davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-24
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Harris & Harris, Ltd. (MD)

Someone called me and said that i owe money for the state of Maryland, i called the state of Maryland office and asked then if i owe any money to the state, they asked for my personal information i gave everything to them and they said that i do n't owe anything to the state, now some debit collector company reported me. 
I never got a letter from them just a calls. 
I checked my credit score today and because of them my credit dropped a lot.
Consumer complaint received 2016-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC. (NY)

Consumer Financial Protection Bureau Case # XXXX This is an ongoing case in which I have submitted a letter to First Niagara Bank in response to their letter detailing that the information they provided was not in fact proof of fraud and that actual proof needs to be submitted. I have attached a copy of the letter. 
Please help to get this matter retified. This was originally submitted to the Attorney General 's Office and they submitted it to you. 
Thank you, XXXX XXXX
Consumer complaint received 2020-10-19
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. (CA)

-- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/2020 with a balance of {$6300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/2020 with a balance of {$30000.00} -This is not my account.
Consumer complaint received 2021-01-26
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. (NY)

I've been attempting to remove fraudulent accounts from my credit report since XX/XX/XXXX. I've mailed multiple sets of letters since then, asking the bureaus to investigate and remove fraudulent accounts. Its been over 200 days into something that is limited to 30 days max and not only are the accounts still reporting on my report, they're not even being investigated as I have received no responses. The first letter was delivered on XX/XX/XXXX per certified mail tracking and the follow up letters were delivered on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. It is surprising that the bureaus are blatantly allowed to disregard the federal law under the FCRA and my rights with no consequences. This is my last plea before I take this to my lawyers and sue for damages.
Consumer complaint received 2016-06-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

I opened a account with XXXX on XXXX/XXXX/2006 and the account shows pays as agreeded, however the account shows me with a balance of XXXX. I need this account to be updated to show at a XXXX balance.
Consumer complaint received 2015-06-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (DC)

We moved in XXXX of 2014 to XXXX from XXXX. XXXX transferred services to our new home which created a new account number. The bill from the XXXX account was never sent to new home address. We became delinquent on the old account without knowing it. We finally received notification of delinquency this month and have paid the balance in full. We are requesting to have the delinquency removed since it we were not receiving bills.
Consumer complaint received 2015-10-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Client Financial Services of Michigan LLC (MI)

My medical insurance paid the bill, and I was then subsequently billed again for the full amount. My insurance provider then opened an investigation, and it was decided that I did not owe the amount that was billed. I have now been contacted twice by a debt collection agency for this amount, despite sending them a letter asking for proof of the debt upon receipt of the first notice. I have yet to receive proof of the debt.
Consumer complaint received 2021-01-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (IL)

I closed on my loan late XX/XX/XXXX/XX/XX/XXXXas part of refinance. I had several thousands in escrow that PHH was supposed to send me a check for. After contacting the company in XXXX about the check they said they will verify that the check wasn't cashed and reissued. I never received any follow up or check. In early XX/XX/XXXX I contacted PHH again and found out that the check was cashed. I was shocked that this wasn't escalated for fraud considering I contacted them in XXXX but nothing was done. This got escalated to fraud department at PHH. Also escalated to a manager whom promised good follow up and resolution. It's now over 2 weeks and I still have not received a resolution. I contacted PHH again today XX/XX/XXXX, was informed by a manager that this is a complicated matter and she hasn't seen this happen again. Again very surprised that most basic case of fraud ( cashing a check ) is something the manager of fraud department considered as difficult and unusual. She also told me that they only have 30 min for research and the rest of the day have to be available for inbound calls. I am so very frustrated and disappointed that this fraud is being ignored and proper urgency is not taken. Pulling a cashed check is a matter of min and if the agents don't have time to do investigations it speaks volumes of what PHH is focused on ... debt collecting.
Consumer complaint received 2016-05-09
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc. (MD)

I have asked Commonwealth Financial to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2016-05-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

I would like to file a FTC claim of Fraud against Mortgsge Co, and the unknown Note Holder ( s ). According to an Independent Forensic Loan Audit, my mortgage violated several FTC and other Laws, Acts, and Regulations. Mortgage payments were made to several different Mortgage Cos. and Mortgage Service Cos. However, A different, recently Assigned Trust/Company has been granted a " Summary Judgment for Foreclosure & Sheriff Sale '' .of my home. I had requested a " Validation by contracts '' of the alleged debt several times. One request was by fax. The request was to provide proof of the debt or stop All contacts and All actions related to debt. OR voluntarily agree to certain fines. But, their response was more printouts of payments schedules & the Actions of Foreclosure, instead. The mortgage Violations are evidence of Fraud on the part of the Mortgage Co. and follows to any Assigned Trust or company. According to the Audit, the mortgage Violated many FTC and other laws, which makes it a Fraudulent.Debt. and Fraudelulent Foreclosure. 
I am attaching the following documents to support this claim : 1. Copy of the independent Forensic Loan Audit 2. Copy of partial list of Mulltiple Calls from Mortgage Company with some related letters. 
3. Copy of fax ( dated XXXX/XXXX/2014 ) Requesting a Validation of the Mortgage and Note to identify true " Holder ( s ) of the Note ''. 
4. Copy of the Mortgage Company 's Responses dated XXXX/XXXX/2014 ) to request for " Holders of the Note '', OR to agree to fines if unable to stop all contact & actions related to the debt.. 
5. Copy of some of the continued contacts & actions related to the debt, after failure to Valiidation of the Debt., by mortgage company.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

XXXX is trying to collect on behalf of XXXX XXXX for an unknown debt. XXXX has not supplied any proof of contract showing the signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. I discovered that this collection was on my credit report XX/XX/2021. This negative account in the amount of {$180.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I graduated from  XXXX  school in  XXXX   XXXX . I should 've had 6 months from  XXXX , which would 've been  XXXX   XXXX , before repayment on my student loans was expected. Before the 6 months,  XXXX , tried to collect on the loans. I called to get an income driven deferment. The gentleman I spoke to around  XXXX   XXXX  on the phone did the application. I qualified for an income deferment. I asked for a year deferment, which according to the Department of Education when I spoke to them, I should 've been given. The man from  XXXX  who did my application refused to give me a year, he would only give me 6 months even though I asked multiple times for a year. He also gave me false information regarding the deferment process and said that I could only defer my loans once which is a lie. I was forced into taking a 6 month deferment. Which when speaking with  XXXX  on  XXXX   XXXX  of  XXXX , he gave me an income deferment, he gave me a 6 month forbearance. 6 months from the time my loans were " deferred '' would 've been until  XXXX .  XXXX  would 've been able to start collecting on my loans in  XXXX   XXXX  which is when I called in next. When I called in next I was told that my loans were in default, some were 30 days past due and some were 80 days past due. I said, " if I deferred all of my loans they would 've been deferred at the same time which would mean that they 'd have the same dates due. ''  XXXX  could n't explain how there was a difference in my " past due '' time frames. They would n't help me get my deferment issue figured out, and I was hung up on.  XXXX  has given me false information, forced me into deferments that I did n't want, calculated interest when none should 've been calculated, and have tried to collect on my student loans when legally they had no grounds to. To add, navient has not only done the above but has reported me delinquent to credit agencies destroying my credit when they have given me false information and tried to collect when they should n't have and legally were n't able to do so. They have also called my phone when I specifically gave them information NOT to call and gave very specific terms on how to get ahold of me via text.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-19
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc. (TX)

back in 2018 I was unemployed and had reached out to the company about an administrative forbearance. they sent me the paperwork to fill out and I had sent it back and they claimed they had never recieved the paperwork and in return they had reported my account as negative for 3 months. I have been calling and sending good will letters for the past 2 years and have made payments on time for the past 2 years without missing a payment and the company refuses to do anything. I have tried to speak with several account managers about this and they tell me that they can't do anything but keep calling me demanding payment in full in exchange for them to consider redacting the information they had reported. this information on my credit report is detrimental to my credit report and I have sent several letters to all three credit monitoring agencies disputing this information and the reporting agency to no avail. I am now at risk of bankruptcy due to this negative information having a substantial impact on my credit report.
Consumer complaint received 2023-03-28
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. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2015-09-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I wish to file a complaint against OCWEN Mortgage for obviously stonewalling on my application to short sale my condominium located in XXXX, California. The required documentation had been filed in early XXXX 2015 by my Broker, XXXX XXXX, who obtained a buyer for my condo ; however, since then OCWEN had been trying to delay actions by asking for updates and other requirements that have already been submitted. The latest is now they are asking for a resubmittal of documentations simply because they should be brought up to date. I believe OCWEN 's actions are highly suspect, to say the least, and needs to be investigated for any violation of law regarding to short sale transactions. Thank you.
Consumer complaint received 2015-09-18
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (OR)

HelloI would like to place a complaint againstDitech Financial llc. 
XXXX, PA. XXXXAfter receiving information from my prior complaint I need to expand it to include other parties. For reference previous case # XXXX. 
In XX/XX/XXXX I put an offer in of XXXX to purchase a short sale property at XXXX XXXX XXXX XXXX XXXX , OR. XXXX from XXXX XXXX XXXX. I Put earnest money down and had a pre approval with 20 % down. On XX/XX/XXXX XXXX XXXX XXXX countered with XXXX witch I immediately accepted and signed acceptance documents. On XX/XX/XXXX we were finally contacted and surprisingly met with another counter demanding XXXX dollars more for the property. Brining it to a total of XXXX. 
Unknown until my prior complaint XXXX XXXX XXXX had sold the lien to Greentree financial who has now merged with Ditech Mortgage Group. So as well as XXXX selling the property lien when they had an agreement with me I am finding that greentree / Ditech are being very unreasonable as well. My Realtor has sent a comparable analysis report for the area showing the inflated price is way out of line. I have photo documented the extensive damages and provided average repair costs. 
Both listing agent and my realtor have argued that this is unethical and unrealistic. But all this has been ignored by the lien holders involved. There has been little communication and no cooperation from the new lien holder Greentree / Ditech. I have read complaint after complaint about greentree / Ditech and do n't want to be just another complaint. I am looking for help on what can be done or I can do to make a difference. There is a number of properties in my area that have been vacant for years and now I understand why. 
Thank You for your timeXXXX XXXX
Consumer complaint received 2021-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER AND OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I HAVE MADE CRIMINAL COMPLAINT WITH FEDERAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2018-03-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Kentucky Higher Education Assistance Authority (FL)

I'm not sure if my issue is with private or Federal loans, bc I'm not getting straight answers and they have failed to show me that they can prove validity of the loans with MPN  or any other legal documentation showing where I was even told my loans were in default and my taxes were going to be offset. XXXX XXXX XXXX XXXX had my taxes offset last year and took {$6700.00} and even though I explained that I was experiencing severe financial hardship and was in a XX/XX/XXXXthat I had planned on escaping with my daughter that was XXXX with the money they took and I begged them to return it and asked what I needed to do to make that happen.i set up payment plan that day and emailed everything they asked for.never heard anything from them.the it's sent me a letter saying my offset was no longer in place so I called Kentucky higher education and told them about the letter I had received and asked when I could expect a reversal of the offset. They couldn't give me an answer.i was forced to continue to stay in the XXXX   situation bc of a terrible fall causing XXXX XXXX  the week prior to my offset and I couldn't go back to work.that fall alone should have showed severe hardship but it didn't I guess. Well in XX/XX/XXXX I was XXXX very badly and my XXXX   was XXXX and XXXX XXXX XXXX XXXX, XXXX and XXXX from head to toe.my daughter and I left and we're transit for a couple months under an order of protection from XXXX  and relocated to Florida. I called again to see if my situation warranted a reversal yet, the answer was no. They claim they didn't receive my paperwork, omg I have emails to prove it.i was forced to reconsolidate inXX/XX/XXXX to avoid my wages being garnished and my XXXX license taken due to default. I got a letter from Kentucky higher education after calling them asking why my credit report didn't show a payment for the XXXX that they took and why were they still showing me making payments on time when I was under a payment plan that they set up and got automatic drafts so I know they were paid on time.they gave me some crazy excuse and said that if I continue to fight for the money I lost with the offset that they would put me back in default bc they would sue me for that money if they were forced to refund it, bc once I consolidated and my loans were paid off, it didn't cover the money already credited, but had they returned it to me like they should have prior to the consolidation, the new loan would have covered all of it. And the loan in question is a loan from XX/XX/XXXX-XX/XX/XXXX but they show a XX/XX/XXXX date and I didn't reconsolidate or anything then. But that's around the time they claim default but my credit report shows of me making payments to them up until they took my money. So none of it makes sense but I think they fraudulently took my money and failed to return it causing me to suffer even more.
Consumer complaint received 2020-10-19
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: EQUIFAX, INC. (KS)

I have 2 credit cards that credit one has failed to report to all 3 major credit bureaus that I have paid each month. For over a year I have been paying my two credit one cards, they take my money but fail to report to XXXX  and XXXX  and they have not updated equifax since XX/XX/2019.
Consumer complaint received 2015-07-29
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I did not give permissable authorization for XXXX XXXX to request my credit report for a vehicle loan nor did I need or apply for financing from Capital One Auto Finance. The actions taken by this company is fraudlent and I hereby warn and give orders to remove their inquiries from my consumer credit reports. No where did I sign application or ask for a single dollar from this affliation.
Consumer complaint received 2024-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (ID)

After over a year of trying to get information about why my loans were not forgiven under the limited PLSF, I filed a complaint with the CFPB. Yesterday, I finally received a response, which stated " Please note, the PSLF limited waiver ended on XX/XX/XXXX. In order to be eligible for the PSLF limited waiver, you must have applied for PSLF while having eligible loans. If you did not have any eligible loan types at the time of the submission of your application, you must have applied for a Direct Consolidation Loan on or before XX/XX/XXXX, to be eligible for qualifying payment count evaluation under the PSLF limited waiver. As a result of your XX/XX/XXXX consolidation, your qualifying payment periods have temporarily reset as FSA evaluates your underlying loan history under the above criteria for PSLF. '' This information is inaccurate -- I filed for a direct consolidation loan on XX/XX/XXXX with Mohela ( please see email confirmation attached ). I submitted all of my qualifying employment before the XXXX XXXX ( see print screen of my DOE account page ) and received confirmation from Mohela that they were working on my PLSF request on XX/XX/XXXX, before the date at which they are claiming I filed for consolidation. They need to correct this error and evaluate me under limited PLSF.