davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (WI)

On XX/XX/2020 I contacted customer service at Mr. Cooper to discuss the financial impact the COVID-19 pandemic is having on my ability to make my mortgage payments on time and in full. I own three rental properties, two of them which Mr. Cooper services the mortgages. I am aware that Mr. Cooper is currently offering forbearance ; however, after reviewing the terms of that program, I can clearly see it will place a tremendous financial burden on consumers at the end of the time period for which it is specified, namely, the accumulation of mortgage payments which will be due in full at the end of the forbearance simultaneous with attempted economic recovery by myself and other consumers. I do not anticipate having a large sum of money pay towards that amount. Therefore, I requested loan modification. I was informed the process could take up to 30 days per property. When I asked what to do about my inability to make my currently-due payments, I was not offered any viable solution and was told that fees will be assessed on late payments and my credit will also be negatively affected. I believe the time period for review and approval of loan modification is excessive, given the dire circumstances our country is in due to COVID-19. I have a mortgage with another lender ; they offered to immediately send documents for me to sign which would expedite loan modification for three months, which will provide great relief to my financial situation. I also believe Mr. Cooper 's threat of negative action against me is inappriopriately punitive. Further, I see Mr. Cooper 's program of forbearance as short-sighted, unrealistic and financially burdensome, given the extreme hardship that will impose on myself and other consumers.
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am currently applying with my bank, XXXX  XXXX XXXX, to refinance a property in XXXX XXXX. My representative total me what my credit scores are and I was suprised because they greatly differ from the scores provided to me by XXXX. XXXX  said that my score was XXXX before the lender pulled the score and after the lender pulled the score. I also asked a second lender who performed a soft pull (? ). Both of these lenders received a score of XXXX for XXXX. Even XXXX  ( XXXX to the Banks and XXXX to me ) and Trans Union ( XXXX to the banks and XXXX to me ) scores were different than the score given to me. Both banks received the same score - XXXX. 

Note, I paid XXXX  to see what your lenders see. Yet, the scores given to me were remarkably different that the scores given to the two banks. I dont know how this is not fraudulent. 

This has resulted in a higher interest rate of a {>= $1,000,000} loan, very frustrating. They tell you that you can " see you credit score, '' however, this is meaningless if the credit score they show you is different than the credit score that they supply to others. I am sure there are people who have paid these credit reporting agencies to access their files and to raise there scores ( At least that is what they advertise to borrowers. ), yet the information provided is not accurate and is horrifically misleading. I am sure that many borrowers are mystified when they are denied loans. All the while, these credit reporting agencies are raking the money in from millions of people with false hopes of being able to see what the lenders see. 

I have tried to reach XXXX, but their numbers are automated, recorded responses. There is no option that provides a human on the phone and no choice for a disparity between the credit report given to the lender and yourself.I have written a letter, and have not received a response. I asked my Bank to inquire why there is a difference and the bank said that it is always different. How is this OK?
Consumer complaint received 2022-11-05
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: BARCLAYS BANK DELAWARE (NJ)

On XX/XX/2022 - I sent a communication through the Postal Office, which was received by your company on XX/XX/XXXX indicating the incorrect information being reported by your company. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( XXXX ) such amount of punitive damages as the court may allow ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

A charge-off is a canceled debt - and according to the IRS Publication XXXX a write-off is Gross income to me, and there's no way for you to allow income on my credit report. 

I was denied as result a {$31000.00} Auto extension of credit for my household use, and this has resulted in great harm to my family.
Consumer complaint received 2020-03-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CA)

I asked my mortgage company to help me! My daughter was in a terrible accident she's in a XXXX. So I asked for a Modification, Terms of modification : 1. Lower your interest rate. 2. Reduce your mortgage balance 3.Lower your monthly payment amount. 4. Adjust your loan period. 5.Changing your loan type. 6. Qualify for harp assistants. which I don't. 
So they Doubled my payments and foreclosed on me. 
I am still on title and have the rears to pay, would like to be reinstated. 
Loan # XXXX Ocwen/PHH The trustee won't talk to me. 
XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Please help with implementing the Moratorium on Foreclosures & Evections. 
Thanks, XXXX XXXX XXXX
Consumer complaint received 2020-03-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Information Bureau, Inc. (FL)

I have gone back and forth with Doctor 's Business Bureau about a {$350.00} collection being reported to credit reporting agencies. This debt is a result of medical services provided to me. I have disputed the debt as I am an insured patient with 100 % XXXX/XXXX  coverage provided by my insurance. The facility ( XXXX XXXX XXXX ) was in-network for the annual/XXXX  XXXX  but out-of-network for the follow-up XXXX  resulting from an XXXX  detected in the annual XXXX. I was not informed that the second ( required ) follow-up XXXX  was an out-of-network service. In addition, I was required to sign the attached Assignment of Benefits in order to receive services during a medically and emotionally trying time. I am claiming that a reasonable person ( distraught or not ) would NOT assume that a facility is in-network for annual/preventative services and out-of-network for follow-up services resulting in an XXXX  from the annual XXXX. 



I was never given the option to dispute the debt. A few months after the services, my employer changed insurance carriers, and I never hear from XXXX XXXX again. Moving forward, XXXX XXXX XXXX assigned the debt to Doctor 's Business Bureau who proceeded to report the debt as a collection to credit reporting agencies and negatively impacting my credit. 

As a result of a recent request for Doctor 's Business Bureau to verify the debt and provide my authorization for XXXX XXXX XXXX to share my personal medical information with a third party, they submitted the attached assignment of benefits. 

I am reaching out for verification and validation of XXXX XXXX XXXX and Doctor 's Business Bureau 's debt collection practices. 

Please review the attached and provide insight to help me amicably solve this matter with Doctor 's Business Bureau or provide the contact information of an agency that can support me with this matter. 

Thank you in advance.
Consumer complaint received 2020-03-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ragan & Ragan, PC (GA)

RAGAN & RAGAN is attempting to falsely collect an inflated amount from a XXXX Credit Card which was {$550.00} and attempting to collect over {$1000.00} and have threatened me and my family with legal actions. I also was not informed properly regarding a default judgement which they coerced the XXXX County Magistrate Court to issue when I was not informed there was a hearing date. This is also a form discrimination and retailiation because I filed a prior CFPB complaint regarding their discriminatory business practices. Now they are attempting to collect on monies not owed to them after purchasing the XXXX account for Pennies on the dollar. They are threatening me as a U.S. Citizen and U.S. Veteran and am requesting that they cease in their maneveurs against me. The Default Judgement should not have been issued and I am disputing the Default Judgement to have the courts reverse their illegal actions. They are also taking advantage of the fact that I am currently unemployed and seeking other illegal means to get monies not owed to them. They discriminate against XXXX XXXX XXXX  and can not stand to see a XXXX XXXX XXXX  fare well in the United States. Also, when I was attempting to go to court to defend myself last year, I requested a Continuance on the case since I exchanged emails requesting this to be granted due to my daughter who was hospitalized in XXXX  for over 34 Days due to a debilitating medical condition which affected me and my family since 2016 and they are now attempting to further coerce and take advantage of the system illegally even during the Coronavirus Crisis because they care nothing about others but themselves and are driven by greed! Absolute Greed for money. I have a XXXX Daughter and XXXX Husband who is also a Veteran whom I caring for as well and this is a malicious act by Ragan & Ragan and Double-Jeapordy as well. 

Also, a lawyer from XXXX attempted to contact them and they are also friends with a lawyer which previously worked my case and are now coming after me through retaliatory means as well which is illegal!
Consumer complaint received 2020-03-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CO)

This complaint involves Experian and a lack of ability to address a hard credit inquiry issue. First issue I have with the process is sharing all my identity information with the Experian telephone employee in XXXX XXXX. As you are well aware, this is outside the U.S. and U.S. laws. I am in the process of getting a mortgage over the past year and a half. Each 90 days the two mortgage companies I am working with are pulling a hard credit check. I was not aware they were doing this to keep my file up to date and as a result, my credit score is suffering. Experian said they could do nothing about hard credit inquiries since, by law they had to report them. The two week forgiveness period for multiple hard inquiries is not enough. It should be extended to the same institution for the same loan process/application. And Experian or other credit bureau should be able to address the issue with the client.
Consumer complaint received 2020-04-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I submitted a dispute with EQUIFAX regarding an account that is not mine and it has been more than 60 days and no response from them.Equifax disregarded the law by not responding to consumers disputes.
Consumer complaint received 2020-04-04
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. (MO)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX- Fradulant XXXX XXXX- Fradulant XXXX XXXX XXXX Fradulant XXXX XXXX XXXX XXXX Fradulant XXXX XXXX Fradulant XXXX XXXX-Fradulant XXXX  XXXX XXXX  XXXX Fradulant XXXX  XXXX XXXX Fradulant XXXX XXXX Fradulant XXXX XXXX XXXX- Fradulant XXXX XXXX Fradulant XXXX XXXX XXXX Fradulant
Consumer complaint received 2020-04-04
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. (MO)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX- Fradulant XXXX  XXXX- Fradulant XXXX XXXX XXXX Fradulant XXXX XXXX XXXX XXXX Fradulant XXXX XXXX Fradulant XXXX XXXX-Fradulant XXXX  XXXX XXXX  XXXX Fradulant XXXX  XXXX XXXX Fradulant XXXX  XXXX Fradulant XXXX XXXX XXXX- Fradulant XXXX XXXX Fradulant XXXX XXXX XXXX Fradulant
Consumer complaint received 2020-03-25
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. (TN)

Recently, I applied for credit recently and was denied. I XXXX on an military XXXX when these items were placed on my credit file. This has really place me in a bad stated as I am trying to all things settle back in with my life.
Consumer complaint received 2020-03-25
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. (TN)

Recently, I applied for credit recently and was denied. I XXXX on an military XXXX when these items were placed on my credit file. This has really place me in a bad stated as I am trying to all things settle back in with my life.
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX  is attempting to collect on a debt I do not owe. I had no idea this debt was on my credit file until I checked my credit. However I immediately paid the debt as soon as I found out. I believe XXXX XXXX is in my violation of my 30 day right to dispute & feel that account needs to be removed.
Consumer complaint received 2020-03-25
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. (CA)

I am filing this complaint because TransUnion has ignored my request, to provide me with the documents that their company has on file, that was used to verify the Late Payment I disputed. Being that they have gone past the 30 day mark and can not verify this Late Payment, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. " Please resolve this matter as soon as possible, Thank you.
Consumer complaint received 2020-04-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a dispute with TransUnion regarding and account that is not mine and it has been more than 60 days and no response, TransUnion disregarded the law by not responding to consumer disputes, hopefully this will be the last time they do this.
Consumer complaint received 2020-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (SD)

Once I paid off all my student loans through fedloanservicing, I am unable to review any of my loan history - I can't see payment history, capitalizations, interest accruals, nothing. 

Since XXXX, I have sent countless messages through their online system, I have called, I have gone through other avenues for them to send me my full account history since it all of a sudden disappeared once my loans were paid off. 

I never got a message back - just an automated email telling me I can find that information through the portal. No. No I can not. It is unavailable because I paid the loans off. 

When I called, I was advised they would be sent to me via mail. They were never sent to me via mail. 

I have been waiting since XXXX.
Consumer complaint received 2022-11-04
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 — Was not notified of investigation status or results
Company: Self Financial Inc. (GA)

Ive been paying on time with Self Lender since XXXX XXXX with auto draft and Ive just notice today via looking on XXXX that the company hasnt been reporting payments to XXXX, and per the company they report to XXXX, XXXX, and XXXX. My XXXX 2022 payment hand t report either. I contacted Self via chat today and she per CSR they have been notified about this and issue is being investigated by escalation team, but nobody has never reached to inform me. Had Id not check via XXXX  I wouldnt havent know. The purpose of the sign was to help improvement Credit for all 3 credit bureaus.
Consumer complaint received 2020-03-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp (MA)

sent a email to landing club for they hold times on phone go on and on, i have been on hold total 6 hours in one week  .understand volume is high but this is ridiculous. sent a directive to cease auto debit .to date they refused to comply and have to tried to debit my checking, i have sent numerous email without a fix, also looking for deferment they offered online yesterday but has since dissapeared .when you call they refer you to the website but i cant complete deferment there now where yesterday it was offered
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (FL)

I sent a letter requesting the following information XXXX. Original account number XXXX. Original name of creditor XXXX. Date account was opened XXXX. Date of last payment XXXX. Amount of the original debt XXXX. Itemized statement showing full history of account XXXX. Proof of chain of title that you own the debt XXXX. Copy of contract with my signature guaranteeing I will pay this creditor I got no response from collection agency.
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION (NC)

Called Navy Federal CR Union several times to ask why did three accounts still show potentially negative on my credit when I pulled my eperian credit report after the three accounts were paid in full and never late. Shows account ic closed and paid in full but still says potentially negative.
Consumer complaint received 2022-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America stated that I had opened an account in XXXX I never did I was homeless in XXXX with no income. I just started receiving income via Social Security XXXX. In XXXX my account was compromised and now my balance is negative {$290.00} because they did a reversal credit stating that I was the one that made those transactions. Then XX/XX/XXXX I received an alert that XXXX XXXX had taken {$15.00} from my account I don't even have a XXXX XXXX account. The card that was used to take the money out of my account was the old debit card ending in XXXX that card was compromised and they issued me another card but yet they still are blaming me. Someone withdrew money from an ATM or somewhere and they're saying that I did it. I'm on a fix and come and prior to them meaning Bank of America I had XXXX XXXX I did not have Bank of America. I also had XXXX XXXX  and XXXX XXXX prior to XXXX XXXX. The people in the fraud department did not do no investigation. I had to get new health insurance I had to get a new phone I had to get a new email address and all because my account was compromised via XXXX XXXX and now it's happened again and Bank of America are accusing me. The guy that I spoke with at the fraud department stated it was denied and the credits were reversed because they said the card was in my possession but the card was not in my possession I clearly spoke to the representative and told them that and she was supposed to reopen the case she never did it's lie after lie after lie and I'm sick of it. XXXX XXXX did indeed refund me back my money. They apologize because they realize it was fraud.
Consumer complaint received 2020-04-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I did a dispute with Experian regarding an account that is not mine and it has been more than 60 days and no response. Experian disregarded the law by not responding to consumers disputes, hopefully this will be the last time they do that.