davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-13
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Real Time Group, Inc. (FL)

I originally got a home equity line of credit ( heloc ) 9 years ago with XXXX. This loan has since been sold once and then ultimately sold again to a company, Real Time Resolutions ) based in XXXX, Tx. They originally told me when I told them this was a heloc that it was n't but after 'investigating ', they finally acknowledged that it is. However they did say that when the loan matures in XXXX 2017, the entire loan would need to be paid off. I told them that the terms of the original loan were that at maturity, payments to the principal of the loan would start. I have been paying interest and principal the entire time since I started drawing on the loan. They told me that they were a debt collections company and did n't have to abide by the original terms of the heloc.
Consumer complaint received 2022-09-05
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)

the Credit Bureaus have done nothing to remove the disputed items from my Credit Report despite the multiple dispute letters I have been sending to the Credit Bureaus. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 with complete attachments of my personal documents. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove any account and information that resulted due to identity theft. However, I see here that the Credit Reporting Agencies seem to not care about the said FCRA regulation that protects a consumer 's rights. I am now submitting this CFPB complaint to request that the Credit Bureaus remove the following disputed items completely from my Credit Report. If the Credit Bureaus insist that that the dispute items belong to me, I will require the Credit Bureaus to provide me copies of documents bearing my signature to prove the Credit Bureaus claims that the disputed items really does belong to me. Please remove the following fraudulent items completely from my Credit report ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX Balance Owed : {$23.00}
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Utah System of Higher Education (MO)

I had been attempting to pay my student loans every month. My account information wa correct and my bank information was correct. The company could clearly see that I was going on every month and paying. The system said successful and confirmed. 

On their behalf, they did call, ONCE from a private and blocked number asking for my information. I went on the account and saw that it had not been successful so I paid it again- which UHEAA can see on their system. I also tried to call twice however I was on hold for over 20 minutes. I work over 50 hours a week, have to live as a single parent who has a XXXX XXXXXXXX - that works specifically to pay my student loans. WHY, would I not pay these? 

So on XX/XX/XXXX after dealing with this for 2 months I wrote to UHEAA and told them i would have to consolidate because I could no longer deal with hem not accepting my payments- all other companies have no issue but this one. They received the email acknowledged the wait on a loan consolidation. 

Now miraculously 3 days later they find the time to report me to credit bureau and dock XXXX pts off my credit that I have been building for 10 years. I called them multiple times asking how to fix this assuming it must be a mistake- they informed me I had {$600.00} too much for them to help me. That is {$610.00} over poverty line, do you understand what that means? That I can barely pay bills but they would only help me if I actually could not pay my bills. 

When I asked why they retaliated my loan consolidation with a credit report they said they absolutely would never do such a thing that they always report people that are delinquent at the end of the month however I have proof they did not report me until at least the XXXX of XXXX. On XX/XX/XXXX my credit was a XXXX when I applied and received a car loan. SO please explain why a company worth BILLIONS of dollars is retaliating against one, mother that singularly takes care of her child while struggling to work with XXXX XXXX including XXXX? 

I attempted to ask UHEAA for a resolution, multiple times. I submitted my paycheck stubs which apparently was {$300.00} too much in 2 weeks for them to acknowledge I could need financial help. I also showed them multiple emails between myself and UHEAA that I was trying to communicate with them to get the problem resolved PRIOR to this issue occurring and after. Not to mention stating I had always been willing to pay my bill, I had try to pay it which they also acknowledged and furthmore I said I would pay them right away by cash, credit or check. They denied all requests.
Consumer complaint received 2024-01-25
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: Experian Information Solutions Inc. (NV)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2020-10-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital One has refused to send a check to my residence address for the balance of my closed savings account. This is despite the fact that the Bank has had my correct residence address since I opened a credit card account in XX/XX/XXXX. In fact the Bank still sends me monthly credit card statements to my correct residence address, which has never changed. The Bank 's response to my first CFPB complaint ( XXXX ) was that they sent the check to a different mailing address, which was returned as invalid. I have never had a different mailing address. The Bank 's response to my second CFPB complaint ( XXXX ) was that I should reopen the account and have the money transferred to an external account. When I called customer service to do that, I was told it could not be done. I have also completed the Bank 's verification procedure multiple times by uploading my driver 's license, but never to the Bank 's satisfaction. The Bank is acting in bad faith when the simple solution is to send a check to the residence address they have had for over 9 years.
Consumer complaint received 2017-05-23
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: Experian Information Solutions Inc. (KY)

XXXX XXXX XXXX claims that I have XXXX charge off credit cards in the amounts of {$450.00} and {$940.00}. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.
Consumer complaint received 2015-08-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (TX)

I have been contacted by XXXX XXXX XXXX about a credit card that is in my maiden name and the last XXXX of the social match mine but it is not my credit card. The bank has turned it over to XXXX XXXX XXXX but it has been linked to the wrong person.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (NC)

I opened an account with XXXX 's and my payments started sometime around XX/XX/2021. I paid approx {$58.00} every month and sometimes a month in advance of my next payment, yet they claim that I missed a payment by 30 days because I paid XX/XX/2021 in XX/XX/2021 and are showing that I was 30 days late in XX/XX/2021. 

I've attached a screenshot of my payment history and believe this is just a clerical error in their systems and they are probably not used to having a person pay 2x in a single month, but either way, I'd like the 30 days past due removed from my credit reports. 

XX/XX/2021 - showing 30 days late/past due on all credit reports. 

Payments made in XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XXXX ( XXXX )
Consumer complaint received 2017-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX   XXXX   XXXX  claims that I have  XXXX  charge off credit cards in the amounts of {$450.00} and {$940.00}. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.
Consumer complaint received 2015-05-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (NY)

I purchased a primary home with mortgage and put 10 $ % down. I had to get PMI on the loan. I requested the LTV ratio at which we need to get PMI released from the Loan and I have written evidence from Caliber Home Loans stating if I pay down the Loan to 80 % they PMI will be released. We paid the loan to below 80 % and they they denied our request and said we need to pay it down to 75 %. We just paid it down to 75 % LTV and now they are making us get an appraisal to redetermine the LTV. The regulation requires them to automatically cancel the PMI with two years good payments, no late payments, and 75 % LTV ; all of which we have satisfied. The XXXX XXXX XXXX guidelines allow PMI to be released if you make betterments or improvements to the property and get an appriasal which would show the Value is higher and thus the LTV ratio could be lower than 75 %. This requirement is not necessary if you are just paying down the principal!
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

I attend here back in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this school was recently change name was XXXX at XXXX I attend classes do not transfer debt owe XXXX XXXX XXXX XXXX this school misrepresent me leading to a false lie about degree These school are rip off
Consumer complaint received 2021-02-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CO)

I have been disputing incorrect late payments as well as unverified charge-offs with the bureaus since XX/XX/XXXX. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. And now, here it is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2017-02-21
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Finance Company, Inc. (NC)

None of these options is what I need. I want to know why there are late payment remarks from professional finance after being on my report for nearly a year. Also after they were said to be charged off. This is the first time this has happened with these medical debts.. causing my payment history to go from XXXX percent to XXXX. Iv been build credit and up to this point it increases. Will they put more of the marks on updates??
Consumer complaint received 2015-09-03
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

After paying off my home mortgage in full, Well Fargo has flatly refused to return the original signed Note. The mortgage was sold as part of a collateralized debt instrument to investors. I suspect they are double-dipping and continuing to use the Note as collateral on the CDI because I paid off my loan 27 years early. This would require them to admit to the fund that the CDI is worth about XXXX dollars less than they sold it for. Instead they filed a notice electronically with the county indicating that the Note was paid. The electronic filing can legally be claimed to be a mistake later if they produce the original signed Note. The only thing I have been provided with is a copy of the electronic filing which is not valid as it lacks a corporate endorsement seal on it.
Consumer complaint received 2020-11-26
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. (VA)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2015-05-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

I have been unemployed/underemployed for a significant period of time. I have tried on more than one occasion to do a modification through Wells Fargo Bank. On the three occasions I tried to do the modification I was stonewalled, given incorrect information and my file languished for so long twice that it had gone stale. Every time I have tried to do my modification, it appears that Wells Fargo has done all it can to prevent the modification being concluded. I am making a true attempt for find a job, and have enough steady income to be able to complete another application for a modification. I am also going to go through XXXX and Florida 's Hardest Hit. They had previously assisted me when I was on unemployment, but that has ended.
Consumer complaint received 2015-11-22
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (FL)

I purchased a flood insurance, not required by my mortgage company. I had a flood and got a check for {$32.00} in XXXX. I have been stonewalled by my mortgage company ever since and have not been able to cash the check. I rebuild my house as a owner/constructor and should be able to fix the damage myself. I have all documents to prove that I was my own construction company. The mortgage company will not respond to any of my correspondence XXXX XXXX, XXXX XXXX XXXX, a XXXX XXXX supported lawyer company. 
I was in foreclosure, through XXXX I am no longer in foreclosure and has not been for a year. 
My foreclosure lawyer also tried to help me in this matter and he got stonewalled as well. 
I do not know how to or where to go for this matter to be dealt with and hope you can help me so this matter will be resolved.
Consumer complaint received 2022-02-11
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: SYNCHRONY FINANCIAL (FL)

I authorized a transaction with XXXX  but the amount and some of the items which I am being charged for are incorrect. I was advised these additional charges as stated in the contract referred to unbilled ad clicks which had not registered within their billing at current date. This remains fraudulent. XXXX, their agent, is the one who opted into the additional information and not me. I explicitly asked XXXX multiple times what I was being charged for with no response. This has been an ongoing issue for 6 months. I previously filed a complaint with CFPB against Synchrony where they responded with a number to call. I have called that number 5 times, left 3 voicemails, and emailed them with no response. 
The information which XXXX has provided for the dispute does not include the audio communications related to the sale of the advertising campaign and does not show that I authorized the additional charges. It does show that I authorized a campaign which is accurate but not in the amount that is being billed. I provided itemized documentation showing what is wrong and Synchrony has chosen not to review the dispute.
Consumer complaint received 2017-02-20
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CT)

I returned several items to my local Home Depot on XXXX XXXX, 2016 that I had purchased using Visa prepaid card number XXXX XXXX XXXX XXXX. Home Depot issued a credit for {$39.00} to the prepaid card. The problem is that because the card had expired in XXXX of 2016, two months before Home Depot issued the credit, there is no way at all for me to retrieve those funds. My question is, why does the expiration date not show up when a store attempts to apply a credit to an expired card? This seems like a scam for the prepaid card companies to knowingly get funds that the customer has no way at all to access.
Consumer complaint received 2015-10-20
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (WA)

After getting behind on my XXXX and XXXX mortgage with Ocwen Loan Servicing I agreed to a a deed in lieu of foreclosure to Ocwen and moved out of my house to avoid foreclosure. Since completing the deed in lieu I have continued to receive collection calls and letters from Ocwen and its assigned debt collectors for the XXXX mortgage that I no longer owe. This is harassment and I have met with an attorney to resolve this situation if my complaint with the CFPB does not resolve the situation.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MD)

Loan Number : XXXX I am a single mother of XXXX children and I 've been struggling every month to make my monthly mortgage payment of approximately {$1800.00}. I have applied many many times over the years, starting in XXXX for the XXXX mortgage modification program. OCWEN representatives emails me the documents, I complete it and faxed everything back and then months later I receive a letter stating they have n't received a tax form or something else did n't go through. So, I quickly refax it and call the customer service line and they tell me they received it. Then I hear nothing back. I keep calling and calling and they tell me they are reviewing my file, and NOTHING. I 'm sitting in limbo and then I 'm told to maybe default on my payment so I can be approved quicker and I WILL NOT DO THAT! I pride myself in making my payments on time although it is critically impact my livelihood and my children 's. 

It 's fraudulent to consistently be left without a decision, when I am clearly qualified for a modification. I have all the letters from OCWEN since XXXX and not one letter has come my way stating that I am not qualified and the reasons as to why I am not. 

I unfortunately am upside down on my home value and can not refinance anywhere although my credit score is outstanding. 

I 'm stuck between a rock and a hard place, I just feel they are trying to pressure me into giving up so they can take my home.
Consumer complaint received 2020-10-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX, I purchased my first home at XXXX  XXXX XXXX, XXXX, NJ using a mortgage loan wherein the latter designated XXXX XXXX as the lender with a principal balance of approximately $ XXXX upon me putting down approximately $ XXXX. In or around XXXX XXXX, I discovered that : ( 1 ) the foregoing transaction was discharged by XXXX XXXX XXXX XXXX ( " XXXX '' ) in XXXX XXXX without my knowledge or consent upon someone creating a refinance through XXXX XXXX XXXX dba XXXX XXXX dated XX/XX/XXXX without my knowledge and or consent ; ( 2 ) XXXX  continued taking monthly payments for me for XX/XX/XXXX through XX/XX/XXXX ; and ( 3 ) JPMorgan Chase Bank National Association ( " Chase '' ) continued taking payments from me from XX/XX/XXXX through XX/XX/XXXX towards what I believed was my original purchase, not knowing said payments were going towards the forged refinance. 

Furthermore, I have not received proper credit for all of the payments that I made for the months XX/XX/XXXX through XX/XX/XXXX. 

Today Chase by and through XXXX XXXX XXXX XXXX XXXX, XXXX. ( " XXXX  '' ) are foreclosing on my home in the Superior Court of New Jersey under Docket No. : XXXX since the year XXXX to present date, using a forged refinance mortgage loan recorded in the year XXXX ( See Exhibit A ) for which an expert handwriting expert confirmed by way of report dated XX/XX/XXXX that someone other than me authored and forged my name on mortgage loan documents as displayed within Exhibit " B '' annexed hereto. 

Furthermore, Chase by and through XXXX commenced foreclosure in XXXX XXXX annexed hereto as Exhibit " C '', and the assignment instrument asserting a transfer of the forged mortgage loan is dated in XX/XX/XXXX and displays an email communication between Chase and XXXX conspiring to create the document ( See Exhibit D ). 

I believe that the foregoing events are, in part, connected to the criminal acts by XXXX XXXX through its executives, the latter of which were sentenced to federal prison as displayed herein as Exhibit E