davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NC)

There are several incidents with Equifax and my dispute of incorrect information. I will start with XXXX public records listed on my report that should no longer be present. A year ago I contacted the courts and the courts informed me that they were not reporting to the agencies to contact rental agency. I did that and rental agency contacted credit agencies that the bills were paid before court. XXXX deleted from my file as requested from the rental agency. Equifax however, only updated as satisfied. Several attempts have been made by myself and the rental agency to have information deleted as it should have not been on my report in the first place. I am trying to make major changes and this is hindering me from moving forward. I can not qualify for a mortgage with this hanging over me. Although Satisfied status it is still considered negative. I would like to know what I need to do in this case. Also, they refuse to give method of verification for any investigation they do. It states in the Consumer Rights that I have a right to that information. This has been going on back and forth for a year now.
Consumer complaint received 2016-10-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NV)

WE REQUEST A RESPONSE, PERTAINING TO OUR QUESTIONS ONLY AND NOT ANY ADDITIONAL INFORMATION AS OCWEN CONSTANTLY WANTS TO PROVIDE! WE DO NOT WANT XXXX XXXX IN THE OMBUDSMAN OFFICE TO RESPOND TO THIS COMPLAINT. XXXX XXXX CONSTANTLY PROVIDES ADDITIONAL INFORMATION WHEN IT WAS NOT REQUESTED, FAILS TO RESOLVE ANY ISSUES! FAILS TO PROVIDE THE INFORMATION THAT WERE ARE SEEKING THROUGH THE CFPB AND FAILS TO PROVIDE DOCUMENTATION. FAILURE TO COMPLY WILL RESULT IN MORE COMPLAINTS FILED AGAINST OCWEN LOAN SERVICING PRIOR TO LEGAL ACTION! 
Last week, I contacted Ocwen Ombudsman office and requested to have a supervisor call me regarding multiple issues. On XXXX XXXX XXXX at XXXX, I called Ocwen Ombudsman office again and spoke with XXXX. She stated that XXXX called us. We reviewed our voice mail and caller ID log and there was no call originated from Ocwen Loan Servicing! As of today, Ocwen has failed to contact us and speak to us regarding the issues that we have. I want to inform Ocwen Loan Servicing that I am a XXXX combat veteran. I get paid for my XXXX through the federal government. If the federal government shuts down for any reason, we would not be able to pay our mortgage. This would be no fault of ours! With this being said, if Ocwen Loan Servicing or any other company dealing with our mortgage loan tries to foreclosure in the future especially without the proper documentation, our attorney and I will request to go to foreclosure mediation where we will in fact inform the court of the fraud and robo-signing that has occurred with this loan! 
Now ; as Ocwen Loan Servicing is fully aware, we had a modification on XXXX XXXX XXXX from Litton Loan Servicing. We started paying on that modification when we found that the modification was fraudulent and stopped paying. On XXXX XXXX XXXX, Litton Loan Servicing filed for foreclosure and recorded this document with the XXXX County Recorder 's Office. We are fully aware, per the Security Exchange Commission that XXXX is the master servicer. The role of a master servicer is an entity that acts on behalf of a trustee for security holders ' benefit in collecting funds from borrower, advancing funds in the event of delinquencies and in the event of default, taking a property through foreclosure. We are requesting the following questions to be answered and provide documentation. 
First, did XXXX participate with our foreclosure ( s ) dated XXXX XXXX XXXX? 
Second, who or which company has Ocwen Loan Servicing been sending our monthly mortgage payments to each month? 
Keep in mind ; failure to respond by answering my questions and failing to provide documentation as requested may appear that Ocwen Loan Servicing is hiding something that maybe against the law! If Ocwen does not have this information, Ocwen can request this information from the appropriate company or companies! Failing to answer and provide documentation as requested will result in more complaints and action taken against Ocwen Loan Servicing!
Consumer complaint received 2022-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (LA)

After Hurricane Ida, my loan was automatically put into forbearance which I did not ask for. When this happened, it made the online payment option unavailable to me. The pay-by-phone method is also not available to me as I am told my loan account number is invalid. This puts an undue burden on me and has made paying my loan extremely difficult. It has also resulted in late payments. I should be able to easily pay my loan online or by using an automated phone system just like every other customer. The only option I have is to call and try to speak to a live person which can take a long time due to high call volumes and hold times. For four months, I have been calling Carrington Mortgage about this and it is still not resolved. I feel like this is a strategy used to make the payment process difficult resulting in late fees. 

Carrington Mortgage Loan XXXX
Consumer complaint received 2017-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Williams & Fudge, Inc (CA)

I mailed a letter requesting a Validation of Debt. The Validation of Debt letter was mailed via Certified Mail and delivered and signed for by a Williams & Fudge employee on XXXX at XXXX, SC XXXX. As of yet, the firm has not complied with my request. This VOD was mailed well within the 30 day time period as stated by law. 
Under the Fair Debt Collections Practices Act, it mandates in FDCPA section 809 ( b ), 15 USC 1692g, if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall CEASE AND DESIST collection of the debt, or any disputed portion thereof, UNTIL the debt collector obtains VALIDATION OF THE DEBT. 
If any debt collector fails to comply with the " validation of debt notice '' the borrower is entitled to an award of actual damages, statutory damages up to {$1000.00} XXXX per count ), cost and attorneys fees. 15 U.S.C. Sec. 1692k ( a ). Class action relief is also available. 15 U.S.C. Sec 1692k ( a ) ( B ). 
William 's & Fudge has not responded to my Verification of Debt, nor my follow up demand for my account to be closed due to their FDCPA violation. I have not received any documentation verifying the alleged debt, nor a confirmation of account closure that is required due to the company 's FDCPA violation.
Consumer complaint received 2016-10-04
Product: Consumer Loan — Personal line of credit
Issue: Problems when you are unable to pay — 
Company: EQUIFAX, INC. (GA)

Equifax credit reporting need to remove the Bankruptcy they have on my credit report because it was dismissed in XXXX without prejudices it was filed in XXXX. I talked to bankruptcy court they have nothing to do with sending it to Credit reporting companies. The other credit reporting have no information against me. I tried to have Equifax remove it. I have had XXXX hard hits against my credit report. Please help me.
Consumer complaint received 2016-11-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (FL)

I made a payment to payoff XXXX loan from FED Loan Servicing. The date the loan payment was disbursed XXXX/XXXX/2013. On XXXX when I made the payment the balance was {$810.00}. When I logged in on XXXX XXXX, I have a balance of {$14.00}. The operator gave me some explanation that did not make sense. I want a check refunded to me in the amount of {$14.00} that I made again today.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

As I reviewed my recent report, I have found a lot of erroneous information reporting on my Experian Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX bank account # XXXX this account is a old account and should be removed it was closed by the grantor i would like it removed i tryed to contact transunion on the matter and got no where please remove this from my transunion report thank you
Consumer complaint received 2016-08-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America XXXX is reporting inaccurate late payments on my credit file that is negatively impacting my scores.I have sent letters to Bank of america in XXXX and XXXX and they have yet to respond with a resolution. My payment history needs to be reviewed and corrected immediately!!
Consumer complaint received 2015-07-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America ( BoA ) resumed loan service XXXX/XXXX/15 after having had XXXX ( XXXX ) take it while we were in a Ch. XXXX. We owed for XXXX mortgage when transferred, but were current through XXXX. We have paid both XXXX and XXXX payment at the end of the month, but are current. The XXXX XXXX payment is due tomorrow ; the late fee kicks in on the XXXX. Despite these facts, we received a " Notice of Pre-Foreclosure Options '' today in the mail, which required XXXX signatures. 

We believe that BoA is acting predatorily since we had a loan modification during the XXXX so that the home currently has almost $ 100k equity. We believe the bank is using the technicality of the law to seize our property for pure financial gain, notwithstanding that it has been accepting our late payments and has not been charging us late fees. Additionally, there have been no previous notices. We have received statements, including XXXX for escrow, which states that our payments will increase by approximately $ XXXX/month beginning XXXX/XXXX/15.
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (PA)

Synchrony Bank is the issuer of my Sam 's Club credit card and they will not settle a dispute with a merchant. The merchant set-up two appointments for massage but failed to appear at either appointment. I requested a refund of {$150.00} for 3 pre-paid massages, and she has stated in emails that she will, and did refund my {$150.00} ; however, the credit has yet to appear on my account on the computer website for Synchrony bank.
Consumer complaint received 2015-09-02
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (TX)

I have been a customer of XXXX XXXX since XX/XX/XXXX. Recently, XXXX spun off their financial services arm which was purchased by BNY Mellon. Mellon closed the consumer financial services division on XX/XX/XXXX. I have contacted Mellon repeatedly since XX/XX/XXXX in an attempt to have the remaining funds in my account - almost {$6000.00} returned to me. Each time I call, I speak to supervisor, who tells me that now they need a different form, or a different letter, or a form sent to a different address, that the information that the last supervisor told me was incorrect. I have spoken to XXXX, XXXX, XXXX, and XXXX. I believe BNY Mellon has made a corporate decision to block as many redemptions as possible, with the hope that consumers will eventually give up, run out of time and leave their funds in the hands of Mellon.
Consumer complaint received 2015-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alorica Inc. (VA)

XXXX, acting this toime through West Asset Management , Inc, is making an attempt to falsely collect for a debt of {$150.00} that is supposedly for a signal booster that was never requested and never delivered because I did not have XXXX Service.
Consumer complaint received 2015-11-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

I took out an FHA loan on my property when I bought it over 6 years ago. At the time I put down over 20 % of the purchase price. Since my loan was FHA I still needed mortgage insurance. I refinanced 1 year later, and was told that since I had well over 20 % of the value of my property paid I had to wait 5 years and then I could get rid of my mortgage insurance. As of XXXX XXXX, 2015 it will be 5 years. I have been trying to initiate the process of getting rid of my PMI, but the company ( Ocwen ) has not been responding or telling me what to do. They are acting as if they are drawing out the process so that I have to continue paying PMI even though I do not have to. I have already paid my XXXX payment, which means my next statement should not have PMI on it. However, I have sent emails and gotten no response, and I have talked to customer service reps who say there is nothing they can do for me. I believe that Ocwen is purposely attempting to not help me in order to continue collecting money for PMI which I should not have to pay any longer.
Consumer complaint received 2023-04-13
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. (TX)

Recently, I did an investigation on my credit report which caused financial hardships & stress on me because, I feel like some of my personal information may have fallen into the wrong hands based on the Equifax data breach I found unverifiable, invalidated, inaccurate, and questionable items that XXXX, Equifax, XXXX didnt make sure it was reporting 100 % correct. I reached out to them and nothing was done. In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2017-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NC)

5 things that were previously deleted from my report were added back this month which includes a BANKRUPTCY, XXXX COLLECTION ACCOUNTS and several inquiries. These were previously disputed and deleted. 
the collections were XXXX, XXXX accounts and XXXX and the bankruptcy.
Consumer complaint received 2017-03-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (OR)

We financed a XXXX Volkswagen XXXX which became part of the VW Diesel scandal. We opted to return the vehicle and receive the compensation that was offered. As part of the terms of settlement, our loan was to be paid off directly with the remainder of settlement funds paid directly to us. We turned in our vehicle on XX/XX/2017, and within 3 days ( as per the settlement terms ) received a direct deposit of the funds owed us beyond the financed amount. We were informed that the loan would be paid off AS OF THE XX/XX/XXXX, the date we turned in the vehicle. We were also informed that overpayment would be sent to us directly from VW Credit. In early XX/XX/XXXX, we received a letter from VW Credit indicating a payoff date of XX/XX/XXXX. It is now XX/XX/XXXX, and we have yet to receive our check for overpayment. We had sent correspondence directly to VW Credit and informed that it could take several more weeks to receive our overpayment. Clearly, if we were several weeks overdue in making a loan payment, we would be subject to interest and late fees. The delay in receiving the refund of overpayment seems unreasonable. VW Credit has had our funds ( and those of thousands of other settlement participants ) and has benefitted from the delay in refunding overpayment to us. Our demand is as follows : 1. Payoff date to be modified to reflect a XX/XX/2017 payoff - the same date that we turned in the vehicle and no longer had use for it. 
2. Immediate payment of our reimbursement to include interest and late fees ( as would be calculated by VW Credit if our payment was late ) back dated to XX/XX/2017. 
3. An investigation into the delay and whether in the aggregate the withholding of prompt payment and failure to use the settlement date as date of loan payoff has inured to the benefit of VW Credit and against consumers.
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I was informed by XXXX XXXX mortgage specialist that I have two different files under same Social Security number at Equifax. I reached Equifax on phone at tel XXXX. After talking with multiple people on phone they promised me they will fix this problem in next 24 hours. I emailed them at XXXX with my Insurance card & driver 's license confirming my ID and request to fix my file as my banker will not approve loan with two files under on SSN. 

Today, I called them to follow up about this. They asked me bunch of security questions. As such, I do not have any loan an open balance with any bank, person kept ask me about minimum balance payment and loan amount of past closed loan. I do not have any balance and open loan, i replied. They were not happy with my answer and declined to fix my credit report. 

Here, I have signed Home purchase contract. I need to get finance approval this week to close my home early coming month. Due to error from their end ( two files under one SSN ), I am suffering to go through so many trouble and will have my mortgage declined. 

Why I need to suffer due to equifax 's mistake? Do I have any legal way so that they stop displaying wrong information? Shouldn't be their obligation whenever they have two files under same SSN they should be proactively reaching to me to fix it? Here, I am chasing so many people to get this resolved.
Consumer complaint received 2016-11-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NY)

I have few student loans from XXXX XXXX. The XXXX XXXX loans from them was on XX/XX/XXXX, XXXX XXXX loans was on XX/XX/XXXX. But based on Equifax 's credit file my loan starting dates are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am attaching the letter that I received from XXXX XXXX that shows the loan dates and amounts. I requested EQUIFAX to investigate the accounts but after 30 days they bring the conclusion that everything had been reported accurate. It 's a clear violation to FTC rules. Please ask them to remove the in accurate accounts to remove off my file.
Consumer complaint received 2015-03-26
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (GA)

CitCards has been charging me a penalty/default APR for over 2 years, yet the pricing information for account says the rate only applies for 6 months. I have brought this to their attention, but they have not resolved the situation, and have refused to do so. 

A copy of my email exchanges with them, as well as their Pricing Information is attached. See the section titled " Penalty APR and When it Applies '' and the subtopic titled " How Long Will the Penalty APR Apply? ''
Consumer complaint received 2019-05-21
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: CNG FINANCIAL CORPORATION (TX)

I was contacted today XX/XX/XXXX about a payday loan taken out in my name on XX/XX/XXXX that I never signed for nor did I have any knowledge about. I have never done business with Check N Go, and have received notice that they intend to sue me for three times the amount of the debt they claim I owe them. It is my belief that someone used my information for the purpose of obtaining this loan for themselves as I have not even had a bank account for nearly 6 years.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 and it also states consumer recording agency can not furnish account without my written instructions Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2018-03-19
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. (MO)

I have contacted each Credit Buruea about the inaccurate reporting of the Bankruptcy they do not meet the guidelines set forth to report this on my credit file, XXXX is the only Buruea that has acted accordingly to the rules and regulations, they stated this information was provided by a 3rd Party, therefore I would like the other 2 Burueas Experian and XXXX to remove and delete the Bankruptcy as well off my credit file. I have contacted the Bankruptcy court and they responded they do not provide this information to the Burueas or 3rd Party Agencies. Ive sent several letters asking them to dispose of this on my credit and they keep saying they verified it, which is not true.
Consumer complaint received 2017-02-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (CO)

I recently noticed fraudulent charges on my credit card and imediately
reported it to Wels Fargo, whom I bank with. I have subsequently canceled
and had a new credit card submited to me. Here is the old credit card
numberXXXX. This card was used for online subscriptions of
some type. I have a spread shet with the dates and the amounts. Threcompanies, XXXX, XXXX and XXXX. They have
puled for a total of $XXXX.
Al 3 of these companies apear to be the exact same company when I
researched them. I do have a spreadshet of al of the dates and the amounts
that each company puled from me