davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-18
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. (GA)

Reinserted previously deleted information. This information has been previously deleted from my credit reports. It is very old inaccurate information from 2011. I have numerous loans with XXXX XXXX ( and currently 2 loans with XXXX XXXX XXXX since this time and they agreed previously to remove it from my credit report. 


XXXX XXXX Other Loan Late 30 Days {$0.00} XXXX XXXX 2011
Consumer complaint received 2017-11-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SECURITY FINANCE CORP (MO)

The issue im having and so are a few other people with the loan company " Security Finance '' is that they are not reporting anyones credit. They claim its corporate wide with some kind of system issue, which its been like this since XXXX or XXXX. Ive taken out 2 loans one from them and another from " XXXX XXXX '' which XXXX XXXX has reported monthly and also that ive closed the one from them. Security Finance however has not reported even once since ive been with them but yet they can make a hard inquiry on my credit for a 2nd loan, and still not report any of my on time payments. 

There are also many complaints online everywhere about them not reporting anyone 's credit this year..
Consumer complaint received 2017-10-07
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. (NC)

I AM FILING THIS COMPLAINT BECAUSE EXPERIAN HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THE ACCOUNTS AND INQUIRIES I DISPUTED BEING THAT THEY HAVE GONE PASS 30 DAYS MARK AND CAN NOT VERIFY THESE ACCOUNTS ( NOT BY JUST TELLING ME THE ACCOUNT OR INQUIRIES HAVE BEEN VERIFIED ) UNDER SECTION XXXX ( XXXX ) ( A ) OF THE FCRA THEY ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED : THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE
Consumer complaint received 2017-11-18
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. (MI)

On or about XX/XX/XXXX, an open collection appeared on only my Equifax credit report. The collection is allegedly for a medical bill of {$270.00} that I got charged on XX/XX/XXXX from XXXX XXXX XXXX. On XX/XX/XXXX, I was XXXX to XXXX. I am an XXXX XXXX XXXX XXXX. My healthcare is free. There is no possible way that I incurred this debt. I made a complaint with Equifax. They investigated it and said that is was a legitimate debt and kept it on my credit report. I never incurred this debt. It is not possible. This erroneous report will cost me money because it has dropped my credit score over 50 points from my XXXX credit score, which does not have this report.
Consumer complaint received 2017-10-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rauch-Milliken International, Inc. (LA)

The office of XXXX XXXX has been contacting me over the past 3 months first claiming they were ready to go to court over a debt with the real yellow pages from XXXX after asking them to produce documentation of this debt they sent a unsigned contract with no history of payment or signatures to verify this debt XXXX XXXX was not the originators of this supposed contract and can not produce proper evidence of any contract being entered into I have explained my mental and physical issues with them and have requested they stop contacting me over this obvious scam for the amount of {$540.00}
Consumer complaint received 2017-11-18
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

To Whom It May Concern : This letter is in response to your recent claim that Navient, has verified that the account they are reporting under my name is accurate. your INCORRECT reporting is reporting me LATE ON MANY MONTHS WHILE I WAS IN DEFERMENT AND WAS GOING THROUGH ECONOMIC HARDSHIPS. THE INCORRECT LATE REPORTING ARE AS FOLLOW : 90 DAYS LATE ON XXXX ; 120 DAYS LATE ON XXXX : 150 DAYS LATE ON XXXX : Be advised that the incorrect reporting is detrimental to my credit and is causing substantial harm to my credit reports and it 's holding me back from owning our home one day. Please remove this incorrect reporting from my credit reports and mark as current with the credit bureaus. 
the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are entirely inaccurate and incomplete and represent a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Attorney General 's office, should you continue in your noncompliance. 
I further remind you that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal.XX/XX/XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Attorney General 's Office Cc : Better Business Bureau
Consumer complaint received 2021-10-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

I have sent 3 requests to Freedom Mortgage in reference to loan XXXX, on : 1. XXXX ; 2. XXXX ; and 3. XXXX I have attached XXXX documents : A. The email complaint ( 3 submissions ) ; B. Freedom 's Mortage document, email with Movement of Account for my loan ; C. Spreadsheet, where I copied ( B from above ) to understand the movement of accounts.

In essence, the questions that I have requested to have answered ( which has not been addressed ) are the following, in reference to the documentation provided by Freedom Mortgage ( document B from above ) : 1. There is a charge of {$500.00}, under Other. This was debited, but never credited- not sure why? Seems to be an unexplained penalty.

2. Amount of {$2800.00} have been removed from principle, why?

3. There are Interest Charges for {$6100.00} for a period of six months the average interest charge is about {$820.00} per months ( XXXX = {$4900.00}, Column O )? Why is there over {$1200.00} in additional Interest Charges? 

4. During the month of XX/XX/2021, the escrow balance was {$5800.00}, with an unexplainable debit of {$1100.00} can you please explain? 

None of these questions have been answered in multiple phone conversations, and even less over email.
Consumer complaint received 2017-12-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NE)

This complaint is against XXXX XXXX XXXX. We have had a mortgage with this company for six ( 6 ) plus years and have had nothing but problems with them since day one. The first complaint is with the Insurance Claim Department. When the severe storm in 2014 hit our town, it nearly demolished our house. When we notified OCWEN about the damage they said we would have to send in an estimated total of the damage to them and our Insurance Company ( XXXX XXXX ). We had our contractor draw up a document showing the estimated damage and mailed it to OCWEN. After several weeks we called to see why we had not heard anything from them. OCWEN 's people said the original copy of the estimate had been misplace or lost and they asked us to send a duplicate copy. This happened over and over again and when we 'd call about this situation, the OCWEN person did n't speak or understand plain English so we got nowhere. We ended up sending the same paperwork to them 3 or 4 times. Then when they finally found the original estimate they contacted our Insurance Company and DEMANDED that the entire amount of the damage be sent directly to them. The Insurance Company felt so threatened by OCWEN, they mailed the entire check to them. Then OCWEN told us that they would only disperse 1/3 of the check to begin the project. This amount barely covered the amount of materials that were needed to get started on this project-not to mention paying the contractor or his helpers. We had to go through this mess of getting the money 1/3 at a time, sending in more paperwork over and over again, speaking to OCWEN 's people who did not speak or understand English. Then, three ( 3 ) years later we finally got our house finished. ( We had to borrow {$10000.00} for the final step because OCWEN would not release the last 1/3 until the house was finished. This was a very trying ordeal to go through and on top of that my wife was in the hospital when the storm happened and it was very hard on her. She was fighting an XXXX  XXXX XXXX which turned into XXXX. When she got released she was n't able to come back to her home because it was in shambles. She had to stay elsewhere until it was fixed up enough that her health would allow her to move back in. It was n't completely done by any means, but it was tolerable for her health. We feel like this could have been a speedier project of repairing or fixing our house and we should n't have to had endure all of the problems that we did.
Consumer complaint received 2021-10-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I submitted many complaints for Bank of America but my I actually had someone reach out to me with my last CFPB complaint. XXXX XXXX form Bank of America attempted to contact me but decided to call and leave a message on someone else 's cell phone disclosing my personal and private information. I will be looking to add this into my lawsuit for damages awarded to me by many state and federal consumer laws. XXXX XXXX also went as far to say on a recorded line and in a written response to a CFPB complaint that he acknowledges that Bank of America does not have anything with a signature or anything else identifying me and tying this account to my name. He admitted with 100 % certainty that the application for this credit card was done online. 

I would like Bank of America to send me the original form used to get this account an if they can not provide that, they are breaking the law. I would like to know who XXXX XXXX contacted and their contact information. He has already admitted this was supposedly an online application, so I want Bank of America to provide me this online document or verification method that was used to tie me to this debt and this account. I will sue Bank of America for continuously breaking the law and I have every dispute, every response ( aside from times where Bank of America felt they do not have to respond to me or they think they can simply send me bogus statements as a " contract '' that ties me to this account ), every letter, every email, and every single collection agency they sold this account to, to provide in court and get the substantial damages owed to me as a result of federal and state laws. 

I have almost 2 years of documentation that I would love to present in court. They also did not respond in the 30 days set out in the law. 

XXXX XXXX was 100 % sure this account was signed up for online, so according to the FCRA I request to have everything sent over to me as I have done for almost 2 years and Bank of America refuses to remove this account. 

XXXX XXXX also told me that none of my other disputes mattered and that it was alright for Bank of America to age this account, because it was in the past and was not reflecting on my current report, even though I sent over countless reports and letters showing Bank of America re-aging this account. 

I would like to know where XXXX XXXX got the number he called and left a message for me on. As I said he violated privacy laws leaving a message discussing everything I talked about in the CFPB complaint. 

XXXX XXXX also tried his hardest to tell me that because he sent out some account statements, this account was being reported correctly.
Consumer complaint received 2017-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (TX)

My American Express bill was due on XX/XX/XXXX. The total due was {$29.00}. Admittedly, I forgot to pay the bill on time and did not pay it until XX/XX/XXXX. The late fee for a {$29.00} charge is {$27.00}, which is almost a late fee of 100 %. I would say that this is usurious, but it 's not an interest rate. It is, however, unfair and abusive. 

Please investigate them and have the charge removed from my account. This ridiculous. I have had an account with American Express for 24 years and have never been late. The fee is completely disproportionate to the bill. Rather than set fees, perhaps they should charge a percentage, like mortgage companies.
Consumer complaint received 2017-10-07
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. (IL)

On my Equifax credit report, the current/previous addresses listed include XXXX XXXX XXXX, XXXX PA. However, I have never lived at this address. This individual is related to me, but he is not me *and* I 've never lived at this address. I would like to have the erroneous address removed from my report so that I do n't ever end up with incorrect information associated with my credit report. 

I request that XXXX XXXX XXXX XXXX PA be removed immediately from my credit report.
Consumer complaint received 2019-05-21
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SUNRISE CREDIT SERVICES, INC (FL)

This company is calling my employer over and over within XXXX they have called my employer 6 times. They have called me from the Phone numbers listed : XXXX ; XXXX ; XXXX. They will call and hang up or they will call and ask for me while speaking to my co-workers acting like a patient. I work for a XXXX company and they are calling acting like patients and they are a debt collector. My employer has requested for them to stop calling.
Consumer complaint received 2019-05-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

We got off track with our mortgage payments in 2016 and had to file bankruptcy. The attorney worked with Ocwen to get our payments back on track and start a Modification on the loan with Ocwen. We went through that process and got back on track, the whole time making payments. Ocwen never applied any of the payments to anything and then they told us that because they were not the full payment that the money was in a suspense account which we never were told and never saw. One lady even said that once our modification had been completed they would apply the suspense account to our mortgage. Well you know that never happened and we are still making all of our payments on time and still have no clue where this money went. I've emailed the company on several occasions and still have not received any reply.
Consumer complaint received 2015-05-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

Ocwen has replied to our request to fix our mortgage account. They still claim we owe them money and are going to start foreclosure. Again, we have never been late or missed a payment, but they still claim we have. How do we stop this?
Consumer complaint received 2016-11-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Westlake Services, LLC (KY)

Sold me a lemon vehicle and my kids were exposed to harsh environments told me nothing I could do about it then put me in another vehicle and again the vehicle transmission went out repairs were more than worth of vehicle they repoed the vehicle and resold it on another car lot and still say I owe the remaining balance.
Consumer complaint received 2021-09-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BOEING EMPLOYEES CREDIT UNION (CA)

Boeing Employees Credit Union. I before application if the inquiry to XXXX would be " hard '' ( visible to other creditors ) or Soft ( visible to only consumer ). I was told all credit or XXXX inquires related to opening a checking account would be soft in nature. However, when I pulled my XXXX report I saw a hard inquiry date XX/XX/2021. Therefore their representative misinformed. I'm planning to file a police report to have the inquiry removed.
Consumer complaint received 2017-10-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (GA)

After noticing the debt on my credit report, and noticing my credit report also states I have made a payment to Convergent and I have NOT, I sent a letter to XXXX XXXX ( here on out referred to as XXXX ) via XXXX requesting debt validation. 

A request was made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. As stated in the law, XXXX did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter, or phone call from XXXX or any attempts by the debt collector to validate the debt they believe I owe. It has been more than several months since they placed the debt on my credit report, and more than 1 month since I requested validation.
Consumer complaint received 2022-09-10
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX N/A XXXX N/A XXXX N/A XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX  XXXX XXXX, FL XXXX
Consumer complaint received 2022-09-10
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2017-10-07
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. (TX)

Good afternoon, My name us XXXX XXXX XXXX, Rest assured I have tried endlessly to get this resoled without getting anyone involved. 

The Equifax credit reporting company keeps reporting a delinquent for an account that I have no knowledge of. under my. I have a derogatory mark for a collections account opened in XX/XX/XXXX..Its from a creditor called XXXX XXXX XXXX XXXX. 

The debt is for XXXX and the debt is now owed by XXXX XXXX XXXX, who has no knowledge of this debt. I have tried to dispute the item on their website and it keeps looping around not completing the dispute. Or I have gotten back emails that the issue is fixed and it has not. No other credit reporting company is reporting me negatively for any dent. I have never been late in any of my payment with any creditor. 

Please assist me in helping me get this item removed my equifax credit file. 

I 'm tryiny got buy a house and this collection debt is preventing from doing so. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX