davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-22
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: Experian Information Solutions Inc. (CA)

I opened a credit card account with XXXX XXXX XXXX  about a year ago. They never once sent me a billing statement. I have had phone conversations with them almost monthly since the first billing cycle explaining that Im not receiving statements the represtaives I spoke with told me the late fees would be removed and that I wouldnt need to make another payment for two Months, yet I would receive a call the next month stating again my payment was past due. Again I explained that I have not received a statement and I made a payment on the phone with the representative who said the late fees would be waive and they would send me my statements. I have spoken with serveral supervisors who said they would 1 resolve the issue 2 remove my late fees and 3 remove the late payment remark from my credit report which has not been done. When I called back to speak with the supervisor who I spoke to in XX/XX/XXXX who had said he would correct the issues and then failed to contact me with the result, I was told by the XXXX XXXX  rep that they would not allow me to speak with him. recently I was finally able to get XXXX XXXX  corporate office to fax me all of my statements which showed a total of {$190.00} in fees that they have charged me and are now refusing to remove they are also refusing to remove the remarks on my credit report unless I pay the balance which includes {$190.00} in fees that should have been removed due to the fact that they never once sent me a bill. This practice is very unethical. I appreciate any help in resolving this issue
Consumer complaint received 2019-02-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (CA)

For over 4 years I've been getting collection calls every single day from XXXX XXXX. Even when I pay them, I still get a call. It's harassment. I want it to stop. And they would never let me refinance my loan, even when I tell them I'm unemployed and never eat. I hate my life. I hate XXXX XXXX. They've contributed to the falling out of me and my brother in law, who was the original co-signer. As much as I've paid them both back, I've paid in interest, and this won't ever go away. Not to mention every single day I get at least 4 phone calls. XXXX XXXX. I don't have your money.
Consumer complaint received 2015-06-25
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Onity Group Inc. (NC)

Ocwen created a new mortgage with loan number XXXX which I have refused to pay since its inception in XXXX.  I have never paid one payment on loan XXXX and I filed complaint number XXXX with this office which is currently under review.  Since Ocwen filed its response to complaint XXXX they modified loan number XXXX without a request from me and without any acceptance of the modification.  I became aware of the modification when I logged on line to Ocwen.com and looked at the mortgage account statement.  The statement shows that I have already missed one trial modification payment in the amount of XXXX and have a current payment due in the amount of XXXX that is due now.  Ocwen did not mail this statement to me, they did not mail modification papers to me to sign etc.
Consumer complaint received 2020-06-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (MO)

Purchaser is incarcerated and this is being submitted by his father, who has power of attorney over the purchaser 's affairs. Purchaser has never qualified for a loan without a cosigner in his life. He has heavy debt and is behind on child support. He was likely inebriated when the purchase was made. Somehow the XXXX XXXX XXXX Dealer in Missouri took possession of a XXXX as a trade-in, sold Purchaser a XXXX  XXXX XXXX for {$26000.00} and also issued Purchaser a {$30000.00} loan which was financed through Chrysler Capital. No doubt fraud was involved as no one can explain how this was legal. 

Purchaser never made a payment and was XXXX. He signed a power of attorney to his father. The father faxed the POA to Chrysler Capital months ago but Chrysler will not send the father the paperwork, return his calls, or explain how this loan ever got issued in the first place. He would like to return the car but can not get instructions on how to do this. A friend of the family who is an attorney has contacted the company but can not get answers either. The father is NOT a co-signer or co-purchaser but there was no other option on this electronic form.
Consumer complaint received 2020-06-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Second Round Limited Partnership, Austin, TX Branch (TX)

Second Round Limited Partnership and XXXX XXXX XXXX XXXX tried to collect a debt from me that I didn't owe. I sent over the creditors validation letter neither one of them Validated the debt in order to prove they were capable of collecting the debt in the 45 day allotted time given by the ( FDCPA ) Fair Debt Collection Practice Act. In fact, Second Round Limited Partnership didn't answer back to my letter I sent them. Accordingly, to the Law when a collection company doesn't answer back with in 45 days they most stop all collection efforts and removed themselves from my credit report from all three credit bureaus.
Consumer complaint received 2015-11-24
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: LendUp Loans LLC (CA)

XXXX lost XXXX payments I made. I filed a claim on the first payment made on XXXX, of {$50.00}. I got credit for this. Then my next payment of {$50.00}, made on XXXX these people charged me {$25.00} and said " customer refused to authorize ''. Per XXXX XXXX XXXX this did NOT happen, and payment was paid by my bank I sent my bank statement from XXXX to XXXX to show them payment cleared my bank and not returned. They STILL confused the credit I got from XXXX payment, with the XXXX payment. They now will not even answer me, very unprofessional. They are trying to cheat me out of {$25.00} for the returned fee. Will not post a {$20.00} payment I made on XXXX XXXX.
Consumer complaint received 2015-06-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (HI)

My mortgage got sold over and over again in XXXX parts. The last XXXX to buy my XXXX mtg is Chase. They are threatening to foreclose now in spite of me making payments. The payments were rejected, attached if system lets me. 

I had told them I needed a reconciliation. I had told them that I just got my property back from XXXX mortgagor. I had told them I was sending my estimated payments in XXXX chunks. 

They ignored all my communiques and are proceeding. I need help to reach someone with reasoning capabilities at Chase.
Consumer complaint received 2024-02-23
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. (CA)

I am writing to dispute and request the immediate correction of inaccurately reported late-open accounts on my credit file maintained by Credit Bureaus XXXX Upon reviewing my credit report, I discovered multiple instances of late-open accounts, which inaccurately portray my credit history and negatively impact my financial standing. 

Specifically, the accounts listed below indicate open dates that are not consistent with the actual terms of my agreements with the respective creditors : These inaccuracies are concerning as they misrepresent my creditworthiness and could have adverse effects on my ability to obtain credit or favorable terms in the future. I request that you promptly investigate these discrepancies and take the necessary steps to correct the information on my credit report. 

Please ensure that the correct open dates are accurately reflected for each of the accounts listed above to provide an accurate portrayal of my credit history. 

Furthermore, I urge you to review your procedures to prevent such errors from occurring in the future and to provide me with written confirmation once the corrections have been made to my credit file. 

I request acknowledgement of receipt of this dispute letter within the exact timeframe and periodic updates on the progress of your investigation. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXXXXXX Balance Owed : {$140.00} ; XXXX XXXX XXXX Balance Owed : {$18000.00}.
Consumer complaint received 2024-02-23
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 3 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 XXXX XXXX Owed : {$1800.00} XXXX XXXX XXXX XXXX XXXX Owed : {$1800.00} XXXX XXXX XXXX XXXX XXXX Owed : {$1800.00}
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

The age of the account ending in XXXX is old and outdated. It is over XXXX XXXX XXXX. The account needs to be removed from my credit report.
Consumer complaint received 2016-03-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MN)

I am the XXXX Representative for an Estate that contacted JPMorgan Chase to give me a payoff for the deceased home loan for payment. The home sold, the closing date and time were determined. For exactly two plus weeks Chase gave me false information and would not honor my request. I contacted the Office of the Attorney General in Minnesota for assistance. They did contact Chase Mortgage on my behalf. Chase did give the payoff amount to the advocate that acted on my behalf. Had the Office of the Attorney General not assisted me I would still be trying to obtain the payoff amount for the loan. Chase Mortgage also added fees to the loan which were not applicable in this case.
Consumer complaint received 2016-07-07
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (FL)

On XXXX XXXX, 2016 I went to XXXX XXXX and negotiated a lease for a XXXX XXXX. I signed the contract with them, they delivered the car and assigned the contract to VW Credit XXXX, XXXX On XXXX XXXX the dealer contact me asking more information, which I provided to them. Latter they contact me again because they want to change the contract, but I do not want to change it. I need to pay the first installment and VW Credit do not have me in their system, so I am not able to do it. I contact them and they referred me to the dealer who is harassing me with calls and mails because they want to change the contract.
Consumer complaint received 2015-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (CO)

THIS IS WRITTEN NOTICE TO AFNI THAT YOUR CLAIM HAS BEEN DISPUTED UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ). I HAVE THE RIGHT TO DISPUTE ANY INACCURATE INFORMATION THAT IS BEING REPORTED IN MY CREDIT FILE. I HAVE REQUESTED SEVERAL TIMES FOR PROOF THAT I HAVE A LEGAL OBLIGATION TO PAY YOU AFNI. THIS ALLEGED ACCOUNT HAS BEEN ILLEGALLY DISPLAYED ON MY CREDIT REPORTS ( XXXX, XXXX, AND TRANSUNION ), AND IF VERIFICATION CAN NOT BE MADE WITHIN THE 30 DAY TIME FRAME ALLOWED TO AFNI BY LAW. THE DISPUTED ITEM LISTED IN MY DISPUTE MUST NOW BE COMPLETELY REMOVED FROM MY CREDIT REPORTS ( XXXX, XXXX, AND XXXX ). 
AS AFNI IS NO DOUBT AWARE THAT THEY HAVE EXCEEDED THE 30 DAY TIME FRAME ALLOWED TO THEM BY LAW. 

THE LAW REQUIRES COMPLIANCE WITH THE TERMS AND CONDITIONS OF THE FAIR CREDIT REPORTING ACT ( FCRA ), WITHIN 30 DAYS OR COMPLETE WITHDRAWAL IN WRITING OF ANY CLAIM. AFNI HAS FAILED TO REMOVE THIS INACCURATE ACCOUNT INFORMATION, AND THIS UNVERIFIED INVALIDATED INFORMATION SHOULD NO LONGER BE ASSOCIATED WITH MY CREDIT REPORTS ( XXXX, XXXX, AND XXXX ). 

I WOULD NOW LIKE TO KNOW WHAT ENTITY CAN INFORCE FINES AND FEES AGAINST AFNI FOR A DIRECT VIOLATION OF THE LAWS?
Consumer complaint received 2024-02-23
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 appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 XX/XX/XXXX
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The age of the account ending in XXXX is old and outdated. It is over XXXX XXXX XXXX. The account needs to be removed from my credit report.
Consumer complaint received 2015-10-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (IL)

This is in regards to a past complaint I had with Chase bank. Case # XXXX. I have made a dispute regarding the money they refunded and will accept the {$100.00} as a courtesy, but it still does n't justify the remaining {$700.00} something dollars that was overdrawn on my account. Most of the time is was because of the time factors with my payroll check going in 1 hour prior to their allotted deposit time. In that situation I ca n't control. I literally work pay check to paycheck and for any unnecessary means that come out of my bank account upset my budget and most of the times by bills come thought and I do n't have enough money after the " fees '' to cover them. They say " we can only refund back so much '' so what they can live off of low income families with all these fees?
Consumer complaint received 2016-01-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

OCWEN Loan Servicing , LLC ( " OCWEN '' ) was given written notice of demand for a Beneficiary Statement pursuant to Cal. Civil Code 2943 ( a ) ( 1 ), ( 2 ) ( A ). Such notice was received by the Company by certified mail on or about XXXX XXXX, 2015 and was signed for by Company agent/employee. OCWEN has failed to comply with the beneficiary statement request. 
The full text of my complaints are in the attqached documents.
Consumer complaint received 2015-11-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

I filed bankruptcy several years ago, which was dismissed in XXXX of 2014. I have since waited for Ocwen Mortgage to get my paperwork straighten out since they purchased my mortgage from XXXX. However they have just now 18 months later sent me paper fork saying that my payments are past due and that I owe them a lot of extra money. and that I have made XXXX payments in one day. I want a detailed explanation of increases in escrow and past due amounts also an stop in any other proceeding until they can explain what is happening.
Consumer complaint received 2020-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by TRANSUNION regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX. 

TRANSUNION violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows High Balance {$26000.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount {$26000.00} and a Charge Off/Close Account must show {$0.00} Past Due.

3. Delete this account, because it shows Payment History reported  consecutively as Charge Off C/O in XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXXyear ; XX/XX/XXXXyear ; XX/XX/XXXXyear ; 30 days late XX/XX/XXXX ; 60 days late XX/XX/XXXX ; 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as C/O reported on my credit report.

4. Delete this account, because it shows Credit Limit {$24000.00} on a charge off close account.

Please delete this account, and send me a new report. I need to apply for a mortgage in 2 months and this is an urgent matter.
I have attached my TRANSUNION Credit Report and circled the violations, TRANSUNION violated in red color.

TRANSUNION must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2016-02-08
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First Associates Loan Servicing LLC (SC)

I was a student at XXXX XXXX XXXX from XXXX of XXXX to XXXX XXXX. A school official applied for a Peaks Student Loan ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XXXX XXXX to XXXX XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency XXXX XXXX XXXX XXXX XXXX was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX Bank the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX Bank. The representative from XXXX further advised me that XXXX Bank was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.
Consumer complaint received 2024-02-23
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-06-01
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)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2015-03-31
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO. (FL)

In XXXX Chase Auto Loans reported to all three credit bureaus that they had charged off a loan with me and the loan now carried a zero balance. It remained so for 5 years, until in XXXX I disputed the validity of the chargeoff still being on my credit report because the original chargeoff date was actually in XXXX. In retaliation they changed the status of the loan to REPO/CHARGEOFF with a balance of {$15000.00}, which is more than was ever owed at the close of the loan. 

The loan had a protection clause ( which I paid extra for ) which was an insurance of sorts that ensured in the event I was involved in an accident that caused me to lose my employment the loan would be " paid in full ''. While I filed numerous papers with both Chase and the dealership ( XXXX XXXX ) to ensure this protection was invoked, Chase and I in the end came to the agreement that I would return the vehicle to them and they would charge off the remaining balance of the loan. This is why in XXXX the balance was charged off to a zero balance. However, the loan agreement actually came to anend in XXXX when I turned the vehicle back over to Chase. This is why I disputed the entry still being on my credit report in XXXX XXXX.