davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (FL)

Fear Consumer Financial Protection Bureau, I live in Florida, and due to the XXXX disaster I applied to FEMA help. There i was told to call my mortgage company ( OCWEN ) to request few months forbearance at not cost added to the end back of the loan, since this is a Federal Law. I called Ocwen on XXXX XXXX 2017 and asked, they told me that they could give me 3 months without payments and then start paying those 3 months in the amount of {$5700.00} divided by 6 in the following six months plus my regular payments. I asked them why they where charging me {$5700.00} for 3 months if my regular payments are {$1300.00} and this multiply by 3 will be XXXX. They said that was the offer. So I escalate this issue to different managers and after 2 days of fight they said it was a mistake. 

Now I called on XXXX XXXX, I kept asking for 3 months added to the back of the loan ( the minimum the law says, I understand it could be up to 12 months ) and they said they do not have that offer. I told them this is a Federal law, finally they said that they are not saying they will not follow the law but that this option is not available now is under discussion ... 

I appreciate your help because i have been trying my best to deal with them, but instead of helping they are trying to take advantage. I just need some time to get back on my feed, considering i also have to pay my house taxes. 

I appreciate your help in advance. 

XXXX XXXX OCWEN Loan Servicing, LLC Account Number XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX agents ID : XXXX XXXX / XXXX XXXX / among others My email address is : XXXXXXXXXXXX
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX ...., has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-08
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. (NJ)

I have contacted Experian several times in writing within the past 4 months including phone calls to remove names from the Credit Profile attached to the social security # ending in XXXX and they have not removed them as of XX/XX/XXXX. 

The following names must be removed immediately as they are not mine or I have not given explicit written permission for any person, natural or otherwise, to use them. 

XXXX XXXX XXXX Name ID # XXXX I do not use my name in this manner XXXX XXXX XXXX Name ID # XXXX This is not me!!! 

XXXX XXXX Name ID # XXXX This is a wrong iteration of the name, which is in proper use in the credit profile. 

Please remove these addresses as they are incorrect and I have never lived at these addresses and/or they are no longer associated with me : XXXX XXXX XXXX # XXXX XXXX NJ XXXX XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX NJ, XXXX XXXX ID # XXXX Single family XXXX XXXX XXXX XXXX NJ, XXXX XXXX ID XXXX XXXX Single family old address from 30 years ago ... remove immediately! 

Please remove these phone # 's as they are not associated with i ; the man, XXXX ( XXXX ) XXXX Residential ( XXXX ) XXXX XXXX XXXX the XXXX Privacy Act I have the right to correct any records associated with my information ( property ). 

The following names must be removed immediately or Experian can pay me $ XXXX since the inception of using these false, fictitious, misleading names, according to 18 U.S. Code 1001 - Statements or entries generally, 18 U.S. Code 1341 - Frauds and swindles. 

please correct this immediately!
Consumer complaint received 2022-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX # XXXX THIS ACCOUNT WAS REMOVE FROM MY RECORDS DUE TO NEGLANCE REGARDING LEASE AGREEMENT. WHERE I WON INSIDE THE COURTS IN MY FAVOR. EVERY BUREAU REMOVE IT EXCEPT TRANSUNION AND THIS UNACCEPTABLE.
Consumer complaint received 2020-07-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commonwealth Financial Systems, Inc. (OH)

Repeated calls from this number and they ask for XXXX XXXX once I acknowledge who I am they wanted to talk about the debt with out reading the XXXX XXXX. They then hung on me when I asked to speak to a supervisor and I when called the number back and they would give me the fax number to have my bankruptcy attorney call them to place a cease desist to stop the calls. 

They need to send this is true debt I need validation from the original creditor. The debt collector need to contact the original creditor and send documentation of the debt. And no more calls to my number. They also need to read the XXXX XXXX before they start to try speak about case specific that a debt has been placed in their office. 

This is the 2nd time I have to file a complaint this company.
Consumer complaint received 2021-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

XXXX XXXX XXXX credit card you have to make the payment before XXXX XXXX they doing that to charge late payment on top of that after you have you balances in XXXX they still charging you with interest no matter if your balance it XXXX they charge interest. I have proof they abuse let me know thanks email me with details please XXXX XXXX
Consumer complaint received 2020-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I my complaint is with my loan services XXXX. In XX/XX/XXXX. I experienced a hardship and found myself homeless. I was living online hotels and shelters with my XXXX year old son. I was having such a difficult time that my loans fell out of deferment. In XXXX I contacted Navient customer service and explained that I was homeless and need to request assistance. I was advised by the representative that I qualified for hardship and that she would retroactive the account status back to the initial time that I was evicted. The representative explained to me that she would send the request to the credit department and that my account would be brought back to current. I was asked to allow 30 days. The next month I checked my credit report and it was still showing the 90 day late status. I called again and was advised again that the credit department will update the status. This never happened. In XX/XX/XXXX. I submitted a good will dispute as advised by the respective to the credit department at XXXX. Never received a response. I made several phone calls to XXXX about this issue over the past almost 2 years. To no avail. The representatives are not helpful and they do a poor job of communicating and documents. I even uploaded my eviction documents as requested to the portal. I submitted 2 other disputes because I was told that they can not remove the lates payments. They have been servicing my loan since XXXX and my credit report shows several months of no reporting of data. They have never accurately reported the status of my loan. By law according to FCRA. They are required to report complete and accurate data. They have missed 6 months of reporting in most of the years of my loan. I also showing 3 different account numbers being reported on each of the Credit Bureaus, which is a clear violation of FCRA 609. I argued that how can you report a late payment on a hardship, but also not report accuracy each month on my loan? I'm asking that ALL inaccurate and derogatory entries be removed from my credit report IMMEDIATELY!
Consumer complaint received 2021-08-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Medical Management, Inc. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Fraudulent billing sent for collection to Collection Recoveries. 
Statements attached show the balance amount of {$620.00} and not {$640.00}. 

Mr. XXXX XXXX from XXXX XXXX  office called me on XX/XX/XXXX to schedule my appointment with XXXX XXXX on XX/XX/XXXX at XXXX XXXX. He informed me that he received the required authorization from XXXX XXXX for my visit. 

A few weeks after my visit XXXX XXXX informed me that the claim from XXXX XXXX was denied because he is out of network therefore, l requested the authorization XXXX XXXX office claim they received to schedule my doctors visit. After numerous calls they have not complied with my request. 

I filed an appeal with XXXX XXXX to help me rectify this situation for demand of payment for my office visit with XXXX XXXX on XX/XX/XXXX. Attached is the XXXX XXXX conversation log from the conference call with all parties which resulted in a hold of the collection process. 

According to XXXX XXXX they do not have a request from XXXX XXXX office requesting an authorization for my doctors visit which would have been paid if requested. 

I am therefore not liable to make this payment except for my copay of {$20.00} which I paid. 




XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2020-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NM)

The following accounts are an result of fraud. I have no knowledge of these accounts. 
XX/XX/2020 XXXX XXXX Original creditor XXXX  XXXX XXXX   {$710.00} XX/XX/2020 XXXX XXXX XXXX  XXXX creditor XXXX   XXXX  XX/XX/2020 {$330.00} XXXX XX/XX/2020 XXXX XXXX XXXX   XXXX {$1400.00}
Consumer complaint received 2020-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hi, I have not used my Capital One Venture Card since XX/XX/2020, and have closed the account in XX/XX/2020. It had a positive balance of a little over {$2000.00} ( meaning, Capital One owes me that money ). On XX/XX/2020 Capital One informed me that they plan to return this amount to me within two months. Four months have passed, and I have not heard back from them. Tried to reach customer service multiple times to no avail. 

Thanks for following up on this!
Consumer complaint received 2018-04-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

I took a loan for XXXX  in XX/XX/XXXX. I made payments of XXXX in XX/XX/XXXX andXX/XX/XXXX and paid off loan in XX/XX/XXXX for a total of XXXX
Consumer complaint received 2021-04-01
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. (OH)

I started using the Experian app and Experian Boost several months ago. Experian Boost links your utility bills to your credit report, often raising your credit score. 

On XX/XX/2021 my mortgage lender XXXX XXXX XXXX XXXX XXXX XXXX pulled my credit report for the first time for this refi. 

Early in the week of XX/XX/XXXX of this year XXXX asked me to remove the reporting of my utility bills from my credit report, as that reporting was hurting my refi application. 

On XX/XX/2021 at about XXXXXXXX XXXX EST I used the Experian app to remove all the utility reporting through the Boost feature. 

On XX/XX/2021 at XXXXXXXX XXXX EDT, on a 20-minute call, I asked an Experian customer service rep by phone if the utilities would continue to show up on my credit report. She assured me that they would not appear. 

On XX/XX/2021 at XXXX XXXX EDT I asked XXXX to pull my credit report again. 

On XX/XX/2021 at XXXX XXXX EDT XXXX told me that the utilities were still showing on their second pull of my credit report. 

On XX/XX/2021 at XXXX XXXX  EDT, on an 8-minute call, I explained my situation to an Experian customer service rep by phone. She said that I would have to contact the Dispute Dept. but that they were done for the day. She gave me a number to reach the Dispute Dept. 

On XX/XX/2021 at XXXX XXXX EDT, on a 40-minute call, I explained my situation to an Experian Dispute Department rep by phone. He said that he did a soft pull on my report and the utilities did not show up. 

On XX/XX/2021 at XXXX XXXX  EDT I asked XXXX to pull my credit report again. 

On XX/XX/2021 XXXX pulled my credit report for the third time. 

On XX/XX/2021, at XXXX XXXX  EDT, XXXX told me in an email that the utilities were still showing on my credit report. 

You can see in the attachment provided by XXXX that the four highlighted utility entries all show as self-reported bills at Experians XXXX, Texas address. 

Experian 's failure to resolve this problem is making my mortgage refi increasingly unlikely, since the dramatic decline in two of my credit scores can be partially attributed to the three hard pulls XXXX has had to make since XX/XX/XXXX. My XXXX score has dropped 25 points, from XXXX to XXXX. My XXXX score has dropped 17 points, from XXXX to XXXX. XXXX tells me that anything below 630 will probably disqualify me for the refi.
Consumer complaint received 2017-09-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (PA)

For a little over a week I have been getting 4-5 calls per day for medical debt collection that is a result of the doctor incorrectly coding the procedure. The procedure, as verified by my primary care doctor and my insurance provider, is covered 100 % by preventative, but, the doctor 's office that performed the procedure ( and acknowledged with me that the entire procedure was preventative and NOT diagnostic ) coded it incorrectly ( against what they said and agreed was preventative ) as diagnostic. So, it is a simple fix for them to get their money and they, for some reason, still keep insisting the account is not paid ( because they have not changed the XXXX coding to preventative ). 

Transworld ( I talked to a supervisor today named XXXX XXXX XXXX has been calling 4-5 times a day for collection including as early as XXXX and as late as XXXX. It was once a day for about two weeks and beginning last Thursday, XXXX XXXX 2017 it has been 4-5 times a day including one Saturday call.
Consumer complaint received 2019-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

I made an ATM deposit on XXXX 2019 at XXXX XXXX in the middle of the transaction the ATM broke and spit out a receipt it reads your deposit has been received your account will be credited upon verification of the deposit if you have questions please call XXXX XXXX to Wells. I called Wells Fargo on the XXXX and filed a claim 12 days later Im still missing the deposit Wells Fargo in no way shape or form is cooperating
Consumer complaint received 2019-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PARSON BISHOP SERVICES, INC (NY)

Parson-Bishop Services , Inc. put a derogatory mark on my credit report saying that I have an outstanding, unpaid balance with XXXX XXXX for {$490.00} ( was co-pay for XXXX XXXX  XXXX. I had paid this by check back in XXXX. My check was cashed and I have the images of the cashed check. 
Also, I tried to dispute it with XXXX  and they make it impossible to dispute anything on their web site. They go through a few steps to verify previous addresses, phone numbers, etc to make sure it is really you, then they tell you that you could not be verified and are not allowed to file the dispute unless you sign up for an account with them. This should be illegal. I was able to file a dispute on XXXX   web site with no problems and they didnt try pulling any tricks. 
Furthermore, I have contacted XXXX at XXXXXXXX XXXX and she confirmed that I did indeed pay {$490.00} in XXXX and that I indeed was paid completely and have no balance. 
I also called Parson-Bishop, explained everything and how they made a mistake and they said theyd look into it and call me back but never did and now I cant even get a hold of a live person again. 
My credit score was XXXX 2 days ago and now it dropped to XXXX in 1 day because of their fraudulent and false report to my credit report. I was in the process of looking at new houses and was quoted a very good interest rate because of my score and now my rate might go up and cost me more money because of their mistake. 
They should be able to sued or fined for this. And the credit reporting agencies just as guilty for doing no due diligence and just changing your score based on some accusation that I didnt pay a bill, which I did pay months ago, and giving me no say or due process to present my case, and making it impossible ( in the case of XXXX  ) to even do so. 
Something has to be done about this. These companies have too much power to ruin peoples lives with no accountability on their part. The government should never let this happen, yet they allow it.
Consumer complaint received 2019-02-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: National Credit Services, Inc. (NY)

In 2013 I consolidated ALL of my loans to make one bulk payment of {$12000.00} to National Credit Services to pay off all of those loans and I was told that total would pay off all of those loans. After paying that, I did not receive any calls or notices that I had payments due. 

I looked at my credit report in the last year and saw that this account was still open, so then I launched an investigation via my credit bureau to look into why this account was open, but did not get an answer. This really caught my attention when my tax refund was taken by this company. 

On XX/XX/XXXX around XXXX EST, I made a phone call to clear up the situation with the National Credit Services. What I learned is that there was a clerical error with my loan consolidation and that the loan was not consolidated correctly. 

I would like this removed from my account.
Consumer complaint received 2021-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Commercial Collection Corporation of New York, Inc. (MO)

The Commercial Collection Corporation of New York notified me by mail XX/XX/XXXX, that I had an outstanding balance of {$37.00} for a XXXX XXXXXXXX  account. 

I do not have, nor have I ever had, a XXXX XXXX account.
Consumer complaint received 2020-11-28
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. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ascendium Education Group (MT)

Thr XXXX  suggested I file a complaint here against my student loan " servicer '', Ascendium who took my student loans in 2019. They offset my taxes of {$5700.00} & told me they gave it to a company, new mexico but it's not on any statement. Now they direct me to XXXX  or XXXX XXXX  to resolve any issues since my loans are in default. According to fafsa, national system data site- my servicer is ascendium & NOT these other companies. I mailed paperwork, they claim not to have received & continue redirecting me. They removed themselves from my credit reports for XXXX  &  XXXX. I have contacted ascendium, fafsa, dept of edu, complained, ombudsman 's offices everywhere, XXXX   credit agencies etc. They still claim not to be my servicer so I can not resolve my loans, my offsets, I'm in default, it's nearly tax time again & I still dont have a servicer after 11 months!!! I have piles of paperwork & supporting documentation.
Consumer complaint received 2024-02-01
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX