davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HUNTINGTON NATIONAL BANK, THE (WV)

i went XXXX XXXX XXXX huntington atm, it allowed me to put my card in and enter my pin and allowed me to take my card, it then said it was having trouble dispensing money i immediately went into the branch and XXXX the teller was rude and unwilling to help me and said it was put back into my acct, which is a lie an still is then the manager came out XXXX, she was also rude and refused to assist me and refused to show proof a dispute being made i went out to my car and immediately called huntington customer service and they are not able to assist and i have esclated the call to the disputes dept supervisor as of right now i do not have my cash and no credit has been put into my acct
Consumer complaint received 2021-09-15
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: Navient Solutions, LLC. (MA)

I have these accounts that are not mine and i want them to be remove. 

1. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2017-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I have received notification from my home owners insurance company that my policy was going to expire due to non-payment, yet my mortgage loan is escrowed. In order to prevent the cancelation I paid the home owners policy myself. I have been attempting to contact my mortgage servic er ( Wells Fargo ) however they do not pick up any of their phone line when going to the insurance prompts, or general servicing. Most recently I called the line stated that they are experiencing a high number of calls and to call back later then disconnected me. I as the consumer should not be responsible for correcting my mortgage companies error, and even when I do correct it, I ca n't contact them to discuss to prevent from happening again. Not sure what the service company is doing other than simply taking my payments. Need help to get into contact with Wells Fargo since multiple  attempts at multiple lines have failed to get anyone on the phone.   Thank you.
Consumer complaint received 2021-01-04
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. (IL)

I have sent XXXX and TransUnion verification letters regarding inaccurate letters that appears on my credit. They always said " Verified '' but never actually send me the tangible verification documents that say that debt belongs to me. I do not recognize them. I never signed up for them. 

I am requiring them to send me documents that those debts belong to me or I will be suing for having such information affecting my life and finances. 

Thank You.
Consumer complaint received 2021-01-04
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. (GA)

I when to make a purchase at a store and they offer me a 20 % discount if I apply for their credit card, when the report came back it was showing some accounts that were no mine, that's when I learn that my identity was stolen and my name was used to create fraudulent account in my name, I have been disputing these accounts but I haven't gotten any responses, just the confirmation of theses accounts, I have called the creditors and sent letter to each and every one of the creditors, this report is the first step to document this incident and hopefully the start of cleaning my name.
Consumer complaint received 2021-01-04
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. (AZ)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over the 30 days and I haven't received any investigation results.
Consumer complaint received 2021-09-15
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC. (MI)

Dear CFPB, Please find my complaint against XXXX XXXX for deceptive business practices. I submitted my Complaint regarding home owners insurance policy which was paid by some Third Party Payment Services who acted on behalf of some Mortgage Company. 

The amount of payment was not matching my " escrow records '' prepared by XXXX XXXX XXXX XXXX This payment lacked ANY information who is Third Party Payment Services and why they have access to my escrow account.

I asked XXXX XXXX XXXX agent, XXXX XXXX, to disclose corporate identity of Third Party Payment Services ; their contact information and the name of the agent who sent this payment on behalf of some " mortgage Company ''. 

But I received an electronically signed letter from purportedly XXXX 's employee XXXX XXXX, without a last name, without any contact information, no address, no phone - who informed me that everything was done by some system who does all adjustments and who automatically sends payments. ( and letters as well ) XXXX XXXX did not answered my questions re Third Party Payment Service corporate identity and referred me back to you if I have further questions- which I do. 

I still waiting for XXXX XXXX to provide me information who is this Third Party Payment Services company and that is their corporate name, contact information ( address, phone number, email ) and the name of their agent who sent this payment. 

XXXX XXXX said that the payment was made by my faux " mortgagee '' PennyMac. 

This is not true. The payment came from som

e Third Party Payment Services who was acting on behalf of some Mortgage Company. No references to PennyMac at all. I clearly asked many times why this payment was made by some Third Party and for
corporate identity and contact information for this party. 

Now I have a robo-signer XXXX XXXX I am not sure if this is her real name since anyone can put electronic signature on the letter which is coming from nowhere. ( po box is not the address, this is a box at the local post office where somebody who does not want to be recognized picks up mail ) who tried to mislead me about who made the payments - while conceal from me her own information. 

So, I ask XXXX XXXX again, please provide me corporate identity for Third Party Company who made the payment, their contact formation, their phone number and email and the name of their agent who was authorized by PennyMac ( or someone else ) to make this payments Please provide me full name for XXXX XXXX employee XXXX XXXX, and her real address and phone number, so I can stop by at her office and talk about this matter in person. 

Best regards XXXX XXXX
Consumer complaint received 2021-09-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I sent a letter to the credit bureau to delete the unauthorized credit inquiries but its been well over 30 days and no response from them. 

XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2021-01-04
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)

These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely
Consumer complaint received 2021-01-04
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. (IL)

I have sent Experian and XXXX verification letters regarding inaccurate letters that appears on my credit. They always said " Verified '' but never actually send me the tangible verification documents that say that debt belongs to me. I do not recognize them. I never signed up for them. 

I am requiring them to send me documents that those debts belong to me or I will be suing for having such information affecting my life and finances. 

Thank You.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLIANT CREDIT UNION (MS)

On XX/XX/2021 A account was established in my name with out authorization. I contacted the Creditors to inform them that on the dates this account was open I was XXXX and have no knowledge of this account that's being reported to the reporting agency. On XXXX XXXX I was XXXX XXXX XXXX XXXX with XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have sent the confirmation of my XXXX XXXX XXXX XXXX XXXX along with a time sheet to provide the dates of XXXX XXXX that I was XXXX XXXX when this accounts was opened and used under my name.I have contacted Alliant XXXX Credit Union about the Fraudulent accounts with the highest balance reporting XXXX with a credit limit of XXXX. After sending Alliant XXXX Credit Union documents of my XXXX XXXX XXXX along with a XXXX  XXXX XXXX XXXX XXXX with my XXXX XXXX XXXX the account still reporting as this account has been verified. I have tried to notify them several times that I was XXXX XXXX  when these accounts was open. Also I filed a FTC Identity Theft Report concerning the credit card and a checking account that was open and reported to XXXX XXXX as NSF in the amount of XXXX that was deposite during the XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-15
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 — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (AR)

ILLINOIS STUDENT ASSISTANCE COMMISION LOAN NO.XXXX WAS PAID TO DELETE FROM ALL CREDIT BUREAUS. AND STILL REPORTING COLLECTION STATUS TODAY.! XXXX ANAD XXXX THE ORIGINAL TRADE LINE WAS FROM 2006 AND AND NOW IS TIME BARRED.
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EOS Holdings, Inc. (NY)

I am in the process of securing a VA mortgage. I checked my credit report and it shows 1 ( one ) collection account with EOS-CCA for {$1700.00} toXX/XX/XXXX XXXX, NY. On XX/XX/XXXX I contacted XXXX XXXX billing office to get a definitive total owed. Talked with C/S rep XXXX and she gave the amount owed to EOS-CCA {$320.00}. I contacted EOS-CCA XXXX XXXX XXXX XXXX # XXXX, XXXX, NY XXXX the same day and spoke with C/S rep XXXX. XXXX informed me I owe EOS-CCA {$2500.00}. I asked her to send me an itemized statement of the charges and dates. Called EOS-CCA XXXX, NY on XX/XX/XXXX to inquire about the itemized list. C/S rep wouldn't give his name but said the list was mailed out. To date I have not received the itemized list. I also filed a dispute with XX/XX/XXXXfor 9 ( nine ) amounts on my report. On XX/XX/XXXX I called XXXX XXXX to get an update on my charges because I had paid a previous bill on XX/XX/XXXX for {$30.00} and XXXX XXXX stated I now owe EOS-CCA {$290.00}. I called EOS-CCA XXXX XXXX XXXX XXXX XXXX, MA XXXX on XX/XX/XXXX, the C/S rep would not give her name. She stated I owed EOS-CCA {$2500.00} and she insisted I set up a payment plan right then over the phone. I explained that EOS-CCA is the only collection listed on my credit report and according to their client XXXX XXXX, who I had just spoken with that morning, the amount is incorrect and not owed. I then requested she mail/send me an itemized list of the charges. She requested to put me on hold because " I want to check something ''. I agreed. She returned 5 ( five ) minutes later to verify my address and said the list will be mailed out. Also, I went over the amounts line item by line item on my credit report with XXXX XXXX XXXX and the dates. ALL dates and amounts on my credit report are XX/XX/XXXX. XXXX XXXX stated the amounts and dates are incorrect and not owed to them.
Consumer complaint received 2021-01-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

my monthly complaint i resived a call from my bank mortgage company and they started to increased since last month they keep claiming. I owed them money they im behind 2 months I asked to tell me when or where but they don't know this lady XXXX where really rude when I asked why she keeps calling my number and leaving so many massages like I was calling her she didn't like it again I asked tell me where is the shortest she said to give her my email I don't have one but my wife does they do have it but she is trying vto get me all worked out this shellpointmorgage company got my account from XXXX  XXXX XXXX and following the same lies and different ways to charge for money I don't owned them they keep doing it I been making complamy about this but they keep sending me same papers then when this lady hang up the call I call again to see why this company shellpoint mortgage company to see why they keep saying the same but not proved then I talked to XXXX she told me she is trying to help me ok I said but she said same thing that they will send me all the paper and I will look for where and when I'm late they can't say it but they know I'm late I asked i think if you say I'm late you nave to proved it not yes say you have to find out where is the mount you owned in the past I have send them few different mount but I can't go and send them if they keep changing the mount back again the girls XXXX she made the effort to look a little more and she help me that's XXXX and this month we are in at the beginning XXXX they says I owed them it now kaily say the same thing as XXXX I tell her that with all this complaint I learned that on 2015 when I got my loan modification my payments where XXXX something like that but then after 3 months of the same year XXXX  XXXX XXXX increased to more than 1500 I call them but they claimed it was an escrow for what I understood the escrow adjusted every last month of the year they have got more than {$150000.00} dollars added to my loan for escrow insurance and different payments from companies their lawyers court fees all that was included so I was going to start fresh with my loan XXXX  told me that she saw in that and that was the issue and since that day I owed them even that every end of the year they adjusted the escrow and insurance how come my monthly payments has increased since that year even that my insurance and taxes where not that high she tell me that's why I have {$900.00} or more in late fees I don't get it this company is owned by XXXX XXXX  but they don't take responsibility of that they are d6 taken advantage of people again they wanted to charge for their own mistakes XXXX say it the other company XXXX  XXXX XXXX records she see they did screwed me up and she it's ok with it but last time I taro some one on costumers service they say same about XXXX XXXX  fault so they keep making mistakes and I'm to blame for
Consumer complaint received 2022-02-21
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. (PA)

I was reviewing my XXXXredit score today and noticed some things on my report that were quite disturbing. I noticed that someone has fraudulently opened up multiple credit cards in my name. It has happened over a two year span beginning approximately 4 or 5 years ago.
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Thank you : The items in dispute appear on my trans union credit report. Under collections they have two items listed from XXXX XXXX XXXX the collection agency for XX/XX/XXXX. I have had the same job for 25 years and use XX/XX/XXXX for my children. for this time period there were dozens of bills paid before and after these bills. As i have told them over and over THEY BILLED IT INCORRECTLY and therefore the insurance company wont pay the bill. 
This was totally their fault they waited to long and are Now fighting to have the bills paid But are being declined for untimely filing according to My insurance company XXXX XXXX. 

I have continually asked Trans union them to remove this from my credit report and asked XX/XX/XXXX and XX/XX/XXXX to remove it from collections but have had no success. This is costing me money at this point and Im hoping to get some relief from this complaint
Consumer complaint received 2021-09-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

My loan was with Saxon in XXXX. Saxon sold to Ocwen. We had a variable loan and knew we had to refinance to a fix, but at the time the market crashed and the value of our home plunged. The county blocked jumbo loans to refinance. We were stuck. Saxon sold to Ocwen. This was when all our problems started. Our loan started out around 2.5 %. Every six months Ocwen raised my interest rate. The contract stated the cap was 2 % over the federal, At one point, the interest rate because 9.7 %. We were struggling to make the payment. Three times we filed for modification - denied. We had to file Chapter XXXX bankruptcy in XXXX. During this time Ocwen 's record of payments were not accurate. Ocwen sold to PHH Mortgage. We now had a bigger issue. Payments were not being recorded correctly. In XX/XX/XXXX, my husband passed away. With the life insurance, the bankruptcy was paid off according to what Ocwen had filed that we owed. I was discharged and the case was closed. Or so I thought. They didn't honor the discharge. They have rejected my payments by returning them. They have threatened to foreclose. Even after sending proof that all payments were made, they refuse to accept the proof. I've asked them repeatedly to explain how the payoff was applied to my account. As of yet, no answer. The amount of interest paid in XXXX was not accurate ; they refuse to give me answers again. There is a list of 20 issues of concerns and supporting documents too large of a file to upload, so a CFPB agent suggested that I mail the list of concerns and supporting documents by mail. My agent was SO knowledgeable and supporting, that I cried from renewed hope.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (AZ)

XXXX re : IC System Inc. 
I contacted XXXX on XX/XX/2021 to begin a dispute against the above Collection Agency. The dispute is stating that IC System is reporting inaccurate information. Based on FCRA, the DOFD that must be reported is date of delinquency. The Collection Agency illegally re-aged the account and committed a serious violation. Attached are copies of my dispute results from XXXX along with copies of the communication received from IC System Inc. verifying the CORRECT dates. I previously called IC System Inc. and was told that I had to write a letter and mail. I am an unvaccinated person and don't really go out to Post Office and this was an undue burden for me. The person on the phone was rude and unwilling to cooperate although I have the PROOF of the inaccuracy.
Consumer complaint received 2021-01-04
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. (FL)

Hello, I think there is a big mistake in my report as I found accounts that I do not recognize you know?! I have no idea how these items ended upon my credit report. I do not have any contracts or agreements with these companies actually so delete these accounts from my report. I am requesting you to remove them as its pure identity theft.
Consumer complaint received 2020-06-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The date was Saturday, XX/XX/XXXX. The amounts were intervals of {$150.00}, {$270.00}, {$530.00}, and {$600.00}. It was claimed that the {$150.00} was an initial investment. The rest of the transactions were to cover the interest fees necessary to do the cryptocurrency exchange. I was Asked for these in a series of tweets by the perpetrator and I Foolishly obliged With the promise of a return in investment. 

The payments were sent via XXXX XXXX. XXXX support advised they can not stop the payments and Bank of America advised they can not dispute until the payments post, but they should not post. Im trying to freeze these transactions.
Consumer complaint received 2021-09-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (CA)

Resurgent Capital Services XXXX. is a third party debt collection company that has harassed me through phone and interstate commerce about a debt I do not owe them. I have no contract with this company at all, yet they continue to harass me with unfair debt collection practices. I sent a letter for debt validation to this company and received a return receipt but no validation. They continue to furnish this derogatory mark on my consumer report and I didnt give consent to anyone to take this action.
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERINATIONAL COMMUNITY SERVICES, INC. (MD)

( AMERINATIONAL COMMUN ) IS REPORTING LATE PAYMENTS ON MY CREDIT REPORT THERE ARE A COUPLE ERRORS ON MY CREDIT REPORT WITH LATE PAYMENTS DURING XXXX, XXXX, XXXX AND XX/XX/2020 I WAS NOT LATE ON THESE PAYMENTS I ALSO HAVE A XXXX BALACE ( XXXX XXXX ) HAS A 30 DAY LATE ON MY CREDIT PROFILE I HAVE NEVER MISSED A PAYMENT WITH THEM