davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES (UT)

After reviewing my credit report i noticed accounts from XXXX reporting as collections. I disputed the accounts as fraud contacted the agency and sent over police reports and affidavits of fraud and forgery. The agency sent me information that this " debt '' was from XXXX college, a school i have never attended. The credit bureaus sent XXXX a dispute with a 30day timeframe to respond. GLHEC rather than stop reporting and update these as disputed, sent me a letter stating that the investigation was closed and if i had further documents i could send to them, i then tried calling them to set up a payment even though the accounts are not mine only to find out the investigation isnt closed and they just sent out that letter to avoid the 30day timeline sent to them by the credit bureaus. To this date these accounts are still reporting as collections and GLHEC isnt helping nor following the rules of SCRA.
Consumer complaint received 2022-03-31
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. (PA)

On XX/XX/2022 I received an alert from XXXX XXXX regarding a hard inquiry on my Transunion report from XXXX XXXX XXXX  which I did not recognize or authorized. I called XXXX XXXX XXXX  to verify and dispute the inquiry that was placed. The representative from XXXX XXXX XXXX  told me that there was a credit card application submitted with my information on XX/XX/2022. I told the representative that I did not authorize nor submitted an application for a credit card. The representative went ahead and withdrew the credit card application from their system and provided me the following reference number : XXXX. I asked the representative from XXXX XXXX XXXX  on how my application was submitted and they told me it was done online. I then followed up by contacting Transunion to report the fraudulent activity and dispute the hard inquiry. I was directed by Transunion to file a report with the FTC and provide them with a cover letter explaining the situation to remove the inquiry from my report. I am not aware of how my personal information was obtained but I did not authorize this inquiry.
Consumer complaint received 2020-04-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Ftc violations attached The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

: Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from CCS for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX etc reporting as a collection items. I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection accounts. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in 2018 to be updated and/or removed. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. Sincerely, XXXX XXXX
Consumer complaint received 2015-03-20
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (IL)

I have a XXXX loan. 80 % with XXXX and 20 % with green tree. To refinance my loan for a lower rate I am refinancing the 80 % ( XXXX ). Green tree has asked for authorization form to release information. I signed the form and resubmited it. Green Tree has since asked us to change the verbage XXXX times on the authorization to release information. When contacting Green Tree their representatives can not help us and have no idea what to do but will send a letter. Normal quick refinancing with no money out takes 3-4 weeks, I have been waiting for 4 months all because of Gree Tree. I have no idea how this company is still in buisness. I have had several other issues with Green Tree. I am now seeking out other loan options to buy out my existing loan with Green Tree so that I will no longer have to deal with their incompitence.
Consumer complaint received 2016-02-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Issues : 1. Loan has Impounds for tax and insurance, I received a letter from Ocwen for me to pay prop taxes. Tax Bill is delinquent. 
2. Reporting negative to Credit Bureaus when payments made early or on time. 
3. Ocwen is trying to make me agree to changes to the modification now that settlement has been signed. 

I in XX/XX/XXXX requested a loan modification because XXXX ( at the time ) sent me a letter that my payment would be going from {$3300.00} month to {$13000.00} per month. I made 5 attempts the 1st attempt I was not delinquent on the loan. The representative at XXXX ( XXXX told me I had to be at least 90 days late for them to consider me for a modification ) So I took her advice and requested XXXX more mods ... .I could never get a response. 

When they sued me, I requested a modification again and they refused eventually they said they would give me a modification. My modification was part of my settlement. I would execute their documents in exchange for my modification. Which is still way over value my house is only worth {$490000.00} and I have a modification for {$890000.00} plus a balloon payment. 

NOW they are saying I do n't have a modification if I do n't sign their newly revised modification documents. My 1st payment was in XX/XX/XXXX for a XX/XX/XXXX payment effective XX/XX/XXXX. I have tried to contact Ocwen to set up auto payments but they refer me to the law firm. They had me sending the payments to the law firm but the law firm was sending them the Ocwen so late my payment was getting processed toward the end of the month. So I last month and this month have sent the payment directly to Ocwen with proof of mailing ( just so the payment gets there on time. 

I have attached the Court Settlement Documents as well as The Fully Executed Loan Modification as well as the 2 Attempts to revise my modification. ( That I do not want to sign ) It even says in my executed modification that it ca n't be altered.
Consumer complaint received 2021-07-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (NJ)

I took car loan from Santander bank Account number is ( XXXX ) car was XXXX XXXX, XXXX And total loan was almost XXXX and I was paying monthly payment correctly each month XXXX $ until pandemic for Covid, I contacted the bank to make delay payment for 2 months and they accepted and they send me letter including approval for making payment delay for XXXX or XXXX  months, so in XX/XX/2021 I did accidents with my car and insurance company XXXX Consider my car damage and I did claim number ( XXXX ) they considered the car total loss so they paid to Santander XXXX $ so after that I did claim by gap insurance for the remaining amount which not covered from XXXX, I did claim ( XXXX ) in XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and they paid for Santander Bank almost XXXX, when Santander bank received money from XXXX and gap insurance too, not decreased interest and he still sending me bill and my credit score impacted although, the car already was taken by the company insurance XXXX, I need investigation about this and I send them letter to make payment plan but still not respond and they send me monthly payment
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

( 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 TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$29000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXXXXXX XXXX XXXX please delete any other names I HAVE REQUESTED SEVERAL TIMES TO HAVE PAPERWORK OR PROPER DOCUMENTATION FROM THE COMPANIES I FOUND ON MY CREDIT REPORT. I AM NOT FAMILIAR WITH THE UNKNOWN ACCOUNT. I have already filed a complaint over a fraudulent account from XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXXPlease delete this account at once from my credit file! I choose to opt-out of your disclosing future information until further notice.
Consumer complaint received 2022-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC (NY)

In XXXX I received a bill from XXXX for an account that I did not create. The day that I received the bill I called customer support and advised them this was fraud, they placed an alert on the account and told me I had to go into a location. I did so, and the representative submitted a fraud form. I asked him for further information on the account including a call history and where the calls were placed from, they would not provide this information ; the only information that he would give me is the other name on the account ( XXXX XXXX ) I do not know this person and that the account was created at a XXXX XXXX and calls were made to the XXXX XXXX. He advised me that I would be all set with the fraud form and someone will call me in a week or so. No call ever came. I received another bill in XXXX, and again I call customer support and advise them of the account being fraud and the person I spoke with adv. me to go into the location and that they would call me back later that day to follow up, I went into the location and spoke to the same representative as the first time, who adv. me that my previous fraud claim was denied as the charges were valid. The calls were made on the account but I did not create this account, have access to it before receiving the bill, nor make any calls on the account. He submitted another fraud form and asked that someone from the fraud dept. call me. Not only did I not receive a call back from customer support, I received a call from XXXX but when I picked up they hung up twice. I again asked for information on the account, they would not provide anything. Even after disputing this account from the day I received the first bill, this account was sent to collections on XX/XX/XXXX and can now possibly affect my credit if I do not pay this bill. This is essentially extortion because if I do not pay, then my very good credit will be affected negatively. They have not allowed me to prove that I did not create this account and have not provided me with any information in regards to this account. It was not until I spoke with the collection agency that I was told that my social security number was on the account ( Without my knowledge or my authorization ), they also mentioned a police report needed to be filed along with the fraud form. This was done and all the necessary information has been submitted with the fraud form on XX/XX/XXXX, I have yet to hear back on this. XXXX, did not provide me with either of those bits of information. They did not provide me with any opportunity to try to prove I did not create this account nor give me any necessary information to try to get tot he bottom of how this account was created and by whom.
Consumer complaint received 2022-01-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

On Thursday, XX/XX/XXXX. I went to the XXXX XXXX XXXX of Citibank at XXXX XXXX  XXXX XXXX. Where I have a safe deposit box. There was a sign saying " temporarily closed. '' It suggested I go to XXXX, which would not help me as my safe deposit box is here. 
The next morning, XXXX XXXX, there was 8 inches of snow. After digging out, I called the bank to see if they had reopened. The number actually sent me to another branch. A recording said " all representatives are assisting other customers '' and referred me to a general customer service line. I waited 26 mins for a representative who assured me that she would get in touch with someone at the branch. After 18 minutes and several I need to place you on a brief hold, '' assurances, she told me she was unable to contact anyone who worked for that branch or anyone who could access that branch. That was it. 
I went back to the website because I thought that maybe someone from another branch could help. It actually referred me to XXXX XXXX XXXX where again " all representatives are assisting other customers '' and the referral to the general customer service line. I could not do this any longer. I had to get my pre-flight Covid test. 
So now I find myself leaving the country for 10 days with no jewelry, and no credit cards because they are in my safe deposit box where I thought they would be safe, not inaccessible. Fortunately, I had my passport because I had misplaced it in the house. If they were going to temporarily close the branches because of COVID 19 lack of foot traffic, why did they fail to notify the clients of this decision? How can they just hold my possessions, charge me a fee to do so, make my possessions inaccessible and fail to keep me informed? Had my passport been there, I would not be traveling tomorrow. As it is, they have put me at a tremendous disadvantage. I am carrying a large sum of cash but not enough if something really goes wrong. That is unsafe. Also, I have to deal with changing currency. All of this causes unnecessary inconvenience and hardship for me. What if I needed my deed, the title to my car, the power of attorney for each of my adult children? How is it possible that no one at Citibank has any answer for me other than to refer me to a number that sends me to a service representative that can not help? The alternative branches can not help because they never pick up the phone. Chat can not help because for this matter you need to speak to a representative. I am paying for access to a safe deposit box to which I have no access. 
I need to know when I can have access to my possessions. Citibanks behavior is unconscionable, irresponsible, dismissive.
Consumer complaint received 2021-07-09
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: Synovus Bank (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NH)

I frequently work with the Credit Agencies to freeze and unfreeze my accounts to protect my security. I just unfroze my account with all three agencies ( Experian, XXXX  and XXXX  ). It was relatively easy to unfreeze my accounts with these three agencies. To refreeze my accounts I am having a lot of trouble with Experian. There is no way to get to a live agent and they want extra information to be mailed to them to freeze my account. It seems the only way to get better service from them is to upgrade my account and pay them money to do so. 

Can you please do something to make this process of freezing and unfreezing a persons account simpler? I believe that Experian is intentionally making it difficult for non-paying individuals, and this must be corrected. Maybe the credit information freeze should be handled by a single third party so an individual like me doesnt have to deal with three separate agencies every time. Thank you for handling this complaint.
Consumer complaint received 2020-11-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (TN)

I applied for a bluebird amex online. The site said I was not approved. This is a prepaid card, no credit check. I called customer service and was told to simply go to a store and pick up a card. I did so. The store card is only a temporary card and you are to register it online. The system gave me the same message as before. We are unable to approve you, etc. I have the card in hand with my money loaded on it and I'm not approved????? I called customer service and was told it was because I was not entering valid information on the registration page. Everything I entered was valid. I am not trying to scam myself out of a card that I put my own money on. This company, however, is a scam. When inquiring to the agent that it seemed I am XXXX out of luck, she replied, " Yes, you are ''. The agents ID number is XXXX. I am able to use the temporary card with the {$5.00} that I loaded on it initially, but it can not be reloaded unless it is registered. We are back to where we started. I spent {$5.00} for the prepaid card kit.
Consumer complaint received 2016-06-01
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: FirstPoint Collection Resources (NC)

Doctor performed and billed me for unnapproved and unwanted lab work after I was told by him basic lab work would be done at a cost of XXXX dollars. I did not approve any of the lab work I was charged for. I was told only basic labs were being done and told the cost would be XXXX dollars. I was then billed for XXXX dollars.
Consumer complaint received 2015-10-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NC)

I tried to set up by-weekly payment with Ocwin, but even through the website list by-weekly payments as a option no method exist to set it up. I called and the person I spoke to could not set it up either or could she direct me to a person who could. I believe this is fraud on Ocwin 's part.
Consumer complaint received 2016-08-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

Three times we have requested info on the XXXX program. On XXXX/XXXX/16, I was put on hold by Ditech for over two hours. They were sarcastic and talked to me with a slow, XXXX tone as though I was a child. I asked to speak to a manager. He did not know any XXXX info. I simply wanted to know the required loan to value ratio. They are unable to furnish any info about my loan. This is a horrible, rude company with no customer service. They are incompetent.
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I made a payment arrangement with capital one auto and I ask the person if I make a payment arrangement will this report negative in my credit he advised it wont and unfortunately it did. The capital one employee agreed that he did tell me the info but I had to file a formal complaint which I did and they refused to remove the late mark because they stated a payment arrangement doesnt stop the late report on my credit which is unfair
Consumer complaint received 2016-02-20
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MO)

I need the CFPB to do an investigation of what went on with my duplex that was foreclosed by XXXX XXXX. I believe this property was already paid and was not released. However not only did I lose the duplex and its value I have paid for it three times - once with the payments, once with escrow used to pay for it and once with money from the Indy Mac line of credit -that was not really extinguished - to pay back the escrow I had already paid. The escrow for the duplex foreclosed has been paid to date from the field adjustments in modification already paid to midland mortgage AND XXXX XXXX! 
I need someone to sift through this mess. 
In addition since the duplex was paid by Indy Mac where is the money I also paid to XXXX XXXX after they paid off their balance with the money from the foreclosure sale? Did they buy it back with my money I had paid and then sold it again? Or was it Indymac who actually foreclosed and added the interest I already paid to XXXX XXXX back into the loan modification on my house? 
I WANT THIS FIXED. 
I have paid for my duplex I no longer own did not receive the rent and/or proceeds I was entitled and have a balance on a mortgage on my house I DO NOT OWE. 
THERE ARE BLATANT SERVICING ERRORS and I am the one forced to PAY to prove it or XXXX pay for my house TWICE. 
WHAT is the CONSUMER financial protection bureau going to do?
Consumer complaint received 2020-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Best Service Co.,Inc (CA)

The Best Service Company is reporting a collection for a jewelry account that I do not owe. 
My wife made a jewelry purchase, but returned it the next day. 
I wrote The Best Service Company to inform them of this fact but they have ignored my communication. 
The Best Service Company has placed this fraudulent collection on my credit report at all XXXX credit bureaus.