davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried to dispute an incorrect inquirie from XXXX on my credit report. Transunion will not allow me to file a dispute and have told me several times that I need to get a deletion letter from XXXX. XXXX keeps acknowledging that they do have an invalid inquirie on my report as I do not have an account with them. They have told me that they have filed an incident report but being that I do not actually have an account they is nothing to keep record of. They have been apologetic but keeps telling me that transunion can only remove it and they cant do anything though they are aware that I do n't have an account. Transunion tells me that it is XXXX responsibility to resolve the issue but then XXXX tells me that it is transunions power to do so. the process has continued for weeks
Consumer complaint received 2016-04-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (GA)

We contacted CitiMortgage to get a payoff balance and to dispute late fees from XXXX XXXX Mortgage who was the original holder of our mortgage. We had a loan with XXXX XXXX Mortgage and the loan was purchased by CitiMortage. XXXX XXXX Mortgage no longer exists. We are disputing late fees charged by the XXXX XXXX for payments that they received before the XXXX of the month. We asked CitiMortgage for an itemizing of {$2600.00} in late fees ( XXXX from CitiMortgage and all others from XXXX XXXX Mortgage ) to show that we owed these fees to XXXX XXXX Mortgage. We received the documentation but did not understand how to read the report. We called and sent XXXX faxes to CitiMortgage asking for an explanation of the late fees. The company kept sending us an explanation of a temporary optional product payment. Finally after months of trying to receive an explanation, a supervisor, decided to listen to our complaint concerning the information we received from CitiMortgage. After explaining the reports and looking at the dates of the payments, the supervisor understood why we were disputing the late fee charges and submitted the documentation for someone to look because of the dispute of the payment dates. The company is now asking for our credit report for these years during the time the XXXX had the mortgage. The credit report will not prove anything because XXXX XXXX charged us for being late which its records bear out, therefore the company also reported the payments as being late on our credit report. The husband does not have the orginal documentation from XXXX XXXX but told the CITIMORTGAE that his payment booklet had a date for the amount due prior to the XXXX of the month and an amount due after the XXXX of the month. We owe possibly XXXX payments and have been at this process for over a year. My husband is retiring and we have been trying to pay off this debt but CitiMortgage keeps refusing to address the issue of our disputing the charges from the other company.
Consumer complaint received 2016-03-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had difficulties making ends meet and paying the mortgage since my mother was moved to a XXXX. I contacted the bank to try and reduce our monthly payments years in advance which was approved but the second time around they are telling me a different story and my calls to the banking institution was handles by individuals that provided enough information to identify them but their case notes are n't on file.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX Balance : {>= $1,000,000}, XXXX XXXX XXXX Date Opened XXXX XX/XX/2022 Balance : {$47000.00}
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/2015 I noticed a public record account of a property tax lien on my credit report. It was a tax lien from XXXX County Superior Court in Georgia for the amount of {$1100.00}. It was listed with the Transunion company. This is the only Credit Reporting Agency that had this listed. 
This tax lien was not mine. I have never been to XXXX County, never lived there, never owned property there. Over the past year, I have filed XXXX disputes trying to have this removed. I have asked for verification of their information. They could not provide this. I have asked for their method of verification. They did not supply that to me. I have gave them a name and phone # from the XXXX County clerk of courts office of someone they could talk to about this. They did not call them. I have sent them a copy of the index listing of tax liens in XXXX County for the date listed on the lien. This came directly from the clerk 's office where tax liens are filed. It was proof that it was not there. They said I was being frivilous. I did one of the disputes on line. The rest I either typed or hand wrote. I had several of them mailed by certified letter and notarized. It did not help. I recently got my last rejection letter about this dispute. They changed the amount from {$1100.00} to {$150.00}. It 's like they do not get what I am trying to tell them. Changing the amount is not going to make it right, it is still not my tax lien. I went through XXXX disputes about this, and on the tenth all they changed was the amount. I have talked to XXXX different people at Transunion, with several of them being managers. Please help me get this removed from my credit report. I do not know what else to do. I have informed them that they are breaking several laws by not fixing their error. That did not help. I am uploading copied of the credit report. One showing it before they changed it, and one showing after they changed it.
Consumer complaint received 2017-05-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

My loan is with  Ocwen loan servicing. I spoke to Ocwen Relationship Manager  ID #  XXXX  ( if that was indeed his ID. They have been known to intentionally leave off numbers in the past on purpose ). My complaint is below.     Last week after logging into my online mortgage account I noticed that in  XXXX    XXXX   my loan will increase from {$700.00} per month to {$900.00} per month. I made a request online to have a relationship  manager call me to see if we could extend the time frame for me to pay the escrow as I wo n't be able to pay the additional expense. I was leery of reaching out to Ocwen b ecause from my experience the people they call relationship managers are not really relationship managers. They are high pressure, aggressive collection agents that intentionally withhold options from borrowers such as extensions and they in turn engage in threats, intimidation and coercion. I have caught them lying in the past as well . One relationship manager would give me one  amount to pay and as soon as I would agree he would put me on hold and then come right back to the phone and give me another higher amount. This went on for   30 minutes until I hung up because I had had enough.
So I reached out to Ocwen to call me. A relationship manager c  ontacted me at around   XXXX   XXXX   XXXX   XXXX  . central time ( which was outside the time frame I had selected for him to contact me  ) and he started off with ( this is a collection call ). He then went into an intense high pressured collection script and told me I needed to pay ocwen  an additional {$700.00} a month, ON TOP of my mortgage payment to get caught up on {$4000.00} dollars in escrow shortage. I was shocked. I was the one who had requested the meeting  with Ocwen and  not once did the agent ask me how he could help me. On top of this, he told me I needed to pay an additional {$700.00} dollars per month if he was to work with me when I had contacte d Ocwen because  my payment was going u {$200.00} dollars a month. So why did he think if I could n't pay {$200.00} a month I could suddenly pay {$700.00} a month? On the escrow? It did not make sense. This agent was overseas in  XXXX  and one of my main gripes with Ocwen is that they incentivize these agents to bring in money so quickly that the agents use threats instead of working with the person.     The agent refused to tell me about the entirety of the options available to me. They have done this before. They have withheld certain options in an effort to force the person regardless of our financial situation to pay quickly. This man was not trying to assist me at all.     When I told him that I would request another meeting with someone who was serious about helping me he said 'ok ' and quickly got off the phone. He was nonchalant about the matter. He never once asked me for the reason for my request to speak to my relations  hip manager.
Ocwen   is awful.
Consumer complaint received 2024-03-08
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LoanCare, LLC (FL)

I made my monthly payment on XX/XX/XXXX but was not aware that my monthly payment changed due to escrow balance. I was alerted on XX/XX/XXXX by email that i was past due, I than called and spoke with a representative and made a payment to coverage the shortage. I explained that I did not see the letter explaining monthly payment changed and I wanted to make sure if payment was made I wouldn't accrue a 30day on my credit report. The representative also told me she would waive the late fee as a one time courtesy credit because I had never been late. The representative failed to advise me that my payment was applied to escrow and the payment i made on the XXXX also went to escrow giving me the 30 day delinquency for XXXX that I was trying to avoid. I called when i was alerted that I had a mark on my report and asked the agent to reapply the payment to satisfy my XXXX past due balance. The agent put in a request and advised that it would be corrected by XX/XX/XXXX but will not be able to correct the 30 day on my credit report without me sending in a dispute. I understand the the first payment was short but when i satisfied the full payment XX/XX/XXXX I would have thought the payment would have been applied to past due balance first not escrow especially since my monthly payment increased to cover the escrow shortage.
Consumer complaint received 2015-04-25
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: New Century Financial Services, Inc. (NJ)

Although I was only allowed to check XXXX statement in each category, almost all of the above apply. A debt that was satisfied in 2005 with proof from my credit union, they presented to the courts, continue to leave on public record, removed money from my bank account and told motor vehicles not to issue my registration ( although motor vehicle did cash my check ), Motor vehicle has not sent my registration.
Consumer complaint received 2024-03-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC (DE)

I XXXX XXXX, have been paying {$450.00} monthly on my XXXX XXXX XXXX for 3 years. The cars interest rate is so high that I'm going to be paying another 4+ years to own it. I've been asking for a breakdown for some time now and still have not received anything. Please help resolve this issue. I do not want to pay for one car with the price of two.
Consumer complaint received 2022-08-09
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. (TX)

TO WHOM IT MAY CONCERN I HAVE A FEW ACCOUNTS IN MY NAME THAT DO NOT BELONG TO ME IT SEEMS MY INFORMATION HAS BEEN COMPROMISED THE FOLLOWING ACCOUNTS ARE XXXX  AMOUNT {$33000.00} OPENED XX/XX/2020 ACCOUNT # XXXX AND THE OTHER ACCOUNT IS WITH XXXX ACCOUNT # XXXX
Consumer complaint received 2020-10-19
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: Experian Information Solutions Inc. (OH)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2016-10-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc (OH)

I have a a unverified account from AD ASTRA REC. I had previously disputed this account. I have never done business with AD ASTRA REC. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AD ASTRA REC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AD ASTRA REC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2016-04-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

More than 10 years ago, I had XXXX student loans through XXXX. The XXXX loans were consolidated and completely paid off ; however, XXXX reports that XXXX payment was not made back in 1993. The XXXX XXXX accounts were consolidated and I was only supposed to make XXXX payment on all XXXX accounts. I am astonished that the account is still being reported negatively even though the XXXX accounts were completly paid off as XXXX account. 

XXXX XXXX
Consumer complaint received 2022-09-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WY)

Bank of American I believe has preditory lending on my home. They did a refinance of my property and then after the mortgage was signed they added in a loan modification and included a property that is owned free and clear without my knowledge. They gave me a XXXX year loan in which I will not be alive in XXXX years, and added my other property to the loan re fi without my knowledge. My realtor noticed a title issue that there was a mortgage XXXX on my property that was never included in the refi of the other property. It felt as if Bank of America is trying to take both my properties. They never notified me or had me sign a document for this exhibit. I have asked them to remove the free and clear property as this was not discussed or approved or even needed for my refi. They have given me the run around for the past XXXX months, saying they made a mistake and will modify the loan to remove the free and clear owned property from the loan. They still have not done this. 
That property is for sale, and this will hold up the sale and caused a major titling issue. We feel they did this on purpose to try and take both properties without us finding out. They will not resolve the issue. They added the other property without notifying us. They modified our loan without disclosure or notice. We have requested they remove the property immediately, they agreed, and still nothing. We feel they are trying to give us a loan they know we won't live long enough to pay off so they can take our properties. I am XXXX and they gave us a XXXX year loan. 
I want to sue them as this is illegal.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 2024-03-08
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (GA)

Last year on XXXX XX/XX/XXXX I lost my job and was unemployed. I applied with Ulta/Comenity bank to get put into a hardship program. I was told that I was eligible and they would put me into this program. However, there have been multiple issues. 

I received a phone call XXXX XX/XX/XXXX stating I had missed a payment which was incorrect. When I called back I was told by their rep XXXX XXXX XXXX that for some reason the hardship program had not been entered correctly and was supposed to be good through the end of XX/XX/XXXX and I would have find ways for payment in XX/XX/XXXX. This was supposed to have been fixed when I spoke with this rep that same day XX/XX/XXXX. 

However, I received yet another missed payment notice on XX/XX/XXXX and had to call yet again. Spoke to an extremely rude rep named XXXX who transferred me to a supervisor XXXX who stated this had not been fixed previously and she would have to have it corrected. This is the second time I was told this was fixed under complaint # XXXX Yet again, I have received more calls from their corporate office about more missed payments after I was told two or three times at this point that this was handled. I am beyond tired of being harassed and the hardship program is not helping with my balance either. The balance still continues to go up. I am never going to be able to pay this off and I feel I am owed a substantial discount due to emotional and mental stress this has caused and the numerous issues I have had.
Consumer complaint received 2022-09-06
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. (TX)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX. XXXX XXXX XXXX- {$400.00} XXXX. XXXX XXXX XXXX XXXX XXXX - {$120.00} XXXX. XXXX XXXX XXXX XXXX - {$1200.00} XXXX. XXXX XXXX XXXX {$540.00} XXXX. XXXX XXXX XXXX XXXX - {$9100.00} XXXX XXXX XXXX XXXX XXXX Account No. XXXX ( dates : XX/XX/XXXX- XX/XX/XXXX ) XXXX. XXXX XXXX XXXX - {$330.00} XXXX. XXXX XXXX XXXX XXXX- {$5300.00} XXXX. XXXX XXXX XXXX XXXX XXXX. - {$330.00} XXXX. XXXX & XXXX XXXX - XXXX - {$560.00} 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 an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-02-14
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (VA)

To Start we were contacted by our current mortgage company Lakeview to do an XXXX, back on XX/XX/XXXX. We closed on the loan in XXXX XXXX. We were told no refinance was required that we can get the interest lowered to 2.5 %. My husband and I agreed. Once my husband received a letter from the VA that he was now 100 % XXXX, we sent that paperwork to our county office to have that document recorded. The county of XXXX XXXX sent a letter letting us know that he had been recorded in the county office as 100 % XXXX and we were not required to pay taxes. We sent a copy of the letter to the subservient company XXXX to have this also recorded and for the taxes to be stopped and for the loan to be redone to provide a new mortgage payment. We waited 3 months for this to happen. My wife continued to call to get an updated status. Finally, she was told that the county needed to send XXXX a bill saying that we no longer had to pay taxes before they will redo the mortgage amount. My wife and I went to our county office to see if they can give us a bill for zero amount, they intern gave us a zero bill, saying we did not owe any money. Lakeview said they will not accept that because it needed to say we did not owe any taxes. They will send the taxes in XXXX. when they are due and if it comes back saying we don't owe then they will redo the mortgage, but in the meantime keep paying the XXXX. This was not acceptable to me and my wife, so my wife filed a written request as well as called to have the escrow stop. On XX/XX/XXXX, my wife called to request an update on the status and was told that the request was denied because 80 % of the loan had to be paid off before the escrow could be stopped. When my wife asked for further explanation, she was told that Lakeview did an appraisal on XX/XX/XXXX, for XXXX. We became very upset because we were told in the beginning that no appraisal was going to be done. This company is very shady, and they did not tell us that they did an appraisal.
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (IL)

THERE ARE 6 INACCURATE ACCOUNTS REPORTING TO MY CREDIT REPORT THAT ARE FRAUDULENT AND NEED TO BE REMOVED IMMEDIATELY 1. XXXX XXXX ( ACCOUNT # XXXX ) AMOUNT : {$4600.00}, 2. XXXX ( ACCOUNT # XXXX ) AMOUNT : XXXX or {$6700.00}, 3 ) XXXX XXXX ( ACCOUNT # XXXX ) AMOUNT : {$890.00}, 4 ) XXXX ( ACCOUNT # XXXX ) AMOUNT : {$3400.00}, 5 ) XXXX XXXX XXXX  ( ACCOUNT # XXXX ) AMOUNT : XXXX {$6.00} ) XXXX ( ACCOUNT # XXXX ) AMOUNT : {$280.00} XXXX ALL OF THESE ACCOUNTS ARE INACCURATE AND NEED TO BE REMOVED IMMEDIATELY.