davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OR)

XX/XX/XXXX PHH/ XXXX XXXX trying to un-ethically convince borrowers to agree to terms that people have no idea if theyll be able to actually uphold their end of the agreement. 
PHH/ XXXX XXXX at the end of the forbearance period will continue to play games and do everything possible to hurt the borrower. 
Please address this issue so borrowers are not taken advantage of as will surely happen if this is not addressed. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I have lost my income as a result of covid-19. I contacted my bank, PHH/XXXX XXXX on approximately XX/XX/XXXX to discuss mortgage payment deferral. I used their web form ( I have a printed copy ) to submit my request. Today I got a response telling me my form was submitted incorrectly. I checked the form for errors, and it was correct. This is a huge red flag. It turns out the new form on their web site requires me to agree that I will pay the 3  months worth of missed payments on the fourth  month. How can I agree to something I dont think I will be able to do? 
I called the bank and they tried to spin the issue. I explained to them I cant in good faith agree to something I dont know if I can uphold my end. They continued to try and convince me to agree to this term despite the fact I just told them I cant in good faith agree to that. 
I proposed to them that if they were comfortable guaranteeing me over the phone I would have no issues if I couldnt make the back payments to please put it in writing for me. They would not. Huge red flag! 
I then explained how I was at the center of the housing market crash and that I saw a lot of people do what banks asked them to do, only to have the home lost to the bank. 
This is a huge concern for myself and all others who are being forced to, out of desperation, enter into a forbearance program with terms most people can not guarantee theyll be able to hold up on their end. 
I am asking that immediate clarity and guidance be given to lenders so they are required to actually help the borrowers who are requesting it. This does nothing but add more uncertainty amidst an environment of the same! 
It does no good to give the bank tools that forces the borrower into a corner where the bank will have all the power to ruin credit scores, and potentially take peoples homes.
Consumer complaint received 2020-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

I contacted PennyMac on XX/XX/XXXX th approx for consultation on what would need to be done to eliminate the Mortgage insurance of {$60.00} per month. I was told that the Mortgage to value needed to be at 78 % in order to remove that insurance and that I was at approx 81 % ... that at the current rate the Insurance would drop off in 4 to 5 months. I asked if I paid additional principle with the next payment that would take me below the 78 % - would that do it. The appraisal at the time of the original load was {$280000.00} I was informed that it would, but to be certain that the Mortgage insurance was removed that I should call back and follow up after the payment. My wife added an additional {$1100.00} to the payment on XX/XX/XXXX to be applied against principle lowering the balance below the threshold. This was applied to our account on XX/XX/XXXX This brought our principle remaining to approx {$210000.00}. 77.96 % When I called back today XX/XX/XXXX, to make sure the Mortgage Insurance was eliminated I was referred to the Insurance Department who informed me that I was " misinformed '' and that in fact, the only way I could get this done was by paying for a new appraisal and only then would this be considered. Also, she informed me that they considered the 78 % against the sale price of {$250000.00} as opposed to the Appraised price of {$280000.00}. This is unacceptable and a fraudulent misrepresentation. The person I spoke with today said she would provide a message to her supervisor that I wanted a call back and, as anticipated, I have not received any.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX I HAVE NO KNOWLEDGE OF THIS ACCOUNT. 

I HAVE DISPUTED THIS ACCOUNT WITH ALL 3 CREDIT AGENCIES they report it as accurate but its not and its ruining my credit score.. 

this date of this account is also wrong in accordance with the Fair Reporting Act XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states i have a 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 instuctions.
Consumer complaint received 2023-03-01
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 was trying to get a loan to buy a house and when I checked my credit report I noticed a lot of discrepancies and blemishes that might jeopardize my character. It is also a violation of 15 USC 1681g disclosures to consumers.

15 USC 1681 ( a ) ( 4 )
Consumer complaint received 2020-04-08
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. (FL)

I HAVE FOUND AN INACCURATE ACCOUNT ON MY CREDIT FILE THAT DOES NOT BELONG TO ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED FROM MY CREDIT FILE. THIS ACCOUNT IS CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT AND I WOULD REALLY APPRECIATE SOME ASSISTANCE IN THIS MATTER. THE ACCOUNT DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTION THAT WAS MADE BY ME.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: B9, Inc. (OR)

Merchant charged me XXXX. I think the bank has issues with pre authorization charges and final charges. This has happened several times in the past. Then its a complete disaster of poorly trained individuals unwilling to file my dispute. Isnt this illegal. Knowingly disregarding a dusters dispute??
Consumer complaint received 2023-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dont close this complaint this is a legitimate complaint i followed the ftc process to file this complaint and you guys keep closing it with out submitting it to the credit reporting agencies. This is not coo or fair. however i am a victim of identity theft and need the following accounts removed from my credit report.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

XX/XX/XXXXI filed a ch XXXX bankruptcy after my wife died I had a federal parent plus loan that was sold to Navient financial ... during the 5 years of payments Navient collected 5 years of interest of approx. {$40000.00} none going to principal, as I understand. now im repaying aloan of approx. 83,000 at 8.5 % at a 30 yr rate ... its a killer Navient is claiming the federal govt is setting the loan rate really? 8.5 % also the presidents corona virus order to suspend payments with no interest for 6 months they will not honor ... now its a private loan sold to them???? unreal im XXXX years old and ill be dead by XXXX when its over.. because of the ch XXXX im denied any refinance options so im stuck at navients blood sucking interest rate is this legal????
Consumer complaint received 2020-04-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been attempting to ask Bank of America for help due to my health complications and financial hardships I have been experiencing. As you can see in my last communication to them I explained in detail my financial and health problems that are causing me to be unable to pay my accounts. I was forced into early retirement with a very limited income, and I was scammed by a debt settlement company who mislead me about there financial solutions they can provide. I am now left with a mess of debts and am struggling to figure this out. 

I contacted Bank of America for help, and they simply demanded I hand over {$11000.00} to settle this account. Well if I had XXXX I wouldnt really be in a financial mess would I? It's quite the peculiar assistance they are claiming to provide. I am filing this complaint in hope that the regulators see what Bank of America is actually doing to consumers, even senior, sick consumers. 

Because of my sensitive health conditions I am particularly vulnerable to XXXX, and at this point I am unable to leave my home and I am having a hard time getting groceries and other essentials. I'm severely stressed out and Bank of America just makes my stress worst. Something needs to be done about them.
Consumer complaint received 2020-04-08
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. (FL)

I am a victim of identity Theft. Someone stole my Identity to Open fraudulent Accounts. 
I Did not Authorize anyone to Open This Account On My Behalf. 
I did Not Open this Account
Consumer complaint received 2020-04-08
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. (NY)

To Whom It May Concern, On XX/XX/XXXX I was looking at my credit report and noticed inaccurate information. 

Derogatory marks XX/XX/XXXX it says XXXX XXXX  XXXX {$130.00} Is owed. I had called this company many times in the past as this was all taken care of and there customer service reps had said they would remove from file. For some odd reason It is still on there. But was taken of. There was additional fee 's than it was fraud and never authorized by me. 

Inquiries XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX ( both companies I had called as neither company had I signed anything or applied for anything and to the best of my knowledge was fraud and unauthorized by me. Both companies agreed to remove from my file but for some reason still there. 

I have attached the false inquiries picture on here so you guys can see it
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

In XXXX of XXXX, an attempted identity theft of my information resulted in me getting a credit report from all three reporting agencies. At that time, Equifax had my correct date of birth. Then in XXXX of XXXX, I was informed by my credit union that Equifax had the wrong date of birth for my information. 
When I try to get the date of birth corrected, Equifax tells me that I need to submit documentation to prove that I am " me '' and my social security number and my date of birth. 
If documentation is required to correct the information, then how did the date of birth get changed to the wrong date! Where is the documentation that caused that change? Who submitted the incorrect information? What protection does Equifax provide to ensure that this error can not happen again? 
I am submitting this complaint through the the Consumer Financial Protection Bureau in order to get questions answered and to protect my personal information.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Someone stole my identity and tried to open at least XXXX accounts ( bank accounts, credict cards, mortgage, phone, etc ). Only capital 1 and XXXX  ( XXXX ) fell for it. I filed a police report ( XXXX ) and I filed an identity theft report ( XXXX ). I also provided them both with copies of the letters I received from other banks and companies who rejected the request. And I emailed them a copy of my passports and my green card. Alas, to no avail. They both still claim that I will have to pay the bills. Which is entirely unreasonable. It should be very easy for anyone to compare the docs that led them to open accounts with the original ID docs I have provided. I never ever had an account with either capital 1 or XXXX. 

I have copies and originals of all documents mentioned herein and am happy to provide them to you. 

Thank you so much for your help.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-04-08
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. (TX)

remove the ftc violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX same as XXXX XXXX XXXX
Consumer complaint received 2020-04-08
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: Resurgent Capital Services L.P. (TX)

remove the ftc violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX lvnv funding llc XXXX XXXX XXXXXXXX same as lvnv vunding llc
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity Theft. Someone stole my Identity to Open fraudulent Accounts. 
I Did not Authorize anyone to Open This Account On My Behalf. 
I did Not Open this Account
Consumer complaint received 2020-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

This complaint is in continuation of my previous complaint XXXX. The company Capital One did what they stated their resolution would be. However, they charged me another interest charge in the amount of {$33.00} on XX/XX/XXXX. When I called to inquire and participate in this bill postponing that they call " help our customers '', I was informed that this will not cause me to be billed any fees or interest charges. The fact is that I was. This is an interest charge that falls in the period of this helping thing they are doing with postponing the bill with one month and I was told I will not be billed any charges or fees. The fee that I was incorrectly billed was removed due to this error but this does not mean that they should charge interest charge at a later date, a date that my bill is not even due by. I would love to pay off the full balance once and for all and stop using them.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

Carrington Mortgage is stating that I missed a payment for XXXX for my mortgage. I did pay that payment for XXXX on XX/XX/2022 in the amount of {$2400.00}. They sent me a confirmation of payment and I did not receive any information that the payment was rejected and was not contacted to make the payment again so I thought everything was good and my payment was fully complete. During the XXXX month, I contracted XXXX and did not have a chance to check the app at the time. When I was feeling better, I went and checked and it said that I missed a payment. Not sure how that was possible, so I contacted them and they told me I missed the payment even though I had the confirmation in their own app which stated that I paid. During the call, the Carrington representative removed the late penalty and I made the account current by paying 2 months of mortgage payments. The late payment on my credit report should be removed because it is incorrect and I was not made aware of the rejection of payment at the time Carrington Mortgage is reporting.
Consumer complaint received 2020-04-08
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)

On the month of XX/XX/2019, I found a collection account on my credit report which I have no knowledge of. I sent a request for debt validation on XX/XX/2019 addressed to XXXX XXXX XXXX. This company never sent me any proof whatsoever in regards to the collection account which in turn they are reporting to Equifax and it is damaging my credit which affects in so many ways. After waiting over 30 days for a response from this fraud of a company, I never got one! Finally I decided to dispute through Equifax thinking they would demand this company to show proof or validation but they are also a big disappointment since they just verified and said the account would remain on my report, just like that without any proof, incredible? When I contacted Equifax I did it in writing through the United States Postal Service certified mail and provided them with copies of all the letters I had sent XXXX along with proof of signature receipt from the USPS, and they answered through paper mail, and never provided any evidence that these people have a legitimate right to be reporting this adverse information on my credit report. They have never provided debt validation which is my right under the credit protection laws. I would like for you to please investigate this matter and get Equifax to remove this information from my credit report as soon as possible.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It has come to my attention that there are errors on my credit report. The accounts numbers XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX XXXX ARE NOT MINE I am demanding the proof be provided that these accounts are in fact mine or removed. 
Simply verifying that names, addresses and/or Social Security numbers match is insufficient. That s what fraud is, using information belonging to someone else to obtain credit. DO NOT tell me I need to file a police report, as there is no requirement to do so under the Fair Credit Reporting Act. Is your obligation under the FDCPA to prove it or remove it. In XXXX Vs XXXX XXXX XXXX XXXX XXXX, the courts said, during a dispute and subsequently investigation, with the original creditor, collector, or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract, or similar proof, not just a printout of the payments that were made. I am also notifying you that pursuant to 15 USC 1681 ( a ) that you should be aware that information furnishers have lost number suits and are unreliable I will wait the appropriate time as prescribed by law at which time I will proceed to protect my good name and avail myself of any and all legal rights, including but not limited to look at auction.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

On XXXX, I purchased three {$50.00} XXXX XXXX XXXX from my local XXXX  Store to give as gifts for XXXX. 
On XXXX, my daughter went to our local XXXX store and tried to use it and was told by cashier that there was no money on it. I then had my son check the other two {$50.00} XXXX XXXX XXXX and they had no money on them as well. XXXX told me to call XXXX which I did on XXXX. After over an hour the gentleman told me he would look into it and e-mail me something in 5 minutes. My case is # XXXX. 
I never received an e-mail, so I called again on XXXX. Again, after an hour of waiting the gentleman told me I'd have an e-mail in 12 to 24 hours. As of today, XXXX, I have not received an e-mail in regard to my case.
Consumer complaint received 2024-04-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC (WI)

On XX/XX/XXXX or XX/XX/XXXX I applied for financing through Carvana in which they asked for my Social Security number. They approved me and attempted to tell me that I needed a {$32000.00} cash down payment. I know this is illegal. I know that Im advertising and asking me for it is illegal when I questioned Carvanas support team they told me that they could not talk to me anymore