davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I was out a dinner with my wife, after dinner as we were walking back to our car. I noticed the passenger side window broken. Documents from my glove compartment was stolen. All of my personal information was taken, Bank records, tax records and pay information. I called and file a report with local police. They provided me with a incident report and and advised me to contact the credit agencies and monitor my credit. Over time I noticed a few items on my credit report I did not authorized. I have been contacting the credit agencies for help and for some reason they are not willing to help. I wan to file a formal complaint to resole this issue. The below listed accounts are not mine and I request that they gets removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-28
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: EQUIFAX, INC. (IL)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the FCRA this late payment being reported for XXXX for XX/XX/2024 has violated my rights Per the 15 USC 1666B ( billing error ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2017-12-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (MI)

Constantly calling my mobile phone number [ XX/XX/17 @ XXXX XXXX, and not communicating with me at all when asked the nature of their business. Complete silence from beginning to end, they hold my phone line hostage and eventually hang up. The phone number they call from is supposedly a non-working number, so you can not return the call from the number they call you. They know they do n't have my permission to call me via mobile and may have call my place of employment. I berated them for calling between XXXX XXXX and XXXX XXXX. 

You must use a different phone [ landline ] in order to " ferret them out '' .Their initial tactics was 'robo-calling, ' that did n't work out for them. They are very uncooperative and never customer friendly. They refuse to answer questions posed to them. I had to fight to get their address of record.
Consumer complaint received 2017-12-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAVALRY INVESTMENTS, LLC (FL)

XXXX XXXX XXXX repeatedly calls me and leaves messages at all hours of the day. I have asked them to stop calling as I am disputing the debt amount but they continue to call. Their representatives are very rude and angry and condescending when speaking to them. This debt should not even be in collection and that is not the proper amount so their continued calls are unwarranted.
Consumer complaint received 2016-09-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (FL)

On XXXX I received a letter from XXXX stating that my application for a credit card had been denied and I should contact the credit bureau listed on the letter. I tried on line and they would deny me the report then I use the phone number on the letter and after giving then all the info it said they will transfer me to a Rep., it was busy and no way to get back or being placed on hold for the next rep, they finally hang up on me. 
I tried again but will not take my info anymore and there is no way you are allowed to talke to a live person. 
There should be a better way. On top of that the recording said I had to send by mail copies of all my documentation including SS card, driver license, bills, etc.. This is dangerous and I am not happy about it. How can we get a copy of the report by paying, but when it comes to a free copy they placed so many hurdles? UNFAIR. There is got to be a better way.
Consumer complaint received 2022-02-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Reali, Inc. (CA)

XX/XX/22 - Initiated contact with Reali.com. Filled out an application. 

XX/XX/22 - Locked in rate lock at 2.75 % by agreeing to 1.79 % points. Provided all documentation, including income and assets. Credit is excellent. LTV is approximately 60 %. 

XX/XX/22 - ( email ) Reali asked about COVID forbearance provided by XXXX XXXX. Provided applicable documentation. 

XX/XX/22 - ( email ) Reali updated saying they're still working through the forbearance. I questioned why there would be an issue as I've paid 4-5 months of payments since coming off forbearance and my expectation is lots of people are dealing with refinances post-COVID forbearances. 

XX/XX/22 - ( email ) Ask for update. Response a few days later with no new information. 

XX/XX/22 - ( email ) Ask for another update, express concern on how long it's taking. No response. 

XX/XX/22 - ( SMS ) Ask for an update. Get a response that they'll have an update in the afternoon. No update in the afternoon so contact them again via SMS, again expressing concerns on duration. No response. 

XX/XX/22 ( SMS ) Contact again for an update. 

XX/XX/22 ( SMS ) Response that " investor has come back and will do loan at XXXX % ''. Some back and forth as I was confused since I was locked in with a 2.75 % rate. No reasoning until I mention that it seems like Reali may be misleading customers/falsely advertising rates. At that point I'm told that I didn't qualify for underwriting guidelines. I expressed that I have not received notice of decline/non-qualification. 

XX/XX/22 ( Email ) Copied screenshots of text messages back to original email thread ( to consolidate communications ) and asked for an update. 

XX/XX/22 ( Email ) Received response. Told that second investor has declined and my file has been closed. 

XX/XX/22 ( Today ) According to my account on Reali, the process is still ongoing. I have not received any official notice of decline. According to XXXX, their document processing partner, my loan is still in open escrow and is currently in " Closing Prep ''.
Consumer complaint received 2017-12-08
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (MD)

I have contacted Navient regarding my student loan, while I was in school I was being contacted regarding my student loan was late and required attention. At this time I have been in school for almost 6 months and they were reporting that my student loan was late. It should 've been deferred because of my full time status in school. When I spoke to the rep, he stated that it was a mistake and the school did n't notify them of my full time status. He explained the process saying the school should have sent my status to the government loans and it would 've been automatically deferred. He decided to remove the late payment from my credit report. When I checked my credit report, it was not removed and it shows that I have 12 late payments on XXXX and 11 late payments on XXXX which is incorrect. I contacted them again, and the new reps said that I do n't have any late payments recorded on my account. I asked them again to ensure that I had no late payments and it was reflected incorrectly, they stated that in their system I do n't have any late payments. I then waited one month to see if the late payments would be removed from my account, and it has been past one month and the late payments are still showing. This is ruining my credit score totally as it shows that I 've been late recently on my student loans, and I have not. I have tried twice to contact customer service, and they were unable to see what I am speaking about but its reflecting on my credit report. This information will be noted on my account once sent to Navient.
Consumer complaint received 2017-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (MN)

I have an american express card that I made a payment to the wrong account ( there is only one number different between the last 5 digits of my account versus my husbands account ). There was a large credit to his account, we never recieved a call or notification despite them having all information about all accounts, my account was reported as late, and this went on for several months before I was sent their internal collections, XXXX. Since signing on with XXXX, XXXX continued to report my account as late even though every payment through them was made on time and even additional payments were made. Once I realized that the ongoing negative reporting had continued I spoke with XXXX, eventually got through to a supervisor of their Credit Bureau Unit who agreed that this was very messed up and felt that this was handled poorly and recommended that I speak to the Care Team and file a complaint and request a re-aging of the account. She transferred me and the representative took my name and number, told me that the Supervisor of that department would call me back and I never recieved a call. 

The following week, I again made several phone calls and began filing a complaint with the Inquiry Center whose representative, XXXX, was very helpful, agreed to file the complaint and reverse the credit to my husbands account and submit for a re-aging of my account and we were disconnected. I called back, was transferred 7 times, was assurred that I could not be connected with the exact representative, was transferred 4 more times and then told they could not talk to me because my account was in collections. 

My husband called and was finally able to speak to a customer service representative who stated that he saw all of the notes in the records, would complete the reversal of the credit from his account to my account, reverse all of the late reporting and that given my husbands permission to discuss this with me, that he would call me back within 10 minutes to confirm the agreed upon action. We again, have never recieved a call back.
Consumer complaint received 2017-12-08
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diversified Adjustment Service, Inc. (SC)

XXXX XXXX -- -collection agency Collecting for XXXX XXXX a charged off account Called last night XXXX XXXX XXXX, XXXX ) and would not identify where they were calling from but asked for my information. Caller said, " I will call you tomorrow. '' XXXX called today XXXX XXXX XXXX, XXXX approximately XXXX ) and asked for me by name. I verified who I am and my address when XXXX said it. 

I asked where she was calling from and what the call was in reference to. She stated the total and I asked how I would contact the company to verify this was an actual debt. She said, " You would have that information, but I have an original account number. '' I repeated the account number and let her know that I would need to contact XXXX. She again asked how I would be paying for the debt and stated the total again. Then said, " They are only going to tell you that it 's a charged off account and you need to pay the total. '' I repeated that I needed to contact them first, and XXXX said, " So, you are refusing to pay your debt? '' I said I was not refusing but wanted to verify and as she cut me off saying, " It sounds like you are refusing to pay your debt. They have sent you information on your debt and you need to pay it. '' I asked for her name and which she said for me and that I still needed to pay my bill. I tried to verify the name of the company she worked for and she hung up on me. The caller last night and XXXX, today, were aggressive, combative, insensitive, and unprofessional. In light of recent credit card scams, they should have been more professional about handling my case.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

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

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-02-28
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: EQUIFAX, INC. (AZ)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (AZ)

On XX/XX/2024 I received a fraudulent hard credit inquiry from XXXX XXXX XXXX XXXXXXXX XXXX was not able to locate any application for credit with my provide SSN. But, I need to have the hard inquiry removed from my credit file.
Consumer complaint received 2020-07-13
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)

THE DISPUTED ACCOUNTS AND INQUIRIES HAVE BEEN CASUING SERIOUS DAMAGE TO MY CREDIT REPORT AND I AM NOT LIABLE TO THOSE REPORTING. THEY ARE INACCURATELT PLACED ON MY CREDIT FILE AND HAVE BEEN REPORTING FALSE TRANSACTIONS. I AM REQUESTING IMMEDIATE REMOVAL OF THOSE DEROGATORY MARKS AND INQUIRIES THAT HAVE CAUSED MY REPORT TO BE MEDIOCRE. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE REMOVED.
Consumer complaint received 2018-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (FL)

Every time I contact Seterus and attempt to make my mortgage payment, they will not allow me to make my payment. Each of their agents keep me on the phone for long periods of time asking the same questions over and over attempting to badger me into committing to payments and payment dates that I know I can not keep. My payment is only one month behind but since they will not allow me to make the payment, I am in danger of falling further behind and I am incurring additional late fees. The tactics used are forcing me to incur late fees and damaging information being added to my credit report. At this point, I feel the company is attempting to force me into foreclosure and using very heavy handed tactics. At the end of the conversation today on XX/XX/2018 at XXXX, the agent would not allow me to make my payment.
Consumer complaint received 2017-12-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (MA)

XXXX XXXX XXXX is reporting on my credit report for the amount of XXXX. I disputed this item and also sent XXXX XXXX XXXX debt validation on XXXX XXXX, 2017. XXXX XXXX XXXX has not responding and XXXX XXXX XXXX keeps reporting this item on my XXXX credit report
Consumer complaint received 2021-09-02
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: OneMain Finance Corporation (TN)

I recently noticed an inquiry on my credit profile from One Main. Ive never applied for any loan with them. Ive contacted the company directly 4 times asking them to remove this inquiry but they just give me the run around. Theyre not able to verify that I applied. I asked them to provide the IP address for the computer/mobile device used the day of the alleged inquiry from me and they were unable to provide one.
Consumer complaint received 2020-07-13
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (NY)

My FICO score dramatically decreased due to credit acceptance Corp reporting 30 days past due on my account. Their system reflects I paid XXXX payment XX/XX/20 when in fact it was paid XX/XX/20 at XXXX XXXX eastern time. I disputed with credit bureau and made numerous attempts to reach them to attempt a goodwill deletion to no avail. The payment was not more than 30 days due to the pandemic I tried my best to pay on time and in the 45 months thus far with my loan I have never been late. I have 7 months left and asked them to please resolve this as I consider myself a good customer they simply added a natural disaster code on my report which did absolutely nothing for my score. I believe my payment did not reach the new billing cycle and their reporting is not correct and based on my payment history they should work with me. I will have paid them XXXX for a car that was only XXXX due to high interest rates however I never complained and have always paid them every month and not they will not help me in a time where the whole country is struggling.
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Navient Solutions, LLC. (KY)

I have just completed a chapter XXXX bankruptcy and it was discharged XXXX/2017. The case was completed and is closed. Navient are now reporting we have now filed a petition for a chapter XXXX and we have not. Our case is closed and no petition has been filed but they are reporting this incorrect information to XXXX and wont updated it.
Consumer complaint received 2020-06-24
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. (FL)

Equifax continues to report a fraudulent account on my credit report that does not belong to me. For this reason, I have been denied credit. They are in violation of the FCRA and I plan to sue.
Consumer complaint received 2017-12-08
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (VA)

OCWEN Loan servicing on behalf of XXXX XXXX, engages in unethical business practices and predatory lending by offering loan modifications in lieu of foreclosure, that take complete advantage of the consumer. 

In XX/XX/XXXX, I was offered a modification ( Shared Appreciation to lower my principle balance ) that was acceptable to both me & Ocwen/XXXX XXXX when my Father died, and I became behind on the payments. I reinstated this loan as soon as I was working, and Ocwen/XXXX XXXX RECINDED the Shared appreciation reduction in the form of a {$50000.00} a balloon payment, AFTER having me declare it as income because the loan was current!! 
Still, I paid faithfully until XX/XX/XXXX when I lost my job. Since then, I have been working part time, and have " successfully qualified for a modification to have my loan remain current ; '' IF I make three " trial payments '' successfully. 

OCWEN/WF provided a trial monthly payment that was barely feasible, and I was to pay it on time for 3 months with NO INFORMATION ON THE " AGREEMENT '' I WAS PAYING TOWARDS! 

I successfully made the 3 trial payments ( XX/XX/XXXX-XX/XX/XXXX ) and was FINALLY sent the modification loan documents that had been previously withheld -- I REFUSE TO SIGN THIS AGREEMENT! IF I sign these papers, I will now have a new 30 year loan, AND a {$110000.00} balloon payment!!! 

When I inquired as to the loan balance on my current loan, they refused to give it to me, until a property inspection could be done!! 

OCWEN/XXXX XXXX makes it VERY clear in these new loan " modification documents '' that they do NOT have to make any such offer & will pursue foreclosure if I do not agree to the terms, unless I can reinstate the current loan ( that they refuse to tell me what I owe on )!!!! 

OCWEN/XXXX XXXX also added TENS OF THOUSANDS OF DOLLARS IN FEES to the loan balance! 

This is PREDATORY LENDING!!!! They have me in a very bad position with no choice other than to agree to these PREDATORY LENDING TERMS!! 

I would like someone to review this on my behalf -- XXXX XXXX has been shown to have unethical business practices in banking, and OCWEN is involved in a class action suit regarding their collection practices. 

I have absolutely no doubt the terms as they have been withheld & then presented ONLY AFTER I made 3 payments, violates a number of rules.
Consumer complaint received 2017-12-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: 2288984 Ontario Inc. (OH)

this was a payday online loan debt trap with extra amounts added to my pay back amount, which i was unable to meet their pay back guidelines, due to paying my rent and lights, gas, causing financial stress on my household. Receiving harassment emails. Affecting my credit score.