davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

My husband of 43 years passed on XX/XX/XXXX we where with Ocwen they agreed to a modification of my loan. I started to pay them XXXX per month starting XX/XX/XXXX. Ocwen transferred my loan to PHH Mortgage I have been with them since XXXX XXXX. I have never missed a payment with them of XXXX at 5 % for 30 years. I was 3.75 % and my balance was XXXX moved in my home XXXX. They agreed to my modification and my balance on my home is XXXX. They stated to the credit bureau I miss XXXX, XXXX, XXXX and XXXX, it took my credit to XXXX. I am still working in the XXXX XXXX with XXXX XXXX XXXX that I could loose due to this credit report error. I sent bank statement showing never late or missed payments and that my modification with them was approved due to me never missing a payment with them. My credit is very important to me now that it's only me. I would like them to correct this urgent mistake so that I can live this is causing me overwhelming hardship. Also are their attorneys that can help people like me to assure that this modification is not again hurting me and it ; s fair justified. I can send you copies of letter to PHH to correct this major error. 
If not my life is over due to this mistake.
Consumer complaint received 2020-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The company is reporting negative to my credit report in despite of a settlement agreement with the debt collector or account the credit companies sold to a debt collector. The Fair Credit Reporting Act prohibits a company from reporting negatively to my credit report for the sole purpose of revenge after a settlement agreement was reached or a business no longer owns the account. These payoff sheets do not match the reported credit information being derogatory on my credit reports.
Consumer complaint received 2020-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (NC)

I attempted to get insurance for my car through XXXX XXXX, and the rate quoted during quote was lower than when I went to check out. It stated I had an accident with injury on XX/XX/XXXX that I was at fault over, I talked to service person and they confirmed and gave me phone number and Reference number # XXXX. I contacted LexisNexis ( XX/XX/XXXX ) and over the phonean automated system took information and was going to send me a report which I still haven't received. Couple days later I contact LexisNexis again and talked with a lady who stated I had this on my report but with no injury and that it was an accident with a travel trailer that belonged to my ex wife in which she ran it into her house backing it in. I gave the lady from LexisNexis all information AGAIN and she was going to file a claim to remove. On XX/XX/XXXX I received a letter stating they can't find a file matching mine. So I tried to get XXXX XXXX again thinking it had been removed, but still shows against me. At this point I don't know how much extra I have paid since XXXX due to this and now they're playing games stating they have no information
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and XXXX.
Consumer complaint received 2020-01-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS) (CT)

XX/XX/2020 Dear CFPB Consumer : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Last for SS XXX-XX- XXXX. 
Balance {$350.00} Complaint against : XXXX XXXX XXXX  and Chex Systems XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account # XXXX please removed from my Chex systems report. 
Account # XXXX please remove from my Chex system report. 

Neither of these entities have been verified I have received no receipts or overdraft or anything XXXX XXXX  has not responded to my letters or my request to valid this. CHEX SYSTEMS have not given me any proof of this. 


I have written a letter to Chex Systems and told them to validate a debt that was in by Chex Systems report. I have asked Chex Systems to remove this from my report they wrote me a letter stating no they will not remove this information it was validated they did not send me what was validated and where the balance came from I was told the balance will be left in my report. This is causing damage to my creditability I want it removed I contacted XXXX XXXX to settle this issue I asked them to provide to me where this balance came from and if they can find out where and it is presumed accrued by me I offer them a settlement of 50 % of what the balance they are stating is and also to have those accounts removed from my reports. The Chex Systems report states I have a balance of {$350.00}. Chex Systems did not send me how this balance was created although I must have this out of my report. This balance is presumed from 4 years ago I do not remember having an overdraft with them or a balance. I do not owe XXXX XXXX any money how and receipts when where. 

I want both entries removed from my Chex Systems file please. Neither Company has shown me where these balances came from since they can not it must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX
Consumer complaint received 2018-10-03
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: Santander Consumer USA Holdings Inc. (PA)

I sent them a request on XX/XX/2018 to send me all the information about the car loan, the repossession and the sale of the car. they refuse to send me any paper work because I am the co-owner of the vehicle. they stated that all information was sent to owner ( who lives 3 hours away ) and states that she has not received any thing from them, including information about getting the vehicle back or how much the vehicle was sold for or where. been trying for years to resolve this issue, but getting no satisfaction. the amount owed changes constantly on the credit reports and is never reported accurately on all three.
Consumer complaint received 2020-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (MA)

Barclays card. I have a high limit and charge a lot for work. I pay the bill in full by the end of each cycle. called to make payment on XX/XX/XXXX for {$24000.00}, called again same day and made payment for {$25000.00}, and for {$6100.00}. XX/XX/XXXX called and made a payment for {$4700.00} called XX/XX/XXXX XXXX XXXX  to see if my line of credit is opened, spoke to a supervisor. I was informed that I would have available credit on XX/XX/XXXX - I went nuts. The money left my account on XX/XX/XXXX. I have had a card with them for many years, charge in excess of {$100000.00} per month, I do not carry a balance & do not bounce checks. They had me do a conference call with my bank to confirm that they money really did leave my account. 

I have other cards, but this card has the best perks. They are the worst to do business with. We have another issue as well. I made a payment that was delivered to them on XX/XX/XXXX. they claim it arrived on XXXX - I have a signed slip and they will not delete interest charges. Cost me {$1200.00}. I am going thru Mass Consumer Assistance. If they do this to me, what are they doing to people who can not defend themselves. I think their business plan is to delay receipt of payments to increase fee income.
Consumer complaint received 2020-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citi Bank closed my account despite having access to my checking account for autopay. They claimed that they attempted to request payment but, they said, my checking account was closed. My checking account was never closed and my credit union said they have no record of a request for payment from Citi Bank. 

There was some confusion about my account number which I addressed directly with Citi Bank multiple times in an attempt to fix the problem. However, on several occasions Citi Bank was able to access my account with an accurate account number from their records. I will attach a chronological account of what transpired in this dispute.
Consumer complaint received 2020-01-12
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. (MA)

This complaint if for the Home Equity Line of Credit -- on XX/XX/XXXX my home was illegally foreclosed on and the second alleged account with XXXX is now closed -- but I am getting a very bad credit score as well as XXXX trying to collect on this Equity line of Credit. There should be no more collection statements and from what I am told this is called dual tracking. I am in Appeals court with the first predator account and was told my home was sold on the above date. I do not know what XXXX  or XXXX XXXX XXXX XXXX  XXXX is doing, ( nor do they ) only that I am receiving the attached notices showing the Equity Line of Credit account is still Open and my credit has been destroyed please see attached. This was an opposed auction and as I stated above it was an illegal auction in Appeals court now. XXXX needs to get their _____ together and leave me the XXXX alone. I have my home in a Trust as well as being protected against this sort of thievery with my Homestead both are in the Registry of Deeds recorded years ago. I will not be terrorized and slandered with this dirty false information by the most notorious thief on the planet ( XXXX XXXX whom XXXX did all the work for and still is ). I have spoken to XXXX re : this Equity Line of Credit, on XX/XX/XXXX and was threatened with a lien on my home. I got nowhere with the representative only threatened.
Consumer complaint received 2021-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GOLDMAN SACHS BANK USA (CA)

I am submitting this complaint because I am being extremely affected by Goldman Sachs, They are being completely unfair and I dont know how to get ahold on them but through this portal.

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation.

I started this Goldman Sachs accounts Apple card account online, I never received this card, leave alone any statements or bills. I did not have possession of the card. 
Later I found that I had been marked late for a XXXXcent charge on my credit report. 

When I called Goldman Sachs Apple card, I was told that my account was automatically linked to my XXXX  XXXX app store, and that I was prompted for this when I was setting up this account. 

I certainly did not authorize this, and if it was done, it was in the fine print that a customer can not even see. 

This late payment has destroyed my credit, I was about to file suit against Goldman Sachs, who have refused to remove the late payment.

As a last resort prior to taking legal action, Im submitting this complaint to see if Goldman is willing to resolve this matter by remove the late payment from my credit report. 

Account information : Account number : XXXX Open date : XX/XX/20 Balance : {$0.00} Remedy : remove the late payment from my credit report.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (MD)

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent Navy FCU you furnished alleged transaction ( s ) on my XXXX, XXXX XXXX, and XXXX that you identified as late. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. 
You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. 

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law!

I am requesting under rule 1002 the documents that show proof that the information pursuant to section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. 

Do not reply to me stating that you are furnishing accurate information because we both know you are not. 

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2.

You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction ( s ) you have listed as late : NAVY FCU ACCT # XXXX NAVY FCU ACCT # XXXX Without Recourse UCC 1-308
Consumer complaint received 2023-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Please be aware of information on my consumer report is inaccurate!. I have tried to mail XXXX Equifax and XXXX on 3 different occasion starting XX/XX/XXXX. I have asked to validate these accounts as I do not know of any of these accounts and XXXX was the only one whom responded and stated someone may be working in my favor. I was upset to have waited this long for them to tell me they need proof it is me. When I included a cop of my id along with proof of my address. in XXXX I asked them to reinvestigate and in XX/XX/XXXX I asked them to again reinvestigate and expressed my final warning, no one as return my calls or neither did I get any correspondence to my mail. 
I asked several times to validate verify XXXX THERE ARE SEVERAL LISTED IN MY CONSUMER REPORT, XXXX, XXXX XXXX XXXX XXXX. I VERY UPSET THIS IS AFFECTING MY CONSUMER REPORT! 
on 3 different occasions the bureaus have failed to respond to me and making me wait and suffer with getting declined for credit. I think this is unfair and should be deleted for reporting inaccurate information.i have read some of the laws and these accounts fall under them and by default should not be on my consumer report! 
THEY ARE ALL REPORTING, FALSE INACCURATE INFORMATION AND HOW CAN YOU DO THIS DURING A PANDEMIC. Delete this for failure to respond over 90 days! here are just some of he laws I read that is showing on my consumer report! 
Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy 15USC1692f ( 1 ). Unfair Practices Under 15 USC 1692e. False or misleading representations Under 15 USC 1692g. Validation of debts please see all my letters send on my behalf and no one has ever responded nor called me!
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (VA)

I have been in a lot of stress with my credit report. Mid last year, I checked that my credit report had a 'serious delinquency ' mark on my XXXX XXXX credit report. Upon investigation, I learnt that it was because of a credit card issued by XXXX XXXX ( Clothing retail company ). The amont was {$310.00}. I called XXXX XXXX and was able to file a dispute. This was cleared later the same year, a month after I filed the dispute. 

So, I had never used the XXXX XXXX casr for any purchases and therefore I beleive they were able to clear it out. 

That same amount then showed up with the original creditor name XXXX XXXX ( Midland Credit Manag ). I got that too cleared from XXXX XXXX. 

The amount still still shows in my XXXX  Credit report and XXXX  credit report. 

I need help in clearing this out. My understanding is that if the XXXX XXXX was able to signal me green, why has not this been communicated to all the relevant bodies. 

I have not been able to apply and have any credit approved because of this deregatory remark and failing approval cycles has further made my credit look bad.
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (AZ)

Back on XX/XX/2019 I paid off a debt from XXXX XXXX through CCS. After making payment I asked for a receipt and was told I had to wait about 12 days to obtain a receipt offline. I called CCS multiple times and have requested a receipt and it is now XXXX and no receipt of payment has been received. I had one of their representatives walk me through how to get a paid in full document offline and there were issues with their website site missing tabs that were supposed to allow me to print the document I needed to get in order to send to each credit bureau to have the account removed. I have called this company more than 5 times at this point and have been getting the same story and was told by a supervisor that the document I need would be in the mail ( this conversation took place on XX/XX/2019 ). Now I'm still waiting and no one has been any help. My file number is XXXX with this company.
Consumer complaint received 2023-05-15
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. (AL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2022-08-17
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: Experian Information Solutions Inc. (MO)

Again, I was a victim of identity theft and this compalint is another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-XXXX ), the Credit Bureaus are required to remove/block any accounts not later than XXXX business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information some XXXX XXXX provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This letter is to notify the Credit Reporting Agencies that if they do not REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit Bureaus accountable for their willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-05-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Business and Consumer Solutions. (MI)

I never received correspondence from XXXX XXXX after the repossession of the vehicle on how to get the car back before it was sold at an auction. I was never given proper chance to get the vehicle back in my possession. It took over two months to retrieve my belongings that were in the vehicle. 

I then later start receiving calls about the balance of vehicle, which were different amounts. Then I receive correspondence from FBCS , Inc sent a letter stating a {$5300.00} was owed on the vehicle, but is XXXX XXXX reporting to CB that  over $ 8k is still owed on account.