davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-20
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: National Credit Systems,Inc. (IL)

I explained to them I do not Owe anybody anything, and if I did then the company that's in question should have taken me to court a long time ago. They have not done that because they are known for fraudulent activities which I reported to IDFPR and they subsequently was fined for numerous infractions and deceitfulness ( That company being XXXX XXXX XXXX whose real business name should have been XXXX XXXX out of New York ). They were order to change their name because they were operating under XXXX XXXX XXXX illegally and using staff persons that were not actually licensed in the state of Illinois to practice as Leasing Agents or had expired licenses, they also used the bait and switch on numerous unsuspecting tenants including myself and were fined for that also. They tried to get rid of me by raising the rent on a contracted XXXX XXXX XXXX unit that I was renting, but XXXX refused there increase, so instead of ( XXXX XXXX XXXX  or XXXX XXXX ) taking XXXX to court, they instead tried to include the rent increase that was denied into my utility bill without notice or authorization by XXXX. This is just another example of how they treat honest hard working people and they keep getting away with it. They also retaliated against me because of a negative " XXXX '' posting I made about them and their terrible customer service and unpatriotic activities. I sent National Credit System Inc.XXXX XXXX XXXXXXXX GA XXXX a Cease and Desist Letter by certified mail and they again contacted me by mail twice after receiving the letter from me, so that's what brought me to this website for help. I am also an XXXX  XXXX XXXX XXXX veteran.
Consumer complaint received 2021-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group (TX)

XXXX XXXX XXXX $ XXXX THIS IS NOT MY DEBT THIS HAS BEEN HENDERING ME IM UNABLE TO RESIDE WHERE I WANT DO TO A DEBT THAT DOES NOT BELONG TO ME PLEASE DELETE THIS DEBT THIS IMMEDIATLEY. I KNOW MY RIGHT THIS IS ILLEGAL.
Consumer complaint received 2020-07-20
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)

MY INFORMATION WAS USED WITHOUT MY KNOWLEDGE AND CONSENT SOMONE STOLE IDENTITY AND OPEN SEVERAL FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2024-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data
Consumer complaint received 2019-05-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc (FL)

I have a medical debt, and the hospital transfer to collection company which I understand, Now the collection company call me and promise me that if I paid in full they are going to remove the collection from credit report. I paid on XX/XX/XXXX of 2019 and one month late the collection is still in my credit report. 

Is not fair that they promise remove that and they didn't.
Consumer complaint received 2024-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I notice an error on my credit report from a company called XXXX. I reached out to the company because they had reported that my account was over 60 days late which was not accurate. I immediately filed a dispute with the credit bureaus explaining that the information of my report was inaccurate. I wrote a letter asking for the information be correct and provide proof about the inaccuracies. At first Transunion fixed the error but last week put the inaccurate information back on my report. XXXX as never fixed the error and stated that the information was accurate. I asked for copies of the investigation to see why they said the information was accurate. I have yet to receive anything. It has been two months.
Consumer complaint received 2017-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

I have repeatedly attempted to get my accounts status corrected with Experian.     I was just declined credit due to the fact that there is inaccurate and erroneous information on my credit report. I have a Chapter  XXXX  Bankruptcy that was discharged in   XX/XX/XXXX  . They have an account that still shows as " Charged Off '' I just a ttempted ( XX/XX/XXXX  ) t o get credit and was denied. I was told that the reasoning is there is a charge off on my account showing. I have attempted to dispute AGAIN the status of this account and all I got back from them is " We have already investigated this information, and the source, creditor or public record has verified that it is correct. If you still have a question about it, you may want to contact the source, or if you have additional relevant information, click here. '' With no option to have this error corrected.  <P/> This account was included in my Bankruptcy and discharged along with other accounts that show a s " Status : Discharged thro ugh Bankruptcy  Chapter   XXXX . '' But fo r SOME reason this one car d shows as " Account  Charged  Off '' even though they were all part of the SAME Bankruptcy.  <P/> Experian is making it even harder by telling me there is nothing they can do as the company says the status is accurate even though you can tell just by LOOKING at it that it 's wrong. And today it cost me.  <P/> My next step is to file a FCRA complaint as there is no way that this account is " Charged Off '' there is no validation for that and of course..Experian does n't care.
Consumer complaint received 2016-09-14
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Onity Group Inc. (MD)

The actions being taken against my dwelling by OCWEN LOAN SERVICING , LLC and it 's agent XXXX, XXXX XXXX XXXX , XXXX & XXXX XXXX XXXX in the Circuit Court of XXXX County is in violation of the Consumer Financial Protection Bureau Consent Judgment # XXXX against OCWEN FINANCIAL CORPORATION and OCWEN LOAN SERVICING , LLC ( OCWEN ) for violating numerous laws, including but not limited to the Unfair and Deceptive Acts and Practices law and the Consumer Financial Protection Act of 2010. 

A FDCPA demand was mailed in XXXX XXXX and as of this date the Respondents have failed to provide evidence required by the CFPB and under the FDCPA that OCWEN is a 15 USC 1692a ( 4 ) creditor, yet is proceeding in an action that would be in violation of 15 UCS 1692g to cease and desist absent verification.
Consumer complaint received 2015-09-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

we had a mortgage with Homecomings Financial back in XXXX and in XXXX we became delinquent on the Mortgage. First delinquency was XXXX XXXX. By XXXX we received threatening letters and by XXXX XXXX we got a Letter of Default from Homecomings. Throughout XXXX we were delinquent but because we were frightened by worked hard to pay what we could. In XXXX XXXX Homecomings Financial transferred to GMAC. GMAC took a final payment from us and applied it XXXX XXXX XXXX then reset the clock for our first delinquency as XXXX XXXX XXXX. After that they started foreclosure proceedings even though we were attempting loan modification and short sale. By XXXX XXXX they foreclosed. Ever since they have counted seven years from XXXX XXXX as if that is our first delinquency but it is NOT. We are now actually almost eight years past first delinquency which was XXXX XXXX. But GMAC went bankrupt in XXXX. The credit agencies will not respond to our multiple disputes ( more than XXXX ) and GMAC is not reachable. We can not buy a house or borrow money. The foreclosure remains on record and the credit reporting agencies continue to reject our requests to delete the account from our record now that seven years has past. Now they are saying it will go off record seven years after the last activity which is the last time GMAC forced money out of us. That can not possibly be legal. We need help. There is no way foreclosure can stay on your record for ten years just because GMAC is bankrupt.
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Certegy Holdings, LLC (TX)

I presented a check at a XXXX grocery store in XXXX XXXX, Tx on XXXX ( Check # XXXX XXXX for groceries for {$98.00}. They refused the check and told me I had to contact Certegy about the problem. I mailed a FACT Act Free Annual File Disclosure Request Form to Certegy on XXXX. I have not received any information from them. I did the request form on the phone with Certegy on XXXX File # XXXX and still have not received any information from them. The same day I mailed the FACT Act Form to Certegy, I also mailed a credit request form to all three of the credit reporting companies ( XXXX, XXXX  and XXXX  ) and have received all three reports back from these credit reporting companies. All my reports are in good standing. Certegy has NOT mailed me a report nor have they contacted me in any way about why they have refused to accept my checks.
Consumer complaint received 2016-01-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NY)

My mortgage loan was transferred from XXXX. to Loancare at the end of XXXX. I received a statement on XXXX/XXXX/XXXX for payment due XXXX/XXXX/XXXX, of which I paid immediately. I NEVER received a statement/bill in XXXX for XXXX payment. I called on XXXX/XXXX/XXXX to inquire as to why a statement had not been sent for a bill due in a week. She claimed it was due to the weather! I decided to pay the bill online and the ONLY statement on the website was the XXXX/XXXX/XXXX statement. When I called Loancare back to let them know the website statement was not current nor up to date, I was placed on hold for 25 minutes which went past hours of operation and so my concerns were never heard. This level of incompetency for a company in charge of mortgages and tax payments is completely unacceptable.
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (CA)

I have NEVER lived I 'm XXXX. I have told XXXX credit bureaus previously. My ex-wife and my daughter lived at these addresses in XXXX. I lived on XXXX from XXXX until XXXX XXXX. I moved from there to XXXX. I never lived in XXXX. I WOULD APPRECIATE XXXX credit bureaus removing the XXXX addresses from my record and put my correct addresses on my record. 
Thanks
Consumer complaint received 2021-03-02
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

Nissan Motor Credit has reported a late payment for for XX/XX/XXXX of more than 30 days late. In XX/XX/XXXX I contacted Nissan Motor Credit and asked for forbearance due to COVID 19 impact for 90 days. They honored it in XXXX but for XXXX they reported me as being late. I contacted them once I found out in XXXX and paid XXXX and XXXX and XXXX payment at once and asked them to correct this late reporting as it should have not been reported since the forbearance was due to COVID-19. I sent a certified letter to their home office per their instructions and requested the credit reporting update ASAP. It is not XX/XX/XXXX and to this date they have not done the correction. This has impacted my credit negatively. 
I have included the letter I had sent to Nissan Motor Credit asking for this correction.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

Bayview loans .I 'm closing on my apt XXXX XXXX XXXX.Bayview reassure me that I Wouldn't t be reported to the credit bureaus for a late payment! when the coop apt is being paided off on the XXXX XXXX XXXX.Please reach out to Bayview and have it corrected, thank you
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rent Recovery Solutions (MO)

I applied for XXXX XXXX, I received denial from XXXX XXXX. I believe the items denying are accounts that I have paid in full within the last 5-6mths. I have receipts/copies of payments! Debt from XXXX XXXX paid in full through Rent Recovery who held debt. Also, paid off XXXX bill. And XXXX debt originally for XXXX XXXX XXXX.
Consumer complaint received 2016-12-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (OK)

In XX/XX/XXXX I was in a wreck in my Nissan truck. It was a total loss, XXXX and XXXX paid Nissan Motor Acceptance Corporation in full. XX/XX/XXXX I received a certified PIF. Email, letter and verbal confirmation from XXXX with Nissan stating that, " Thank you for financing your vehicle through Nissan Motor Acceptance Corporation and our participating dealer. This letter certifies that your vehicle is paid-in-full and the lien has been satisfied as of XX/XX/XXXX. 
Thank you for your past patronage and we look forward to assisting you with your financing needs in the future. if you have any questions, or if we can be of further assistance, please feel free to contact our office at XXXX. We are available to assist you from XXXX central time, XXXX through XXXX. 
Sincerely, Consumer Communications Nissan Motor Acceptance Corporation Customer Center XXXX '' I am now in the end stages of closing on a home and Nissan is reporting to the credit bureau that there is a balance owed on the account. After months of trying to get it resolved they will only keep me on hold indefinitely or hang up on me. I have sent them copy 's of the email and letters they sent me with the issue still not being resolved. 
I am XXXX from being wounded in XXXX while in the XXXX, this delay on my home is literally killing me because I have XXXX that are worsening due to my living conditions. I need help resolving this and am not getting a solution from Nissan.
Consumer complaint received 2022-04-02
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. (MD)

Filed a fraud complaint with XXXX XXXX XXXX XXXX The following account listed doesn't belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

Capital one will not refinance my loan. I have paid XXXX $ + and owe XXXX more. Ive made payments consecutively of XXXX a month for the last three years and will be paying twice as much for the vehicle. They wont refinance me.
Consumer complaint received 2018-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I'm filing a complaint about Equifax 's Security Freeze process. I was able to easily put Security Freezes on my and my husband 's credit through XXXX and XXXX, so I know the problem is Equifax and not me. 

The Equifax website is cumbersome and there is no direct link to beginning the Security Freeze process. There is to Equifax 's Lock & Alert, but this is not what I wanted. Once I found how to do the freeze online, the system would not allow me past the Submit button. It just kept swirling and returning me to the captcha. I was able to get through once for one security freeze, but that also ended in an error message for the 'One-Time Only PDF ' so we needed to call. 

Trying through the phone process was even worse. The agents ' accents were too strong to understand and they asked questions for which we needed to look up each answer taking tons of time. We successfully completed the process for me, but not for my husband. I spent no less than 2 hours trying to accomplish this today, whereas neither XXXX or XXXX took more than 15 minutes. And they did not try to push a different product on me such as the Lock & Alert.
Consumer complaint received 2020-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CO)

I recently refinanced my home mortgage with XXXX XXXX  XXXX, and my new loan funded on XX/XX/XXXX. I called my new servicer, The Money Source, Inc. ( TMS ) on XX/XX/XXXX, and asked that my property taxes ( $ XXXXmo ) be removed from my monthly payments, and to have my escrow account balance ( {$380.00} ) refunded to me. My property taxes are the only item going into the escrow account, and I want to pay them directly myself. TMS told me that it would take XXXX business days to complete my request. When nothing happened, I called TMS again on XX/XX/XXXX, and they told me that my request was in process, and would take another 24/48 hours to complete. Today is XX/XX/XXXX, the request remains unfulfilled, and I have not heard from TMS since calling them on XX/XX/XXXX. I am submitting this complaint because at this point, I am doubtful that they are actually processing my request. I am attaching the monthly billing statement I currently see when I log into my TMS account, confirming that my request has still not been processed. 

In summary : I would like property taxes ( $ XXXX ) removed from my monthly payment, and I would like the balance of my escrow account ( {$380.00} ) refunded to me. My current monthly payment is {$1500.00}, and my new monthly payment ( due XXXX ) should be {$1400.00}.
Consumer complaint received 2015-05-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Ocwen is trying to force an escrow on us. This was closed last year and we thought it was over. Yesterday, XXXX XXXX, 2015 they paid my insurance with no authorization from anyone. In addition, they over paid the premium by almost {$1200.00}. In today 's mail I received information on an escrow and they want to add {$790.00} per month to our payment. We have never had an escrow and do n't want an escrow. And what they are charging is more then XXXX times the cost of our insurance.
Consumer complaint received 2016-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Past Dispute XXXX Completed Submission Pending Submitted to TransUnion Under Investigation Completed XXXX XXXX, XXXX XXXX XXXX, XXXX Completion Date Dispute Results TransUnion received your request on XXXX XXXX, XXXX and completed their investigation on XXXX XXXX, XXXX. Please review the results carefully. 
Result : Deleted - TransUnion has deleted the account or record from your TransUnion credit report. 
If you are not satisfied with the results of your dispute request investigation, you may complete and submit a Request for Investigation directly to TransUnion at the address below, along with any supporting documentation. You may also request that TransUnion add an explanatory statement of XXXX words or less to your credit report. 
Account Name Original Creditor Open Date Status Balance XXXX XXXX XXXX, XXXX Open {$87.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX Original Creditor XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date Responsibility Individual Balance {$87.00} High Balance {$87.00} Remarks Placed for collection
Consumer complaint received 2021-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (TX)

Our lender did an escrow audit on XX/XX/21 which showed a surplus of over {$3600.00}. I called on XX/XX/21 about the refund check and was told it was still in process. After telling the representative that it legally was meant to be returned to me within 30 days, she spoke to a manager who told her to say it had been mailed out on XX/XX/21. We still have not received a check as of XX/XX/21. This is in line with their same practices from last year as well.