davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

I had been approved for a loan modification, XX/XX/2020 payments have been on time for 7 months, now I get an XXXX payment returned due to lack of paperwork, I have try to reached out to SPS and each time a new answer, pending who answers the phone, even the onbudsman has conflicting information ; help I getting further define, as daily life happens and the mortgage is getting further behind, I not got a brand new answer one I have not heard. That I was to have 2 copies of the notarized papers.. what.??? Ok. Now I wait. Once these will be returned I can know it will be a different matter, no wonder the rating is 1 and most consumers would like to make this company a XXXX, Has been almost a year and they are still missing documents
Consumer complaint received 2021-10-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OH)

In XXXX of 2019 I was in a hospital for the entire month with complications stemming from my parathyroid XXXX. I am not married nor do I have a significant other so I paid my bills a bit late that month. More specifically, my mortgage with Freedom Mortgage is due on the XXXX of every month but in XXXX of 2019 I paid it on XX/XX/XXXX at XXXX p.m. because of being hospitalized. I have a computer generated receipt with the Freedom Mortgage letterhead on top of it, stating the date, the time and the seconds of the payment. Even though my payment was made on XX/XX/XXXX, well before being 30 days past due, this pathetic company reported me as being 30 days past due to all three major credit bureaus. I talked to them as well as the credit bureaus and even forwarded the receipt from Freedom Mortgage website that clearly stated what time and date my payment was made but Freedom mortgage would not remove the negative payment history from the credit bureaus. This egregious act has caused my credit score to plummet almost 100 points as well as prevent me from doing a 100 % VA XXXX out loan on my home in order to help my XXXX sons, of which I am a single father, pay for their college. I am a XXXXyear-old retired XXXX veteran that XXXX XXXX XXXX and hand in a XXXX  XXXX in XXXX from an XXXX  XXXX and this is the first time in my life that I have ever had a negative remark put on any of my credit reports. I am pleading with someone to give me the help that I deserve. I recognize the payment was not made on the first of the month as is the language in the contract but the payment was not 30 days past due and I have proof stating exactly that! Thank you for whatever help you may be able to give me. XXXX XXXX
Consumer complaint received 2021-01-06
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: EQUIFAX, INC. (NJ)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2021-10-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Lenders Investment Trading Corp (FL)

i had a mortgage funded by RP funding. I wanted to refinance to consolidate debt. i provided all docs and everything was fine and i was told oi would not have to pay mortgage for like 2 months. Obviously, i had to pay the pre-paid interest for one of the months and that was fine. The refinance loan closed on XX/XX/XXXX and on XXXX XXXX RP funding did the auto withdraw from my bank account leaving my bank account temporarily short for upcoming other auto withdrawals for things like water bill and electric bill. I attempted to get RP to immediately cancel the auto withdraw and nothing happened. Was forced to threaten legal action if not refunded within 24 hours. Their chief of customer service finally called me and told me i was at fault for not stopping the auto withdrawal. WOW WHAT A TERRIBLE THING TO DO. The old mortgage and teh refinanced mortgage are both under RP FUNDING. Totally unprofessional.
Consumer complaint received 2021-10-06
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. (MA)

Citibank Best Buy credit card closed my account on XX/XX/XXXX and sent a letter to me XX/XX/XXXX. I used this card monthly and paid it on time. I only found out they closed it when I paid of the balance so I could make a larger purchase.
Consumer complaint received 2021-10-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (IN)

I opened a Chime account and had been banking with them without any problems. Had a deposit come in my account around XX/XX/2021 that had my name on it and they closed my account without sending me a check for my funds that was in that account. I contacted Chime several times and was only to correspond through email due to them closing the account. I was never able to speak to a live person. I am in need of getting my balance from Chime. Can you all assist me in getting my money from the institution? I do know they can not confiscate money from anyone that they did not supply. Please help!. Thank you
Consumer complaint received 2021-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I mailed out several letters regarding inaccurate and unknown things on my credit report. It has been over 60 days and I haven't got any response or action from them. It is plainly stated in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and I'm asking you to help me resolve this.
Consumer complaint received 2023-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MD)

I have a collection from I C SYTEM THAT SAYS THE ORIGINAL CREDITOR IS XXXX XXXX XXXX. I HAVE NO KNOWLEDGE OF THIS DEBT AND DO NOT OWE THIS COMPANY. THIS LOOKS LIKE FRAUD {$370.00}
Consumer complaint received 2021-10-06
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. (ME)

All three credit agencies have out dated or missing information, and do not reflect each other in positive info. No creditor, or lender can do a credit check and see all three reporting agencies, all they can see is Transunion, and XXXX, no ability to view XXXX, which is holding the highest scores. I have multiple inquiries on my reports from names that I have never heard of, or applied through for credit checks. 

I have made and continue to make disputes on these sites.
Consumer complaint received 2022-09-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Agreed to voluntarily return recreational vehicle XXXX XXXXXXXX XXXX related to COVID crisis in exchange to remove debt and debt still remains on credit report in the amount of {$1400.00}. Received letter from company saying I owed money still after the sale of vehicle which was not discussed with me as an agreement to be owed after the fact.
Consumer complaint received 2021-10-05
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: WELLS FARGO & COMPANY (FL)

Upon checking my credit report, I notice an account from WELLS FARGO BANK that I believe is not being reported correctly on my credit report. On XX/XX/2020, ( See Attached ), I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that WELLS FARGO BANK is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for over a year with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2022-09-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC (CA)

XXXX financed {$75000.00} for a {$140000.00} Solar project.. we were told it was a low interest government loan... Mosaic charges ... 5.24 % ..interest.,,. we were dual financed XXXX Mosaic and XXXX XXXX XXXX XXXX XXXX charged XXXX XXXX XXXX a {$70000.00} loan ... the convicted felon Installer ... yes ... convicted of Fraud and Forgery..dual financed us..which broke His contract with XXXX... they canceled it after XXXX phone call and showing proof ... Mosaic refuses to help... even though they were sent proof and a link to a XXXX page solar report.., detailing how the system is completely DEAD.., full of huge installation errors... and poses a risk for serious injury or XXXX ... we informed them over XXXX times ... our system was never finished ... never connected.., they have reported us for late payments ... harassed us with collecting calls.., and will put a lein on our house..all while supporting the convicted felon installer ... who lies ... the interest rate they are charging us .., is outrageous... it was represented to my XXXX and I as LOW INTEREST GOVERNMENT MONEY ... in my opinion.., Mosaic XXXX running a loan shark company ... that's how badly I feel they have acted ... totally in bad faith...
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (NJ)

XXXX/Mohela  reported this loan incorrectly as a " Paid Charge Off '' in XX/XX/. A week later they reported it as " Paid in Full as Agreed '' but this correction is not reflected on my credit report/credit score. Please correct ASAP.
Consumer complaint received 2022-09-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XXXX XXXX is original creditor. Last purchase was on XX/XX/XXXX. Last payment was on XX/XX/XXXX. Portfolio Recovery and XXXX acquired on XX/XX/XXXX. Portfolio Recovery and XXXX hired law firm XXXX XXXX XXXX ) to sue me. XXXX XXXX XXXX signed Default Judgement on XX/XX/XXXX. Based on this information Portfolio Recovery and XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX; all violated my rights and the following laws : violations of Section 392.307 of the XXXX XXXX XXXX : Failure to Notify the Consumer of the limitations period has expired & Title 12, Section 1006.26 of the Code of Federal Regulations : New rules from the XXXX Consumer Financial Protection Bureau prevent debt XXXX from suing or threatening to sue over time-barred debts. I formally request that Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX, State of Texas XXXX XXXX XXXX XXXX XXXX stop any and all attempts to collect on this debt, rescind/vacate/set aside ( cancel ) Default Judgement immediately. 

Portfolio Recovery Associates XXXX XXXX XXXX acted in bad faith and failed to notify me of the statute of limitations while the law suit was at court.
Consumer complaint received 2021-10-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NJ)

I sent a dispute letter to Experian for XX/XX/XXXX for a charge off that has been paid to XXXX XXXX XXXX  XXXX amount number - XXXX. Experian received the letter and sent me a letter on XX/XX/XXXX stating that my account is updated.
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (PA)

My account was closed at credit grantors request which is in violation to FEDERAL LAWS. Violation to 15 USC CODE 1691, I am due {$10000.00} in damages. 15 USC 1681n I am due {$1000.00} in damages per violation.

My account was closed with out my knowledge or approval where is my green receipt/proof you sent anything regarding this account?

According to 15 USC 1602 ( p ) late payments are considerate unauthorized use, I did not get a benefit from the late payment as a credit card holder. I never got the proper documents or disclosure needed to correct payment According to 15 USC 1605 how am I late? The finance charge connected to my consumer credit transaction include all fees.

I am demanding according to my consumer rights, per the federal laws that my account is reopened with an open ended credit card and yall must report only positive information. ( COPIED FROM AFFIDAVIT SENT OT THEM )
Consumer complaint received 2021-10-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (SC)

XXXX XXXX formerly of XXXX XXXX XXXX XXXX MD XXXX We have been dealing with XXXX XXXX attorney MrXXXX XXXX for the past few months. 
I have informed Mr.XXXX that I did not want to communicate by email.We have asked for communication by phone and now we are been ghosted. 

Mr.XXXX got information from us that Ocwen charged us fees each month to pay our mortgage over the phone.I also let them know that the state of Maryland was investigating them for this as it was illegal. 
Mr.XXXX when he did replay he said that we did pay the fees but it was only twice in 2013. This is incorrect we were charged the fees each month we paid over the phone. 
I informed MrXXXX that the company that they used for their customer service was not licensed in the state of Maryland we got no response. 
Ocwen customer service is the only live phone line you can reach. 
The customer service were the ones that told us your account went to collections and here is their name and phone number and Ocwen has no ownership of the matter anymore. 

I have sent emails to Ocwen ombudsman in the last few weeks and all I have gotten back are letters we will review and get back to you. 
Ocwen has never gotten back with us and they will not be Mr.Messingers words. 

I would like all of the above addressed by Ocwen over the phone. 
I have reached out to many people at Ocwen and XXXX XXXX XXXX over the last few weeks as I don't feel people are been honest with us. 

Respectfully, XXXX XXXX
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (NJ)

XXXX/Mohela  reported this loan incorrectly as a " Paid Charge Off '' in XX/XX/2020. A week later they reported it as " Paid in Full as Agreed '' but this correction is not reflected on my credit report/credit score. Please correct ASAP.
Consumer complaint received 2021-10-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (TX)

The account below is not my account. Please remove off credit profile NCA Last reported XX/XX/XXXX {$1500.00} Opened XX/XX/XXXX ( 1 yrs, 6 mos ) NCA Last reported XX/XX/XXXX {$0.00} Reported balance This account does not belong to me. I do not know who it belongs too. The balance on the account is XXXX. Please remove off credit profile. Thank you
Consumer complaint received 2021-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-10-06
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. (CA)

I paid a debt off that showed up on my credit report in XX/XX/2020. I did not make this debt, however it was paid off due to the numerous disputes and no change. I have a copy of the receipt yet, it was never reflected on my credit report as paid. The initial company was XXXXXXXX XXXX XXXX XXXX XXXX XXXX The debt was bought by national credit adjusters. The debt was paid as noted on the receipt attached to this claim. It needs to be reflected on my credit reports on all three bureaus. Its been almost a year since I paid and no change. Its been disputed several times and when it comes back from the credit bureau it does not reflect paid. The credit Bureaus refused to change, despite me providing proof of payment. This needs to be fixed ASAP, I have spent so much money disputing this when it should have been fixed a year ago.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently did a observation of my own involving my consumer report and I found inaccurate, unverifiable, unauthorized and questionable items on my consumer report.Each credit reporting agency must make sure they are reporting 100 % accurate by law.XXXX, transunion, and XXXX are in violation of my consumer rights as they have inaccurate, unverifiable, and unauthorized items on my consumer report as they have items that on my report that dont match up with the other bureaus consumer reports of me.
Consumer complaint received 2021-10-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

Attempted to dispute my debt to all three credit bureaus. I received no debt validation of response. I sent letters certified on dates XX/XX/2021 and XX/XX/2021. I also filed a non compliant notice on XX/XX/2021. and no received no response
Consumer complaint received 2021-10-06
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: EQUIFAX, INC. (SC)

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the aguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.
Consumer complaint received 2021-10-06
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: EQUIFAX, INC. (NC)

2 months ago today, I sent letters to the credit bureaus ( attached in this complaint ) regarding inaccurate things I have on my credit report. Up until now, I havent got any action & respond from them, I can still see those inaccurate things on my credit report. They didnt make any action for my complaint. Not knowing what is going on has become stressful and I urge you to find out what is going on. Thank you.
Consumer complaint received 2021-10-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )