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. (MO)

I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. REMOVE IMMEDIATELY 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please take this matter very seriously. I hope your agency takes the full extent of federal law into account when dealing with cases like this. Under the FCRA of 1970 Section 609 ( e ), I request that all the information listed on my credit report be blocked from my consumer credit file with your company pending your full investigation.
Consumer complaint received 2020-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

I had my mortgage sold to Loancare and have been with them for a few months now. I submitted for and was granted a Forbearance Plan dated XX/XX/2020. I was granted a 90 day forbearance for the payments for XXXX, XXXX, and XXXX. Since the beginning of XXXX the company has been calling me nearly every day and now I have received a packet dated XX/XX/2020 referring to a missed payment and trying to give information on how to avoid a foreclosure. If I'm not mistaken, Federal law stated that they have to offer a forbearance or other assistance and that they can not foreclose on any property during the COVID-19 emergency.
Consumer complaint received 2018-07-03
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have multiple hard inquiries that I don't recognize from these consumers XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXX/XX/XXXX, XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2018-07-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I submitted a CFPB complaint regarding my account. I still have not heard back from chase. Today XX/XX/XXXX my account was unexpectedly closed by Chase without explanation. Previously I submitted a different CFPB complaint on another Chase account and the same thing happened. Roughly 2 weeks after filling complaint Chase closed the account. There is a clear pattern of abuse by Chase retaliating for customer complaints.
Consumer complaint received 2016-09-29
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp (SC)

Lending Club does not allow payments to be made early. You can make a payment early and reduce balance but does not count as the minimum payment due. All credit card companies allow you to make your minimum payment anytime up to and including the due date. For some odd reason Lending Club does not and offers no explanation other than to change the due date.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$690.00} XXXX  XXXX XXXX XXXX Balance : {$260.00} Medical XXXX Balance : {$100.00} Medical XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX Balance XXXX {$4500.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2018-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IA)

I was mislead by XXXX XXXX and was under the impression that they were helping me to reduce my monthly payments on my federal student loans. Instead, they were charging me for services that I was unaware of, leading me to believe that my monthly payments of {$100.00} were going towards my federal student loans. I have been under this deception since XX/XX/2017 and I am in the process of requesting a full refund and cancellation of my membership with XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2020-05-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have an unverified accounts from XXXX XXXX XXXX  AND XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX  AND XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX AND XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. The original date of default and collection activity began 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX  AND XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2018-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Bank of America is fraudulently converting idle accounts to accounts that require payments. They have charged me for 3-4 months after converting my virtual banking account to some other account *without informing me*. There has been a lot in the news about companies converting idle accounts so I logged in to a bunch of places including my BoA account to discover they did indeed do so! 

I am abroad and BoA refuses to talk to me via email or provide a toll-free number, therefore avoiding the issue. In the first place, they should not have converted my account!
Consumer complaint received 2018-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (TX)

The mortgage company would not allow me to make pre payments on bi-weekly basis and would send me default notices. Even after making and additional annual payment and additional principal payments. They wanted to force me to use their products to pay down my mortgage. XX/XX/XXXX & XX/XX/XXXX they told me to stop making bi-weekly payments. So now I have to pay extra interest because they dont want me making bi-weekly payments.
Consumer complaint received 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Clarity Services (TX)

I have received my XXXX XXXX report and see that Clarity Services has pulled my report multiple time without my consent, I have never applied for any of these companies. 
1. XXXX XXXX XXXX 2.XXXX XXXX XXXX 3. XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX 6. XXXX XXXX XXXX 7.  XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This company has been non-complaint in my request ( s ) for verification of an inaccuracy in their credit reporting, regarding an entry being reported under XXXX XXXX XXXX 

This company violated federal law and also failed to provide me with a copy of any viable evidence, bearing my signature, showing the said account is being reported accurately. 

I have made several goodwill attempts to have them clear up this matter and they have failed to respond beyond an auto response which has left my request unanswered. 

I have requested that the company validate the reported information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested with the company in a letter dated XX/XX/XXXX that this information be immediately deleted from the credit file they maintain under my Social Security number. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. 

I have maintained a careful record of my communications with them for the purpose of filing a lawsuit, they have also been reminded that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX XXXX XXXX, XXXX ), they will be liable for their willful non-compliance. 

The company was made aware that they had 30 days to complete the investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I kept careful record of their actions, including their Method of Verification. I also documented with the company at the beginning of the investigation that I did not consent to e-oscar or any means of automated verification. 

This company has violated federal law, by not properly investigating within the required timeframe. I have evidence of such, via certified mail receipts, and they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against them.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (CA)

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$690.00} XXXX  XXXX XXXX XXXX Balance : {$260.00} Medical XXXX Balance : {$100.00} Medical XXXX Balance : {$420.00} JEFFERSON CAPITAL SYST XXXX Balance XXXX {$4500.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2020-11-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (IL)

There are four medical accounts with Merchants credit Guide company in which I do not owe.They stated that these charges are from Old doctors and hospital visits from XXXX XXXX. The following amounts that are reporting on my credit report is in the following amounts XXXX and XXXX. When I contacted the original creditor which is XXXX they stated that there was no balance due and that the debt was not sold to this company at all. If this is the case this is a violation of the HIPPA Law.
Consumer complaint received 2015-10-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

ocwen offered modification which when it was said and done made our monthly payment go up not down.and made it a 40 year loan from a 30 making it impposible to ever pay it off .we ended up short selling the house from not being able to keep up the payments.we applied for other help but where denied every time.we feel ocwen preyed opone our weakness and took advantage of us.
Consumer complaint received 2015-07-10
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (TX)

A home with no mortgage was sold to an unrelated party in XXXX 2014. On or about XXXX 2014 Ocwen Loan Servicing posted a Fraudulent Lien listing with XXXX which they continue to refuse to remove. Ocwen has not one piece of paper signed by me as any sort of basis for this " mortgage '' on a residence I no longer own and both the other credit bureau 's have since read the documents and removed it from further damaging my credit reputation. Ocwen continues to lie to XXXX and they continue to refuse to examine the documents which prove Ocwen is a liar.
Consumer complaint received 2020-07-21
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. (FL)

I obtained my credit report from Experian on XX/XX/XXXX. Upon reviewing my report, I noticed that there were two hard credit inquiries that I did not make or authorize on XX/XX/XXXX and XX/XX/XXXX. According to Experian 's online credit report, those two inquiries are considered " potentially negative. '' To the best of my knowledge, I did not apply for credit from and I do not have any accounts with the 2 companies that had made the two hard credit inquiries. I immediately attempted to dispute the hard inquiries via their website only to receive an error message to contact Experian via telephone. I first called XXXX and was not unable to reach a live customer service representative nor was there an option to speak with a representative. The only 2 options provided were about how to inquire about a security freeze or a fraud alert. No other option was given. I then called XXXX. After several attempts, I was able to reach a live customer service representative. I advised the customer service representative that I needed to dispute to credit inquiries on my report. The CSR asked me if there was fraud or identity theft involved. I responded " no. '' I repeated to the CSR that I did not recognize the 2 inquiries, did not request credit from the 2 companies, and did not have accounts with the lenders which accessed my credit file on XX/XX/XXXX and XX/XX/XXXX. The CSR then responded that it was considered identity theft or fraud and proceeded to connect me to another person without asking me if I had any questions or concerns. I did not want to give wrong or misleading information, and reporting the inquiries as fraud or identity theft would have been inaccurate as I had no proof of either. Needless to say, after being on hold for over XXXX minutes, the call was lost. I attempted to call again, but continued to be disconnected since none of the options pertained to me.
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This company has been non-complaint in my request ( s ) for verification of an inaccuracy in their credit reporting, regarding an entry being reported under XXXX. 

This company violated federal law and also failed to provide me with a copy of any viable evidence, bearing my signature, showing the said account is being reported accurately. 

I have made several goodwill attempts to have them clear up this matter and they have failed to respond beyond an auto response which has left my request unanswered. 

I have requested that the company validate the reported information with XXXX   and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested with the company in a letter datedXX/XX/XXXX that this information be immediately deleted from the credit file they maintain under my Social Security number. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. 

I have maintained a careful record of my communications with them for the purpose of filing a lawsuit, they have also been reminded that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XX/XX/XXXX XXXX XXXX, XXXX XXXX, they will be liable for their willful non-compliance. 

The company was made aware that they had 30 days to complete the investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I kept careful record of their actions, including their Method of Verification. I also documented with the company at the beginning of the investigation that I did not consent to e-oscar or any means of automated verification. 

This company has violated federal law, by not properly investigating within the required timeframe. I have evidence of such, via certified mail receipts, and they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against them.
Consumer complaint received 2019-06-04
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. (VA)

My identity has been compromised and now I'm seeking help from the major credit bureaus demanding that they block the following accounts from my credit files inwhich are not mines. Please remove these accounts. 

1 ) XXXX XXXX {$XXXX} 2 ) XXXX XXXX Bank XXXX {$XXXX} 3 ) XXXX XXXX XXXX {$XXXX} 4 ) XXXX XXXX {$XXXX} 5 ) XXXX XXXX {$XXXX} 6 ) XXXX XXXX {$XXXX} 7 ) XXXX XXXX {$XXXX} 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX ) XXXX XXXX XXXX
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (UT)

I pulled my credit report, and there are XXXX inquiries, of which I did not make. I sent a letter by fax asking hat they be removed, and I also called Experian directly and spoke with XXXX. He said that I would have to have a letter from each company stating that I did not request these inquiries to have them removed.
Consumer complaint received 2015-04-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

I had a negative escrow balance on my mortgage, I sent my mortgage company {$3000.00} to be applied toward the escrow, switched home owners insurance carriers ( {$1400.00} difference ) and have paid and extra {$480.00} dollars to be applied toward the escrow for the past XXXX months ( {$1400.00} ). I 've called at least XXXX a month since XXXX 2015 asking for a new escrow analysis to be done and I 'm always told the order is put in and I should receive something within XXXX business days. Each time I call, the previous order was never completed. I 've applied a total of approximately {$5800.00} toward my escrow and Ocwen refuses to recalculate my monthly payments.
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

On  XXXX / XXXX / 2017  my previous complaint for  XXXX   XXXX  was erroneously closed.   No intellibgible resolution was found. M y credit score w as wronfully dropped from  XXXX  to  XXXX  and has still not been brought back to where it belongs at  XXXX . No expalanation was ever given by  XXXX . If it is not fixed soon they will be hearing from attorney with a lawsuit. I have attached a copy of screenshots showing the previous and current credir score with   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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (NY)

XX/XX/2015. XXXX XXXX  said I applied for a car loan, which never happened.never heard of these people, now all of a sudden when I submitted a complaint to the credit bureau, they said it was legit.Dont know how, s When?
Consumer complaint received 2017-08-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

To Whom It May Concern, I have learned that you are reporting 4 accounts on my credit report with the following balances : {$12000.00}, {$13000.00}, {$13000.00} & {$0.00} which I have repeatedly asked you to validate that the information being reported is correct. The account status shows charged-off yet a balance is still being reported to the Credit Bureau. This information is inaccurate and therefore does not comply to the FCRA. I have disputed this with you on multiple occasions and requested you provide me with my signature of proof that this is indeed my account. Your company did not reply in a timely manner to both letters I sent and which you signed for, one on XX/XX/XXXX and the other on XX/XX/XXXX. By not replying my letters, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing these accounts are being reported accurately. Your non-compliance of federal laws under the FDCPA, FCRA and state laws is unacceptable. I am requesting you resolve my concerns immediately. Failure to do so may require I pursue a small claims action against your company.