davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (NJ)

I began refinance with Flagstar Bank in XX/XX/2021. The loan officer, XXXX XXXX pressured me to start the application process assuring me that it would be completed by the end of XXXX since my current mortage is already with them. It was assigned to XXXX XXXX for processing. Both " ghosted '' me for several weeks until finally I reached out at the end of XXXX when I noticed that the rate lock in was due to expire on XXXX XXXX. XXXX claimed that they did not receive my banking statements which I thought I had uploaded very early in the process in XXXX. They never notified me that it was missing. In a conversation with XXXX he contradicted himself saying both he " had to submit it to underwriting '' and that it " was submitted to underwriting. I suspect he dropped the ball. I suspect that I am being scamed because they have been dragging their feet so that I will have to pay an additional month at the higher rate mortgage - XXXX. is now due! Despite telling both loan officer and processor several times that I do not want homeowners included in escrow, the paperwork indicates that it is still included. Today XXXX called claiming he needed my bank statements and said they have " expired '' then he said he never received them. How could they expire if he never received them? On XX/XX/XXXX I had uploaded to portal, he claimed he could not see them and said that I had to call their tech department to find out why HE could not see the documents and instead he wanted me to send personal banking documents directly to him in a personal, not secure, email. That is not the customer 's job it is his. It has taken as long as 6 days - or sometimes never - to get responses to my emails and I only get responses when I call supervisors. This company is a fraud.
Consumer complaint received 2018-01-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (AR)

Ditech has held my escrow ( personal property taxes and added interest for XX/XX/XXXX and XX/XX/XXXX, now I receive a letter XX/XX/XXXX stating that I need to pay {$3700.00} or our mortgage will go up {$480.00} and if we pay the {$3700.00} payment will still go up {$190.00}. I think that when Ditech pay our personal property taxes and insurance, they need to add it to escrow at that time and not hold it and let it add up and make our escrow short. Now we will have a big payment that we can not afford. When I called XXXX, the lady I spoke with could careless. I do n't have {$3700.00} and I ca n't afford to pay {$1800.00} either. They need to give us more options.
Consumer complaint received 2022-09-08
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hello I received a hard inquiry on my credit report on XX/XX/2022 from capital one. I also had received a phone call and voicemail from capital one regarding a recent application ( that I had never recently applied for anything at capital one ) and that they needed my verification and provided an application number at the end of the voicemail as-well as a phone number to call back. 

I call the phone number provided from the voicemail, and tell the customer service rep my issue and that I needed to talk to a manager, and was kindly told that it would be transferred over in a short period of time. 

After I get a hold of the fraud manager I was repeatedly told to provide my full social security in order to access the application. I was adamant about not providing my full social as it clearly looks like Someone is trying to fraud and use my identity without my knowledge or permission. 

The lady I was speaking with tells me that I can provide either an application number or my full social once again and I give the application number that I received in the voicemail and continually being told that they have no record or history. 

I tried to provide literally every information that a company would need in order to access my so called application and cancel it except for my social. Why would I give you my full social when Im clearly being scammed. Please help!
Consumer complaint received 2021-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

HIPAA Privacy Violation In a letter dated XX/XX/2021 I advised the credit bureaus ( TRANS UNION, XXXX, XXXX ) that I requested validation ( not verification ) of an item being reported to them by XXXX XXXX XXXX. The credit bureaus as well as XXXX XXXX XXXX responded with the items being " verified '' which puts them in violation of my HIPAA rights. XXXX did not validate this item being reported or provide a HIPAA release.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

Federal law mandates that inaccurate information and late payments on open end credit accounts are excluded consumer files. XXXX and EXPERIAN ( account # XXXX ) are in violation of FCRA 1666b ( a ) by furnishing inaccurate late payments on dates of XX/XX/year>, XX/XX/year>, XX/XX/year> & XX/XX/year>. They are also inaccurate due to my XXXX XXXXXXXX XXXX  app Payment history which confirms two ( 2 ) payments for the months of XX/XX/year> & XX/XX/year>. Also my account was suspended, closed and a new credit card issued after theft of my backpack containing my credit cards, phone and tablet on XX/XX/year>. XXXX XXXX Police Department Item # XXXX
Consumer complaint received 2022-08-10
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. (IL)

on XX/XX/XXXX I notified Equifax that there are unauthorized and unverifiable information being reported to my consumer report, Pursuant

to 15 USC 1681 ( a ) ( 3 ) I have to give Equifax written consent to furnish a report on my behalf I never gave them written consent so, my consumer right to privacy has been infringed upon pursuant to 15 USC 1681 ( a ) ( 4 ). In light of the recent investigations brought upon Equi
fax Ive found that my consumer file has been tampered with. Equifax have not exercised their grave responsibilities and fairness with my consumer report according to the FCRA. The XXXX  data breach has affected me as well as, the recent revelation that Equifax has damaged millions of consumer reports by sending erroneous scores. Equifax is continuous reporting unverified accounts on my consumer report. For the past 2 year I have made several attempts to remind Equifax of their duty to uphold the law pursuant to 15 USC 1681 my most recent was XX/XX/XXXX, and they did nothing but ignored my disputes and requests. I have sent Equifax Certified documents under the penalties of perjury to support my claims. Equifax has committed upon my basic consumer rights. Equifax is continuing to ruin my reputation pursuant to 15 USC 1681 ( a ) ( 2 ). Credit Reporting is voluntary and always has been according to the FCRA.
Consumer complaint received 2017-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (AZ)

I was contacted by a consolidation company. They said they could consolidated my XXXX student loan which was at a 2.5 % interest rate with my XXXX which was at a 6.8 % interest rate. I was very clear I did not want to consolidate if my XXXX loan was going to get jacked up to a ridiculous interest rate. They told me they where going to take a average of my loans and it would all come out in the wash. I was young not good at math and trusted them. What ended up happening is all my loans went to a 5.5 % interest rate. They have been sold and traded hands several times. I have called my loan holders several times and they are saying they can not do anything about the interest rate. One day last year I spent 4 hours on the phone getting directed to 10 different numbers and agencies. No one seems to know who owned my original student loan. I asked them to send me information ... .this has been super frustrating and I have gotten no help. On top of my student loan interested being more than what my old house and car interest was. I am never going to be able to get them paid off and no one seams to have the information I need. I asked them to send me all my paperwork since I have been receiving loans and the attached its all I received ...
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XXXX XXXX XXXX XXXXXXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXXXXXX XXXX {$370.00} XXXX XXXXXXXX {$3700.00} XXXX XXXX XXXX {$5200.00}
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.
Consumer complaint received 2018-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

On XX/XX/2017 Hon. XXXX XXXX XXXX wrote three orders on a stipulated settlement with XXXX XXXX. The order were as follows : 1. XXXX XXXX was ordered to issue me a document to reflect a zero balance and that the debt was satisfied. 
2. XXXX XXXX was to take all necessary steps to delete the account from my credit reports. 
3. XXXX XXXX was to do no further reporting of this account to the credit reporting agencies. 

XXXX XXXX continues to violate this court order by reporting and updating the account to Equifax monthly. Equifax has the court order in their files and continues to accept and report this account against the court order. 

It was my position that I owed XXXX No Money. I had no contract with XXXX XXXX and they're constant overcharges would have cleared any balance owed. I agreed to settle because the XXXX attorney was facing contempt of court charges for failing to comply with 2 subpoenas to furnish my bills to prove my case.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (AL)

I am just a cosigner on the loan. The amount changes every time they ( Navient ) call. They are telling me that I am so behind in payment when I just recently paid last month in XXXX and XXXX. Navient is saying that I owe double the amount. Navient is saying that I am two months behind, but I am not since I paid the amount that was due in XXXX and XXXX. The man I talked to had just threaten to apply against my credit. I am very displease with Navient. They are mistreating loan borrowers. I am unsure of what I owe them. The amount changes every time they call.
Consumer complaint received 2018-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I checked my credit score on XXXX XXXX and saw that my score dropped by 18 points between XXXX and XXXX. Im not sure why as my balances were all paid in a timely manner. The company was Capital One.
Consumer complaint received 2017-04-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc. (CA)

On Saturday, XX/XX/XXXX, I received in the U.S. mail my " FREE '' annual credit report from " XXXX '' credit bureau. However, on " Page XXXX of XXXX, '' under the " Account Review Inquires '' it unlawfully notes that a Debt Collection agency called " Diversified Consultants '' unlawfully accessed my " XXXX credit file and then posted a false " Collection '' notation on to it dated " XX/XX/XXXX. '' This " Diversified Consultants '' company intentionally violated my " Due Process Rights '' per the ( Federal ) Fair Credit Reporting Act because I was NEVER contacted in any way by this Debt Collection agency. Furthermore, it does NOT even state the alleged " Amount '' of Debt that it 's trying to collect NOR does it state " What '' type of Debt it is.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

XXXX, Experian, and XXXX continue to report inaccurate information. My name is XXXX XXXX there should be no other name listed on my report AT ALL. My address is XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX. There should be no other addresses on my report. I demand for each XXXX, Experian, and XXXX to should be the papers where they have authority to report this information and where it was verified from. My name is copy righted property and neither have permission to use it in the manner they have been.
Consumer complaint received 2017-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (IL)

XXXX sold our mortgage to Nationstar. This happened in the middle of a house deal. I tried to get ahead of it by calling Nationstar, emailing, writing a letter requesting a payoff and using social media. The written letter was mailed XX/XX/XXXX. One very nice customer service person, XXXX even emailed within the company on XX/XX/XXXX to escalate producing the payoff letter.At first I was told to call back on XX/XX/XXXX when my account was in the system. Today via the support center ( XXXX ) I was told that our loan in not through processing and that we should be able to get the payoff XX/XX/XXXX. We were to close on XX/XX/XXXX so this delays the closing. 
This is unacceptable. According to the Dodd- Frank act this servicer must provide the resources and personnel to complete the transfer process. Today iis ourt transfer date and we can not obtain a payoff letter. Nationstar services our loan as today and as such mut provide the lender information they need
Consumer complaint received 2018-03-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CURO Intermediate Holdings (TX)

Received an email stating that if the collections agency did not receive payment they are going to sue me and garnish and confiscate all my wages. Which Im unemployed and they have no legal right to garnish.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma (CA)

Credit Karma has been sending me inaccurate credit scores and report through my email and their website Credit Karma Monitoring Service.

Credit Karma company has a business partnership with XXXX and XXXX Credit Reporting Agencies only and not with XXXX. 

On XX/XX/XXXX I received a XXXX alert verification and Notification from Credit Karma that my XXXX XXXX XXXX XXXX XXXX account # XXXX has been placed Current and Deliquency and 30-60-90 days late has been removed and deleted by XXXX  on XX/XX/XXXX. 
Credit Karma implemented a recent XX/XX/XXXX Transunion credit score of XXXX. 
But Credit Karma hasn't displayed the same information and credit score with XXXX. 

Also, Credit Karma is not displaying XXXX XXXX XXXX XXXX XXXX XXXX of a merchandise credit of XX/XX/XXXX till Present.I have been making timely payments since XX/XX/XXXX till Present. 
I made contact directly with Castle Credit on XX/XX/XXXX on my account # XXXX this account is only displaying with XXXX and XXXX XXXX stated to me on XXXX XXXX around XXXX XXXX California time that XXXX XXXX sends verifications to XXXX, XXXX and XXXX. 

I been having many issues with XXXX XXXX XXXX their inaccuracy credit reporting alerts and not reporting accurate credit scores. 

I am XXXX Lifetime, Retired and a XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX are supporting our XXXX XXXX and XXXX in the community of XXXX. 
I am going through a VA Loan and purchase process in Florida and need accurate information what has been implemented on this complaint. 
Is Credit Karma violating my XXXX XXXX Civil Rights Act under Department of Justice? 
Very Urgent Matters!
Consumer complaint received 2018-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

We have paid our mortgage in full and on time since its inception in XX/XX/XXXX. We have no escrow account and have always paid our insurance and property taxes on time and in full. 

In the summer of XX/XX/XXXXOCWEN charged us for forced place insurance even though we had insurance. They never sent us notification of this or the reason why it was necessary. We had insurance thru XXXX XXXX at the time. I didn't realize they had done this until I got a collection call from them stating that we were 90 days past due on our loan. During that conversation I was also told that forced place insurance had been applied in early XX/XX/XXXXas well. 

I pulled our credit report and found that OCWEN had indeed reported our loan 90 days past due. Over a six ( 6 ) week period I spoke with numerous OCWEN  customer service agents, XXXX xXXXX, XXXX XXXX x XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and was told that XXXX had not provided them with a copy of the policy. XXXX provided proof that insurance was in place and never lapsed, and provided me with a copy of the fax transmittance. 

OCWEN promised that once they received the documentation from XXXX they would ( 1 ) removed the forced place insurance, ( 2 ) credit the charges associated with the forced place insurance, ( 3 ) issue a letter to us showing that we were not at fault and had never been late on our mortgage, and ( 4 ) correct our credit report. 

As of this date, OCWEN has ONLY removed the forced place insurance for XX/XX/XXXX and credited the charges associated with XX/XX/XXXX. 

I have made over 20 calls and spent over 6 hours with OCWEN customer service trying to correct this -- the last of which was with XXXX x XXXX on XX/XX/XXXX. 

Due to OCWEN 's incompetence and careless regard for our credit standing, our three ( 3 ) credit reports have shown us 90 days past due since XX/XX/XXXX. Nothing seems to get them to correct their error and nobody seems interested in getting this fixed. 

Any attempt you could provide would be greatly appreciated.
Consumer complaint received 2019-10-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (IL)

I filed bankruptcy in XX/XX/2016 and my loans were discharged due to a hardship. Department of Education/ Navient is refusing to update my account to the correct status and still says that I owe. I sent them a copy of My bankruptcy forms stating that it was discharged.
Consumer complaint received 2017-07-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

My mortgage with Bank of America. Modified on XX/XX/XXXX.through their ( BA 's ) Loan modification program.My contract was structured for staggered interest rates that reached their maximum XX/XX/XXXX@XXXX ( XXXX ) until XXXX XXXXXX/XX/XXXX of XXXX. The final payment on XX/XX/XXXX will be XXXX.
On XXXX XXXX I starting adding XXXX dollar to my payment to accelerate the payoff and in XXXX of XXXX i made my payment ( I was told subsequently that i paid it one day too early and it went completely to principal ) .. I made 3 calls to 5 people @ BA that assured me it was corrected. A couple days later I received my newest bill from BA and it said that my payment l had been raised {$2.00}. After 3 calls and 5 people later i was told it was corrected and that my next statement would reflect my correct payment ( XXXX ). I received my latest bill from BA XX/XX/XXXX. payment was raised XXXX per month. I called BA 2 times before strongly insisting on speaking with and officer of the bank. I was given VP XXXX XXXX XXXX. I have left 3 messages over 5 days, no response. today I went online and my account acknowledged my XXXX payment but surcharged me XXXX.