davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Portfolio Recovery Assoc is a collection agency that has been paid. I have tried disputing their account multiple times due to their illegal and inaccurate reporting, yet it remains. This collection company is reporting this account as open, though it 's been paid for numerous years. They have it listed under installment accounts as though it was a cc though I never had a CC agreement with them, it was with XXXX XXXX, the company they bought the debt from. They list a high credit amount as though they 're a CC instead of a collection agency. They list dates of serious delinquency like a CC. All tactics that as a collection company they are not allowed to use and if I remember correctly, they have had lawsuits filed against them in the past for these same illegal tactics to extend the damage they can do to consumers with regards to their credit long after the debt has been paid.
Consumer complaint received 2020-10-18
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: ALLY FINANCIAL INC. (MA)

This company ran my credit and I dont even know who they are, they put an inquiry on my credit report, what services do they offer, I would like to know who they are and why? If not I would like for them to fix this issue by deleting this inquiry from my credit report.
Consumer complaint received 2016-03-24
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Debt Management Solutions, LLC (CA)

Nationwide debt management solutions has been repeatedly calling my job several times a day sometimes not identifying themselves. They have also contacted my brother also not identifying themselves, he said that they were rude and threatened him. I have contacted them once and told them I do not owe the debt they claim I owe and they still repeatedly call my job several times a day.
Consumer complaint received 2017-03-16
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CA)

Pretender lender loan servicer " Ocwen Loan Servicing '' employee " XXXX '' returned my call, XX/XX/2017 at XXXX. I told XXXX she and Ocwen must stop committing fraud against me, attempting to seize my property I own free and clear., XXXX informed me that she and other Ocwen employees will continue to service the fraudulent pretender lender loan account. Totally delusional and a total waist of time. I will retain XXXX now and the other lawyers who will back up XXXX and take on the Ocwen XXXX. Jury Trial Requested!
Consumer complaint received 2015-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I have filed a complaint and have been working with Ocwen to finalize this modification as of XXXX of XX/XX/2014. I have made all payments from what we were told and on all our statements nothing is being posted for those payments as well as we did get a new doc to finalize but our principle has gone from {$360000.00} to {$380000.00} which means they have not posted the payments and are now trying to take advantage of the funds and my payments. We are in the process of doing a sale on the house but they have not corrected my wifes and my credit reports as they have been posting that it is unpaid and they need to correct the balances and fix based on payments. This is an illegal activity that they are continuing to do. 

we have also obtained all proper insurances and are being told that XXXX is not rated high enough for them to be used for insurance and when I talk to XXXX they state ocwen is nuts. They 're also requiring insurances I do n't legally need.
Consumer complaint received 2015-12-26
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Cascade Collections, Inc. (AZ)

I contacted a collection agency that has posted an active collection on my credit report indicating that i do not owe a debt to this collection agency and to remove the collection or provide documents that indicate I owe the debt to them. They replied with a letter about my residence at the time of the original debt and included copies of statements of prior debt to original creditor. No opportunity to dispute and no documents that they have a right to the account or that I ever signed an agreement that I would owe this collection agency in the event of default of the original debt.
Consumer complaint received 2020-09-10
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (TX)

I applied for re-financing with my current mortgage company at my current residence back on XX/XX/2020. It has been one delay or surprise after the other and often I am the one doing ALL the follow up. Delays include documents going into someones spam ( or so they claim ), them trying to push the responsibility of finding HOA documents on me, delayed and/or inconclusive responses to my email inquiries and also big surprise half way through the process that my mortgage is being sold before I close. I won't go into too many more details here but I have many emails documenting my claim.

It has been almost 60 days now and my life has been in the balance. I haven't been able to make any major purchases, takeout a new credit or other for going on 5 weeks now plus all uncertainty and during this time is is causing me a lot of grief and stress.
Consumer complaint received 2015-10-27
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

XXXX wrongly charged house fee via BankXXXX. I filed the dispute to Bank of America credit card. While they were investigating this dispute, XXXX XXXX XXXX refunded to BankXXXX. I passed the refund transaction record to Bank of America. But they still charge me. They told me they did not receive this refund without any further investigation.
Consumer complaint received 2016-07-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Associated Collectors, Inc. (WI)

A debt collector is trying to collect a debt from me that is owed by my ex-wife for my daughter 's medical expenses. A hospital transferred the debt from my ex-wife 's account to mine after she would n't pay. I have a court order to pay half, which I paid, and now they want me to pay my ex-wife 's half. I sent the debit collector a letter disputing the debit, however, they still sent the debit to collection.
Consumer complaint received 2020-11-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (WA)

I began the process of my loan on XX/XX/XXXX. 

During the entire loan process, the company did not respond to my questions regarding information they were requesting form me. 

I attempted to reach out multiple times to the loan officer and docs processor to provide information and clarity about items they have requested from me. At every turn, they are non-responsive, unreliable and dismissive. 

I was told the loan would close in about 45-50 days. It has now been 92 days and they are still telling me I need to provide information I have already provided. 

They have asked for statements that show the previous few months for my current mortgage and Home equity line which show I am current but are telling me they need a letter to confirm this from each of my banks. 

Whenever information is provided, they come up with requests to confirm information I have already provided multiple times to delay the process further. 

I feel when I speak to them, they are lying to me in telling me they want to close the loan, but feel they are delaying the process in order to have me walk away and keep my {$500.00} non-refundable processing fee. 

I have elevated multiple times and requested response from a manager or decision maker only to be ignored. 

I have left messages for : XXXX XXXX, sales manager - Did not respond XXXX from Customer Service - Did not respond as she promised she would XXXX from Customer Service - Did not respond as she promised she would XXXX XXXX, loan officer- Sporadically responds via email only even when asked to call me. 
XXXX XXXX, loan processor- Does not respond when requested to, told me I had provided everything needed and then went silent only to have the same information requested again. Only provides excuses for delays. 

Please investigate this company as I believe they are unethical and do not operate to serve their customers and clients, but only to swindle them out of loan fees. 

The information given about what is requested is very vague and has been incorrect. I have no recourse to explain specifics to provide clarity to my situation and when I attempt to, it is ignored and the same information is asked for again with no ability to add any notes in reference to uploaded information to provide clarity.
Consumer complaint received 2016-06-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Faxed a XXXX request for mortgage assistance package to the Home Retention Assistance department at Rushmore Loan Management Services on XXXX/XXXX/2016. Called today for a status check on XXXX/XXXX/2016, and the representative said they would not review the RMA because the sale date is XXXX/XXXX/2016. I 'm not a lawyer, but in review home retention state law they are required to stop the foreclosure and review the RMA.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

I was denied an Income-based repayment plan after I had been on one. During XX/XX/XXXX I was paying {$140.00} a month and beginning XX/XX/XXXX my payments will be increased to {$440.00}. I later learned I have only been paying interest. My denial letter for the income-based plan stated I " did not meet the federal definition of 'partial financial hardship. ' ''
Consumer complaint received 2016-12-30
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CA)

I am being harassed by Ocwen Loan Servicing employees and litigation crooked lawyers. Ocwen XXXX are using levels of fraud to rip off my home. The system is so corrupt. I have repeatedly demanded CFPB enforcement staff to involve the authorities into my matter and kick in Ocwens front door to drain the smelly fishy swamp. I am not taking any XXXX from shady ocwen or its crooked fairly new licensed attorney.
Consumer complaint received 2016-01-06
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Navient Solutions, LLC. (LA)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, Louisiana and XXXX Reference : Retirement Benefits Claim Number XXXX XXXX XXXX XXXX : Office of Personnel Management Debtor : Small Business Administration. 

The Department of Treasury have sent notice to XXXX XXXX XXXX to collect {$260.00} monthly. However, my pension was delayed for approximately XXXX which made me fall behind in payments. I have contact OPM on several occasions. It appears the Agency will not address this issue or provide adequate reasons why benefit was being delayed. I am requesting an investigation to resolve this matter. 
Tin Number : XXXX Top Trace Num : XXXX Acct Num : XXXX I truly believe retirement-benefit provisions are complicated and may involve a series of miscalculations that are not clear or easy to understand.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-04-09
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. (AR)

I went to file my taxes and I was told by my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

DEPTEDXXXX XXXX {$3000.00} DEPTEDXXXX XXXX {$4800.00} XXXX XXXX  XXXX {$0.00}
Consumer complaint received 2015-08-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have not been able to find out if my child 's SSN has been misused, but since her number was in the XXXX system at the time of the breach, I am concerned. TransUnion will not let me have a report on her, and I do n't know what else I can do.
Consumer complaint received 2024-02-26
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. ()

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1400.00}
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have been working on my EXPERIAN credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address is 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. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$10000.00} XXXX XXXX XXXX XXXX Balance : {$6200.00} XXXX XX/XX/XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$6200.00}
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (WA)

XXXX XXXX XXXX opened XXXX accounts within a few months during 2013 at a time when I was XXXX as verified by the attached Letter of Medical Necessity. During this time span I was XXXX. These XXXX accounts are Identity Theft and should have been BLOCKED on my Experian Credit Report. When I subsequently became aware of the Identity Theft and notified XXXX XXXX XXXX, both accounts were summarily Charged Off. XXXX has repeatedly denied my requests to BLOCK the accounts.
Consumer complaint received 2017-01-29
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: SYNCHRONY FINANCIAL (IN)

I paid my account down in a large lump sum to decrease my utilization under XXXX %. Every time i make a payment the company reduces my credit card by the amount that i pay down. Its reflecting on my credit report as if i am maxing out my credit limit but i am not. I am paying it down and synchrony bank keeps reducing to show that i am almost maxed out., and they continue to do this without my knowledge. They do this overtime. I have been a costumer for over 5 years now with all my credit cards and have never been late on payment.
Consumer complaint received 2015-10-16
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Van Ru Credit Corporation (NY)

Van ru is not telling you what they really are doing. I have been lied to about my agreements with them stating that if i pay certain amount i will have my debt taken out of default then when the time came i was told oh no you have to now pay a different amount in a another consecutive time period, etc ... please just investigate or you can even google van ru scam and read about peoples reviews and experience with the companies
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (CA)

I ordered a 3 bureau credit report with Fico scores for {$1.00} ( a very good deal ) after being referred to their site by a financial company. The company said you could cancel the membership after ordering the report within 7 days and there would be no further charges. I ordered the report which was fine. I then tried to cancel the monthly service. with a fee of {$29.00} per month. In calling I found the company is owned by Experian.

Every time I called to cancel after going through a long process of identity with the claimed purpose of protecting you, I was told the wait time to cancel is 2 hours. You can not cancel online. This is a total scam with the sole purpose of collecting a fee by making it extremely hard to cancel.
Consumer complaint received 2015-08-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Carrington Mortgage Services has " lost '' {$700.00} of payments that I have paid towards my mortgage. They are considering me late and charging me monthly late fees. I have contacted them numerous times, provided copies of cashiers checks with no resolution. The " history '' they provided is so scattered it does n't clearly show me where the funds the were applied. Either they have violated RESPA with overfunding my escrow account or they have misapplied my mortgage payments.
Consumer complaint received 2023-03-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my consumer reports and noticed that I had 5 late payments on an account that I was never late for. Consumer Report Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM accuracy. I have never been late on payments for the account. 

XXXX XXXXXXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can ; t be provided, I demand these payments be updated on " on-time '' and never late as they should be as I was NEVER late or REMOVE from my consumer report. 

Thanks, XXXX XXXX.
Consumer complaint received 2015-10-17
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (IL)

American Honda Finance via a Honda Dealer forced me into an auto loan contract at an exorbitant interest rate in XX/XX/2011. American Honda Finance along with the Honda Dealer discriminated against me based on my race, religion, color and national origin. The dealer promised me an interest rate of 5.99 % APR on my loan and took my down payment checks. But when I looked at the contract, the interest rate was 16.99 % APR. I refused to sign the contract and I wanted to back off but the finance manager told me that I can not back off as I have already gave the checks for down payment and if I back off now, I will lose the down payment amount and on top of that they will sue me for additional damages for backing off from the deal. I signed this contract under severe duress from this unscrupulous finance manager who threatened, intimidated and coerced me into signing this contract. He also told me, if I do n't sign this contract, he will call the police and have me arrested for theft. The Finance manager also added add-on products without my consent, even after, I declined the add-on products. I have no idea what did I do to deserve this treatment. I can not find appropriate words to describe the pain, humiliation, grief and suffering, American Honda Finance and the Honda Dealer inflicted on me.