davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (LA)

My mortgage insurance payment was due on XX/XX/2023, but Newrez, XXXX XXXX Shellpoint Mortgage didn't mail the payment until XX/XX/XXXX. They stated that they didn't received the renewal notice until XX/XX/XXXX. I received my renewal notice approximately XX/XX/XXXX or XX/XX/XXXX. They also stated they reach out to my agent XXXX XXXX at XXXX to get a physical address to mail the payment but didn't receive an answer. However, XXXX XXXX XXXX phone number XXXX is listed on the renewal notice. 
My agent mailed a letter dated XX/XX/XXXX stating the payment had not been received, but I was working out of town and didn't received until I returned home on XX/XX/XXXX. No one never reached out to me via phone regarding the matter, as mail can get caught up or lost frequently. The payment wasn't received by XXXX  XXXX  ( XXXX XXXX ) until XX/XX/XXXX resulting in my policy being cancelled. However, the check was cashed by XXXX XXXX  ( XXXX XXXX ). I received a check for the payment reimbursement dated XX/XX/XXXX. 
On XX/XX/XXXX, I reached out to Newrez, XXXX XXXX and XXXX XXXX but I was told by all agencies there is nothing that they can be done. XXXX XXXX has stop writing policies in my parish and state. Trying to get homeowners coverage in my area is like trying to find a needle in a haystack. 
I am being penalized for an error that is beyond my control. My question would be why are we ( consumers ) need an escrow account if payments are not going to be made on time and it ends up costing us more money. 
This is unfair on all levels and this type of practice needs to be swiftly dealt with. 
Thank you in advance for your help, it's greatly appreciated! 

Regards, XXXX XXXX
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I have been reaching out to calling sending letters to Equifax XXXX and XXXX about fraud on my account addresses that I have never lived at accounts that I have never done business with I even filed a report with identity theft.gov and got a recovery plan I contacted all the companies whom told me to send this to the credit Bureaus an I did no one sent me any documents but my request for the information to be removed was denied pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C. 1681i ). I sent all documents XX/XX/2023 they have not verified any information I demand these items be deleted Please note that accurate reporting is crucial for fair credit practices, and it is my right as a consumer to insist upon this. If these inaccuracies are not corrected, it could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages. Thank you
Consumer complaint received 2023-08-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Credit Bureaus are requesting proof of Identity even after receiving from the CFPB and the physical dispute that was mailed in.
Consumer complaint received 2018-04-13
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TN)

My loan was sold from XXXX XXXX several years ago to XXXX. I'm sure you are aware of XXXX XXXX  " problems ''. XXXX then sold my note to Ocwen Loan Servicing probably around XX/XX/XXXX I think. I have had problems with the ( Ocwen ) ever since. Right now, I am trying to modify my loan but as is practice with Ocwen they take their time and then start sending foreclosure notices. Over a year ago, they raised my mortgage payment with only three weeks notice. I know the loan is an ARM, but that was a little much. I told them I could not afford the payment, filled out the modification paperwork and they denied it because they were showing my income double what I was making. When I called their attention to it they refused to make the correction and told me I could make the payments. I did for almost a year but had to file a Chapter XXXX bankruptcy last XX/XX/XXXX due that reason and my credit was great. Not now. The bankruptcy was discharged in XX/XX/XXXX. I signed a reaffirmation with Ocwen that XX/XX/XXXX as that is how long it took to get them to furnish one. They never filed a proof of claim until the bankruptcy trustee filed a complaint against them. It took them almost six months to provide the proper documentation six months after the bankruptcy was discharged. During that time I lost my job inXX/XX/XXXXand started a new job in XX/XX/XXXXmaking almost {$600.00} less a month. I have been trying to get the loan modified since the beginning ofXX/XX/XXXXbut Ocwen could not do anything until the bankruptcy issue was taken care of. I do not know how they manage to stay in business. Anyway, as soon as the bankruptcy court stated they had a lien as a debt collector and not a mortgage company, then the " collection '' letters began. I am almost 3 months behind on my mortgage and this modification could have already been taken care of. I am still waiting to hear their decision. I feel trapped.

I would appreciate any input you might have. Thank you,
Consumer complaint received 2023-06-16
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: EQUIFAX, INC. (NC)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

During covid late payments was made on XXXX car loan and reported with all three Credit Branches. 
US CODE 1681s-2 Responsibilities of furnishers of information to consumer reporting agencys.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (VA)

I entered bank information on the chase website. I made a payment. My bank denied it. I got a letter from Chase saying the payment was still due, and late. In looking at the documents I saw that they used the routing number as the account number and on another document they had the account number wrong. I went to my bank and they showed me this document. I sent this info to Chase along with a letter from the bank stating that not only did they have the information wrong, but that it had also happened with other accounts. My concern fell on deaf ears so I opened a case with all three reporting agencies but only XXXX took it off.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

These credit bureaus are reporting this information incorrectly and frequently. This account was paid in full XXXX of 2020 with no late payments and I sold this vehicle to XXXX XXXX dealership in good standing. I will be attaching support evidence of my claim and XXXX asking that any derogatory marks and negative marks be removed from my credit report immediately.
Consumer complaint received 2023-10-13
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: EQUIFAX, INC. (TX)

I restart at least a dozen times directly to XXXX XXXX through phone calls emails and disputes through credit agencies and never once update corrected the record. The last dispute I sent out on the XXXX of last month magically was bounced back the exact same day and closed and said to be in verified when you look at their very own records and it literally shows during correct so they did not do the investigation as they said that's a complete 100 % lie as well on the part of Equifax they didn't do anything to make sure that they didn't investigation in fact they did anything but. This is two companies working together to be able to create money off of my back and I'm not going to have it anymore. Their own record reflects that are only owe {$1.00} left on this vehicle and I did that very specifically. Yet at the top it says I owe a XXXX  XXXX dollars. And that doesn't make sense with the chart you have literally right below it that shows I paid it down to {$1.00}. Also what is oat on the vehicle and then my payment amount is completely off why would I be making a {$300.00} payment when I only owe you guys according to you XXXX some dollars even though I only owe {$1.00} why would I pay over {$300.00} on either one of those amounts? There's also a month of missing information which just so happens to be the month I paid everything down to {$1.00} but then the record reflects from then on out my balance was {$1.00} but at the top it does not reflect the same and that's what they're trying to claim I owe when it's incorrect I want it removed immediately. The fact I have to go see and do the investigation and I see it on the very first page the very first second I look at it should be embarrassing for your company. I'm not even smart I'm not even that guy I'm a dumb person but that's clear as day to me and it just taking money from people When they don't have any.
Consumer complaint received 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY (NY)

In a claim under buyer protection for loss they without explanation denied via letter a portion of the claim for {$75.00} for engraving claiming it is excluded in the policy. However, this is a one-piece manufactured item and is not separately assembled or otherwise put together for an outside source. They are totally wrong in denying the {$75.00} portion of this claim. First rep call went dead and no one called me back. Second rep was clueless and transferred me to another rep. Third rep - I requested exact language for denial and she quoted a section # but couldn't answer my questions so I asked for specific denial in writing with specific section numbers where they were claiming the exclusion.
Consumer complaint received 2023-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AL)

Wells Fargo kept multiple deposits in pending for days, for no reason but according to my available balance they appeared to be then continued to send me overdraft notices. Called after the first one and tried to transfer funds within the same bank to cover their mistake but they assured me it was a glitch. Then my transfers within Wells Fargo were kept in pending too, which has never happened, and they sent another overdraft notice. This time the customer services reps were repeating the same things, that I already knew, over and over without helping me at all. When a bank starts to hold your money hostage for days and cant provide you with any comfort that it is safe and you arent going to be charged undeserved fees, that is when you no longer trust them with money. Ive been a customer for over a decade with no overdraft fees and this treatment is 100 % unacceptable.
Consumer complaint received 2024-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

For a while now, Ive communicated with Portfolio stating that the accounts their company has placed on my credit reports does not belong to me. I, also requested validation, that is competent evidence bearing my signature and I have been largely ignored.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was sent a pre approval for a capitol one cc I filled out received card and after XXXX purchases they put a restriction on card saying I had to validate identity. I sent in my government issued resident alien card. I called and was told by the supervisor it was rejected because they only accept state d.l. I am XXXX and do n't drive before agreeing to card I saw several times what I'd I needed and government issued I'd was one now they have my acct on hold and won't accept what they clearly have as acceptable on their website
Consumer complaint received 2023-10-23
Product: Credit 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: AMERICAN EXPRESS COMPANY (NY)

I filed dispute with Amex on XX/XX/XXXX ( XXXX ). On XX/XX/XXXX amex said after investigating my card was physically used at the XXXX XXXX XXXX. I was never at XXXX XXXX XXXX in the XXXX. This the location shown on the copy of the receipt that I requested. The receipt is dated XX/XX/2023 with a time XXXX. This would be XXXX. I was in my bed. There is no price per gallon or total gallons purchased. Amex email to me on XX/XX/XXXX shows the transaction date as XX/XX/2023. I was at a meeting and to bed afterwards. I to the best of my recollection one I received my new card from Amex destroyed the old one as instructed to do. 
Before the gas charge, the last time I used my card was on XX/XX/XXXX at the XXXX restaurant. I only carry a credit card if I am going to use it. Otherwise I leave at home. 
XX/XX/XXXX I contacted Amex again. XX/XX/XXXX they closed dispute " investigation closed due to incomplete setup ''. 
I have Been an Amex card member for more than 20 years. This is not justice.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

repeatedly disputed a collection account from an off campus student housing company, included all documentation for over a 18 months, As it was an apartment complex for students only, based on financial aid awards my dependent child was no longer a student, therefore ineligible for housing. 
The lease was not broken, there is no unlawful detainer or warrant in debt judgment as required by the State Law. 
The company changes the dates every dispute.
Consumer complaint received 2023-09-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (NC)

I was a victim of identity theft I sent copies of my identity theft report to the bank they denied my claim even though I haven't had or been given access to a debit card since XX/XX/2023 someone ordered and used a debit card linked to my checking account without my knowledge or permission I called the bank as soon as I gained knowledge of this situation they also took the money from my account without providing me written notice of the outcome of the dispute and that they were removing the credit from my account the dispute was closed on XX/XX/2023 and they took the money from my account the same day which is a violation of 12 cfr 1005.11 also I requested information " written explanation " documents that the institution relied on while making its determination and was denied my request another violation of 12 cfr 1005.11 ( d ) ( 1 ) this banking institution has violated my rights and charged me for fraud that they can not prove I do not have a debit card with them and I refuse to pay for identity theft
Consumer complaint received 2024-06-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MN)

I have received a full discharge of my federal student loans for attending XXXX XXXX XXXX MN because of school misconduct through Borrower Defense. 
My private loans were held with Navient for 20 years with Navient and with NaviRefi for the past year. 
NaviRefi is owned by Navient and will not provide a School Misconduct Discharge Application.
Consumer complaint received 2022-12-20
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: Blackhawk Network Holdings Inc. (CA)

I ordered 3 {$200.00} visa gift cards from XXXX on XX/XX/2022. I received the brown envelope ripped open on XX/XX/2022. All the gift cards were stolen during the transit. I immediately notified XXXX on the incident and was given case XXXX. They told me they would cancel the order and issue refund. On XX/XX/2022, my refund was declined.
Consumer complaint received 2018-04-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc. (FL)

This is the second complaint I have had to file against Optimum Outcomes. I requested debt validation as well as a signed HIPAA release form regarding an account that popped up on my credit report that I had no knowledge of and did not receive a response. A certified letter was sent on XX/XX/XXXX to Optimum Outcomes XXXX XXXX XXXX # XXXX XXXX XXXX, IL, XXXX. In the original response from the company in the complaint they stated I never mailed them a letter- please see the attached receipt of certified us postal mail with the correct address. 
On XX/XX/XXXX the company sent me a letter in response to my complaint on XX/XX/XXXX stating they have reviewed my account and it is valid without sending any proof other than a reference number, balance, date of service and provider. I requested legal proof of the debt as I dont know where it came from. By law in the fair credit reporting act the company must provide either a breakdown of charges or something with my signature and they failed to produce either within the legal allowed time. It has now been nearly 90 days and still no validation or follow up from my certified letter. The company is in violation of my legal rights to have information fairly reported on my credit report. Please see the attached documents.
Consumer complaint received 2018-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services (CA)

I became aware when I checked my credit report that this debt collector under the name of SEQUOIA FINANCIAL SERVICES , INC has reported incorrect information that I owe the amount {$400.00}, I have sent a notice of state and federal validation of debt.
Consumer complaint received 2023-06-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case