davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MO)

Missed work due to a natural disasters and then a c person contacted us from Ocwen mortgage that turned out to be a scammer lost XXXX dollars tried to get a modification or repayment plan or forbearance denied all said they sent out a letter never received so don't even know the reason we were denied they said it was in the letter .now our payment has gone up almost XXXX dollars a month mortgage company says insurance increase but now we have a letter saying insurance cancellation because of none paymen.we our at our ends we don't want to lose our home we have been in for 15 years feel we our being screwed we have just fell on bad times and want to workout a deal please help I don't know what else to do so many scammers out there afraid of them and they say I should not have to pay for modification help thank you XXXX XXXX
Consumer complaint received 2023-07-27
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. (AZ)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.
Consumer complaint received 2022-02-17
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)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-06-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: AMERICAN EXPRESS COMPANY (NC)

On XX/XX/XXXX After getting XXXX  lost my debit card and I called Bluebird express to report card lost and get replacement card they said to expect card by XX/XX/XXXX then when I called back they my account was restricted? On XX/XX/XXXX My Va XXXX someone use all of it up I call back and They wasn't accept called check my balance XXXX XXXX gone XX/XX/XXXX same things.I write them and ask they closed my account? They did not I send a cancel Direct Deposit Va it just got process XX/XX/XXXX money was send XX/XX/XXXX I lost 3 Checks XXXX my only source of income.Bluebird is a company of America Express Pre Pay Card ripped me off of 3 checks. 
XXXX XXXX XXXX
Consumer complaint received 2019-04-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TX)

Every time I visit Navient 's website to do anything other than make a payment, there are issues with the site. I have been trying to submit an online in-school deferment. 
I log into my account. 
Click tools and requests Click go to documents & forms ( this link opens another page requiring to log in, only to bringing you back to your main account page ) Instead of being able to easily enter my in-school deferment online as it seems I should be able to do based on their website, I get stuck in a loop that never takes me to the deferment request, forcing me to take a longer process.
Consumer complaint received 2019-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Recently, a Lender informed me that a Closed automobile loan on my Transunion Credit Report contained an INACCURATE Derogatory Remark ( See Attachment 1, Excerpt from my current Transunion Credit Report ) ; The INACCURATE Remark reads as, Ch XXXX Reaffirmation of Debt. In XX/XX/XXXX, I filed a Chapter XXXX Bankruptcy, which is now 9 years and 7 months old ( See Attachment 2, Excerpt from my current Transunion Credit Report ). During my Ch XXXX Bankruptcy filing in XX/XX/XXXX, I Reaffirmed this Automobile Loan ; I did not miss a payment Pre-Bankruptcy or Post-Bankruptcy filing. In XX/XX/XXXX ( 7  years ago ) I paid this Automobile loan IN FULL, at that time it was no longer a Ch XXXX Reaffirmed DEBT, but became a PAID AND CLOSED account. Both my XXXX and XXXX Credit Reports DOES NOT show this REAFFIRMATION OF DEBT remark on this same account. I disputed the deletion of this remark, on this account with Transunion some years back, and thought it was taken care of. Apparently the remark was not deleted, or maybe it was placed back on the account. This Credit Account is VERY IMPORTANT to my Credit Profile, it is my oldest ( 13 years ) GOOD STANDING credit account.
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX, Transunion, and XXXX all have information on my credit report stating that the age of my credit score is between 1-3 years which negatively impacts my score. I have a paid off car loan that is in excellent standing that was opened in 2012 that none of these 3 XXXX companies will put on there, BUT they sure will put information that's not mine like credit inquiries that don't belong to me and charge me for $ XXXX for XXXX or transunion.com that I never signed up for. That in itself is fraud! They also will keep addresses on there that are not mine and names that aren't mine and credit inquiries that I never authorized. WHO MADE THEM THE AUTHORITY ON CREDIT SCORES??? AND BY THE WAY, they sure can let our personal info be leaked to every person on the big black web can't they?? They couldn't protect a dog collar 's information from a blind person in Braille.
Consumer complaint received 2019-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: COAST PROFESSIONAL INC (CA)

Basically, the account has been mishandled from the beginning, terms werent clear. I feel the loan was deliberately prolonged in order to assess more fees and interest. I am leery as to making any type of agreement. I dont believe my case is being handles without prejudice and the information is incomplete or inaccurate. I am currently a XXXX XXXX XXXX and this is effecting my progress. There have been more attempts to collect and little to no attempts to resolve or settle. I am conserned the school i was attending misappropriated funds or even neglected to return proceeds ; Without my knowledge or consent. The debt is 12years old.
Consumer complaint received 2019-09-19
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. (PA)

These accounts were done under fraud and I have disputed these accounts and they are affecting my livelihood. I first realized the issue when I found addresses on my credit report that did not belong to me : XXXX XXXX XXXX XXXX XXXX, PA XXXX, any accounts connected to this address are not mine and need to be removed. The accounts have violations of the Federal Credit Reporting and the fair Credit Debt Act. These accounts are causing financial hardship in my life. Its been a violation of my eight amendment United States Constitutional rights by which its caused suffering. These creditors have utilized predatory lending acts and practices that have caused me not to secure adequate housing and reliable transportation. Im an indigent person now that the Credit Reporting agencies fail to investigate and correct my disputes. If my issues are not corrected I will be forced to escalate this matter to Federal court. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (NJ)

I was in negotiations for a short sale with my orignal loan servicer, XXXX. Initially I had applied for a modification but then decided it might be best to do a short sale. While negotiating, the lender had a sheriff sale date of XX/XX/XXXX. On XX/XX/XXXX I was notified by XXXX that my loan was being transferred to Selene Finance and that I would have to begin negotiations with them when they officially became the Servicer ( XX/XX/XXXX ). Upon the loan being transferred, Selene wasn't open to negotiating since it takes time for them to upload the loan into their system ... I was told it would take 1 week minimum. In the meantime, the Sheriff sale was pushed back to XX/XX/XXXX and I am short for time to either get a modification or a short sale done.
Consumer complaint received 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc. (FL)

I have a credit lock on my account because of prior hacking. For some reason Experian does not have my phone number in their database, so when I try to lease a anew vehicle for example, people can not contact me to confirm the transaction. I have called Experian many times to rectify this, and each time they assure me the phone number has been added, but it never is. Last time I talked with them to rectify this was early XX/XX/2019. I spent a long time on the phone with multiple people at Experian who assured me this time it was corrected. I now find it has not been, and it is causing me credit issues again. What do I have to do to get Experian to work for me instead of against me?
Consumer complaint received 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (SC)

First, SLS LLC is reporting my home mortgage account summary and all monthly payments with the following comment " ADDITIONAL INFORMATION - Real Estate Mortgage ; Loan Modified Under a Federal Government Plan ''. This is correct, it was under XXXX and, as such, is a negative reference. The modification was done in XXXX and, since over seven years have passed, the statement should be removed from all Credit Bureau submissions by SLS LLC. 

Second, SLS LLC is reporting the payments made in XX/XX/XXXX and XX/XX/XXXX were less than the scheduled amounts. Also, in XX/XX/XXXX, they show no scheduled nor paid amounts. Since SLS LLC has been autodrafting my checking account since they acquired my account from XXXX XXXX, the scheduled payments and paid amounts should always match.
Consumer complaint received 2019-04-28
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. (NV)

Experian report # XXXX for XX/XX/19 XXXX XXXX XXXX card ending account # XXXX of credit card. does not show update for XX/XX/2019 and XX/XX/2019 {$0.00} Balance
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated. So, please update these accounts due to the inaccuracies that are being reported.
Consumer complaint received 2019-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BARCLAYS BANK DELAWARE (MI)

XX/XX/XXXX I purchased XXXX XXXX smartphone at {$890.00} with the tax amount of {$53.00}. Total amount is {$950.00}. 

XX/XX/XXXX The price of XXXX  XXXX smartphone is reduced from {$890.00} to {$740.00} by {$150.00}. The promotion term was : Save {$100.00} on XXXX XXXX or save {$150.00} on XXXX XXXX XXXX. Starts XX/XX/XXXX at XXXX PT and ends XX/XX/XXXX at XXXX PT, while supplies last and subject to availability. US residents only. Must be 18 years or older. Unless otherwise stated, offerer can not be combined with other offers and is not transferable. Purchase must be made on XXXX XXXX US. Not valid for cash or cash equivalent. Void where prohibited. 

XX/XX/XXXX I filed a claim for price protection # XXXX with the MasterCard Assistance Center. 

XX/XX/XXXX I received {$53.00} amount of check. 

XX/XX/XXXX I called MasterCard Assistance Center ( XXXX ) to clarify the claim amount as {$150.00} NOT {$53.00}. And they say they will report to the claim examiner. 

XX/XX/XXXX I again called MasterCard Assistance Center about the claim. Claim examiner said the promotion terms are not valid price because they are just terms. 
I claimed the store website showed only the original price and discount amount as terms so I attached the valid promotion terms but it was rejected.
Consumer complaint received 2019-04-28
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. (MO)

I'm disputing these unauthorized accounts, and I have before but for some reason the three ( 3 ) major credit bureaus are still reporting these unauthorized accounts, and if you can not provide me with physical documentation then as stated within the FCRA, I'm demanding that these accounts be blocked immediately from my credit report ... please remove these following accounts ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX ( 3 ) XXXX/ XXXX XXXX ( 4 ) XXXX XXXX {$2300.00} ( 5 ) XXXX XXXX {$1500.00} ( 6 ) XXXX XXXX XXXX {$1500.00} ( 7 ) XXXX  XXXX XXXX XXXX {$790.00} ( 8 ) XXXX XXXX XXXX {$760.00} ( 9 ) XXXX XXXX XXXX {$150.00} ( 10 ) XXXX XXXX  ( 11 ) XXXX XXXX XXXX
Consumer complaint received 2019-04-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (MI)

On Sunday XX/XX/29 I received a text alert from XXXX XXXX that a collection account was added to my credit report from XXXX XXXX. I was not notified by mail that they were attempting to collect this 6 year old debt. Therefore I was not afforded the opportunity to ask for proof. This was placed on my credit report instead before I was afforded the opportunity to dispute this. The original creditor was XXXX XXXX for {$280.00}.
Consumer complaint received 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

on XX/XX/XXXX at approximately XXXX : XXXX I received an alert with the new inquiry on my credit report I was asleep at the time from Capital One I already have a debt with Capital One why would I apply for something from them again this is not me I don't know what happened but I need that inquiry removed because I am trying to repair my credit
Consumer complaint received 2019-04-28
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)

Last month I have disputed these unauthorized fraudulent accounts that has been on my credit report for some time now. These accounts are not known to me, I'm a junior with a very common name, not sure if this caused the mix up but I'm hoping that the credit bureaus straighten it out. I'm demanding that these accounts be blocked immediately so that my true credit data will reflect my true credit status. Please block the following accounts ... [ 1 ] XXXX XXXX [ 2 ] XXXX XXXX XXXX [ 3 ] XXXX XXXX XXXX XXXX [ 4 ] XXXX XXXX {$230.00} [ XXXX ] XXXX XXXX XXXX Please provide certified physical documentation of these accounts or please block them immediately and permanently.
Consumer complaint received 2019-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NJ)

Filed billing dispute with Discover card on or about XX/XX/XXXX, with an amount of {$68.00} under dispute reference number XXXX. Accordingly, Discover emailed me on XX/XX/XXXX advising the dispute has been resolved in my favor. Also, per the website of Discover card, I am cutting and pasting the following : ( Rather than crediting my account for this purchase, Discover card recharged my account for this purchase ). 

Resolution Date XX/XX/XXXX Description XXXX XXXX - NJ XXXX XXXX NJ Amount {$68.00} Dispute # XXXX Current dispute status is Dispute DateXX/XX/XXXX Status Updates XX/XX/XXXX Dispute resolved in your favor This case has been closed in your favor, as we have not received a response to our request from the Merchant. A credit will be applied to your account, and any temporary credit previously applied during our investigation will be reversed. Any interest or fees that may have been added you your account as a result of this issue have also been corrected.
Consumer complaint received 2019-04-28
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. (IL)

My identity has been compromised, and that lead to unauthorized accounts on my credit report, accounts such as 1 ) XXXX  XXXX {$490.00} 2 ) XXXX XXXX XXXX {$270.00} 3 ) XXXX   XXXX XXXXXXXX 4 ) XXXX XXXX XXXX {$390.00} 5 )  XXXX/ XXXX XXXX IN Please investigate this and send me the Method of Verification used, or remove the accounts immediately.
Consumer complaint received 2022-07-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MO)

On XX/XX/2022, I sent {$400.00} via Zelle to XXXX by originating the payment from my XXXX checking account for two concert tickets. The recipient confirmed he received the payment as we communicated over the phone and text message. The Zelle transaction number is XXXX for {$400.00}. The recipient disappeared after repeated attempts to contact him and never provided the concert tickets to me. I notifi ed XXXX and they originally told me the transaction was covered. Upon additional conversations, they told me that I should not use Zelle for such a transaction and the funds were unrecoverable. I also made numerous attempts to contact Zelle ; however, they make it nearly impossible to submit a claim or report the fraudulent issue.
Consumer complaint received 2019-09-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Being sued for a judgement for previous cred card debt to bank of america, in the amount of {$2900.00}. I am XXXX, legally XXXX, and my only income is my XXXX XXXX XXXX. After contacting a local law office, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX, i was told that this judgement would allow bank of america to garnish my social security and put a lien on my house until the debt had be repaid.
Consumer complaint received 2020-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

The banks sends out automatic notices every year to the customers to provide insurance regardless of history, loan to value etc. The bank doesn't try to get insurance policies directly from the previous year broker on file. The bank make it purposefully difficult to provide existing insurance policies and customers have to fax/upload insurance policies multiple times and confirm receipt via phone.The bank automatically creates escrow accounts knowing the majority of customers doesn't respond or provide incomplete information to their policy. The bank then charge customers for insurance policies above market rate to earn higher commissions from the insurance to take advantage of consumers. Most of the insurance policies they take out are double coverage and rates because consumers already have insurance on the property. 

In XX/XX/XXXX I realized that the bank added insurance to the escrow account for years without notifying me. All communications was wrongly sent by the bank to my tenant at the rental property which wasn't the billing address on file. The bank already had my previous policy on file knowing that the HOA cover all insurance for the policy. 

In XX/XX/XXXX I asked the bank to forward me the correspondence with XXXX XXXX to request my policy. The bank faxed me a document with hundreds of pages of sensitive information of every mortgage holder that also has a insurance policy with XXXX XXXX. 

See the attached proof of insurance for the exterior and interior of the home which I provided multiple times. The bank doesn't except the policies and keeps on charging me for insurance. 

I have multiple mortgages with multiple banks. In my experienceFreedom Mortgage is taking advantage of lower income consumers that doesn't have the expertise and resources to resolve the administrative burden that the bank creates.
Consumer complaint received 2019-04-28
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. (PA)

Equifax has received two letters on XX/XX/2019 and XX/XX/2019 Respectively. I ask for the verification on a supposed bankruptcy that is on my credit report. They came back that it was verified per XXXX XXXX. They refused to provide me the person, address and the person of whom they spoke to, to verify this. They have violated the Per the FCRA 623 ( a ) ( 5 ) : I have written prove that it does not exist on my XXXX XXXX  file. Therefore it should be removed immediately..