davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-03
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. (NC)

I sent a letter last XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX, NC XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$19000.00} XXXXXXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$740.00} XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$3900.00} XXXX XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXXBalance : {$59.00} XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$190.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccording
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (NC)

Had challenges signing on into the accounts. Had to try over and over and over before the system would let me in even though the correct username and password was being used. 

Also on XXXX, XX/XX/2022, twice I called regarding the promotional offer of 3.99 % on all new purchases including online purchases through XX/XX/2022. Not one customer service person saw this offer. No one attempted to locate this offer. I would activate it over and over without success. At first I was told the offer had expired. XXXX would not transfer the call to see what had happened to the officer that would expire on XX/XX/2022, if I did not accept. 

Since opened this account I have been cheated out of these promotional offers. 
My concern is whether or not I am being mislead and deliberately denied the promotional offers that have been made to me. 

The Corporate office is very rude and refuses to talk to me ; so I have to file this complaint once again. There is a very ugly pattern here that may have to be addressed via other means against Barclays Delaware Bank. It appears to be a very common practice to send me these offers and yet fail to allow me to activate and enjoy these offers.
Consumer complaint received 2017-02-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

I was put on a modification payment XX/XX/XXXX and made the required downpayment and when I went to make my XX/XX/XXXX paymen ton XX/XX/XXXX. ocwen would not take my payment online and I called and was told a relationship manager would call me on XX/XX/XXXX at XXXX. no one called. I called again and was told the next available date for a call back is XX/XX/XXXX and I asked for an earlier appointment as I wanted to make sure I paid XX/XX/XXXX mortgage per the repayment plan. I received a call XX/XX/XXXX and explained this again and and I was put on another repayment plan to take effect XX/XX/XXXX with a payment of {$4900.00} and 5 payments of to get back to current payment of {$3500.00}. I schedule another call back for XX/XX/XXXXto make sure payment was taken out of the account on XX/XX/XXXX. I am told today that was denied. each time this lender keeps giving info to me and I comply and then they change their mind and causes more fees and time. I never received any mailed documents as it was to be sent via email as requested. now they cant take the payment because its over 90 days. and the relationship manager refuses to transfer me to US rep., I have waited over 1 hour to speak to a manager in their XXXX office andXXXX keeps calling to transfer me and I cant keep holding
Consumer complaint received 2022-02-14
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: EQUIFAX, INC. (CT)

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INACCURATE INFORMATION from my credit report immediately.
Consumer complaint received 2016-08-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Advanced Collection Bureau, Inc. (TX)

I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.
Consumer complaint received 2016-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TN)

My mortgage company Ocwen Servicing sent me correspondence stating my Homeowner coverage was insufficient for the mortgage on my home. My dwelling coverage is {$88000.00} with XXXX XXXX XXXX. My mortgage loan balance is {$86000.00}, my coverage is insufficient per Ocwen. Ocwen paid a portion of the homeowner annual premium on my home and not the annual premium of {$1100.00}. Please Please address this problem with Ocwen I do not want my policy to cancel. See attachment Ocwen has been is a awful mortgage company and they do not try to assist their clients.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2015-10-18
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

CapitalOne Bank advertisement is false and misleading. On XXXX, CapitalOne is stating that their Capital One ( R ) Platinum Credit Card has : Pay no annual feeGet access to a higher credit line after making your first 5 monthly payments on time Fraud coverage if your card is lost or stolenAfter 8 months of having a XXXX balance CapitalOne never increased my line of credit, even though I 've always paid the account in full every month and had no late payments. I feel that they bated me into signing up for their credit card and now they are switching the terms of the agreement.
Consumer complaint received 2024-01-26
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: Experian Information Solutions Inc. (MA)

I hope this letter finds you well. I am writing to file a complaint against Experian regarding inaccurate information on my credit report, as per the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). The details of my dispute with Experian are as follows : On XX/XX/XXXX, I contacted Experian to address the inaccuracies present on my credit report. Unfortunately, as of today 's date, I have not received any response from Experian. 
The inaccuracies pertain to the following accounts : XXXX XXXX XXXX XXXX Account # : XXXX, Date Opened XX/XX/XXXX, Balance : {$22000.00} ) The account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXXXXXX XXXX XXXX : {$520.00} ) The account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXXXXXX XXXX XXXX : {$500.00} ) The account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXXXXXX XXXX XXXX  : {$120.00} ) The account was never late. Please correct/update this inaccurate information on my credit report.
Consumer complaint received 2017-05-01
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Solutions, LLC (KY) (PA)

XXXX XXXX has been chasing me up for an alleged debt they said I owed in the amount of {$37.00}. I used to be bundled with XXXX and XXXX XXXX together, but unbundled back in XXXX of XXXX. 
When I severed from XXXX they informed me that I was all caught up in my billing with them and then from there on I would only be paying XXXX XXXX. 
XXXX 's Address : XXXX XXXX XXXX XXXX, XXXX XXXX, Arkansas XXXX To my surprise, XXXX XXXX later told me I still owed them some money. 
This could n't have been correct because my bill was paid in full. Even XXXX XXXX said I had paid my bill in full. 

I decided to contest the debt with XXXX, and based on legal advice I read on the internet returned to sender all subsequent invoices back to their financial department. I had written to them to cease and desist communications with me, but they kept sending me invoices that I kept returning to sender. 

Months have went by so I assumed they would leave me alone, and if the debt appeared on my credit report I was going to challenge it. 

However, on XXXX XXXX XXXX, a guy named XXXX contacted my father, XXXX XXXX XXXX, asking for my whereabouts. XXXX would not disclose who he was, or what company he was working for. He merely said he needed to speak to his son, " XXXX XXXX XXXX '' about an urgent matter. XXXX 's number is XXXX. He was posing under false pretenses contacting my parents to find my whereabouts whom I have not lived with in many years. 

I called this number and instead of XXXX, a guy named XXXX answered the phone. He asked me if this was XXXX XXXX. I said, " This is He, How can I help you? '' Than he tells me that he works for a debt collection agency called Credit Solutions, and he was hear to collect on behalf of XXXX in the amount of {$37.00}. I asked for a debt verification letter, and based on that I would consider paying it. He never sent the debt verification letter. Their address is XXXX XXXX XXXX XXXX KY XXXX. 
The account # : XXXX So I contacted XXXX that same Evening, and all I got was a complete runaround. XXXX 's financial division were not sorry for getting the debt collector involved, and when I had explained that it is against the Fair Debt Collection Practices Act to talk to third parties without disclosing their full identity to hunt me down, XXXX XXXX XXXX blew me off like the law does not apply to them. 

I contacted
Consumer complaint received 2015-07-10
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: NAVY FEDERAL CREDIT UNION (CA)

i was XXXX XX/XX/XXXX XXXX 10 months during this period someone used my atm card to withdraw funds from my account as well use my account fruadlanty. upon becoming aware of this activity i reported it to fraud department at navy federal XX/XX/XXXX. since this filing this dispute the security agents at navy federal ive spoken to have been rude, disrespectful, and have accused me of committing fraud.
Consumer complaint received 2017-05-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

I have has several issues at  two  different locations, even with corporate. So the first location  XXXX  tried to add on several options to my loan without my permission, told me I had to borrow more than I asked for to get approved. I asked for  XXXX  they said I had to pay off all debt on credit report around {$10000.00}. So i asked for  XXXX  they said I had to borrow {$10000.00} to get approved. I said that is too much, they got it down to {$6000.00}. Also told me I had to do automatic payments, pay fees, and interest was not disclosed. They also did not tell me about all payment options to me. I called corporate asked to be transferred to another office. They sent me to  XXXX . This location also had undisclosed fees, and tried to add on optional items to my loan. They also had undisclosed fees, and did not give me correct information.They were to pay off current loan, and refinance me. However, it was not the correct pay off amount. What they paid off was higher than the original loan, even after I made a payment of {$190.00}, and had the loan for less than  one  month. I called the manager, sent emails and even called corporate no one has returned my call. I was speaking to someone name  XXXX  from corporate out of South Carolina, she was suppose to help with the incorrect pay off amount. Stated she would research, and get back to me. It has now been  three  weeks no response after several calls, and messages to her. So she is now avoiding me, and none of them are taking responsibility. Although they were legally, morally, and ethically wrong. Furthermore, my husband and I wanted to get a loan or I would co-sign for him. We received a declination letter stating they could not verify our income, it was a lie. We had all pay stubs. They also said debt to income ratio, it was a lie. They improved me for an additional loan of {$3700.00} my take home is {$2500.00}. My husband, and I only wanted {$1500.00} and our combined take home is {$5000.00}. So they have unethical sales practices, they want you to borrow more than you need. They claim it is to reduce debt when in reality your payments go up with their loan. They pay off lower rate loans, for their higher rate loan. Therefore, no benefit for the customer, and nothing is done in the best interest of the consumer. The dates all range from   XX/2017   - XX/2017
Consumer complaint received 2020-10-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (AZ)

My student loan was discharged in a court settlement for predatory lending. All account balances have been discharged for the affected borrowers, even people who were default on their payments and never paid their balances. I made all of my payments on time and have paid more than {$10000.00} on this loan. I feel that if the loan was found to be fraudulent or predatory and they are discharging all remaining balances, even the people who never paid anything, then I should be entitled to receive all of the money I have paid into the loan.
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (PA)

I logged onto annualcreditreport.com to request my free credit report. I filled in all of the required information and they told me they would not give me the report. No explanation was provided. This is the second time they have done this. The other agencies provide the report without issue.
Consumer complaint received 2015-04-01
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

i have unauthorized charges to my account. i contact capital one bank with issue i then got a processor contacting me ext XXXX XXXX antiqua from capital one. she indicated she could n't help me in my claim because of the type of dispute but yet contact contact to go over the account and want to go over the transaction. the company. now the company block my account and any way of defending myself. she was rude and nasty and destroyed my case with her incompetency
Consumer complaint received 2023-04-03
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: Self Financial Inc. (IL)

In accordance with the Fair Credit Reporting Act ( FCRA ) ; XXXX BANK SELF LENDER, SELF LENDER INC, and XXXX XXXX XXXX has violated my rights on multiple accounts under 15 U.S. Code 1681 section 602 which states I have the right to privacy, 15 U.S. Code 1681 section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666b ( a ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I have disputed this several times in attempt to correct the inaccurate information that is being report, however XXXX BANK SELF LENDER, SELF LENDER INC, and XXXX XXXX XXXX has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
Consumer complaint received 2022-09-06
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AXOS FINANCIAL, INC. (MD)

Axos Bank failed to secure my account and allowed access from an unauthorized third party. 

On XX/XX/XXXX, there was a login with username to the Axos Account on XXXX XXXX using browser XXXX  at IP address XXXX XXXX. This was allowed without the XXXX  or proper authorization. The unauthorized login was able to access my account XXXX during the week of XX/XX/XXXX. An unauthorized user linked a XXXX XXXX account ending in XXXX on XX/XX/2022 at XXXX EDT, and was able to make two separate external transfers, and two internal transfers, totaling {$12000.00} in losses. 

I did not access my Axos account on the days above, nor did I allow anyone to access my account. I have 2-factor authentication on my login, which requires a one-time password sent via text to my cell phone. I did not receive any text from Axos on those days. Additionally, I have my account set to email me for any transfers and was not notified of any activity on these days. 

On XX/XX/2022, I accessed my account using my XXXX  app with the IP address XXXX, followed by login using XXXX XXXX XXXX XXXX  on XXXX XXXX and reset my password. 
I have reported this case as criminal theft and identity theft. Please see the attached police reports, XXXX filing and letter of dispute. I would like to resolve this issue amicably, please reach out to me at the phone number or email on file for my account.
Consumer complaint received 2019-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (TX)

I was denied credit and denial letter said that XXXX was the credit reporting agecy used, so I contacted them to get a copy of my credit report. I called them several times on XX/XX/18 at phone number : XXXX and got a recorded message that said all lines were busy. I eventually reached a recorded line and left a message. I received a return phone call from them on XX/XX/18 at approximately XXXX XXXX. The person calling identified himself as XXXX and said he was the only person that worked there, however it sounded like other callers were in the background. XXXX said he could give me information about my credit report over the phone if I could verify who I was. He proceeded to ask me a series of questions and then asked me to verify another person 's date of birth. I told him that I could not verify another person 's personal and private information and that it was not only illegal for me to give him that information, but it was also unethical for him to ask me to give him that information. XXXX replied that it was OK to provide the other person 's date of birth because the questions were computer generated and the person and I previously shared the same address. I told XXXX that I would only answer questions about me and that I didn't know the other person 's birth date. When I refused to give him the other person 's information, he said he could no longer give me any information over the phone and that he would send me a form in the mail to fill out. I did receive the form 2 weeks later. Asking me to divulge another parties personal information is not OK. I work with sensitive data every day and I would be fired, fined, or both if I ever gave out anyone 's personal information.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.I 'm writing to remind you that you need to make sure all your claims are accurate and reported in the correct format. This is required by law ( FCRA ) and reporting standards ( METRO 2 ) .For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report.These allegations appear to be inaccurate. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately.