davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

My house was in foreclosure with OCWEN FILE # XXXX After many months of negotiating we were unable to come up with a solution to save my home. The bank was not helpful ; at all. They proceeded to foreclosure. I was assured in writing by Ocwen that i would not be responsible for any deficiencies and I would not receive a XXXX, I did not agree for the bank to cancel the debt. However, they forwarded me a XXXX for {$83000.00}. The bank essentially fraudulently caused me to foreclose. I want the XXXX rescinded and i am seeking reimbursement for the inconvenience this has caused me.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

XXXX, XXXX XXXX, and Equifax has failed to provide the method of verification for the XXXX XXXX XXXX account reporting on my credit report. I have written XXXX numerous letters request and verification methods. However as of today no method or proof of verification has been given by XXXX nor XXXX XXXX  XXXX. As a result of this inaccurate reporting my credit score has dropped tremendously and it has caused me to be denied credit by several different companies. 
Furthermore I feel that experience is not providing their method of verification because they are using secondary credit reporting agencies that they own. The use of such is a complete conflict of interest and violation of all FCRA Laws. 
Please inaccurate reportings are causing harm stress and unnecessary financial burdens on me due to my current utilities, insurance, and other necessity bills are based on my credit worthiness and report. Especially insurance I'll pay all your premium because of my credit report.
Consumer complaint received 2021-08-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (CA)

On XX/XX/21 I complaint about Transworld violating any grace period and immediately reporting meeical debt to the credit. At any moment I ask for validation of debt which they keep sending validation papers with personal information from my minor daughter without my hyppa release forms
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have reviewed a copy of my credit report and I show company XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2018-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I wrote a letter to Transunion seeking the information used to validate the following Debut reporting on credit report ( XXXX XXXX ). I received a copy of my credit report stating the investigation has concluded and that the debut is valid. Id like to remind Transunion that along with the letter I sent my XXXX which as an XXXX XXXX service member shows my entry and exits to the the UNITED STATES OF AMERICA. i only recently returned in XX/XX/XXXX. The date reported as opened is XX/XX/XXXX which is impossible as I wasn't present in the USA. Secondly, I havent received anything the validates this debut yet you are continuing to report this fraudulent account. Send billing history doesnt constitute as validating the debut. As you know with fraud the account is placed in another persons name. Where is the signed contract with XXXX XXXX, Where is the reason the amount is owed. Also, I subpoena the Tax transcripts for XXXX XXXX  the account was listed as a profit loss and there for the company was given tax deduction brakes according to the law. This debut isnt mine and doesnt belong to me I want it removed. As you are in violation of the Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act and causing defamation of character.
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I noticed several unauthorized inquiries ( attachments included ) on my credit report. I have sent several letters to the credit bureaus regarding these inquiries. Equifax is the only bureau that has refused to remove these fraudulent inquiries from my credit report. I called them after waiting over 45 days after my written disputes & requests & was advised by a very rude representative that there was nothing he could do & that he did not care if I filed a CFPB complaint.
Consumer complaint received 2018-02-05
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. (FL)

This is my second complaint for the same issue. The first resolution is the incorrect data was supposed to be corrected. I even received correspondence from Equifax that it would be removed. However, Equifax is still reporting XXXX XXXX as having a balance owed. This account was paid off XX/XX/2017. XXXX correctly reports a XXXX balance. 

I need this resolved.
Consumer complaint received 2018-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

A XXXX XXXX XXXX XXXX XXXX XXXX was closed on XX/XX/2017. This card had a maximum line of {$500.00} and was closed " due to delinquency of payment ''. The statements were, in the months before closure, being mailed to my daughter 's address in Utah, where she had moved to attend school. While there she became XXXX and admitted for an extended period of time. Because of this unfortunate event, the statements apparently went unheeded as she lived alone. As the statements were being sent to a different address than mine ( in the XXXX area ), I was unaware of the issue. 

After a period of non-payment, I was finally notified of the delinquency by a member of the XXXX XXXX 's Collection team, whereupon I IMMEDIATELY visited our local branch in XXXX, IL and discussed this with my personal banker. He and I then contacted the XXXX XXXX credit card department and discovered that the card was in fact closed with an outstanding balance including late fees coming to a total of {$480.00}. I IMMEDIATELY authorized a payment over the phone to satisfy the outstanding balance and all fees. As a co-signee I feel the bank had an obligation to let ME know the account was overdo BEFORE the card was closed and before this situation was reported. 

As a result of this situation my credit rating has gone from close to XXXX down to the low XXXX 's and I feel that I should not be so penalized. Expediency in this matter is important because I am currently in the process of attempting to procure pre-approval for a new home mortgage.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I have a couple accounts with Capital One that I have, One is a regular card and the other is with Cabelas. I never had issues with the credit cards and I actually really enjoy the perks and really prefer Capital One. During the time of the lates I was XXXX XXXX and didn't have anyone to help me while I was in and out of the hospital. I never intended to be late on the account but quite literally could not make those payments and I got current as soon as I could.
Consumer complaint received 2021-09-20
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: Nelnet, Inc. (VA)

Great Lakes reached out to me directly via telephone Employee : XXXX XXXX XXXX to inform me that she CAN NOT in fact verify the debt I allegedly owe because the School in in question has since closed. That the school closed because of unethical business practices. Great lakes has NO proof that I attended this school, no signatures from me showing proof, and no way to verify this debt. 

I sent Great Lakes an Affidavit of Facts letter ( attached ) and there was no response to remedy this situation.
Consumer complaint received 2018-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

There was an affidavit previously filed under number XXXX. The dispute was closed after CHASE responded with unfactual statements. In CHASE 's response they ensure that the form was filled out incorrectly. 

On the form, the name and period of time was complete. The remaining 2 parts of the form were the signature and certification of signature by the banker who should have done the medallion stamp. The signature should not be signed until in front of the banker who has to see you sign the document before stamping it. 

The banker said that they could not do that form at all. She did not say that her back office told her that the form was filled out wrong. I can prove this as I have the conversation recorded. 

I am not at all pleased with how this has been handled. XXXX XXXX was well aware of what she said and should be held accountable. I would also like to proceed with getting a medallion stamp now that CHASE has finally admitted in writing that they DO stamp the Treasury Direct FS Form 0385.
Consumer complaint received 2021-08-17
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. (FL)

XXXX XXXX has placed my credit report in their special handling department. I would assume that because I am a victim of identity theft they placed it there. I have sent FTC & Police Reports to XXXX XXXX, Equifax, and XXXX. All three major companies fail to comply with the FCRA. The FCRA 605B states that upon receiving FTC or Police reports they are required to block the fraudulent trade lines within 5 days. They are disputing the trade lines over again 30 days wait and are not concerned about the FCRA. I am in the process of getting legal help before I do I wanted this last attempt to be documented with CFPB so that it looks excellent for my case.
Consumer complaint received 2018-02-05
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: AMERICAN EXPRESS COMPANY (NJ)

I applied for 2 simply cash credit card from XXXX XXXX XXXX XX/XX/XXXX, based on their online offer ( pic attached ) to earn up to {$200.00} if spend {$5000.00} in the first 6 month and {$200.00} more if we spend {$10000.00}. 
One card i spent {$11000.00} till today The second card {$10000.00} till today I am now entitled for my cash back reward in both cards. when i called last week XX/XX/XXXX to follow up on my cash back they told me u r not entitled for any since u had old account and u are not new customer. 
this offer is never advertised for ONLY new customers. not a single line in the details says for ONLY new customers. 


the XXXX card numbers : XXXX XXXX
Consumer complaint received 2021-10-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (CA)

I bought a house in 2020, XXXX with a mortgage {$320000.00} from the quicken loan company. At the very bagging of the pandemic, my wife lost the job. Then I apply for the forbearance plan and the Rocket mortgage has approved and it has been extended up to XXXX XXXX of this year. 

On XX/XX/XXXX, I called Rocket mortgage and asked some questions regarding my payments. They offered me a loan modification plan with hidden conditions basically the interest rate and the years of the mortgage period. 

After receiving the notice of the loan modification, I get to know that the hidden conditions. Then I called them to withdraw the modification plan because of the unreasonable hidden conditions. But they refused to allow to withdraw my consent. 

Then XXXX complaint against them to the CFPB and the complaint # XXXX. After complaining and couple of days later, one of the executing officer called me and agreed to withdraw the earlier unreasonable loan modification plan and I requested a loan deferral plan which is enable to settle the default amount at the end of the mortgage or when I sell the property. I am legally entitled and qualify for the loan deferrals program. 
Finally both parties agreed to those plan and they calculated the monthly mortgage payment for {$2000.00} per month for 5 years. The regular mortgage payment is {$1900.00} per month but they said that they need to recover my property taxes and the property insurances that I defaulted with the forbearance plan. I agreed and they calculated {$2000.00} per monthly payment and later they send me as XXXX. They sent me the notice and I it says that there are no any change the other conditions of the original mortgage agreement. 

I am complaining now because of the following two reasons. 

1 ) They increased my loan balance in {$21000.00}. Because I borrowed only {$320000.00}. Now they show me in my account {$340000.00}. How they have increased this loan amount {$320.00}, XXXX up to {$340.00}, XXXX. 

2 ) They have double charged property tax and the property insurance payment for the forbearance period. Because already calculated default payment included the property taxes and the property insurance. But They have added to the defaulted forbearance period t property taxes and the property insurance to the current monthly instalment. That is the reason I have to pay {$2000.00} instead of {$1900.00}. 

I agreed with loan deferral plan. Please make an investigation regarding above two things
Consumer complaint received 2018-02-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Credit Bureau of Jonesboro, Inc. (AR)

I tried repeatedly to contact the collection agency about this debt. They never would call me back or work with me to settle or figure out if this debt is legitimate. The name of the collection agency is XXXX XXXX   XXXX. The original creditor is listed as XXXX XXXX. The debt was supposedly opened on XX/XX/2014. The balance is {$310.00}, I have no knowledge of this supposed debt, and question whether this is a legitimate debt, and company, being as they didn't want to resolve the issue when contacted nor have any contact back with me as stated on the phone. My personal information was taken but company made no effort or attempt to resolve the issues of the unknown debts, that were reporting on my credit report.
Consumer complaint received 2021-08-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (AZ)

I have tried multiple times to figure out why the business claims that I have missed a mortgage payment, but no one at the business has provided information on what monthly payment was missed and where my payment went. I have sent in my bank statements with the corresponding statements, showing proof that I have made all payments due ( to current ) and no one has resolved this issue or will call me back with answers. They continue to respond leaving my the same contact information that leads nowhere. The same issue occurred last year and the resolve ended up with the business owing me money.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

Hello, I reviewed A copy of my credit report and it shows an account XXXX XXXX XXXX is not current with a balance of XXXX as of XX/XX/2021. This is a violation of The FDCPA if a charge off or collection account is reported with a balance.
Consumer complaint received 2018-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

We recently sent a letter to XXXX and Trans Union, asking them to investigate errors on our credit report. They are supposed to respond within 30 days, but they have not. We are attaching a copy of the letter that we sent to them.
Consumer complaint received 2022-01-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency (CA)

I checked my credit report and discovered I had an ambulance collection for {$620.00} that does not belong to me. I sent the company listed a debt validation letter which they received XX/XX/XXXX of 2021 through XXXX. In the debt validation letter I outlined and asked for proof that this debt belonged to me. In return later in XXXX, 2021 I received a letter from the company simply just stating that the debt belonged to me but without providing any proof that it belonged to me.
Consumer complaint received 2021-09-20
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. (FL)

I had an account with XXXX XXXX XXXX in XXXX and is was paid and closed in XX/XX/XXXX but they still reporting since XXXX late payments what is not even true because the account is paid in full since XXXX
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I contacted XXXX XXXX credit card XXXX to report a Fraud on my account. After reporting fraud and requesting a new card, I noticed on their website that they updated my balance to zero. 

They closed my account, deleted all credit statements from my online profile, and reported, without my knowledge, a high balance on my card to three credit bureaus. 

The negligent and incorrect reporting affected my credit score and damaged my credit reputation. This erroneous action and the confusing online portal harmed my credit. 

This message serves as a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 Sec. 809 ( b ) that your reporting to credit bureaus is disputed validation, before reporting you MUST validate charges. 

The law is clear regarding the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend to pursue litigation in this matter to enforce my rights under the FCRA. 

I demand the immediate correction of the information posted in three credit bureaus.
Consumer complaint received 2021-05-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

To whom it may concern, My mortgage payment in XXXX was about {$1500.00} per month. XXXX it was dropped to {$1400.00}, but starting in XX/XX/XXXX my mortgage will be $ 1,627.The mortgage company failed to inform me of 2 times the property tax increase. XXXX XXXX of XXXX XXXX only assessed my property {$4000.00} more in XX/XX/XXXX. Now that they underestimated the monthly amount to put into escrow to cover taxes and insurance, they say that it is not there fault and I should pay for their mistake. In addi they still take the same {$330.00} a month for escrow taxes and insurance to this day knowing this will still put me in the negative next year. This big corporation with all these accountants didn't realize that this would be an issue? Please inform them that I should not be responsible for their mistakes. 

RegardsXXXX XXXX
Consumer complaint received 2023-07-27
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-17
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: National Credit Adjusters, LLC (CA)

I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.