davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-24
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MO)

Ocwen   XXXX  I was told they many time that they sent information to there legal department to pay them I had s ent Ocwen documents Check Stud, Tax and banking documents via fax without any success Owens the n keep telling me that they did not get those documents for months Then I had contacted  XXXX   XXXX   XXXX   XXXX  to send those documents via fax they said that they did not get those documents Then I had co ntacted my VA REP to send those documents after about four days Ocwen  sent me a Mod Pack It about that time I got feed up with  Owen I contac ted a third-party for help The fresh  Start Ocwen an told that they The Fresh Start would be my th ird day contact  XXXX   XXXX   XXXX   XXXX   deman letter *Specific QWR was sent to Owen with they dismissed it by Ocwen ( Request every aspect of the loan transactions ) Real State Settlement Procedures Act Ocwen still have not resond with any answ er to the  XXXX  Demand document or the QWR  XXXX  -  XXXX   XXXX   XXXX   XXXX    Service- Connection M issouri non Judical forcloser CFPB Case number  XXXX
Consumer complaint received 2017-04-24
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. (TX)

I have mailed a multiple inquiry removal letter on  XXXX / XXXX / XXXX  in order to dispute information on all  XXXX  credit reports. in regards the hard inquiries that are being reported on my credit reports. The request i submitted included hard inquiries that are not factual and i recieved the same response for ALL inquiries, which stated all inquiries are factual record of file access. If you believe this was unathorized contact creditor. According to FCRA Rules, FCRA  623 ( B ) ( 2 ) AND 611 ( A ) ( 1 ) it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the   XXXX   XXXX    delete disputed information from its files. The fact that i recieved a response 4 days later one can only assume there was no investigation, I am submitting this complaint due to lack of investigation. This is unfair pratices by the credit reporting agencies with no concern for the consumer credit worthiness.     these are the disputed inquiries   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   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    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 2024-03-22
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (PA)

Put in several disputes. Call the company and the debt is owed to a company that no longer exists. XXXX closed XXXX of XXXX. This third-party collection company has a date of XX/XX/XXXX. They refused to put a human on the phone and have not sent any of the paperwork that I requested. The company is called Jefferson Capitol. This had been removed last year from my XXXX XXXX credit report. It now seems like a scam.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX XXXX XXXX  is reporting a debt on my credit file. I was not given the proper protocol. I received no phone calls and, no letter, no notice at all until I checked my credit file. I immediately called and paid it off. However, they are in violation of my 30 day right to dispute for adding this to my credit file without any notice. I mean this collection debt is years old and they never send me anything. When I called them, they had no idea how they didn't send any notices to me.
Consumer complaint received 2018-03-21
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I am writing today in hopes to obtain your help. Currently I am working on reviewing my credit, paying down my balances, and working toward better credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 days late to the credit bureaus ( XXXX XXXX and XXXX  ) on XX/XX/2017 and I am writing to get this remark retracted. I had believe I had made all my payments on time, the only I could think of, is that my statement didn't get to me in time.
Consumer complaint received 2018-03-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

I was actually attending the XXXX XXXX XXXX XXXX XXXX in XXXX Pennsylvania, But this school is not available on the list and has been closed. The dean was caught embezzling money, this chain of schools has lost multiple lawsuits due to their predatory loan system. They have been caught colluding with XXXX XXXX to increase student loan debt and using things such as false placement rates and led students to believe that they would not be making poverty wages once being placed in a job in their field. I was also told by XXXX XXXX not to even pay them anything if I could not pay more than $ XXXXmonth because it would not cover interest, and then proceeded to double my loan amount in late fees and interest. I would like to know if I am eligible to participate in a class action lawsuit against the school or XXXX XXXXNavient for conspiring to trick students into paying near 44 % MORE to attend these schools to get out and make poverty wages with no benefits. This company is very predatory and has hurt myself and many other students.
Consumer complaint received 2022-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (FL)

On XX/XX/XXXX I received a letter from Professional Debt Mediation , Inc ( XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ) stating that they are debt collection agency, and they want to collect {$850.00} I allegedly owe to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX ). 

I replied them within 30 days ( on XX/XX/XXXX ) providing that I dispute this implication. I don't owe this amount to XXXX XXXX. I provided reference to lease agreement I had with XXXX XXXX, showing that charges they want to charge me are not based on the contract. All the lease payments, and also utilities, are paid in time ( and they're not disputing this ). They want to charge me for some cleaning, repair, carpet change, and other services, which I have no obligation to pay for. 

I also stated that there was no proof of move-out inspection ( which must have been according to XXXX of the contract ), nor any proof showing that I agreed with those charges, or ordered such services. 

On XX/XX/XXXX I received another letter from Professional Debt Mediation. They just attached the lease contract and XXXX 's account ledger. They didn't answer or argue to any of my references to the contract, and didn't provide any proof that I owe this money to XXXX. 

On XX/XX/XXXX I replied them again, pointing out that ledger is just an internal document of XXXX, they may add whatever they want, and it proves nothing. I asked them again to provide any proof with reference to the contract or any other valid document ( service order, move-out inspection document ) proving the debt. 

They didn't do it, instead they sent me another letter, titled 'Debt Validation ', which haven't had any proof, or contract reference, or any relevant answer to my dispute. They just attached the ledger and the contract again. 

They sent the same letter recently again ( on XX/XX/XXXX ). I also found that they put that 'debt ' which they can't prove into Credit Bureaus XXXX harming my credit score.

So I not only have to waste my time and nerves to reply to those false accusations, I also suffer economical damage, as their false report harms my credit score.

Please help me dealing with them, as they're a big organization, sending templated letters, and trying to get money I don't owe without having any proof.
Consumer complaint received 2024-02-27
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. (MS)

I am writing to express my frustration and disappointment with the numerous attempts to correct the late open account associated with my account. Despite my repeated efforts to resolve this issue, it persists, causing significant inconvenience and concern. 

As a loyal customer, I expect timely and efficient resolution of any issues related to my account. The repeated failure to address this matter reflects poorly on your company 's commitment to customer service and satisfaction. 

I urge you to prioritize this issue and take immediate and effective action to correct the late open account. Additionally, I request a thorough review of your internal processes to identify the root cause of this recurring problem and implement measures to prevent similar occurrences in the future. 

Furthermore, I believe it is only fair to receive compensation for the inconvenience and stress caused by the prolonged delay in resolving this issue. I trust that you will address this matter promptly and provide me with a satisfactory resolution. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXXXXXX Balance : {$900.00}.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX Account XXXX : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over a year, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
Consumer complaint received 2019-02-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

I was notified about. Settlement opportunity during a class action lawsuit. When I call the wait times are extremely long or I get disconnected. There is a class action lawsuit suit filed against this company. I was not aware of this not did I receive documentation on this matter. I have been with this company since 2004 and I am seeking to find out more about this matter. I have noticed higher payments and rates that I am required to pay and I have not discussed anything additional with this company. Can someone please contact me at your earliest convenience about this matter. Thank you XXXX XXXX XXXX
Consumer complaint received 2022-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (FL)

In XX/XX/XXXX navient transferred my loans to XXXX. 

Navient verbally gave me the following information but it is not in my account. My concern is they are not being upfront about the 4 years of forbearance/defaults on my account. 

on XX/XX/XXXX at XXXX -poke to XXXX, ( employee id XXXX ), she provided the following information verbally. They are telling me that they transferred my account in XXXX which is not correct. 


XXXX XXXX XXXX school deferment XX/XX/XXXX XXXX XXXX, XXXX XXXX month grace period until XXXX XXXX XXXX 12 month forbearance XX/XX/XXXX XXXX XXXX XXXXpast due status - delinquency XX/XX/XXXX XXXX XXXX school deferment XX/XX/XXXX, XXXX XXXX XXXX XXXX months delinquency XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - delinquency - 1 month XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX, XXXX delinquency XX/XX/XXXX -XXXX  XXXX, XXXX forbearance XX/XX/XXXX XXXX XXXX XXXX delinquency XX/XX/XXXX XXXX XXXX XXXX status XX/XX/XXXX XXXX XXXX XXXX - in school deferment XX/XX/XXXX XXXX XXXX XXXX - delinquency XX/XX/XXXX - XX/XX/XXXX - repayment status -level standard payment ( can not confirm the amount ) XX/XX/XXXX - XX/XX/XXXX - delinquency XX/XX/XXXX XX/XX/XXXX XXXX admin forbearance XX/XX/XXXX XXXX XXXX XXXX - repayment status -standard XX/XX/XXXX XXXX XXXX XXXX - Admin forbearance - applied for consolidation XX/XX/XXXX XXXX NO RECORDS OF IT ( INCOME PAYMENT BASED BUT COULD NOT CONIFRM ) For 4 years i was in and out of forbearance and delinquent accounts, received hits on my credit report and not given any options until i was delinquent for 2 months.. I was never given an opportunity for an income based repayment plan until XXXX when loans were consolidated. Also, i have multiple private loans that were co signed by my father. No one knows how or when they were requested we have tried reaching out to Florida XXXX & XXXX for more information and have not been successful.
Consumer complaint received 2018-03-21
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Management Corporation (SC)

I took out a personnel loan using my car as collateral. Well for I while I was making payments pretty much on time with once in a while being late. Which is technically my fault. Then I started making payments again on time. Well then in last few months a had some finical problems come up, car breaking down, getting sick and being out of work. I informed XXXX of this and told her ( Manager ) that I was doing a mortgage on my home and was gon na pay them as soon as all that was taken care of. The manager of XXXX XXXX keep calling and kept calling sometimes five or six times a day. It got so bad that I refused to take any more calls. That I understand, but when you tell them that you waiting on your closing date and that when that happens they will get their payoff, the phone calls should not be coming in at five to six times a day. The last payoff I got one of the clerks in the office said that if payment was not received by the end of this month legal actions will be taken. This happened on the XXXX of XX/XX/2018. Well this past Monday there was a legal document brought to me by a neighbor who said it was dropped off at their house by mistake. I called XXXX XXXX and told XXXX whom works there that they will receive the check for pay off Monday XXXX XX/XX/2018. I asked who delivers the court papers and XXXX said that they have a third party that delivers it. My concern is that my personal information was on this form and what right do they have to give papers to someone and they aren't even checking too make sure that person is the right person. I don't care about the phone calls but to leave court papers with someone other than me is beyond me. I know that all this could have been avoided had I paid my payments.
Consumer complaint received 2018-03-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect  until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Consumer complaint received 2018-03-21
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. (NY)

Hi I am writing u because my whole credit file is fraudulent as I have never had a credit card nor have I ever applied for credit nor have I ever had any type of delinquency please remove everything including credit cards credit inquiries and delinquencys because they are all fraudulent I found out about this because the XXXX said that someone filed a ax return in my name which is fraud so please remove all associated with me name. My name is XXXX XXXX
Consumer complaint received 2022-01-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. ()

See my former complaints XXXX and XXXX regarding the transfer of BTCs from my swiss bank to Coinbase.

Amount arrived at Coinbase but not credited to my account. 
After more than 6Months the company still didn't refund my money. 
Complaints get simply closed by Coinbase with a promise of resolution, but no solution has been offered so far. 
Also the statement that Coinbase has been working with my swiss bank for solving my case seems to be untrue, since my swiss bank has never been contacted by Coinbase.
Consumer complaint received 2018-03-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

IQ Data International In. Has called not only me but my husband as well. When we are at work, at night, or even when we are driving. We explain that we can not talk at the moment and that they can call us at a later time and we usually give them a time to call. They complaint and say comments like if you cant talk right now then why did you answer we respond saying that were at work at the moment and cant talk nor make any payments due to us not having our card on us. They respond saying so you go to work without your debt card? Does that mean you dont have your wallet? So youre driving without a license. That doesnt make any sense we respond saying we cant pay anything that day and to call us on Friday to see if we can negotiate anything they respond saying this is a one day offer. Youve had this since XX/XX/2017. If you dont pay this then its going to stay as delinquent on your credit and it wont come off. Unless you pay it now. And we continue saying how we can not pay it at the time and they can stop calling us and pushing us or they can call back when we can talk and pay. And theyll sigh and say whatever its just going to stay on your credit once they pushed me to call a family member and borrow the money from them or to get their credit cards. Once I reply that no one in my family has the money or credit cards they start to ask how we pay for stuff, or afford anything. When thats none of their business. They have called and harassed us for months and continue and wont leave us alone until we can call and pay them.
Consumer complaint received 2016-03-23
Product: Credit card — 
Issue: Late fee — 
Company: U.S. BANCORP (MS)

Elan Financial Services credit card Payment services website states " Payments with a Payment Date equal to todays date can not be modified or deleted after XXXX XXXX. CT. '' Yet a payment made at XXXX XXXX. CT. are considered late. When I called the supervisor informed me the cut off time is really XXXX XXXX. so cutoff at XXXX XXXX. is a false statement on their website and needs to be corrected as they are assessing a late fee at XXXX instead of XXXX pm.
Consumer complaint received 2018-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted XXXX XXXX several times about missing information and inaccurate credit reporting. I have 3 credit cards - XXXX XXXX, XXXX XXXX, XXXX XXXX. These credit cards are not being reported on my credit reports. The credit cards that are being reported, the balance is incorrect. Each credit card has an estimate balance of {$500.00} each. XXXX XXXX is reporting {$2000.00} balance on each. I want all three credit cards to be reported to all three credit bureaus- XXXX , XXXX and TransUnion immediately and the correct balance owed. This unfair reporting is delaying me from receiving the loans and proper interest rate that I deserve.
Consumer complaint received 2020-06-21
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. (FL)

XXXX XXXX has stated I owe them money. I used them for 1 month and paid for the month. I did not like their service and was supposed to get a refund for the month, but instead they billed me, and have continued to bill me for the last 6 years.