davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

Greetings. We can furnish dates and/or documentation for all of the following events. 
Our Mortgage Servicer, Ocwen, transferred our loan PHH ( aka, XXXX ), their subsidiary, in XXXX. Communication was an issue with Ocwen, and with PHH its much worse. We received several letters from Ocwen in XXXX stating that the {$5000.00} HAMP incentive would be applied to us around XXXX XXXX for keeping our mortgage 90 days current or better. We attached a copy of XXXX letter. We thought this was late to apply but we were ok with it. In XXXX we fell 2 or possibly 3 payments behind and around XXXX asked for hardship assistance, After sending all requested documents 3 times, in XXXX PHH still demands more. 
After being told in XXXX XXXX by the Servicer Rep on a phone call that our account was only 1 month behind, we had satisfied the Incentive requirements. We verified this online. 
However, in XXXX, we received a Recast Offer letter, and the table provided in it states that we will pay {$13000.00} MORE in interest if we recast our loan beginning in XXXX, with the {$5000.00} Incentive. Our payments would be lower, but our interest wouldnt. 
We researched a little. In the makinghomeaffordable.gov site, it is shown that we could earn up to {$10000.00} in principal reduction after 6 years by keeping payments current. IN XXXX, and theXXXX it is stated that Recasting will actually LOWER our total interest paid over the life of the loan. We would definitely prefer to lower our interest paid, even if it does not lower our monthly payments. We emailed all this to PHH on XXXX and on XX/XX/XXXX they replied that their offer was final. 
In fact, for years we have been paying up to {$75.00} extra in our monthly payments to get ahead of the interest curb and We have proof. 
Also, our minimum monthly payment increased this year.
Consumer complaint received 2023-12-28
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Consumer complaint received 2022-01-29
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: Experian Information Solutions Inc. (GA)

I've sent in multiple disputes to Experian regarding account requesting in compliance with this method of investigation request, to provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

After 4 attempts XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. A Copy of the letters are attached.
Consumer complaint received 2024-02-23
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. (NJ)

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX -- {$760.00} REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Consumer complaint received 2022-12-27
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. (FL)

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-27
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: Spring Oaks Capital, LLC (NY)

I am not liable for this debt with XXXX XXXX  and do not have a contract with Spring Oaks Capita Account # XXXX They do not provide me with a validation of the debt. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Consumer complaint received 2020-01-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: AMERICAN HONDA FINANCE CORP (IL)

We were buying a new XXXX XXXX from XXXX XXXX in XXXX XXXX IL on XX/XX/2019. 
We paid {$2500.00} by credit card and {$15000.00} in check and did a {$20000.00} joint loan by my wife and me. We both provided our social and driver licenses at the loan application, the finance manager XXXX showed our pulled summary credit reports. And we were told the loan is approved. 

Then on XX/XX/XXXX, XXXX Honda/XXXX/Sales person is asking me for a copy of my wife 's social security card/visa which I declined to provide since the loan is already approved. More importantly, my wife and I have all provided the same information and we are in the same immigration status. They only specifically ask her documents. I think Honda/Honda Financial is discriminating against wife either by her gender or age which is against the lending law/consumer protection law. 

And on XX/XX/XXXX, the financial manager XXXX left me a voice mail ( which I could provide if needed ) threatening me to have to provide the documentation by end of day or I have to bring the card back. I think the lending practice by honda financial is fundamentally based on harassing which is totally wrong. They should be punished by this kind of wrong doing.
Consumer complaint received 2024-02-23
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. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-27
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. (WI)

In accordance with the Fair Credit Reporting Act XXXX, these accounts below have violated my rights. 

Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. Stated I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency furnish a account without written instructions
Consumer complaint received 2024-02-23
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: Experian Information Solutions Inc. (NY)

Hello My issue has been with my Experian account getting compromised twice since I had my personal info stolen and became a victim of identity fraud. I had no issues with disputing fraud however it has been frustrating that thieves with my personal info can gain access of my Experian account to unfreeze my credit despite having an uncompromised email ( ID ) and password which were freshly made. This was confirmed by a rep who told me my account was accessed on a day I hadn't accessed it previously. And I still continue to get emails notifications of someone trying to recover my username through my email. The thieves are clearly using Experian as part of their tactic to steal people 's credit. 

There are easy measures that can be taken to increase security for example the industry standard of having a verbal password or pin. I would recommend being able to prevent unfreezing credit on Experian website through something like this as well. We could also confirm identity by verifying the phone number of the caller. However if the customer fails all of these verifications then the fail safe verification must be more secure not less than these previous tests. But that is where I have an issue because the advanced security questions are not that difficult to randomly guess, and if we imagine the network of thieves to be large then they have a large n ( number of potential victims ) to brute force these questions. 

I'd be happy to discuss further if u wish I can be reached at XXXX
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I have XXXX accounts with XXXX XXXX XXXX XXXX  pay history. I was wrongfully terminated which XXXX found to be in my favor. The XXXX  I lost my job XXXX contacted all of my financial institutions and requested removal of all ach and automatic payments to manage more hands on. No accounts were past due at this point. It's been a nightmare since. I set up pay plan w>the XXXX XXXXXXXX. I asked to not be reported and I was protecting my pay history. The agent said no problem. XXXX separate payments on XXXX separate accounts was to get me into the XXXX XXXX. with full access to all accounts. XXXX payment in XXXX XXXX XXXX All minimum payments to get me through until my XXXX  was approved. I am still waiting on XXXX XXXX XXXX. I receive my XXXX XXXXXXXX XXXX XXXX sometime beginning XX/XX/22. since. I made first XXXX agreed payments a XXXX XXXX early last payment was to be XXXX XXXX early. That's when I checked my XXXX report and my XXXX XXXX dropped XXXX and my acct. delinquent for non payment. I contacted them they said they had no record of a hardship pay plan. or any notes attached to my account. So I said okay let 's set XXXX up. Regardless of my situation and me telling them I have no money coming in they force you to agree to next XXXX XXXX payment which automatically puts you behind and locks your account. The late fees put my account over drawn I was charged the maximum more than once in a billing cycle. and this was XXXX XXXX before It was due. Not my inability to pay or lack of due diligence. There is much more. this is but XXXX of my many disputes for fase reporting, improper record keeping, discrimination, and removal of card rewards and incentives when account is still in good standing. I want my name published on here. I've been XXXX and left destitute after pleading for XXXX over conditions that are out of my control. ach merchants have a access number to my accounts that I nor XXXX XXXX have access to. Which means I don't have full control over my account Neither does XXXX XXXXXXXX. That alone removes my responsibility of debt. And no where in any agreement is that displayed in laments terms or verbally addressed for the consumer. When I asked for that number from XXXX XXXXXXXX they got defensive and aggressive. and illegally altered accounts and charges and fraud disputes that has left me alone moneyless during holidays and Over XXXX XXXX of sitting on phone and being transferred. When my accts we're in good standing I was treated with dignity and respect. When they were not ( no fault of my own ) and I was able to prove it was not my fault but in fact their mistake. I've been transferred, yelled at, hung up on and treated different even laughed at as they were hanging up on me. every call says its recorded yet they say there are no records or notes. please attach my name to any publishings I'm ready to go all the way with this. enough is enough.
Consumer complaint received 2020-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I have filed numerous disputes about collection agencies claiming that I owe them money when there is no agreement between me and them to pay any debts. These collections accounts were removed by Experian about three weeks ago, but then Experian put them back on my credit report about two weeks later and, as a direct result, I have been denied two car loans.I do not owe these collection agencies any money and no judgment by any coompetent court having jurisdiction has ever rendered any judgment against me for any closed accounts debts.
Consumer complaint received 2022-11-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

on XX/XX/XXXX money was transferred to my fraudulent account. 
I have been a customer Bank Of America for over 24 years my account was compromised a couple months ago instead of the bank closing a compromised account they told me to open up another individual personal account that is not linked to continue banking with them unfortunately the bank decides to go into my independent account and withdraw transfer money to the fraudulent to satisfy the fraudulent account they are not willing to help me I need help desperately. 
Warm regards.
Consumer complaint received 2020-01-09
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. (TX)

THE ACCOUNT FOR XXXX XXXX XXXX STILL REMAINS ON MY CREDIT REPORT. THE ACCOUNT NUMBER IS : XXXX. THIS ACCOUNT MANAGED TO GET REMOVED OFF OF XXXX, YET EXPERIAN NOR XXXX HAS DONE ANYTHING ABOUT THIS MATTER. I KNOW THAT I HAVE EVERY RIGHT TO DISPUTE ANY NEGATIVE INFO ON MY CREDIT REPORTS AS PER MY KNOWLEDGE.AS PER THE FCRA, ACCOUNTS ARE SUPPOSED TO GET REMOVED AS LONG AS THEY'RE NOT VERIFIABLE, ACCURATE, NOR COMPLETE.
Consumer complaint received 2020-01-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On Wednesday XX/XX/2020, I attempted to log onto my Bank of America App to check my balance. There was an error message saying that I was not eligible for online banking and gave me a number to call. ( XXXX ). I called and was told that my bank account was in the closure process and that I would not be able to access my funds. I stated that there was no notice sent to me and was told that per the deposit agreement, they were not required to give me notice but that a letter had been sent that same day. I was told the they would send me a cashier 's check with any money that I had in the bank but that may take a month to process. I was told that if they submitted an exception request I may be able to pick up the money at a local branch but it would take at least 5 days to process and there was no guarantee. Because I was not sure if this was legitimate, I refused to provide information and stated that I would go to a branch to speak with someone. This morning, Thursday XXXX, 2020, I went into a local branch. on XXXX XXXX XXXX XXXX, NC. I first spoke with a teller who told me that the number that I called was not the correct department. She provided another number XXXX. I stepped outside of the bank and called and was basically told the same thing. I explained that all of my accounts were tied to the BOA account and that I had bills that would become past due because I was not able to access my money. I also have expenses that I handle for my mother such as medications and insurance. He stated there was nothing he could do. I went back into the bank and spoke with one of the Bankers. She printed my transactions and neither of us saw anything out of the ordinary. So, she called for me. She explained the situation, they would not give an explanation but stated that they would lift the restriction so that I could withdraw the money that I currently had in the account. I was also told that I would not be able to bank with BOA again. My account has remained in good standing since it was opened. I have been with BOA for several years. My concern is that there is something erroneous or some type of fraud on my records that would hinder me from opening another account. I now have to remove this bank account from all of my accounts so that I do not receive fees for returned payments. I also have to try to open another account so that my payroll check can be direct deposited or cashed on the XXXX of the month. I understand that BOA is allowed to make business decisions as they see fit but, doing so without notice and without explanation causes undue stress/emotional distress and could potentially ruin a person financially. I have not received a letter and was told that if I did, It may not contain a reason for closure.
Consumer complaint received 2022-01-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MO)

I have been paying on this Navient loan since XX/XX/XXXX and the amount hasn't changed at all. This Navient loan started in the amount of {$19000.00}. Through the life of this loan, I have made payments in the amount of {$36000.00}. On the web site they don't give you an option to pay on the principal only. Therefore, I can not pay off this loan. I have asked to settle this loan and they will not settle. 
Here are the current totals as of XX/XX/XXXX. 
Original principal {$19000.00} Adjustment Total = {$600.00} capitalized interest = {$0.00} disbursement = {$28000.00} disbursement fee XXXX forbearance payment = XXXX Late fee XXXX Payment = XXXX Repayment Fee = XXXX Resale XXXX School Refund = XXXX