davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (OR)

For the past few years, I have been making payments on my student loans through the IBR system. I applied for REPAYE, which would reduce my monthly payments from about {$410.00} to {$270.00}. Before starting my REPAYE payment scheme, however, they charged me a single month on a 10-year repayment plan. This was {$1600.00}. They never told me that this would happen. It completely negates the monthly cash flow advantage of switching to the REPAYE program.
Consumer complaint received 2022-02-14
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. (PA)

It has come to my attention that XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( Capital one an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (MI)

Genesis credit has been notified that my balance with them should have been refunded in full because the merchandise I purchased, which was financed through them, was returned to the vendor. I spoke with one of their representatives in XXXX and explained the situation, and they told me the account would be closed, the money refunded, and reported as up to date with the credit bureaus. They never did this and have continued charging me fees and interest.
Consumer complaint received 2016-04-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

My loan was purchased by Ocwen from IndyMac mortgage co in XXXX, since that, my monthly payment is going up and up. 
XXXX show that it was -- -- -- -- -- -- - {$670.00} in XXXX when they purchased my loan XXXX show that is should be {$710.00} for the XXXX/XXXX/XXXX yet they posted it in my account to be {$760.00} and I paid {$760.00}. 
XXXX show another increase just within few week of receiving the $ XXXXmonth increase to {$770.00}.
Consumer complaint received 2018-03-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (FL)

I have no idea who XXXX XXXX is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX XXXX is indicating that an account with the account number XXXX was opened with their company in XX/XX/2016. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized XXXX XXXX as third-party collection agent. 
4. Provide a true and correct copy of the instrument by which [ XXXX XXXX } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to XXXX XXXX, that authorizes y
our company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

XXXX XXXX has violated the Gramm Leach Bliley Act Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting  agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2017-03-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (PA)

I recently was approved for an in-house modification with Ocwen. I submitted the first payment which was due on XX/XX/XXXX. However, I went to make the second payment, which was due on XX/XX/XXXX and see that everything has reverted back to the foreclosure/default status and my payment due is XX/XX/XXXX and they will not accept payments from me. The agreement and paperwork clearly states that payments must be made " within the month in which it is due or modification will be cancelled. '' XX/XX/XXXX is clearly within the month. However, I see that the status stating " your loan has been permanently modified '' has been changed to " you may be eligible for a permanent loan modification. '' I would like to modify the loan and stay in the home but can not go many more rounds with Ocwen.
Consumer complaint received 2015-11-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

Santander Bank, without giving any reason, asked me and my wife ( we both had our separate individual accounts ) to close our checking, saving and money market accounts and warned us that if we will not close the accounts within 30 days they will close the accounts. The balance in the account was returned after three weeks in my case without any interest. We had no problem with any other bank where we had our accounts or opened new accounts.
Consumer complaint received 2016-08-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

Late XXXX 2016, I was inquiring with my lender - OCWEN how best to payoff the loan without any problems, since I was planning to do this by XXXX 2016. In addition, I inquired about the payoff amount ( {$38000.00} ). I mentioned by phone to my lender - OCWEN that I would be paying off the loan in XXXX 2016 and that I needed to hold off on paying that month, since it would throw-off the new lenders payoff calculations. My lender - OCWEN was aware that I was about to payoff the loan in full in XXXX 2016, but there was a delay with my new lender and I ended-up paying off the loan on XXXX XXXX, 2016. I did n't think it would be a problem on my credit, since I discussed this issue beforehand with my lenders support staff and they agreed by phone to that affect. I 've always been in good standing with my lender OCWEN, up to this point, where I was paying off the loan and they gave me wrong information in terms of my credit being compromised. My track record shows that I 've always paid on-time and that has never been a problem. I was planning to retire on XXXX XXXX, 2016 after 24 years of service to the military and I was refinancing this loan before getting out. My credit score before this issue was approx. XXXX. My score dropped XXXX points because of this error. As a retiree, this is a major issue and I addressed this issue to their Research Dept. with no success. BTW, there were recorded phone conversations about what we discussed. I hope you can have my lender retract this credit report error so as a retiree ... .I 'll have peace of mind.
Consumer complaint received 2016-10-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NC)

I have attempted to dispute an invalid judgment that is not mine and Equifax has locked me out from doing so. I 've attempted to dispute this invalid judgment from XXXX as not mine in XX/XX/XXXX ( attached ) and XX/XX/XXXX ( attached ) and Equifax says " This item is currently under investigation. You should receive the results of our investigation soon. '' Because of this, I can not open a valid dispute. 

The investigation has been open since before XX/XX/XXXX as shown in the Equifax report date XX/XX/2016 # XXXX " ADDITIONAL INFORMATION - Consumer Disputes - Reinvestigation in Process ; '' The FCRA does not allow for an investigation to last longer than 30 days.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2021-06-04
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. (CA)

XXXX XXXX XXXX is still reporting old credit information and it is affecting my ability to obtain employment. I have tried to resolve through the credit reports but it comes back as " reporting correctly ''. I have written the company but they still ignore my request to remove it. Now it's been 7 years and it's still reporting. other than this " late '' my credit report is immaculate even during the pandemic. XXXX also show inaccurate information on all 3 credit reporting agencies.
Consumer complaint received 2015-12-03
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MA)

The response is fraudulent because I XXXX XXXX legally own the property at XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX and I do not have any mortgage on this property and neither does my father XXXX XXXX, The only signed mortgage notes are registered at the registry of deeds XXXX from XXXX that has been discharged and the other from XXXX a division of XXXX and no payment has been made on neither of them for over six years which is well passed the statue of limitations for the state of MA, as confirmed with the Federal Trade Commission. XXXX and Ocwen Loan Servicing LLC does not have any signed supporting documents such as notes registered at the registry of deeds, because of this XXXX and Ocwen Loan Servicing are breaking the law by denying me my Human and Constitutional Rights and also committing bank fraud.
Consumer complaint received 2017-02-08
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: FIRST HORIZON BANK (TN)

Hello, My Mother and Father had a safe deposit box in both names they have both passed away mom in XXXX and dad in XXXX XXXX. This safe deposit box has unclaimed property in it and has been drilled emptied and is being held by the Bank ( First Tennessee ) I and my brother would like to enter the box and search solely for a Will or important papers for either parent. I and my brother should being the rightful heirs be allowed to search for a will we do not want to remove any property at this time but there could be a will or important papers in this box. I would like to access the contents under TCA 45-2-905 subsection ( c ) ( 2 ) which says " also provides that if there is no order of the court, the following individuals can get access for the sole purpose of searching for a will, burial instructions or life insurance policies.1 Spouse of decedent 2 Parent of decedent 3 Adult sibling of decedent " me '' These individuals can get access to these safe deposit boxes but only with bank personal present both bank official and individual who gets access to the box must record a written inventory all items found in the safety deposit box. 
I am willing to follow these rules and have given notice to the bank and provided all paper work why on earth would they deny my entry under these rules handed down. I just do n't see how that can be legal for them to deny me to view the contents for a will. I am looking solely for a will or instruction left by my parents on their last wishes and I am getting a little mad about the block being put on. 
Can you give me one reasonable explanation why they will not let me look for a will escorted by a bank official without a court order? Put yourself in my and my brothers shoes we are at a lose on why someone would not let us if we follow these rules. It would be the morally right thing to do would you not think???? Please advice me on my next steps to gain access. The box has been drilled and contents being held. I can and will get a court order if you can not help but an explanation to why would help my mental state of mind on this. The bank is First Tennessee on XXXX XXXX TN. If you are not who I need to talk too maybe you can forward this to someone that can help us. Thanks Since this email was sent I have hired a lawyer and I will get a court order I just want an answer as to why we are being denied access. Any help we can get would be great lawyers are sometimes slow I was told to get help here by the unclaimed property department in my state. I am very upset and struggling with this greatly?
Consumer complaint received 2022-02-11
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. (MD)

I sent in multiple letters last XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
XXXX XXXX XXXX XXXX ( XXXX ) validation of debt XXXX XXXX XXXX XXXX harassment and abuse XXXX XXXX XXXX XXXX False or misleading representations XXXX XXXX XXXX XXXXUnfair practices Under XXXX XXXX XXXX XXXX civil liability
Consumer complaint received 2019-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I advised Transunion that I was a victim of the inquiry issue and I want to dispute a inquiry in question ; Account Name : Certified Mortgage P via Certified Credit Reporting Address:XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX Phone number : XXXX Requested on XX/XX/2017 The agent advised that she could not help me. 

I would like the inquiry in question verified and deleted promptly.
Consumer complaint received 2015-06-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (AZ)

I filed a dispute online, but received no confirmation number or email confirmation. I subsequently tried to check the status of the dispute, but I was unable due to my not having a report number or dispute number. I tried to call Experian to find out what to do, but there seems to be no way to speak to a person unless XXXX want purchase a product form them. It should not be so difficult to correct information on this report, which has critical impact on my personal credit status.
Consumer complaint received 2016-11-03
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: MIDFIRST BANK (GA)

This account does not belong to me. This account belonged to my Ex-Wife. I never had an account with you. Please remove this account from my credit report. I have disputed this account many times with Midland Mortgage and the Credit Agencies. I need your assistance in getting this account removed from my credit file.
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (OR)

I have been having trouble documenting all of what happened within the 30 minute allotted time and also submitting this because i is deleting the whole thing. 
Briefly : chase bank has changed in such a way that it is not providing information or support to their customers despite many attempts. They have persons that do not have a clue as to how to help anyone beyond the information that I could glean from the website and XXXX. It cost me a lot of money, time and emotional distress and damage to mine and my daughters credit rating and resulted in a snow ball effect that I am still dealing with. I got sick. I am the only person who does the bills. I was convinced by companies to do the automatic payments on everything some even required this. I used designated accounts for this purpose to try to keep it all straight. An error of some sort created a domino effect. I transferred money from an outside account and it took about 14 days to clear. This caused items to be returned and fees attached and I was not aware of this for sometime. When I figured out what happened I attempted to go to the bank. No one was available to help and I was directed to the 800 number and/or their app. After many many many attempts and this happening in months of issues and being transferred to hold department and speaking with them and being told that the 12-14 day hold was everything to do with XX/XX/11 up to being policy to nothing was on hold at that moment and they could not help without something being on hold and 5 trips to the bank. Numerous emails that were rude and flippant and condescending. With we are processing your quick deposit enlisting the other bank to call them directly to explain things and to see how we could speed up this process. I finally learned from yet another bank that I could link the accounts thus avoiding this whole mess. They also returned items presented after the deposit where they could see there was funds. They never made any of the amount deposited available and our credit cards that are chase or synchrony owned by chase were canceled and fees on top of fees on top of fees. Our credit is ruined and now that I am a little better I am trying to fix it. I have called all of them many times and tried to even have them accept part of the money and I would continue payments. I have continued to pay all this time. On top of that they didnt return a XXXX dollar charge that was XXXX suspicious and there was no funds for. I have all documentation to support all of this so do they!
Consumer complaint received 2023-04-13
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

This morning XX/XX/2023 at XXXX central time I received email confirmation that I have successfully opened a new bank account with Bank of America XXXX 
This activity is not authorized by me or anyone I could know, I think this is related to fraud and identity theft. I am not sure how they were able to open up a bank account without my authorization.
Consumer complaint received 2024-01-25
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: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-05
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. (NC)

On or about the dates XXXX, and XX/XX/2022 as shown on my XXXX, XXXX, and Equifax credit file, XXXX XXXXXXXX XXXX XXXX has supplied late payments . 15 USC 1666 B clearly states : " A creditor MAY NOT treat a payment on a credit card account under an open end consumer credit plan as late for ANY REASON. 
Furthermore, 15 USC 1681 Section 602 states : I have a right to privacy. FCRA 15 USC1681 Section 604 A that my written permission is needed to furnish any items on my credit report ( s ). So therefore, XXXX XXXX XXXX XXXX  has violated my rights and furnished damaging illegal entries to my credit file, at which prevents me from simply living my life and causes me great stress. Also during this same time frame of late payments i was seriously impacted by Covid-19, so I would also like to enforce my full rights as it applies to this matter under the CaresAct.
Consumer complaint received 2015-06-15
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I applied for a credit card on XX/XX/XXXX and was declined. I received a email notice that the letter explaining why the card was declined was available through a secure link. After logging in to view the letter, it only brought up a letter from XX/XX/XXXX. This was the XXXX time this incident happened. I called to find out why I could not see the letter, only to be told they did not know. I was told I would receive a letter in the mail and have not received it. I applied again on XX/XX/XXXX and was declined and receive the same email again with the secure link on XXXX XXXX, only again to only show an old decline letter from XX/XX/XXXX. I verified my address and was told a letter would be mailed. I have not received any decline letters for the last XXXX attempts starting in XXXX. I would like to know why I am decline so I what I need to do to better my credit status, but Capital One refuses to send me a decline letter via mail, and the onle secure portal does not show my letter. The supervisors only tell me that they will send out the letter again. I need help. Someone please help me get the decline letters from Capital one so I can know why I am declined. The Application or Reference number to the XXXX application is XXXX. I need help.