davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

There was a inquiry placed on my credit report from XXXXXXXX XXXX on XX/XX/2020. 
I reached out to them to advise that I had did not submit an inquiry to the company and reported the issue as fraud. To date the inquiry has not been removed from my credit report.
Consumer complaint received 2020-11-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I wrote and mailed a check to Capital One Bank on XX/XX/2020 for an allegedly debt for credit debit. We agreed if they cashed the check all debt with debt would have been cleared and they will remove the negative accounts from my credit report from all 3 bureaus.
Consumer complaint received 2020-10-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NJ LENDERS CORP (NJ)

IN XXXX I " BOUGHT '' MY XXXX XXXX XXXX XXXX XXXX HOUSE WITH A XXXX XXXX XXXX XXXX XXXX I SUBSEQUENTLY " REFINANCED '' WITH NJ LENDERS IN XXXX I HAVE BEEN INFORMED THAT NO MONEY WAS PAID OUT TO XXXX XXXX XXXX XXXX WHEN I " REFINANCED '' IN XXXX. THERE IS NO RECORD AT XXXX OF THE MORTGAGE AND NO DISCHARGE WAS FILED IN XXXX WHEN THE ALLEGED " REFINANCE '' TOOK PLACE. I HAVE ASKED FOR PROOF OF PAYMENT TO XXXX XXXX XXXX XXXX WITH THE DOLLAR AMOUNT PAID AND A COPY OF THE DISCHARGE OF THE MORTGAGE. I KEEP ON GETTING PAPERWORK THAT I ALREADY HAVE AND DON'T NEED. I HAVE VERY GOOD REASON TO BELIEVE THAT FRAUD HAS TAKEN PLACE FOR A NUMBER OF REASONS THAT INCLUDE VARIOUS DOLLAR AMOUNTS OWED. 
ATTACHED IS A COPY OF THE LETTER THAT I RECEIVED TODAY. 
I DID NOT REQUEST A COPY OF THE MORTGAGE!!!!!! 
PLEASE PROVIDE THE FOLLOWING : I AM REQUESTING : 1 ) A COPY OF THE CHECK THAT WAS USED TO PAY OFF THE XXXX XXXX XXXX XXXX " MORTGAGE '' 2 ) A COPY OF THE DISCHARGE OF MORTGAGE PLEASE DO NO CONTINUE TO SEND ME USELESS DOCUMENTS. I AM REQUESTING # 1 & # 2 ONLY
Consumer complaint received 2019-08-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (TX)

I had XXXX, i had met all my outer pocket and deductible. This procedure was 100% paid for by my insurance. After the procedure, the doctor sent my XXXX  to a out of network company. Which i was billed this $XXXX medical bill. This medical bill belongs to the hospital.
Consumer complaint received 2016-11-10
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CA)

Ocwen Loan Servicing and XXXX XXXX have committed years of fraud against me and I ca n't get help from anyone. 2008, during pending litigation XXXX XXXX and Ocwen Loan Servicing used forged fabricated documented in court to seek judgement to rescind my Full Reconveyance. My original loan amount that was paid off was {$550000.00}. Ocwen threatened me to either except a {$750000.00} loan modification or they would foreclosure on my home in just days, and threatened if I ever discuss the Loan with anyone they would again foreclose. I filed multiple police reports, XXXX complaints along with evidence of fraud but since the system is so corrrupt I ca n't get help. I sent all evidence to XXXX attorney. Please give me the right to have a fair investigation or please involve the FBI in my matter so they can investigate the fraud that Ocwen throws in my face.
Consumer complaint received 2020-07-16
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: HW Holding, Inc (TX)

Hunter Warfield, XXXX  leaked my personal information as well as the information of over 143 million Americans. This situation has affected me mentally as well as damaged my overall credit score and  credit health. The three major credit bureaus XXXX, XXXX, and XXXX  are now reporting accounts to my credit file that are a direct result of Identity theft. Credit reporting laws ensure that bureaus report only 100 % accurate credit information, and every step must be taken to assure the information reported is completely accurate and correct. 

I have requested debt validation ( I have kept proof of this request, which I plan to use this information in court ) I have yet received any information in over 90 days. The Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) requires you to respond and validate any listed on a consumer 's  credit file within 30 days, your company has not done so. I am distressed that this account is currently being reported to my credit file. While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. I will bring this information forth to a judge in my area, if these accounts are not removed from my credit file. 

The Fair Credit Reporting Act requires you to remove this account from my credit report as soon as possible. My lawyer has taken the steps necessary in order to bring this information forth to a judge in my area if this account is not removed from my credit file as soon as possible.
Consumer complaint received 2017-09-06
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)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-08-23
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

We have requested that Ocwen Loan Servicing correspond with our Attorney to agree upon a loan payoff offer. They continue to delay stating that they do not have permission to speak with a third party. I gave permission by phone and by email.
Consumer complaint received 2020-07-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (PA)

Ive tried to email and call into XXXX about this debt but XXXX stated that the debt was sold and they no longer had liability of the debtI advise XXXX of the debt was not mines to be collected and I was not going to speak to a collections company for a debt that was not my own
Consumer complaint received 2019-05-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio Recovery keeps calling my number trying to collect a debt on someone else, I have told them several times this is not a good number for this person, and to remove my number from their call list. 

They still call several times a day from several numbers trying to hide caller id information. 

Attached are the calls that pop up on caller id.
Consumer complaint received 2018-04-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. ()

After I contacted CFPB about this Navient issue, due date was postponed to XX/XX/XXXX,  according to the attachment. Shortly after, Navient changed the due date to XX/XX/XXXX. 

Due date should be XX/XX/XXXX and not XX/XX/XXXX Last year, I sent multiple requests to Navient to correct the date of the Deferment or Forbearance or whatever you want to call it at Navient. 


My priority is to finish what I started over here ... At this point, the focus is on completing the education to become licensed in XXXX. I am doing combined XXXX/XXXX/XXXX program in XXXX. 



I owed the U.S. government much more money than Navient/XXXX. Despite XXXX  is no longer approved to receive Federal loans, U.S. Dept. of Education is collaborating and reduced my payment to XXXX per month. Navient/XXXX are known to give students a hard time. 


Again, as I can not make any payment at this time. Co-signer can not make any payment either. Stop harassing the co-signer. 


This Navient loan was processed in a cheating way via XXXX and XXXX. I applied for federal loan first XXXX and XXXX had refused to process the federal loan but XXXX XXXX private loan. XXXX   was still eligible for Federal loan. Then XXXX and XXXX forced students to find a co-signer or drop out of school. I and other victims found out about the scandal because there were two U.S. military students in school who got their Fed loans processed directly ... So it was a lie, to get student to take private loans from XXXX, instead from U.S. government. Other students, like myself, complained about it. XXXX  never provided an explanation. 


Navient/XXXX are being tolerated. If the system was functioning correctly, I and none of my classmates would sign up for this loan.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX, Equifax, and several other financial institutions have been sharing private consumer information without prior consent to third partys that i have no business with which is in direct violation of 6802 ( b ) ( 1 ) ( b ). Also finacial instutions have been violations 15 us code 1681 ( a ) ( a ) ( 2 ), which state that they cant report credit transaction and they have been reporting late payments which unlawfully
Consumer complaint received 2018-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC (MA)

My mortgage company, since the time of my closing in XX/XX/XXXX, has been charging me monthly in tax escrow what I should be paying quarterly. I.E. my newest bill shows I owe {$580.00} as part of my MONTHLY payment. My tax payments are actually {$580.00} owed EVERY THREE MONTHS. 

The condo I bought is in a new development of four units, and the parcel does not officially split into 4 parcels until XX/XX/XXXX. This is why the City tax collector sent us a letter stating what each unit individually owes since we only have one tax ID. 


I have been in contact with them multiple times since XX/XX/XXXX ( 10 to be exact ), when I first received a letter from my city 's tax assessor. Still nothing has been done to rectify the situation. They did do an escrow analysis after my 9th call and multiple previous requests that allegedly got lost in their system. My payments went up, based on the tax increase ( my city tax payment per the city 's assessor, increased from {$430.00} to {$530.00} ), but they have failed to correct my monthly payments. Currently I am paying {$6400.00} per year when I should only be paying {$2100.00} annually.
Consumer complaint received 2021-08-12
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. (MI)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2020-07-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (CA)

Santander Car Loan ; Today I pulled an XXXX  report today and I had two deliquated months on a car loan. My car loan payment where being return. I never received any information letter email on whom the new car loan carrier was. The only way I found out that who took over my car loan was that I pulled a report from XXXX. 

I need a welcome letter an account number, the normal things that happen when some assume a loan. 


XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2021-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

I am writing this letter in hope of recovering a missing mortgage payment I have made to Wells Fargo on XX/XX/2021 through my checking account aXXXX XXXX  XXXX XXXX On XX/XX/2021. I have always made my regular monthly Mortgage payment to Wells Fargo, yet they claim I am one month behind. 
Problem : When contacted to inquire about the missing payment, Wells Fargo claims, my XX/XX/XXXX payment was returned to my checking account at XXXX XXXX XXXX on XX/XX/XXXX as Revoked, and no further explanation was provided to why. According to my checking statement, no payments were returned by Wells Fargo. When contacted XXXX  XXXX XXXX about the returned payment, XXXX XXXX have denied ever receiving a returned payment. ( Please see the evidence ) Please note, prior to my XX/XX/2021 mortgage payment, my checking account at XXXX XXXX XXXX had more than enough money to cover the mortgage payment. 
As of today, Wells Fargo has closed all my claims against the missing mortgage payment, and informed me I am currently one month behind on my mortgage payment due to a revoked payment on XX/XX/XXXX. Also, XXXX  XXXX XXXX refused to open a new case to find the missing payment. 
I have all the evidence to prove that I have paid all of my mortgage payments since the mortgage was created. At this point, either the XXXX XXXX XXXX or Wells Fargo are holding one mortgage payment in the amount of {$3400.00} and not returning to me. 
Please help! 
XXXX XXXX
Consumer complaint received 2020-07-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, DEPT OF ED/XXXX   XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA
Consumer complaint received 2020-10-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

HI I filing a complaint against the credit bureaus because I made several disputes to them regarding my concerns and they are not following the laws. They have not provided me with any of my investigation results.. I sent out several letters explaining to them my concerns with whats on my credit.. I also sent out a 30day demand letter and they still aren't complying with the law.. This is a violation and dafamation of my character..
Consumer complaint received 2019-05-15
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. (TX)

XXXX XXXX XXXX is still reporting incorrectly to XXXX  and Transunion. The collection company had agreed to delete these line items in XX/XX/2019 four months ago - however this is still appearing on my credit report. ( Please see page 12 of the attached credit report. ) This incorrect reporting is harming my credit score.
Consumer complaint received 2023-03-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (AZ)

Working with XXXX has been a nightmare. After an accident, trying to obtain the proper documentation needed to close the loan has been made extremely difficult by the representatives. Each representative requests different documents. They say they'll send the requested documents and then don't. They have exceeded the XXXX business days. I have been hung up on multiple times. 
Specifically XXXX whom we spoke with XX/XX/2023 at approximately XXXX PST. He hung up on us previous to this call. However on this call we were denied to speak with a supervisor on multiple occasions. He refused to help us as requested. 
The refusal to assist and prolonging the process is unacceptable.
Consumer complaint received 2021-09-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

Three months ago I received your correspondence on this alleged account stating your verified / updated, this account was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.
Consumer complaint received 2020-12-04
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. (NY)

XXXX XX/XX/XXXX reported my account 30 days late when in fact my account was paid on time I made a {$34.00} payment on XX/XX/XXXX due date XX/XX/20 then I made another also made a {$25.00} on XX/XX/XXXX. Another payment of {$490.00} on XX/XX/XXXX minimum due is {$27.00} XX/XX/XXXX closed my account and days I was 30 days late when my payment wasnt late I made more than the minimum payment XX/XX/XXXX reported XX/XX/2020 30 days late when my account was closed in XX/XX/2020 and paid off
Consumer complaint received 2020-07-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, DEPT OF ED/XXXX, XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-17
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: Experian Information Solutions Inc. (TX)

FTC Violations XXXX XXXX {$380000.00} XXXX  XXXX {$1200.00} XXXX Card {$5300.00} XXXX XXXX XXXX {$5200.00} XXXX {$1300.00} XXXX XXXX XXXX {$2000.00} Inquiries : XXXX XXXX XXXX XXXX Please remove addresses : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2019-05-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (MT)

Ally bank took over GMAC. XXXX I paid off my 2009 XXXX early as I purchased it in XXXX brand new from a dealer in Idaho. I have copies of my last 9 checks and they are made out to Ally Bank and cashed/deposited to Ally Bank. I have called Ally bank 9 times and they refuse to give me my lien release. They say only the dealer can be sent the title when I in fact paid directly to Ally bank. They have sent me 4 letters they say I paid off my car. That is not enough for the state of Montana to change the title. The state of Montana needs an actual lien release. Through my 9 phone calls I was told only the dealer could be sent the title. Which they had some dealer in North Carolina as the dealer when in fact I bought the car in Idaho. They lie to me and tell me they are sending the lien release when in fact it is not, it is the letter stating that I paid off my car-four times they lied and sent me this letter. I started this process on XX/XX/XXXX and it is now XX/XX/XXXX and they are still being dishonest, in error sent my title to someone in North Carolina and I have no options as they will not help me at Ally bank. They are required by law to send me a title released of the lien and a lien release to the state of Montana. Which they have done neither and are breaking the law. They are also required by law to assist me when I paid them off and they are not. I have gathered I am not the first to struggle with Ally bank in this regard. Many have had to retain a lawyer to get a simple lien release. It is has been almost 7 years and they have 90 days to get me my title/lien release and they refuse.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX {$680.00}