX was XXXX XXXX with no contact company information. 
1 was XXXX XXXX XXXX 1 was XXXX  XXXX XXXX XXXX