davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-10
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: EQUIFAX, INC. (CA)

I applied to get pre-approved for a home loan, and on XX/XX/XXXX I was told that the lender was unable to get my credit score from Equifax ( XXXX and XXXX had my score available with no issues ). I called them and emailed them and was eventually told to fax them documents with my information which after some difficulty with their fax system I faxed them the requested documents along with a cover letter on XX/XX/XXXX. I emailed and called them later when I didn't hear from them and they told me to contact my credit card company. I contacted my credit card company and asked them to look into it and I found out about a month later that Equifax needed some documents from me. So I called Equifax again and faxed my documents again with a new cover letter on XX/XX/XXXX. I called them repeatedly to see if they had received my fax but as of today, XX/XX/XXXX, nothing has changed even though they said it would take 5 to 7 days. Their only suggestion was to wait 30 days for a response that I really don't believe will ever arrive.
Consumer complaint received 2019-08-16
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. (TN)

I have been through the process of buying a home for the past 3 months since XX/XX/XXXX. My lender had me call equifax in XX/XX/2019 and dispute an item that didnt belong to me. Well I did and some guy there disputed everything on my credit instead of just the 1 item which was a medical bill. Ive been trying to correct his mistake for the past 3 months. Everytime I think theyre about to fix something theyve messed something else up. My credit has been punished by their mistakes and Im suffering for this. I have kids and a fianc depending on me. My credit is being ruined by this company!!! Im scared they have put my family and I in a position that could ruin our lives!
Consumer complaint received 2019-08-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OR)

We had a loan with OCWEN which was a nightmare and they transferred to PHH- can not believe its worse. The website is very slow to load, if it does at all. There appears to be conflicts in mailing addresses, and if it finally loads and you can get to where to make a payment it comes up with sorry, not now. As I said, unclear where to send a payment. I just setup an auto deduct and when finished says will start XX/XX/XXXX, not XXXX And I set it up for XXXX, just to try to get it paid. 

All this because Ive spent hours and hours and three months trying to get my loan PAID OFF. About three weeks ago I finally found and faxed the form to request the payoff amount and closure of line of credit. Nothing back. I am terrified that even if I can ever get them to take the money I will never get the lien removed. 

My husband and I are both XXXX seniors, he is a XXXX era veteran. To spend all summer spinning wheels and going nowhere for something that seems like it should be so simple ( give me the amount, how you want it sent and clear the HELOC ). 

Ive even talked with a couple of lenders thinking I may have to take out another loan to get out of this so I can pay that off to get clear-but that just doesnt see right.
Consumer complaint received 2018-06-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (TX)

Submitted loan modification with Bayview Loan Servicing. Prior to Bayview 's decision regarding the loan modification I was contacted by a law firm that my home was scheduled for foreclosure sale on XX/XX/2018. Bayview through deception processed my loan modification with no formal decision and proceeded to push my home through foreclosure proceedings.
Consumer complaint received 2019-08-09
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. (MS)

I opened an account with XXXX XXXX on XX/XX/XXXX with repayment terms of {$28.00} per month interest free for six years. My account is managed by XXXX XXXX XXXX XXXX. I make my payments via https : XXXX. I have made all my payments either on time or in advance except for XX/XX/XXXX which was two days late. I can document all of these payments. 

I was pre-approved for a home loan by XXXX XX/XX/XXXX of XXXX, TN on XX/XX/XXXX. My credit score was well above the required 620. I was set to close on a home on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX reported to all three credit bureaus that I was 60-90 days late and demanded {$240.00}. in late fees. My score plummeted 100 points. Since I had already paid {$1000.00}. in earnest money, {$350.00}. for an home inspection, and {$400.00}. for an appraisal, I paid the {$240.00}. in an attempt to recover my score. It didn't work. I lost the home. Now I'm stuck indefinitely paying outrageous amounts ( approximately XXXX XXXX./mo. {$600.00}. more than my house payment would have been ) to  keep my things in storage and live in temporary housing.
Consumer complaint received 2021-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

To whom this company This company has lied on XXXX stated they placed my name in collections I've talked to XXXX they stated this is a fraudulent collection agency .. they have no right to be sending collections letters to me. The company name that sending me collections letters { WWW.ICSYSTEM.COM.COM }. location. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX. # XXXX reference # XXXX {$310.00} the amount the are placing on my credit file.
Consumer complaint received 2021-07-13
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: FORD MOTOR CREDIT CO. (TX)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (RI)

XXXX XXXX  tried to tell me the there was a debt from a credit card that i owed and that they will sue me and take me to court if i dont resolve it asap. they told me information that was wrong about my account and gave me wrong dates that did not apply to me. I have already made a payment arrangement with a debt collector that i know is ledgit and am working with them. they took my debit card information ( i have since cancelled it and got a new one ) and also put a stop payment on the account so they can not charge it. i reported it to the XXXX XXXX XXXX  as well.
Consumer complaint received 2019-08-10
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. (MO)

The following account is not mines please remove and block, the account should not be reporting on my file. Please investigate and remove. I'm also demanding the Method of Verification used in this instant matter. Please remove this account. 

1 ) XXXX XXXX
Consumer complaint received 2024-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

A mutual from a friend asked me for a favor of XXXX, I thought okay hes friend of my friend, so I didnt think of anything bad of it. So I gave him XXXX through cash app, he said XXXX send it back but then he ignored me for days and then blocked me. I tried disputing with cash app and my bank but theyre both useless. Please help!
Consumer complaint received 2020-11-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Consumers Inc (FL)

I attempted to contact the company on XX/XX/2020 about the account in collections and they did not have anyone available that day to take my call This company is attempting to collect a debt for a medical expense that was paid by the insurance all-ready The only thing I was required to pay was a copay which I paid for in office.This company is attempting to collect {$220.00} for a service that was allready paid for by insurance over a year ago I disputed this on my XXXX XXXX and it was removed this company failed to remove it from the XXXX XXXX credit report.What this company is doing is fraud and if this debt is not removed I will take legal action for all the pain and suffering this company has cause me it has caused me to become extremely anxious and stressed and I can not sleep at night due to this companys actions this company is breaking the law. This is an invalid debt they have put in collections on my credit report I have reported this to the XXXX XXXX and disputed with the XXXX XXXX and it was removed they have yet to update XXXX  and have not removed the invalid account off my XXXX  which is illegal in Florida.remove the account off of my XXXX  credit or I promise I will Pursue legal action against this company please advise them of this.This was a for a doctor I saw but my insurance covered it and I had valid insurance at the time this was over a year ago I saw this doctor my medical insurance covered the cost of this and I paid my copay.They have allready removed it from the XXXX XXXX which is an admit that this is invalid and proves that this company attempted to charge me for something that was allready paid for which is fraud.Please remove or I will sue! 
I have allready contacted XXXX  and submitted dispute aswell. 
The company has admited that this was a mistake as they have removed the collection account off of my XXXX XXXX yet the have failed to follow laws and remove it off of XXXX  Also they have yet no notify me verbally or write to me to inform me of this debt
Consumer complaint received 2022-04-27
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. (TX)

I am a victim of identity theft fraud. A non-close family member used my information to open up credit accounts when I was younger. Upon Checking my credit reports this year, I come to find out that those open accounts were charged off and never paid by the thief. These accounts are now hurting my credit score and hurting me financially to start up my future. The following accounts were the ones affected by identity theft. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX All of these accounts were not open by me and are still on my report. 

I have attached the FTC identity theft report
Consumer complaint received 2019-08-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Associates is illegally re aging an account which I have disputed and do not claim ownership of on my XXXX Credit Report in violation of FCRA Section 623 ( 5 ) (  A ). They have not validated any of my disputes yet on my XXXX Credit Report it shows an collection account as " current ''. 

They have never validated the alleged debt of which I disputed twice, not provided who the alleged Original Creditor was, nor have provided a history of activity on that account to validate the status. 

It appears on XX/XX/2016 on my XXXX credit report was the date this disputed account was opened. However at no time has the disputed account been validated, nor has the status as " current '' been validated with evidence of any activity from me. 

I am requesting that Portfolio Recovery Associates validate the information including providing who the alleged Original Creditor was and provide information validating the information under the FCRA. 

If they can not validate the information then I am requesting deletion from my credit report.
Consumer complaint received 2021-12-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

2 weeks ago I received a letter from a debt collector company, called " ASSET ACCEPTANCE , LLC '' The letter indicated that, I have a debt collection from XXXX bank for amount of XXXX dollars. I never had a chase bank credite card in my life, I always applied but have never got approved. That was so scatchy so I called the company and told my situation. They told me the account was opened XX/XX/XXXX and the person whoever opened the account had my SSN, they stop paying the payments in XX/XX/XXXX then in XX/XX/XXXX judgement was applied to the account. The person who ever was using the credit card started to make payments on that judgement but in XXXX payments were stopped. There were no payments after XXXX until the ASSET ACCEPTANCE , LLC found me 2 weeks ago. Now they want me to pay the balance of XXXX dollars. 

Even though I was in the United States between XXXX to XXXX, I did not own any credit card from XXXX Bank ever. I left the country XX/XX/XXXX and never returned till XXXX XXXX. I wasn't even in United States when the judgement applied to this chase account or when the payments were made til XXXX. 

After talk to the person in charge of my collection she told me to get a police report and fraud affidavit and she told me to use this web site to get the affidavit. 

I do not know who opened the account or made payment till XXXX but it was not me. As I mentioned I applied for XXXX XXXX XXXX XXXX  many times and never get approved and s I stopped applying. This is not my account or debt.
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

My personal checking account information : JP Morgan Chase XXXX Routing # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX This account has been closed by the bank on XX/XX/2022, with no reason and with a balance {$74000.00}. The bank Promised me that they will send the cashier check to me within 3 months, but I have not received the check yet until today evening I called the bank to complain about 5 times. 
I am waiting for the money painfully and helplessly.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX, Experian and XXXX has criminally turned a blind eye on MULTIPLE occasions even AFTER I have provided COURT DOCUMENTS stating no such accounts exist and NO monies are owed! Including but not limited to UNREBUTTED affidavits of truth submitted to the alleged " original creditors '' to which they did not respond accordingly via affidavit of truth. There is no substance, truth or first-hand knowledge to such alleged accounts, and are elaborate mechanisms fueled by conspiring ( kickbacks ) with original creditors to funnel credits back and forth at the expense of the unsuspecting consumer and FULLY BENEFITING THE CONSUMER REPORTING AGENCIES ( which are not even real BUREAUS ), they are impersonating federal agencies through deceptive and clever means of the companies purpose. These fraudulent accounts have been enforced through deception and negligent reporting. Consumer reporting agencies have NO PROBABLE EVIDENCE ; NO PERMISSIBLE PURPOSE ; NO WRITTEN CONSENT and HAVE VIOLATED MY RIGHTS FOR YEARS!

Court documents & affidavits have been sent via The United States Postal Service as witnesses over to the alleged " original creditors '' in regards to the questionable validity of these fraudulent accounts and have been denied FULL DISCLOSURE AND PROBAbLE EVIDENCE. I have sent a final demand for compliance to Transunions legal department demanding they provide probable evidence, contracts, security agreements, tradelines ; any and ALL and FULL DISCLOSURE/FULL ACCOUNTING/LEDGERS/TAX FORMS AND INSURANCE POLICIES pertaining to XXXX  : XXXX.
Consumer complaint received 2021-07-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Adjustment Service, Inc. (MS)

on XX/XX/2021, i sent MERCHANTS ADJUSTMENT SERVICE, INC my second letter regarding the alleged debts of {$100.00} and {$150.00} that i don't owe. i haven't received anything from the last letters as well from XX/XX/2021 XXXX # XXXX XXXX XXXX XXXX XXXX. I would like for it to be delete it from my credit report.
Consumer complaint received 2019-08-16
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)

I was stationed overseas and experienced identity theft, two credit cards were opened on my name. One from XXXX XXXX and One from XXXX, I have never done any interactions with either bank before this issue occurred. The purchases and use of card was done in the US while I was overseas. I have attempted to resolve this with the companies but since I had no information other than my name and social they couldn't help me. I have disputed this charges through the credit bureus and Federal Trade Commission. I would appreciate all the help I can get, these cards have ruined my credit score, I have never missed payments in the past and now.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-12-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TN)

Company has failed to refund escrow balance past 20 days. Currently sitting at XXXX days with no escrow refund check, company has been vague, ignored, and been misleading as to when/if they will reissue. 

XXXX rep XXXX XXXX was particularly misleading and stated the company is under no obligation to meet any regulatory timeline to refund.
Consumer complaint received 2020-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MN)

My current problem is that Specialized Loan Servicing, LLC, the company servicing my mortgage, can not account for {$1200.00} of funds that I paid to them in XXXX of XXXX. They collected {$3200.00} in total for the escrow account on my loan in the year XXXX. On XX/XX/XXXX the escrow account paid {$1900.00} in taxes for the year XXXX. There are no other disbursements that they can account for as of XX/XX/XXXX. My current escrow balance is {$38.00}. I paid my homeowners insurance out of pocket until XX/XX/XXXX when I informed my carrier, XXXX XXXX, that my insurance would be paid by escrow moving forward. On XX/XX/XXXX my policy lapsed and I am having to pay out of pocket again because SLS ( mortgage company ) did not pay the premium from the escrow account. I have talked to two supervisors at SLS, both of whom can not explain or account for the missing {$1200.00} in funds that should have gone to pay my homeowners insurance. XX/XX/XXXX Supervisor XXXX, teller id # XXXX, told me she could not account for the funds and that an escrow analysis won't be completed until XX/XX/XXXX, one year from when they received the loan. She said she would look into the situation and discuss with her peer, Supervisor XXXX, teller id # XXXX and call me back. She has not called me back as of XX/XX/XXXX. I spoke with Supervisor XXXX on XX/XX/XXXX, he too said he would look into the situation and call me back the next day whether he had an answer or not, simply to keep lines of communication open. I have not heard from XXXX, either. I will attach files that are screenshots of the account information I have available to me. It shows the escrow balance of {$38.00}, shows that they have my insurance information and have not paid the provider, it'll show that I have no escrow analysis to access and no accounting of the funds I have paid into SLS. 
My mortgage payment increased 50 % in XXXX from $ XXXX   monthly to $ XXXX monthly. XXXX  XXXX XXXX opened the escrow account without providing proper 60 and 30 day notices, according to XXXX XXXX of XXXX  XXXX XXXX, his business callback number is XXXX. In XXXX XXXX XXXX XXXX sold my loan to SLS because my account was delinquent from me paying only $ XXXX monthly and trying to get my questions answered from XXXX  XXXX XXXX. 
XX/XX/XXXX I spoke with XXXX  XXXX XXXX manager XXXX XXXX, phone XXXX. He said a VP was supposed to call me back in 24-48 hours to answer my questions. I never received a call from XXXX  XXXX XXXX and XXXX never returned the multiple voicemails I left after this date. 
XX/XX/XXXX I spoke with XXXX XXXX and didn't hear from him again either. 
XX/XX/XXXX I paid SLS a total of {$3400.00} to make my account with them current and no longer delinquent.