davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently submitted a request for investigation of several accounts, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. The other bureaus have already contacted me about most of these fraudulent accounts and have removed these accounts. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX   system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX   system that does not even contain my reasons for the dispute is not reasonable.
Consumer complaint received 2019-09-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

Working with a HUD certified housing agency, a loss mitigation application was submitted to PHH Mortgage through the HOPE Loan Portal on XX/XX/XXXX. As of today, XX/XX/XXXX, the file has not been reviewed by PHH mortgage. Meanwhile, PHH continues to move towards foreclosure.
Consumer complaint received 2019-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (DE)

So my loan was sold to PHH Mortgage. I am trying desperately to pay it. I called the number and waited for 40+ minutes. Now I am told that my loan is not set up so I can not get to it nor pay it. I was routed to someone in XXXX - I'm sorry wasn't it the US government that said that consumer credit is part of National Security? Not happy with my information being shared half way around the world. Gentleman,  condescending as he could be, told me not to worry, that there would be no late fee for 60 days. I asked for that in writing sent to my email - no can do. He also stated that a letter was sent from PHH Mortgage  on XX/XX/XXXX - never received. Nor did XXXX XXXX send me a notification. So I have a loan number but no account - ha! Please fix the banking system so there is some common sense and not just hands reaching into pockets for cash.
Consumer complaint received 2019-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

A few months ago I discovered that Experian was charging me a monthly fee of {$23.00} that I do not recall authorizing. At the time I experienced difficulty trying to get the payment cancelled. I located several telephone numbers related to customer service, but not once was I able to get in contact with a real person. The system is automated and is very limited on the options. There was no option to either speak to a person and/or cancel membership. This month I was again hit with the charge, even though on XX/XX/2019, I received notice that the membership was cancelled ( in response to an on-line notice sent by me to Experian. I was again billed in XX/XX/2019 and again this month, XX/XX/2019. On top of that, I initially tried to cancel membership as early as late XX/XX/2019, but was unable to contact anyone to handle this. After discovering the most recent charge, I wasted another hour trying to contact Experian Customer Service XXXX XXXX. I was able to log into my membership and discovered they still showed my credit card as active for billing purposes. I cancelled the credit card, so hopefully there will be no additional charges. I content Experian owes me refund for the last XXXX payments in the amount of {$71.00}.
Consumer complaint received 2019-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX ( Original Creditor : 11 XXXX ) 142
Consumer complaint received 2019-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (FL)

hello, since you responded to my last complaint that my loan is no longer with you - then that means that obviously at one point is was.

therefore, i am requesting AGAIN for any and all documentation you have regarding said loan. 

thank you.
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (GA)

I recently found out that a Citibank student loan was a " private '' loan that i had received while attending XXXX University. I was led to believe that all the students loans from that period were NOT private loans. When the loans were consolidated -- it was discovered that the Citibank loans were indeed private loans. 

I contacted Citibank and discovered that the loans were housed in their collection unit. I spoke with someone on the phone and asked for him to delivery to me of the original instrument of indebtedness in its original form. On XX/XX/2019, I received communication with the following information : application, promissory note, and disclosure statement. 

CitiBanks keeps re-aging these accounts to reflect current parameters and, upgrading to reflect negative information on my credit file. There is no Original Date of Delinquency listed on any of the credit files. 

I have sent communication to the three credit bureaus to delete unverified and inaccurate information, And, I have sent communication to Citibank, directly.
Consumer complaint received 2016-03-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BEXIL AMERICAN MORTGAGE INC. (AL)

Castle Mortgage claimed we didnt pay our first payment for our loan.This simply did not happen we have documentation that we payed not just on time but early. Since then Castle Mortgage has sold our loan to XXXX. We want to refinance and this is hurting our credit score.
Consumer complaint received 2019-11-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NV)

I have been trying to get my loan modified for close to a year. Freedom Mortgage has 2 layers of underwriters in place before the submitted docs make their way to the official underwriter who does the review for loss mitigation. I have submitted a full application on a few occasions to have been told that I have a complete file, then the file goes to another underwriter and they need additional information. I provide that, then they say it wasnt received. 
Every time I submit documentation it seems as if they are looking for something to reject their being a full package. 
Also, they keep scheduling my foreclose sale date 30 days out which doesnt give me enough time to get them a full package for them to review as per CFPB guidelines. 
Their process is not streamlined, I do not have a SPOC, and every time I call I get different information. I also have not been receiving mortgage statements, and I have asked for them on a number of occasions.
Consumer complaint received 2016-03-23
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Central Portfolio Control Inc. (TX)

this company keeps on calling my sister and harasses her that they are going to arrest me if she does not give them the message. they told her they are a debt collector however they should not have disclosed who they are. she keeps telling them to stop calling. they call her every week at the number noted. she is really angry and would like the calls to stop. I also would like them calling her as my reference.. they are rude and threatening her all the time. this is a 3rd party collection agency and have no idea who they are. please tell them to stop calling my reference and quit harassing her during day while she is working.
Consumer complaint received 2024-04-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

I made XXXX mobile deposits. One was a Personal check for {$1800.00}. And one was a money order for {$200.00}. When I went online e to check to see if they had been credited to my checking account I couldn't gain access. I called BMO. The clerk who answered told There was a hold on all XXXX of my accounts and I needed to speak with the fraud department. I tried calling them but it WAS the weekend. On Monday I called the fraud department and Was told it was indeed on hold and The clerk questioned me about what was the reason I got a check for {$1800.00}. What did I sell or Purchase. The only mention of the money order id deposited was they can be fraudulent too! I explained that I'd called the writer of the check and he told Me it had cleared his account already. 
The clerk told Me the hold was totally random and it was For the purposes of mitigating potential fraud. And told Me My account would be in the hold Position until XX/XX/year> possibly longer. That was Three+ weeks away. 
After stressing on this for four days i Called the fraud Department back to explain I had bills that were to be paid automatically plus all my other bills as Well that Needed to be paid. that's when she told that My account was suspected of fraud, not a random check! I Explained that the personal check had cleared already and asked If there was a Problem with the money order! She replied, I don't know, is there something you want To tell me?. This clerk treated me As if I was a criminal not like a customer of their bank. 
I then asked for a Supervisor. She put me on hold for about 10 minutes and came Back and said one wasn't available. I requested a call back and have heard nothing. 
Meanwhile I'm getting late fees on my credit card bills and its damaging my credit. My mortgage isn't paid, and I have no access to my accounts to buy basic living essentials. 
My request is they return my account to normal and pay the late fees I accrued because of this unwarranted extended hold on my accounts. I will Provide them with a detailed list of the bills that were missed and Late fee amounts. I want a Representative to call me To make this all right. 
.
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OR)

I have had an auto loan with XXXX XXXX XXXX since XX/XX/XXXX-account number XXXX. I have made every payment on time. They have only sparingly reported my payment history to the credit bureaus. Their address is XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 

I wrote them on XX/XX/XXXXasking them to report my credit history accurately. I received a letter dated XX/XX/XXXXstating that they were reporting the information accurately. 

I have written, Equifax, XXXX  and XXXX  asking that the missing information be reported. I have only heard back from XXXX which said the disputed information does not appear on my report. They said nothing about asking XXXX to provide it. 

I have a credit report service and it shows that none of the bureaus is reporting the XXXX account. 

Could you please contact XXXX XXXX XXXX and ask them to provide the missing credit history to all three bureaus? 

Thank you. 

Ps. I tried to enter the last 4 of my SSN and your system rearranged the numbers. My SSN is XXXX.
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I have had an auto loan with XXXX XXXX XXXX since XX/XX/XXXX-account number XXXX. I have made every payment on time. They have only sparingly reported my payment history to the credit bureaus. Their address is XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 

I wrote them on XX/XX/ asking them to report my credit history accurately. I received a letter dated XX/XX/ stating that they were reporting the information accurately. 

I have written, XXXX, TransUnion and XXXX   asking that the missing information be reported. I have only heard back from TransUnion which said the disputed information does not appear on my report. They said nothing about asking XXXX to provide it. 

I have a credit report service and it shows that none of the bureaus is reporting the XXXX account. 

Could you please contact XXXX XXXX XXXX and ask them to provide the missing credit history to all three bureaus? 

Thank you. 

Ps. I tried to enter the last 4 of my SSN and your system rearranged the numbers. My SSN is XXXX.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (WI)

I have been a Discover Customer with Positive Payment History since XXXX. After putting a Increase for Deposit Increase on my Secured Card that was a instant with my Authorized User that was originally XXXX XXXX XXXX XXXX which, is now XXXX XXXX XXXX  changed his name and I submitted name change documents and his bank was rejecting the Payment because the name was Primary on the Account with XXXX XXXX we have already fixed the Issue and he now has a Discover Card that I'm authorized on however during this Investigation Discover didn't allow me to make a Payment resulting in the 30 Day Late. I'm trying to better myself with a relationship with Discover to get a  unsecured card as well as, buy a House, and the removal of the Late Payment would help that that the Balance is Paid in Full. Please respond accordingly so I don't have to reach out to Discover CEO XXXX XXXX Executive Department
Consumer complaint received 2018-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

Unauthorized credit Inquiries listed on XXXX. 
XXXX  refuses to remove the unauthorized Inquiries. 
Told me I have to contact them to remove them. 
I'm a victim of identity theft due to XXXX  data hack My information was compromised Someone is using my identity.
Consumer complaint received 2016-11-29
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (ID)

My husband and I bought a XXXX through gm financial ( Americredit financial services ) in XXXX XXXX. We had been able to make the payments on time up until I was forced into early XXXX in XXXX. We missed XXXX and XXXX payment. We had looked into deferment and we were shocked to find that they were going to charge up almost XXXX dollars to catch our loan up. They have not been willing to help any other way. Rather than trying to help us get our loan current, they are calling us a total of up to 10 times a day between the two of us. They are making it almost impossible to catch up our payments and I am almost afraid to carry my phone on me because they are always calling me. I would strongly advise that their collection policies and deferment policies be investigated. This is not legal.
Consumer complaint received 2024-04-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (NC)

I had a forbearance due to being on a XXXX leave from my job. The forbearance ended and I did not realize it. I received a pre-acceleration notice from ECSI on XX/XX/XXXX giving me 30 days to either pay or resubmit a request for a postponement or deference or cancelation. I promptly submitted another forbearance application as my XXXX leave had been extended. 

On XX/XX/XXXX ECSI sent me an email informing me that I needed to contact them by XX/XX/XXXX to pay past due interest from the first forbearance in order for my application to be processed and if I did not do so by that time my application would be denied and I would have to reapply. I reached out on XX/XX/XXXX to make the arrangements to pay the past due interest in order for my application to be processed. Instead of being able to do so, ECSI informed me that my loan was placed in collections on XX/XX/XXXX, even though I had submitted a forbearance application well within the 30 day time period to do so. 

I asked the chat representative XXXX how to fix this and was repeatedly told the XXXX XXXX XXXX owned my loan and could send it to collections whenever they wanted. She also could not tell me whether XXXX still owned my loan or had sold it to XXXX XXXX XXXX. She also refused to allow me to speak with a supervisor. She told me I would have to call the XXXX number but they probably wouldn't do anything for me either. She also refused to give me any contact information for the XXXX XXXX XXXX to contact them directly. I asked if there were any options for XXXX accommodations for communication other than phone and was told there were not. 

I have attached screenshots to demonstrate the dates and conversation.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I received an email on XX/XX/2023 that an account was opened under my name with my social security with XXXX XXXX XXXXXXXX. I called them the same day ask received the email and they closed the account for me, they informed that the account was closed and they I should call up to the 3 credit bureaus to let them know. I did receive another email that they tried again the next day ( XXXX XXXX XXXX ) but it didn't go further than that. 

THEN, I received an email on XX/XX/2023, that someone had opened an account under Capital One. I called them, I informed them about an account that was opened using my security information, including legal name XXXX street address, email, and social security number. They verbally told me the account was closed, that it would take up to 3 months to fully close the account.
Consumer complaint received 2019-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (TX)

This company is trying to collect on a debt that is more than 10 years old. The original debt was from XXXX, I haven't had an account with them in years. The companies name is Source Receivables Management XXXX XXXX XXXX XXXX North Carolina XXXX XXXX. They put this account on my credit stating an open account XX/XX/2018 with a balance of {$580.00}. I got this information from off my credit report. I need to know the original charge off date and amount from XXXX and account number. I believe they no longer have this information because its too old. I believe this is a company that tries to collect on old debt than 7 years old which is illegal. I called the phone number listed for this company its not a good number. I found another number for them tired to call they were closed XXXX. I want this removed from my credit report and these people fined.
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Applied online in early XX/XX/XXXX for a personal line of credit. Also applied at other banks for a personal line of credit. In just a couple of days there was {$40000.00} in my XXXX XXXX checking account! I immediately went to my XXXX XXXX branch to staighten this out, as I never authorized {$40000.00} to be deposited into my bank account. I ended up going with another financing source and NOT with XXXX XXXX. Then I started to get monthly bills for interest starting in XX/XX/XXXX. I contacted XXXX again. These bills kept coming each month through early-mid XXXX. Turns out that XXXX was reporting derogatory non-payment info to the credit bureaus all these months! I kept getting told that everything will be corrected and that the bank made an error. This went on for approximately 22 months and I am still trying to get the XXXX line of credit history removed from all 3 credit bureaus. As to today, XXXX, XXXX has not cleaned up my credit report. I call and follow up constantly and I was told that WF is in the right. Also on XXXX, I found out that I was a victim of the XXXX fraud event that XXXX employees perpetuated ... .why did it take so long to notify me? WF is not cooperating with me to clear up the fraudulent line of credit history on my credit reports.
Consumer complaint received 2018-05-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (FL)

I have written to Diversified Consultant on several occasions, most recently XX/XX/XXXX, requesting validation of the debt. They not only stonewall and not answer my request as required by law but fail to mark the account as in dispute.
Consumer complaint received 2022-07-22
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX Account # XXXX, Account # XXXX, XXXX  # XXXX and XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the 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 instructions.