davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX is America 's largest sub prime car loan company, who has been challenged in court by the attorney generals office. Per a lawsuit by 34 states including Florida, XXXX was found and has since admitted to wrongful unethical practices that led consumers like me, into loans that were purposely granted for the sole purpose of financial entrapment. thus, leading to early payment defaults. I have been notified by Florida attorney generals office that my loan is subject to receive a deficiency waiver due to their findings in my my case, as well as an additional monetary settlement. I have reached out to XXXX over 47 times, and to no avail, I have ad few representative that have tried to help me to the best of their ability, but have gotten nowhere. I have reached out to 4 major credit bureaus, I have disputed this particular account numerous time with each CRA, my reasoning was inaccurate information and account was in litigation and was found to be in the favor of the consumer ( myself ). I included copies of both complaint/ judgement and proof of my claim in the settlement. under the settlement XXXX was ordered to do balance waivers to those who had defaulted with in the first 12 months, I first defaulted in XXXX of XXXX, less then 6 months of purchasing the vehicle. XXXX continued their deceit in masking when my original default was by stating it was in XXXX of XXXX, when in fact it was in XXXX XXXX XXXX, and continued to default 13 times after. there are several in accuracies as I have stated before, the judicial orders aren't being followed and XXXX XXXX blatant carelessness to follow court orders and FCC regulations is unethical. I have attached all the lawsuit, claimant correspondence forms and CRA documentation and unique claimant form from the Florida Attorney Generals Office as evidence. 


account number XXXX XXXX XXXX XXXX XXXX ssn
Consumer complaint received 2020-11-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OH)

XX/XX/2020 PPH Mortgage Services XXXX. XXXX XXXX XXXX. XXXX, New Jersey XXXX Re : # XXXX XXXX XXXX XXXX XXXX, Ohio XXXX To whom it may concern : I am asking for forbearance on my loan # XXXX. I don't have work because of COVID -.19. I am not making an income. I do XXXX and XXXX XXXX, and people won't let me in their homes because of covid-19, even with a mask. Also, people are out of work and are not doing XXXX XXXX, therefore, I don't have any income. I have been struggling financially since XXXX of this year. I believe I should obtain a forbearance for 180 days. Under the CARES Act, it gives me the right to forbearance. I barely make enough money to pay for my utilities each month. I never imagined that I would be in this terrible financial situation. I dont like asking for help, but I do need your help, otherwise, I would be homeless. 

This is very humbling to me. Please grant my forbearance for 180 days. 

Thank you, XXXX XXXX XXXX Loan # XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX
Consumer complaint received 2020-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Onity Group Inc. (CA)

On XX/XX/XXXX, I signed a settlement agreement with PHH Mortgage to voluntarily vacate a rental property located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, by XX/XX/XXXX. The settlement agreement stipulated To the extent permissible by applicable law, PHH shall remove all negative reporting entries regarding the subject loan number XXXX from Borrowers credit report. 

In XX/XX/XXXX, PHH reported the following negative information on my XXXX credit file : PHH Mortgage XXXX XXXX Balance : {$410000.00} Date of Last Payment : XX/XX/XXXX Past Due Amount : {$91000.00} Account Status : 120+ DAYS PAST DUE PHH Mortgage has not only breached the settlement agreement, but have caused compensatory and general damages. I was in the process of refinancing the loan on my principle residence in order to regain financial stability when PHH Mortgaged reported foreclosure activity on my credit file. As a result of the negative reporting, I have been denied a refinance because of the foreclosure activity on my credit file and it has greatly impacted my credit score negatively. My credit score has decreased by 79 points because of the foreclosure activity reported on my credit file. 

It was critical for me to refinance my home because I lost income due to COVID. More importantly, it was critical for me to refinance my home in order to continue to support XXXX children who are in College and dependent upon me for their college tuition and housing. My childrens college tuition and housing was jeopardized when I was denied a refinance. My family and I have been seriously impacted financially because PHHs actions and breach the settlement agreement. 

I have filed 2 disputes with XXXX with an effort to get the foreclosure activity removed from my credit and PHH Mortgage responded to the dispute by verifying that the current status if being reported correctly. PHH has verified to XXXX that the prior paying history is being reported correctly. I have also attempted to get this matter resolved by contacting your Loss Mitigation and Customer Resolution Departments and no one can or will assist with resolving this issue. 

Attached to this letter is the settlement agreement and a copy of 2 letters from XXXX with the dispute results. 

Lastly, PHH Mortgage have failed to remove my name from title of the subject property and have pushed out the sell date to XX/XX/XXXX. This is the second time the sell date has been pushed out. Im inundated with phone calls from mortgage rescue companies inquiring about the subject property, which has caused unnecessary aggravation and stress.
Consumer complaint received 2018-04-23
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. (MI)

I do not have and have never had an account with XXXX. XXXX is now reporting this debt to XXXX XXXX. I do not own a home nor do I rent, and it is impossible for this bill to have been mine. Someone must have used my information. 

I am demanding that I be sent the original documentation that has the account information so that I may file a proper police report.

The account was opened XX/XX/2017. 
Company : XXXX Balance : {$1400.00}
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: VYSTAR CREDIT UNION (FL)

I looked at my XXXX credit profile and seen that there were unauthorized inquiries XXXX XXXX XXXX Vystar Credit Union XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I am in receipt of the letter dated XX/XX/2023 in response to my reinvestigation of the dispute ( s ) below. I am in disagreement with your decision. I requested you provide me the information you used to verify and validate these accounts. How can you decide if these accounts are accurate without an original contract with my signature? This account can not be validated in accordance with the Fair Debt Collections Practice Act. If this account is from the same creditor how are you able to verify and validate information that the other bureaus could not? By Federal law these accounts should be reporting consistent across all three bureaus, which it is NOT. Proof you have NOT done a proper investigation, FAILED to protect my consumer rights. You refused to correct this information which is a direct violation of FCRA 15 U.S.C 1681.You have violated my consumer rights.

According to Fair Credit Reporting Act ( FCRA ), everything on my consumer report/ credit profile must be accurate, and verifiable. If after reinvestigation the item information is found inaccurate or incomplete or can not be verified the consumer reporting agency must DELETE the item.
Consumer complaint received 2020-09-25
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 — Investigation took more than 30 days
Company: Goal Structured Solutions, LLC (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2023-06-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

I was banking with, Chase aka JP Morgan bank, I had them as my main source for XXXX transfers and for direct deposits from my job. On XX/XX/2023 at XXXX I realized that my check wasnt in the chase account, I called chase immediately and a young girl picked up the phone and asked me for my info and the reason of my call and I advised the young girl about my direct deposit from my job, where is it? Then she was like, let me look into your account to see whats going on and she placed me on hold and then comes back from me being on hold and starts reading a script on her end with a nasty attitude and she told me that chase no longer banking with me and that she doesnt have to give me any explanations on why chase closed my account, she stated that she isnt obligated to tell me whats going on and that she doesnt have to answer to me or any other questions because we are no longer associated with you. I then told her that I wanted to speak to a manager because WHERE IS MY DIRECT DEPOSIT and she was still very nasty, the manager came on and totally wasted my time and hung up on me I call back and another chase rep says the same and also states theyll be sending out a cashiers check if theres a check and I dont want a check I want my money! I then went into the branch and a banker calls the back office and tries to help me get my paycheck from my job and they were telling the banker that only a branch manager can grant me my paycheck banker tells back office that branch manager is out for tthats my only source of income and they kept apologizing but yet not fixing the issue, I was advised by XXXX from the branch of chase to go to another branch of chase on XXXX XXXX FL I get there, I asked for the branch manager she comes out and I explained and expressed to her what was going on, that my deposit is in the supposed restrict closed account and with {$1900.00} in IT. Long story short the branch manager could not help me and now Im in the whole with rent light & water bill lack of sleep, food, XXXX, and the XXXX XXXX. Chase wont give me my money back and I want and need it now for bills and people that need to be paid. What chase is doing is complete FRAUD. Theyre holding money that does not belong to them and that is a problem by law!
Consumer complaint received 2020-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

As of XXXX, 2020 I was put on a COVID relief program that ensured I would not be impacted by loss of income nor pay any fees related to a lay-off. Capital One confirmed and sent me a letter stating that I would be on a forbearance for 3 months with no credit reporting until then. The next month, XXXX, 2020 they did so anyway. After contacting them they basically said get over it were not correcting this because we updated all COVID-19 agreements with everyone and changed it without notice. I should have got a new agreement aside from my initial one.
Consumer complaint received 2020-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information on my credit report over 30 days. I have not received a response. I feel like I am being taking advantage of and ignored regarding my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 45 days. Which mean it should be deleted immediately. If they are not deleted from my credit report. I will file for litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have got into the hands of someone else.
Consumer complaint received 2020-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information on my credit report over 30 days. I have not received a response. I feel like I am being taking advantage of and ignored regarding my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 45 days. Which mean it should be deleted immediately. If they are not deleted from my credit report. I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX data breach and may have got into the hands of someone else.
Consumer complaint received 2023-09-04
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

XX/XX/2023 I applied for Hone Depot credit card and I was denied they said due to the reporting agency XXXX, XXXX stating I have bad credit and number of delinquency and so on. I have real good credit and I have no idea what they are talking about and going on. I have an account with XXXX and I have good credit.
Consumer complaint received 2020-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information on my credit report over 30 days. I have not received a response. I feel like I am being taking advantage of and ignored regarding my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 45 days. Which mean it should be deleted immediately. If they are not deleted from my credit report. I will file for litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have got into the hands of someone else.
Consumer complaint received 2019-06-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CT)

My four loans ( 1 per year ) ranged in interest from 3 % to 4.25 %. Rate did not change from XXXX when I first got the loan, until XXXX when Sallie Mae changed to Navient. In XXXX is when I noticed my rates beginning to rise. Currently my rates are 5.5 % -6.5 %  and only raise. They are variable rate, however only go up. When the prime or libor rate drop, my loans don't. However, my rates go up when prime and libor go up even when they have not exceeded their previous mark. for example in XXXX the rates were at all time highs. Now they are half of what they were 10 years ago, but my interest rate has doubled. 

Additionally, one of my places of employment closed for 6 months last year. The only option I was offered was forbearance. Now customer Service tells me I would have had other options, but did not disclose what they would be. 

Each rep I speak to simply states a blanket statement, I assume from their prompt screens, that state when rates go up, so does my interest. Nobody including customer service reps, supervisors, managers, or the current advocate assigned, has been able to explain why I don't benefit when rates go down. Also, depending on whom you speak to, they can't tell me if my rates are based on prime or Libor, they are unable to explain what my base rate is, they just say base plus prime or libor. As a matter of fact, the last person I spoke to said prime is currently 5 %. At that time, my loan rate was 5 %, and they did not know what my base rate is. 

I asked for my original loan amortization schedules. I'm told they are not available because they are 'too old ' and with a variable rate it can extend the life of the loan. I believe my first payment was XXXX of XXXX. I should be done with repayment in XXXX of XXXX. Currently, they show XXXX of XXXX. 

With incorrect and unjust interest changes, there is a significant financial remediation called for based on improper allocation of funds.
Consumer complaint received 2020-11-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc. (OH)

I continue to receive phone calls and collection attempts on a medical invoice that was paid off back in XX/XX/2020. This has now hit my credit score. I want it removed from all credit agencies and all attempts to collect on this paid debt to stop. 

I have included a copy of the cashed check showing this bill has been paid PRIOR to being sent to collections.
Consumer complaint received 2020-11-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TX)

On XX/XX/2020, I spoke with a loan officer from Amerisave. I was seeking a cash out refinance on a rental property. ( technically this was a delayed finance as the property had been purchased for cash in XX/XX/2020 ). I was quoted a rate of 3.375 %, with discount points paid of {$2300.00}. Happy with the quote, I paid a {$500.00} application fee, and began submitting all of the documentation required. I coordinated with my tenants in order to allow Amerisave 's appraiser entry to the premises. Most importantly, I canceled other loan applications I had been working on with other lenders. 

After more than 7 weeks of working with Amerisave on this loan, I received a call from my loan officer. According to him, he had misclassified my loan as a refinance instead of a cash out refinance. He therefore could not honor the rate he had advertised to me ; instead he offered me a rate of 4.875 %, nearly 50 % higher than the rate that he had advertised. I refused this rate. 

Amerisave did immediately refund my application fee when I refused the higher rate. But that was not the only cost I incurred. I wasted an enormous amount of time waiting for a loan that never happened, and because of Amerisave 's original quoted offer, I canceled on lenders who had been offering rates in the 3.5 % range at the time.

I also consider it possible that Amerisave intentionally quoted a rate that it never intended to honor as a bait-and-switch tactic.
Consumer complaint received 2020-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX XXXX/XXXX XXXX unauthorized debt of {$2000.00}. I have disputed this several times with the credit bureau 's and they advised it was removed on XX/XX/XXXX. On XX/XX/XXXX the debt returned under XXXX XXXX XXXX for a higher balance of {$3100.00}. 

XXXX XXXX- was opened in XXXX as well for {$1400.00}. It was also disputed as fraud and removed. It's now reflecting on my credit account under Portfolio Recovery as of XX/XX/XXXX.
Consumer complaint received 2022-12-14
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.