davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-15
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. (WI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2017-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (GA)

Navient is reporting late payments on my credit reports from XXXX-XXXX. At this time I was on an unemployment deferement & then a forbearance. I 've spoken to several representatives & most recently XXXX ( supervisor ) trying to get this issue resolved. All have verified that I was indeed deferred at this time but will not remove the inaccurate information. I 'm trying to buy a house & these marks are preventing that from happening. Please please help me get this issue resolved. I 've disputed on several occasions through both the credit bureaus & Navient itself. This has been a nightmare since Navient assumed my loans from XXXX.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OH)

Hi. For about 6 years I used chime XXXX XXXX as my primary bank account. Just for convenience and personal preference to physical banks. In the 6 years I was with them never had a XXXX taken or money missing. Last year ( XXXX ) my grandpa passed away and left me an inheritance. My grandma dispersed the money to me. Around {$39000.00}. I deposited the funds into my chime bank account. Not knowing the monthly limit was {$25000.00}. Luckily I transferred most of it out to a different bank account I had at the time. However, there was just over XXXX dollars left in the account. On XX/XX/XXXX, my chime account was closed without warning. For the past 2 months I have been calling over and over to be told multiple times that my account was in violation of there terms of service. I was told multiple times in the first several phone calls I made that my money would arrive to me within 30 days of account closure. Once the 30 days had surpassed, I made repeated phone calls asking about my money. I was told every time we are going to escalate your case and a member of chime services will reach out to you which they never did. The last phone call I made to them about a week ago they told me that I will not be refunded my money and that Im basically screwed. Upon further research, chime is technically not a bank but accounts opened through chime are protected by FDIC up to XXXX XXXX dollars. Like I said previously, the money I received was an inheritance. And I can prove it with records and my grandma has further proof of the transfers and can verify everything that I am saying. All my money is legit. At this point I dont even really care about the XXXX XXXX  I would just like to stick one to chime after 6 years of loyalty to be treated like this. So yes, I want my money back. Please help and thank you for your help.
Consumer complaint received 2017-02-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America My monthly bill states I owe {$870.00} in big, bold numbers. If I read the small print do I realize my regular mortgage payment is only {$840.00}. The wording on the front page of the bill makes you believe you owe {$870.00} which is really the mortgage only if your mortgage is received after the XXXX of the month. The wording and design of this bill is very deceiving, and if my wife did n't really question why my mortgage had increased I would have paid the higher amount unnecessarily, and I believe, illegally. 
Bank of America needs to redesign the format of the mortgage bill to reflect the regular monthly payment as the TOTAL AMOUNT DUE in the the BOX with large letters.
Consumer complaint received 2015-12-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (VA)

I get repeated ( 3x/week for a year or more ) RECORDED phone calls from " Hunter Warfield '' asking for a person that does not live here and has never lived here, stating they are collecting on a debt. They give an option to hang up if you are not that person, but even though I hang up, the calls continue.
Consumer complaint received 2016-06-03
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (CA)

I setup payment arrangements with this company and after arrangements were made phone calls started stating they would not accept the payment method I have. So after arrangements were made they sent me a letter stating they cancelled the arrangements and have continued to call me daily 4-5 times a day. I ca n't afcord to spend more money then what was agreed to in order to make the payments and they keep insisting that its my responsibility to change my payment methods in order for them to accept the payments.
Consumer complaint received 2016-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

I refinance my mortgage with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, At the time of refinance, original lender did not required me to have any other additional insurance other than XXXX. I provided it to Lender and we closed the loan. At the present, Ocwen as the new Servicer has put forced place insurance on the unit. Now Ocwen raised raised my monthly mortgage payment.
Consumer complaint received 2017-03-28
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (VA)

I opened up a new American Express Business Platinum card on XX/XX/XXXX to use for business purchases. On XX/XX/XXXX all of my American Express credit cards were hit with an " American Express Financial Review '' in which they suspended all of my accounts and prevented any charging from being done. Since that date ( XX/XX/XXXX ), until now ( XX/XX/XXXX ) I have been working with the AMEX Financial Review team to try and get any documentation required for the accounts. They requested tax documentation from the IRS and I did my best to get them the required documents. Initial forms were faxed to AMEX on XX/XX/XXXX with follow up forms mailed on XX/XX/XXXX. The process continues to this day ( XX/XX/XXXX ) with the final deadline being XX/XX/XXXX. During this time all of my American Express cards were in a suspended state and were unable to be used. Unfortunately it has come to the point where I have chosen to close the Business Platinum card. AMEX charged me an annual fee of {$450.00} on XX/XX/XXXX. Typically, there policy allows for a full refund of the annual fee if closed within 30 days of the previous statement. Due to the fact that my card was suspended and charging was unable to be done I have requested they reimburse the annual fee after having closed the card today on ( XX/XX/XXXX ). I was able to " use '' the card for XXXX days before it was suspended for the financial review - and having since closed the card I will obviously not be using it for the rest of the year. American Express used the suspending of my card and the " financial review '' to insure that my card would age beyond the ineligibility window for an annual fee refund. It is unacceptable to think that they will try and charge me {$450.00} for a card I was only able to use for XXXX days, then punish me and disallow a refund because I was trying to comply with their financial review process which took over XXXX months.
Consumer complaint received 2020-10-20
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have been an authorized user on my fianc capital one credit card for the past two years. They have been reporting to only two credit bureaus  XXXX XXXX and XXXX. I called in XXXX to inquire why haven't they been reporting to XXXX  and they blamed XXXX. I called XXXX  and they said it was capital one responsibility. I keep getting the run around with Capital one and with them not reporting to my XXXX  report it shows a big discrepancy between my credit scores.
Consumer complaint received 2016-09-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I am writing to you to complain about the accounting and servicing of this mortgage and my need for understanding and clarification of various sale, transfer, funding source, legal and beneficial ownership, charges, credits, debits, transactions, reversals, actions, payments, analyses and records related to the servicing of this account from its origination to the present date.
Consumer complaint received 2016-04-28
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

Since XXXX, we have been asking American Home Mortgage Servicing , Inc, now known as Homeward Residential ( servicer prior to Ocwen ), to provide evidence that XXXX XXXX Bank, XXXX as trustee for Option One Mortgage Loan Trust XXXX was the owner of the note. Each time they sent us a copy of the note, it never included an allonge. But in XXXX, AHMSI presented an allonge that was blank and a later allonge that was stamped. Once Ocwen became our servicer, we asked Ocwen to validate the debt. In a response from Ocwen, Ocwen states that they " would not be able to provide us with the original wet ink signature loan documents '', but an attorney for Ocwen claims to have the original wet ink signature loan documents.
Consumer complaint received 2015-05-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (DE)

Ocwen Mortgage Co. states they NEVER RECEIVED XXXX ,2014 from me. I send in documentation Showing XXXX,2014 Mtg paid through my Bill Pay account. See attach. 
XXXX,2014 Mtg paid Ocwen ACH Account ( XXXX 2014 ) XXXX payment came through, the XXXX payment was paid ( over-draft Protection ) the next XXXX ( XXXX ) were returned INSUFFICIENT FUNDS. Please see letter from the Bank Manager. XXXX,2014 was told to submit proof of all payments to XXXX XXXX. I submitted everthing. I asked Ocwen rep. to waiver fee and I told they could not do that. So XXXX2014 I sent my mortgage in ( XXXX ) with the fees {$40.00} XXXX for NSF {$40.00} for stop payment and {$34.00} on the principal. XXXX XXXX dated XXXX/XXXX/14 States XXXX delinquent, XXXX current, XXXX, delinquent XXXX is Current HOW?? I am currently in Chapter XXXX Bankruptcy.I am also in Ocwen modification, IT YOU PAY XXXX YEARS ON TIME THEY TAKE {$6200.00} OFF OF THE PRINCIPAL. THEY DID NOT GIVE IT TO ME FOR 2014. PLEASE SEE ALL OF MY DOCUMENTATION SHOWING I HAVE NEVER BEING LATE.
Consumer complaint received 2017-09-27
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: Experian Information Solutions Inc. (MI)

I checked my XXXX credit report and noticed there was XXXX hard inquiries. I did contact XXXX and they advised me to reach out to the creditors for a letter of deletions. None of the inquiries did I authorize. I called several of the creditors and they explained that they get most of the information and authorization off line and my name, social security number and date of birth were used. So they did not grant any deletion letters. I wrote a few creditors and have yet to receive a response. I again contacted XXXX to open and do a through investigation because I believe some of my personal information was compromised. They are still refusing to do so and these XXXX inquiries have really impacted my score. After speaking with 3 supervisors XXXX XXXX, XXXX. and XXXX my concerns have yet to be addressed. I feel as a consumer I should not have to go through all these loopholes when there has been so many breaches and so much compromising of personal information. I have add since added a fraud alert to my accounts and I also so monitoring of my accounts. XXXX need to come up with a consumer sufficient process when people have concerns about their report. I am truly dissatisfied with the lack of empathy that XXXX offer to their consumers.
Consumer complaint received 2017-01-19
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: ALLIANCE FINANCIAL RESOURCES (CA)

My wife has been in contact with XXXX XXXX and XXXX XXXX, of Alliance Home Loans, and has asked them both to take us off of their mailing lists. XXXX assured my wife that we would be removed from their mailing lists and that we would no longer hear from them. We have since received a few more mailers regarding refinances from their office. They have sent us countless letters from XXXX, XXXX, and her husband, XXXX.
Consumer complaint received 2020-10-20
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: Google Compare Credit Cards Inc. (TX)

Yesfor the last two months when all of these third parties where trying to pay me thru company and banks..i wasnt able at first to access the different banks because it seems like my Info was already been put in..I just recently just finish filling my taxes, and which I had to verify myself three times..now my phone has been taken over..my cards have been deactivated and passwords..I have a stimulus check that been sent out this week and afraid I might not get that..I haven't  received no income since XXXX..I 'm looking for to this other money coming from filing With the S.E.C and which and funds from non-profit..I need y'all 's help.. because these people are Accessing the  cash at XXXX, XXXX XXXX, XXXX and at the cashier 's draw with a barcode.and also m using prepaid cards under my name.. Google pay, XXXX  , all the money apps.have or had as well as bank accounts has been made wihout my consent since this summer til yesterday..
Consumer complaint received 2015-10-06
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: EQUIFAX, INC. (CA)

In violation of FCRA, the above mentioned credit report by Equifax , a section of " Inquiries that are not considered when evaluating your credit worthiness '' contains name of the following companies, to which Equifax disclosed and is disclosing personal and credit history, WITHOUT authorisation OR prompt despite OPT-OUT : Company Information : XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX Information : XXXX XXXX XXXX : XXXX XXXX Information : EQUIFAX INFO XXXXCompany Information : XXXX, XXXX Information : XXXX Information : EQUIFAX INFO XXXX Information : XXXX Information : XXXX should EXPLAIN & PROVE the authorisation it has to collect personal and personally identifiable information and authorisation to distribute the same via PUBLIC platform/for COMMERCIAL purposes.
Consumer complaint received 2015-11-30
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NJ)

i have been working with ocwen loan servicing to avoid foreclosure on my home. after mediation, our hamp modification deal was for me to make XXXX modification trial payments of XXXX due XXXX/XXXX/15, XXXX/XXXX/15 and XXXX, due respectively. when that is satisfied we are to enter into an agreement that includes - according to an email from XXXX of ocwen -1 ) Interest rate of 2.0 % 2 ) Term of XXXX XXXX ) Modified unpaid principal balance of {$400000.00} ) Principle reduction of $ XXXXXXXXi have made those XXXX trial payments. 
however, the paperwork from ocwen outlining the new deal does not say they are offering principal reduction but does include a principal DEFERMENT with a balloon payment at the end of the life of the loan. it also includes a stipulation that i pay roughly {$1200.00} a month into an escrow account from which ocwen will pay municipal property taxes ( ok ) and homeowner 's insurance, although i have sent them a faxed copy and a hard copy of my homeowner 's insurance policy. 
i strongly believe ocwen 's attempt to manipulate the language of our agreement to change the meaning of our agreement is devious and fraudulent. their own representative offered a principal REDUCTION, not a deferment, and their legal representative was present at our modification meeting and signed the agreement that called for principal REDUCTION. 
thank you for your assistance in this matter.
Consumer complaint received 2022-08-09
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. (IN)

In XXXX and XXXX of 2022, I sent a dispute to Experian due to inaccuracies on my credit report XX/XX/2022 I got a response with no action being taken it just stated updated No changes I requested that the debt be validated or removed and that did not happen.
Consumer complaint received 2015-09-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (AZ)

I terminated my service with XXXX in XXXX 2015 due to dissatisfaction with their billing. They sold me a digital receiver and offered a refund when the analog receiver being replaced was returned. Never received the box to return the old receiver, and when called, they denied agreeing to the refund. I had verbally agreed to extend my contract for two years. So I cancelled my service. I got a " termination fee '' bill of {$380.00}. I was aware of XXXX Revised Statute 44-101 ( 5 ) which states that a verbal agreement not to be performed within one year is unenforceable. Since I never signed the agreement, I wrote to XXXX on XXXX XXXX, 2015 advising them of the statute and the unenforceability. Then I began receiving robo-calls from Focus Receivable Management in XXXX ( XXXX ) asking me to call them. I did receive three calls from employees, and I refused to discuss my personal business with an unknown party. I told them I would respond to a written letter, but not to a phone call. I have yet to receive a phone call, and I only guess the location of the company based on a XXXX search. I realize under federal law ( Fair Debt Collection Practices Act ) I can only stop the phone calls by written notice, but I have no location info to send such a letter. Please help me stop this harassment.
Consumer complaint received 2024-03-16
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: SYNCHRONY FINANCIAL (CA)

Synchrony Financial has been paid in full on account ending in XXXX. This was for an HVAC system. I've disputed this with the three bureaus, and they've updated my XXXX file, but my XXXX and XXXX file still shows a balance owing of {$3800.00}. I was told to wait until my account was paid and updated and a new statement was generated, but that has happened for XXXX and my XXXX and XXXX file still remain incorrect.
Consumer complaint received 2021-04-29
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: EQUIFAX, INC. (IL)

On numerous occasions Equifax did not do a thorough investigation and refused to and disregard my disputes and demands to take Certified Services and XXXX, Comenitycapital/wynd, XXXX Vacation Own inquiries off my credit report. They are in violation of FCRA ... You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment or to take another adverse action against you must tell you, and must give you the name, address, and phone number of the agency that provided the information.You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
Consumer complaint received 2021-01-22
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. (GA)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX  This is fraud on my credit report. 
This company has nothing in writing showing my obligation.