davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (DE)

Good morning : Upon conclusion of Mediation, it was agreed to have Servicer PHH ( sister you OCWEN ) begin a Loan Modification. After successful completion of 3 Trial payments on XXXX XXXX, PHH introduced a proposal for a Permanent Loan Modification on XX/XX/2020. Counsel for the lender AND Servicer prohibited my communication entirely to the Servicer-PHH. Total disadvantage. That which has resulted in delays of responses to my inquires regarding my mortgage and Loan Modification. The loan docs indicated expiration of XX/XX/XXXX ( Saturday ) to decide acceptance or declination. Less than the standard time allocated to accept of decline Modification. I requested an extension of time since 13 business days was not smoke time to understand the Loan Modification & explore all available options. An interest only Loan is very unfavorable especially in todays economy. Counterproductive to obtaining a Loan Modification. 
The extension was granted to XX/XX/XXXX. 
The Modification is adding new debt of $ XXXX in an interest bearing Balloon payment that is over and beyond the alleged total amount of arrears payments claiming owed. The alleged delinquency is supported by Servicer s recent PayOff Quote.. The Principal and Interest and Balloon payment exceeds total claimed debt., Effective XX/XX/XXXX, the CARES ACT includes Federally Related Loans in addition to Federally Backed Loans according to the Federal Reserves website. Federally Related loans which are different and much broader See Regulation X, 12CFR {$1000.00} ( b ).
Consumer complaint received 2021-05-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I signed up for a Capital One 360 checking account and followed all directions to get the {$400.00} sign up bonus. The bonus was supposed to be paid on XX/XX/XXXX and when it was not, I called customer service and was told I did not enter the promo code. However, I entered the promo code XXXX  and offered to send the proof I have that it was entered at opening. I opened the account on XX/XX/XXXX and I had to receive 2 direct deposits totaling {$1000.00} or more within 60 days of account opening. After this was completed the {$400.00} bonus would be paid by XX/XX/XXXX. I received direct deposits as follows : {$1000.00} on XX/XX/XXXX, then {$1000.00} on XX/XX/XXXX, then {$1000.00} on XX/XX/XXXX. I exceeded the requirements and still did not receive my bonus. I would not have opened the account if I were not going to receive the bonus, and I am 100 % sure I entered the promo code, I will attach the screenshot I have. I was referred by my brother and the exact same thing happened to him and I noticed numerous people online are in the same situation. This is fraud on Capital Ones part, or in the very least - false advertising. Please help me to make them responsible for falsely enticing customers to open an account and then not making good on their promises. I have a case open with them where they are making an exception, but can not guarantee anything and I do not have high hopes this will result in anything positive. My case ID is XXXX. Capital One says there is nothing else they can do. This is very frustrating, and makes it hard to trust a big financial institution. Thank you very much.
Consumer complaint received 2021-05-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (FL)

XX/XX/XXXX I was forced to drop out of college and return home to work full time and support my family between medical issues with my grandparents and emotional turmoil because of financial stress with my parents. XX/XX/XXXX my EdFinancial Services loans kicked in and I began making payments every month. I submitted electronically a request for Auto-Pay however I was never billed in XX/XX/XXXX and " missed the payment '' so then I spoke with someone on the phone to enroll me in Auto-Pay for XXXX. Again, I was never billed in XX/XX/XXXX and " missed the payment '' again, even though I make sure to never miss payments XXXX or at least pay the minimum ). I have since not missed any other payments and have fully paid off the loan.
Consumer complaint received 2017-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hard inquiry against my credit report exists, without my knowledge, and consent by XXXX XXXX, on XXXX/XXXX/XXXX, which I dispute and would want to be removed
Consumer complaint received 2021-05-07
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. (CA)

I paid all of my XXXX overpayments as well as having all my student loans paid off, but transunion is still reporting a balance, although XXXX and XXXX  is not. I am trying to obtain a mortgage, and this is gendering the loan.
Consumer complaint received 2021-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2021-05-07
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. (CA)

There are 9 accounts on my credit report that do not belong to me I am a victim of identity theft and I have opened an FTC I have a notarized affidavit for identity theft I have been disputing these since XX/XX/XXXX and nothing is being done about it I need help. 

XXXX XXXX XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX - Acct # XXXX balance {$8400.00} XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX - Acct # XXXX balance {$19000.00} XXXX XXXX  - Acct # XXXX balance {$1800.00} XXXX XXXX XXXX - Acct # XXXX balance {$0.00} INQUIRIES XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX9
Consumer complaint received 2021-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (VA)

I have written to the company asking them for the forms I have signed for the " Loan '' they claim I took out. They send me blank forms with no writing, no signature or other identifying information. I now have a Fraud alert on my account for this reason.
Consumer complaint received 2021-05-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC (AL)

On XXXX XXXX i started making monthly payments for {$500.00} on a XXXX XXXX XXXX. It has been over XXXX years and my balance owed is still almost the total price of the loan. The original loan amount was {$17000.00} and my balance owed on the car is still XXXX. How can this be? This company American Credit Acceptance is has been applying my entire monthly payment to interest only. This is terrible! I have tried requesting XXXX and no one is ever available to assist me.How can I still owe this much after almolst XXXX years.
Consumer complaint received 2021-05-07
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. (NY)

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 2020-10-26
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. (CA)

I have been unable to obtain a free copy of my credit report. Equifax claims they have " mailed me information, '' which is false. I have made several requests for a FREE copy of my credit report and Equifax has not sent it to me, at any point. It is my FCRA right to obtain a copy and they are in violation.
Consumer complaint received 2022-04-28
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. (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (SC)

Someone opened an account with XXXX under my name without my knowledge. The account was placed in collections about eight months ago, balance owed XXXX. I filed a dispute with the three credit reporting agencies and the collection was removed from all three ( XXXX was removed XX/XX/XXXX ). 

First notification of this debt was received from XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) Second notification was from XXXX XXXX ( XX/XX/XXXX ) Third notification received from Afni ( XX/XX/XXXX ) I dont understand how the same debt can be handled by three different collection agencies nor do I understand or think its fair that every time I fight to have the debt removed it is given to a different collection agency and the process starts all over again. 

This is an absolute violation of my consumer rights.
Consumer complaint received 2020-11-04
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 (OH)

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the accounts is not mines and is reporting inaccurately. Account : XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX DISCOVER STUDENT LOANS # XXXX DISCOVER STUDENT LOANS # XXXX DISCOVER STUDENT LOANS # XXXX DISCOVER STUDENT LOANS # XXXX DISCOVER STUDENT LOANS # XXXX
Consumer complaint received 2020-10-26
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. (CA)

On XX/XX/2020, upon review of my XXXX  credit report it noticed that XXXX was incorrectly furnishing data to the CRA. My direct action was to dispute the information, as it was not correct ; XXXX 's response was to add to 30 day lates to my credit report which is inaccurate.

This is an illegal loan, and XXXX  was repaid all monies borrowed. I would like this agency to remove all credit reporting from my credit report as they are in violation of Fair Credit Reporting practices.
Consumer complaint received 2021-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (CA)

I recieved a letter from a debt collection company that I owed XXXX to XXXX XXXX.I called the collection company on XX/XX/2021 to let them know that I had never had a contract with XXXX XXXX and that I did not owe money to XXXX XXXX.The conversation did not focus on whether I owed money to XXXX XXXX but made me feel like I was trying to commit some sort of fraud. At that point I ended our phone call.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian is reporting the wrong address information on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. These incorrect addressses on my credit report also place me as a potential victim of identity theft and fraud as mail for me may possibly go to these addresses that I have never lived because they are listed on my credit report. I have sent requests multiple times to Experian concerning on this issue and they have failed to respond
Consumer complaint received 2021-05-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (CA)

I had two medical bills, first time in 2016 i didn't have health insurance but i had mentioned that and some social worker came and told me that you don't worry, you will have to pay not a single dime and they coming after me, i had called the hospital several time and i talked to collection agency 4-5 times and they said i have to contact hospital in order to remove from my credit history now this is not right because i was told by social worker name XXXX or XXXX something and still the collection agency, name XXXX i believe says they can't remove this thing fron my credit record their name is Phoenix Financial Phone Number is ( XXXX ) XXXX they have told me that they can't contact hospital when i asked them to provide me the date of service, they said i have to contact hospital but anyway i was told by social worker that i won't have to pay any thing other wise i would have not gone to that hospital. And this is in 2016 and after all this years it didn't go to collection, i had called hospital several times like 2 years ago and they didn't tell me any thing.i had explained them about social worker too every time i called them. The amount they ( collection Agency ) billing me is {$1800.00}
Consumer complaint received 2020-10-26
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: Experian Information Solutions Inc. (CA)

On XXXX, I wrote XXXX  and Experian requesting a reinvestigation into the inaccurate items and accounts detailed as follows : 1. Remove all inaccurate names except for XXXX XXXX 2. Remove all inaccurate addresses including XXXX XXXX XXXX. XXXX . XXXX  3. Remove all employers from report because I amXX/XX/XXXX. 
4. Remove XXXX XXXX loan.

5. Remove ALL inquiries including hard and soft.

6. Remove ( 2 ) XXXX XXXX accounts.

7. Remove XXXX/XXXX  OnXX/XX/2020, I wrote XX/XX/XXXXand Experian informing them that I had not yet received a notice that they have begun a reinvestigation into the disputed items and accounts.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC (FL)

got in touch with them and made arrangements to pay off old account. never discussed XXXX XXXX XXXX because i dont owe it and made it clear i wasnt going to pay it. someone used my name for the account. since im paying on these other accounts they are lying and saying im 1 month delinquent with XXXX XXXX XXXX. this never happened!! trying to do whats right my credit score was XXXX now it has dropped 72 points because they added this old account that i have disputed a million times.
Consumer complaint received 2017-12-21
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Enterprise Systems, Inc. (CA)

Recently I suffered a leg injury which has prevented me from returning to work and living on fixed XXXX Benefits payment. I was informed by a co-worker via text messaging of a phone call recrived by my employer which was made by XXXX XXXX XXXX XXXX. Previous to becoming injured I had imformed this agency that the number they had was that of my workplace and that it was against company policy to take non emergency personal calls. At which point I asked this agency stop making phone calls to my place.
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I disputed the bankruptcy on my Equifax credit report and Equifax claimed they verified the information through XXXX but they could not have due to a freeze on my XXXX account.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX the XXXX XXXX account was settled for me through National Debt Relief, yet XXXX XXXX continued to tell the credit bureau that I owed {$5900.00} + when they know that they settled this account on XXXX I asked Experian way back in XX/XX/XXXX and forward as far as today to fix my credit because I sent them proof that XXXX XXXX settled the account the credit bureau refused to fix it stating that XXXX XXXX would have to fix it. I sent XXXX XXXX all the information showing that the account was settled yet they said they didn't receive the signed document they needed to close out the account. I forwarded them the document and they then said it was blurry and they wanted me to directly sign the document they were sending to me through document signing through my email. I opened the document but they had filled in the date showing it as if it was just being done today. I asked XXXX XXXX to change it to the original date that the transaction happened they told me I could change the date but it was not allowing me to change the date. I immediately contacted them again and stated I could not sign it because it makes it appear that we just agreed on today. XXXX XXXX said no because the paperwork has XX/XX/XXXX on it. I refused to sign it because it is showing that even though its shows last year the date of signing shows today. I forwarded them the document I signed with the correct date on it and now they are saying that it is blurry and they can not see it. I should allow them 72 hours to make a decision on the situation. I sent another copy to XXXX XXXX XXXX XXXX who stated that she already forwarded the document to where it needs to go. I am frustrated because XXXX XXXX knows they settled that account and continued to fraudulently report on my credit that I still owed them money. That account should show settled as of XX/XX/XXXX. Please help
Consumer complaint received 2021-05-07
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. (CA)

I have been disputing one account that is on my credit report for Experian and XXXX and I have been getting nothing back regarding this. This one account is not mine!!!!! I have not even owned a card like this used or signed for any cards like this I need help I have filed FTC I have called the furnisher and the bureaus but to no avail please help this is ridiculous. 

XXXX XXXX XXXXXXXX - Acct # XXXX Amt {$17000.00}
Consumer complaint received 2021-05-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (FL)

I have disputed this debts numerous times because it is not mine, the creditor never reply to any of my mails or disputes, I am tired of trying to resolve this, and tired of telling this creditor that this account is not mine. I would love for this creditor to provide me with signature proof that this account belongs to me, or remove it, I have been disputing this account since 2018.
Consumer complaint received 2021-05-07
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 am showing 6 accounts on my credit report on three bureaus that are not mine they do not belong to me I have tried calling and disputing these accounts as well as sending letters to the bureaus and the furnishers and nothing is being done about this it is identity theft I have not applied or used or even know what these accounts are in my credit I need them off my credit report this is false showing of my credit account. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account INQUIRIES XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 2020
Consumer complaint received 2021-05-08
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: Experian Information Solutions Inc. (CA)

I have contacted Experian on numerous occasions. The dates are as follows. XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is an inaccuracy on my report. The account is XXXX account number : XXXX I have requested Experian remove this account for inaccuracies. I am requesting that Experian remove this account as soon as possible as it is inaccurate and causing me irreparable harm. I have asked Experian to have XXXX provide proof that this account actually belongs to me by furnishing documentation showing I was the one who opened this account. If they can not provide this then I am requesting this fraudulent account be removed. Thank you