davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

This loan has been bounced back and forth between Ocwen loan servicing, Option one, American Home servicing, homeward, XXXX XXXX and others since it was issued.When Ocwen was pressed for info before by myself and CFPB  ( XX/XX/2016 ) they provided incomplete ( 4 years missing ) and inaccurate info.From what they did provide several ( thousands of dollars worth ) payments were held in suspension until late fees were created.Many went to fees for foreclosure even while the loan was in bankruptcy.Many seem to have just disappeared all together.Charges were made for inspections 5 times in a three month span several times.There were large payments that look like they disappeared via fees.We are even being charged for the service collecting payments.I have a legal services attorney but she is limited to defending only and can't file against these service company 's. 
As first time home buyers we were at the lenders mercy.Interest rate was set at 11 % until we sat down for the closing when it changed to 14.475.We had no idea we could decline the loan at that point due to the change.Ocwen never addressed the fact that we were never told or provided any info about rescinding the loan.I was unaware they had to provide that info or I would have pressed the issue more.I believe the time limit doesn't start until the info is provided which it still hasn't.These company 's are doing all they can to line their pockets at consumers expense. 
I would rescind this loan if I had been given the option at any time.We were conned into a high interest rate loan that we didn't qualify for but have tried to pay for it.They continue to claim amounts that aren't legally due and have made thousands in charges eating up much of whats been paid.Most of those charges are unexplained and their record/coding is all but impossible to decipher.i believe this is so as it would be hard for a person to tell where all the bogus charges are hidden.We have paid well over 65,000 on a XXXX loan.If payments were credited correctly the loan would be paid.Payments over what was due were held in suspense, but in escrow or used up as bogus fees not applied to the principle as the contract states.Payments were to be applies to interest, principle first as per our contract. 
I think I have the right to demand they provide the info regarding rescinding this bogus mortgage and be allowed to do so. ( time starts when notice is received ) .Company 's should be forced to adhere to the laws regarding consumer protection and be made to pay a penalty for failure to do so.
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

My social security umber has been stolen and my banking information. Someone has obtained a job using my information and the bank reported that this persons address is at XXXX XXXX XXXX, XXXX, NV, XXXX
Consumer complaint received 2019-08-27
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. (NE)

WHY DID ONE ACCOUNT OF XXXX XXXX XXXX COME OFF OF MY REPORT? YET THE OTHER STAYED ON THERE. PLEASE REMOVE THE NEGATIVE CLOSED OFF ACCOUNTS FOR XXXX XXXX XXXX AS FOR IT IS REALLY AFFECTING THE STATE OF MY CREDIT HEALTH. THESE ACCOUNT S WERE OPENED ON XX/XX/XXXX AND XX/XX/XXXX. WITH BALANCES OF XXXX AND XXXX.
Consumer complaint received 2019-08-27
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: Experian Information Solutions Inc. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2018-03-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (MI)

I have tried to resolve this issue numerous time through with XXXX XXXX directly and also a previous compliant with CFPB. My student loan account is being INCORRECTLY report. I was awarded a forbearance from XXXX XXXX XX/XX/XXXX and XXXX is incorrectly reporting late payment. XXXX claims that such reports would not be updated due to regulations the FCRA of the initial accurate reporting. Contrary to these assertions, by failing to update previously reported information, XXXX is in violation of Section XXXX ( a ) ( 2 ) of the FCRA. I have attached an FTC advisory opinion ( below ) which interprets Section XXXX ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that the XXXX XXXX ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. XXXX awarded me a forbearance starting XX/XX/XXXX through XX/XX/XXXX thus my payment history should report as such. * This fact is also stated by XXXX that they in deed granted a forbearance for that time period. XXXX ( a ) ( 2 ) clearly shows that the reports must be UPDATED/CORRECTED regardless of whether they were accurate at one point. I am requesting that in compliance with Section XXXX ( a ) ( 2 ) of the FCRA that the XXXX accounts showing a late payments from XX/XX/XXXX to XX/XX/XXXX be updated and/or corrected on my XXXX, XXXX, and XXXX XXXX reports. XXXX violations to XXXX XXXX ( a ) ( 2 ) of the FCRA and refusal CORRECT my credit report are currently causing damages to me personally and inhibiting me from receiving the best interest rates in my home buying process. Below is the link to the FTC advisory opinion I stated earlier. I have also attached payment history from web portal on the XXXX website showing my account coming out of forbearance and not starting repayment until XX/XX/XXXX. I have attached both screen shots and exported XXXX XXXX XXXX  : XXXX
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have wrote the company several times to provide me method of verification on the submitted accounts. They are claiming to verify accounts but are not providing me the feedback I requested in the complaints to support their findings. They are required by law to provide me with the proof they used to verify my accounts, this keeps the creditors and the bureaus honest by only reporting what they can prove and what is provided by the source
Consumer complaint received 2018-10-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC (AZ)

Pendrick and XXXX XXXX continue to attempt to collect a debt that is not mine. I have requested they supply me with debt validation and they have failed to do so. Pendeick continues to reassign the collection debt, knowing they are unable to validate the debt.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Balance Owed : {$5700.00} XXXX XXXX XXXX Balance Owed : {$210.00}
Consumer complaint received 2019-08-28
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. (CO)

I received a 1099 in 2017 ( included in this complaint ) for an outstanding balance on a timeshare. The balance is {$9100.00}. I paid taxes on this amount. However, Trans Union is still reporting this account as a repossession with a balance of {$9100.00}. This incorrect reporting is costing me my chance to refinance my mortgage. I need this updated or deleted immediately. I am not sure if the issue is with Trans Union not updating properly, or XXXX not reporting the correction to Trans Union. Please see attached documents.
Consumer complaint received 2018-03-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MRS BPO, LLC (FL)

I have received multiple credit collection notices from MRS Associates, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, XXXX. I have sent a letter indicating that this debt has been dismissed on a final Chap XXXX Bankruptcy in XX/XX/2017, however, they continue to send notices. I have received numerous phone calls from this company and I have either referred them to my attorney and/or have told them to stop harassing me. I have also informed them by phone that this debt has been included in my personal/business bankruptcy. They persist and this has caused me and my family undue XXXX XXXX.I am a XXXX XXXX and have been housebound for the last three months due to a service connected injury. I am suffering from XXXX and XXXX and can't take anymore of this harassment.
Consumer complaint received 2018-04-11
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: DISCOVER BANK (CT)

I am a victim of identity theft i have noticed inquires on my credit reports that i did not do. I filed a police report to file a complaint to report it. I have inquires on my credit reports that wasnt by me. I wrote called, sent certified letters & copies of my police report disputing the inquires. & they still Have not been removed it have been more the 4 months. The following inquires are : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX Discover XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-11
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: Experian Information Solutions Inc. (GA)

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX {$97.00} They didn't include an acct # In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC sect1681 .

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section 604 A States that a consumer reporting agency CAN NOT furnish an account without my written instructions.
Consumer complaint received 2019-09-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: FORD MOTOR CREDIT CO. (NJ)

Ford Motor Credit reporting me as being 30 days past due on XX/XX/2019 when I turned in my vehicle on XX/XX/XXXX and even received an email from XXXX XXXX XXXX in XXXX that it was returned. How can this happen if I did everything right with my lease and returning the vehicle? You need to call XXXX XXXX at XXXX XXXX XXXX XXXX so you can see that this was returned properly.
Consumer complaint received 2021-04-05
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. (CA)

There are 2 accounts that are inaccurately reporting on my credit report with Transunion one is with XXXX on Transunion and the other is with XXXX XXXX on Trans, these accounts are not showing on my XXXX  report or XXXX  anymore. I have written them several times and sent them my police report but they still have not removed this account. 
I just want these accounts deleted from my report.
Consumer complaint received 2022-10-08
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: TD BANK US HOLDING COMPANY (GA)

TD Auto finance, trade-line reporting on my credit report when the trade-line is not my. Every time I dispute the account the balance increases and the 7 year drop off mark increase also. The1st negative date change from XX/XX/2016 to XX/XX/2016.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (OH)

This complaint is for an incorrect duplicate payment of my real property taxes from escrow, which my mortgage servicer, Chase, has failed to promptly correct. My Chase loan number is XXXX, and my real property taxes are paid to XXXX County, Ohio. My XXXX County, Ohio, parcel number is XXXX. 

XXXX XXXX XXXX XXXX originated my conventional first mortgage in XX/XX/XXXX. XXXX XXXX  serviced my mortgage on behalf of XXXX XXXX through XXXX, XXXX. On or about XX/XX/XXXX, XXXX paid my real property taxes of {$2500.00}. This payment was for the second half of XXXX, due XX/XX/XXXX. 

XXXX XXXX XXXX XXXX sold the servicing of my mortgage to Chase, effective on or about XX/XX/XXXX. On or about XX/XX/XXXX, Chase made a duplicate tax payment to XXXX County, Ohio, for the same amount of {$2500.00} that XXXX had already paid in XX/XX/XXXX. This duplicate payment caused my Chase escrow balance to go negative. I found out about this duplicate payment when I received Chase 's mailed mortgage statement dated XX/XX/XXXX. I reported the error to Chase by phone on XX/XX/XXXX. 

When I called Chase, I was transferred to the tax service unit. It seems like Chase failed to load my escrow account history from my former servicer into its own system, because they had no record of the tax payment XXXX made XX/XX/XXXX. Instead, Chase said it was my job to prove to them that their payment was a duplicate. 

I have tried to fax a printout from my former servicer 's website to Chase, but the fax number Chase gave me does not work with the fax machine in my office. Chase would not give me any email address to send a PDF image of my former servicer 's printout. At this point I am forced to mail a copy of the printout to Chase, at my own expense. 

I am concerned that even if Chase does eventually realize they made an incorrect duplicate payment, and recover it from XXXX County, they will show an escrow shortage on my account and therefore raise my monthly escrow payment amount.
Consumer complaint received 2023-04-12
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. (PR)

In accordance to the fair credit reporting act this creditor has violated my rights; under 15 USC 1681 section 602 states I have a right to privacy 15 USC 1681 section 604 a section 2 it also states the consumer reporting agency can not furnish an account without my written instructions on the 15 USC 1666 b a creditor may not threat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I was a victim of XXXX XXXXXXXX that led me to the hospital for weeks for corrective XXXX and healing. I spoke with capital one about the defendant being the person who stole my phone, had access to the card and the account and processed payments and transactions. Capital one has reported that my balance is over every month and Ive not agreed to my obligations of the credit card but it was found 0 % liability for fraud. The account is closed and reported negative information for 3 months to credit bureaus and that was not the correct balance because of the fraud.
Consumer complaint received 2021-12-23
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: EQUIFAX, INC. (NY)

I feel as if these accounts are false and advising inaccurate information that are costing me thousands in interest a year. I have foiled complaints with the Federal Trade Commission & XXXX XXXX XXXX  to my knowledge I do not recall any of these accounts. I demand this issue be removed immediately, according to section 611 ( a ), it is plainly stated that a failure to investigate these items with 30 days- it had been 50 days and the items should be removed from my report.
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have been trying to fix this inaccurate information for XXXX YEAR and still report wrong. I last sent a dispute on XXXX and nothing was verified or updated. I didnt receive any information from them about my dispute status or how this information is actually accurate. My XXXX XXXX name is the same as mine and this credit file has merged. Please help me get these consumer reporting agencies to fix this FALSE information on my credit. I can't even get them to respond within the 30 days.
Consumer complaint received 2021-09-22
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: EQUIFAX, INC. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-01-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (CA)

I received a collections account on my credit report from Midwest Recovery Systems in the amount of XXXX dollars for a XXXX. 
I have not taken out any payday loans and have no knowledge of this account. I tried to dispute it through XXXX XXXX however it came back saying the information is correct. This is not my account and I'm not sure how it came on my report. I recently received emails about possible identity theft through businesses whom had their files hacked. This is absolutely not OK and i am not sure how to fix it.
Consumer complaint received 2022-06-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (TX)

Credence XXXX agency has flagged my credit reports 5 times in the last 15 days ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). Theyre conducting soft pulls of my credit score then flagging it to reduce my XXXX score in an attempt to bully me into paying the debt on file. My credit score has gone from XXXX to XXXX in 10 days due to the multiple flags. Collection agencies are allowed to flag monthly not daily which is an abuse of power and deceptive reporting. Due to deceptive reporting and abuse they should be required to remove the debit or I will pursue filing a legal suit for violation of the Fair Credit Reporting Act.
Consumer complaint received 2018-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CARRINGTON MORTGAGE SERVICES, LLC (WI)

We continue to receive phone calls from Carrington Mortgage on a debt that we do not own. I have requested for this company to stop calling but they continue to call and leave messages to call back. When I call back the message says that they are closed but they just called. I have sent email message and left messages on their website to no relief from this harassment. I have never done business nor would I ever do business with a company as shady as this.
Consumer complaint received 2019-08-26
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I told XXXX XXXX not to contact me via mail or telephone. I also the same from XXXX who XXXX XXXX told me was a debt collector but now they are switching to XXXX XXXX to have me sued. I have received threats of being sued. I do not have a permanent residence nor a job and can not pay this debt. I have already told the collectors and courts this information. Give me a job and I would pay but Until then I do not have a residence of my own. I just dont appreciate being threatened.