davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

My husband and I sold out home back in  XXXX   XXXX  before selling the home we called the loan servicer several times because we had a loan modification back in  XXXX  and knew there would be more money due so we called the loan servicer to make sure everything would be included in the payoff we asked was there anything else we needed to do before selling the home to the investor the loan servicer said no fast forward  XXXX   XXXX  We now have a debt owed to HUD that will now be sent to the Department of treasury which will grow over {$46000.00} started at {$35000.00} I have spent over a month trying to resolve this and because I signed documents under the impression I would be clear of any debt I have no recourse I called HUD the loan servicer the title company everyone involved and now I will be forced to file bankruptcy I have spent the last 2 years fixing my credit in hopes of buying a new home and it was all for nothing now We did not receive any profits from the sale the buyer had to give us additional funds to close
Consumer complaint received 2020-05-04
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX I am the XXXX  of XXXX XXXX XXXX XXXX I am XXXX XXXX 
I have looked over my credit report and I am missing two credit accounts that are in good standing my XXXX XXXX XXXX and XXXX. The credit card companies have reported my payment history yet there is nothing even showing on my file.
Consumer complaint received 2020-05-04
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. (GA)

I am writing to dispute the information in my file. These items are inaccurate because it reports a balance due, even though I do not owe a balance on this report due to me having a 1099C. As you know, when a 1099C is furnished, a XXXX balance is to be reported. I am requesting that the items be DELETED to correct the information. Enclosed are copies of an IRS form 1099-C received from XXXX, which states that the balance was forgiven, supporting my position. I have called and disputed several times via certified mail and get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts reporting inaccurately. I have disputed and reach out to all several times and they say the same thing over and over. Please reinvestigate these matters and delete the disputed items as soon as possible. The accounts referenced are : XXXX XXXX   XXXX XXXX XXXX  XXXX
Consumer complaint received 2016-03-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

In XXXX of XXXX, there was a Bank of America sign up bonus for a business bank account. It included {$500.00} for signing up for the business checking account, {$500.00} for signing for for an associated business credit card within 60 days, and {$500.00} for signing up for merchant services within 60 days. For the merchant services account, I was told I would be contacted to set it up. After waiting for a month, I contacted ( via phone, email, and in-branch ) Bank of America and was told that I would be contacted shortly. After waiting another several weeks, I contacted Bank of America again, and was again told to wait. I was finally contacted by a Bank of America Merchant Services representative who told me the no-monthly fee Merchant services account that had been advertised was no longer available. I asked to speak to a different representative. I ended up calling XXXX on my own, and did end up setting up the XXXX XXXX account. 

Over the ensuing 6 months, I was charged monthly fees ( that should have been waived due to having a XXXX accounts ) and did not receive any sign up bonus. I had called, emailed, and online chatted with Bank of America many times ( more than XXXX ), and by the start of XXXX of XXXX, I still had not received any bonus. I was finally awarded {$1000.00} of the {$1500.00} total XXXX/XXXX/XXXX. 3 more calls ( each of over 45 minutes waiting on hold for various representatives ), did not result in the other {$500.00}.
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: EQUIFAX, INC. (AL)

When I review my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these reported accounts. It is not acceptable to treat these reporting accounts as unverified information without producing proof. Please reinvestigate the unverifiable accounts listed below : XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$500.00}
Consumer complaint received 2016-09-22
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CT)

In XXXX 2015 I hit a 6 year HAMP anniversary and was entitled to a {$5000.00} incentive. Ditech purchased this account in XXXX of 2015 from XXXX. Ditech refused for months to acknowledge that the loan had hit it 's 6th year anniversary. Eventually they agreed but then said they were waiting for the funds. I complained several months ago to this board and you closed it out when they said they were still working on it. It 's now several months later and almost a year beyond the point when I should have received this credit. Please help!!!
Consumer complaint received 2016-06-20
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (WA)

I went a mortgage broker that I had previously work with to request for a preapprvoal for a purchase on my primary home. He is now working at Chase Bank. The initial process went fine without a hitch. However, the loan is now held up with their XXXX in XXXX, FL. No one is getting back to me on when my loan documents will be at Escrow for closing. My purchase is now out of contract and possibly I may lose my house.
Consumer complaint received 2022-09-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (FL)

In XXXX, I filled XXXX XXXXXXXX on my car, In XXXX, credit acceptance sent me a letter advising me to call and pay by a certain date after I receive a letter from the bankruptcy court that the loan was taken out of bankruptcy. I called credit acceptance and set up a payment arrangement in XXXX of XXXX, I was not advised that they only set me for 6months payments, I called credit acceptance on XXXX/XXXX/XXXX at XXXX to address the letter they sent me advising me that they are switching Autopayment processing companies, I called in to make sure they didn't change my payment date nor my payment about, I was advised that I was no longer able to make my payments and that my car is now in the process of being reposed, they advised me that I was not in a payment arrangement even though they see I was making payments on automatic payments for the past six months, they refused to accept nothing but the full past due amount and was constantly treating reposition, they also refused to let me speak to a manager after I requested many times on a recorded line, they kept transferring me to different collectors and each one refused to honor the arrangement I was placed in with credit acceptance automatically taking payments out of my account, they kept repeating over and over that my car is out for reposition, also stating and refusing to honor the arrangement
Consumer complaint received 2017-05-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NE)

Received a call at  XXXX   XXXX  CT from  XXXX , a representative  of Portfolio Recovery  (  XXXX  ). I asked that the company not call me which was greeted with an ended phone call. I immediately called back (  XXXX  ), and when I asked again to be removed the representative demanded that I give my first and last name when I call back and then hung up.     I do not want them contacting me over the phone. Any and all business they have can be done through the USPS.
Consumer complaint received 2016-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (WA)

Went onto the biller 's website last Friday and paid loans off in full. Biller, AES has my bank information saved in their system as they withdrawal my payment monthly. I clicked to use my bank account that was saved. A week later I was notified by AES that the bank rejected request and I would have to start again. I contacted the bank and after hours of investigating it was determined that AES had created an error when entering the ACH. When I contacted AES they accepted no responsibility, gave no options for payment, told me my account is in limbo for awhile and that they could not accept payment and when the system gets resolved I would be charged additional interest. I am left with no resolution and no method to pay this off today once and for all. I believe this is an unscrupulous business practice. No assistance provided whatsoever.
Consumer complaint received 2016-04-05
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (NC)

I can not get a response regarding a purchase interest charge that is ongoing on a disputed amount with Chase. Each month, another purchase interest charge is added. I 'd like to attached a letter and attachments to XXXX XXXX at Chase. In his response to me, he said to call if I had questions or concerns and I do. HOWEVER, after calling several times, leaving at least XXXX voice mail messages, he chooses not to return. I have e-mailed and faxed him today about the last purchase interest charge. The disputed amount was {$1200.00}. On XXXX XXXX, 2016, Chase charged another purchase interest charge of {$14.00}. The account is being paid in full on or before the due date of XXXX/XXXX/2016. I would not like to be continuously charged a purchase interest charge. You are the only ones who can stop this. Thank you.
Consumer complaint received 2016-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (SC)

I had my federal student loans at multiple places, ACH and FedLoan, and applied to have it consolidated, to FedLoan. During the consolidate however ACH decided that they to sell my loan, to XXXX. FedLoan never bothered to verify that information was still accurate after they completed their process before they sent the money. FedLoan is now charging me for the new consolidated loan even thought the original loan still exists. ACH has now been paid twice for the same loan they claim to have sent the money to XXXX however XXXX claims to never have recieved it, even though it has been over a month, and is continuing to charge me for the loan. I have spoken to customer service at each company multiple times and all they do is tell me to call the other companies. Having the loans duplicated is hurting my credit and having to pay the same loan twice is straining my budget. Even if I eventually get this worked out and get reimbursed the money I am paying to the principal, I doubt I will ever get back the payments I am making to the interest. Right now everyone is making money off of me and I end up with double the debt and having to pay the same loan twice, and the longer this goes on the more it is costing me.
Consumer complaint received 2017-05-24
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. (MD)

Information presented to me about my credit score by  XXXX   XXXX  Sales Consultant,  XXXX   XXXX ,  XXXX   XXXX   MD.    Indicated my score was  XXXX . He said, '' It is almost  XXXX  that is pretty good. I accepted that the information was correct.   I subsequently pulled my credit report from all  XXXX  reporting agencies. All scores were above  XXXX ,  XXXX  was  XXXX .   I called to complain to  XXXX   XXXX   XXXX  about the disparity in the reporting to me about my score and credit rating. They insisted that the score they got was from Equifax. My score on the report I received from Equifax was  XXXX .
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

EXPERIAN, while claiming to be just a repository, has a liability for the wrongful credit reporting when it is common knowledge that the subscriber is notoriously negligent and regularly misreports.When this information is in the public domain EXPERIAN becomes liable and negligent for their subscriber errors.THE DEPT OF EDUCATION IS ONE SUCH SUBSCRIBER.US DEPT OF EDUCATION LOANS BOTH ACCOUNTS, XXXX ARE SERIOUSLY BEING MISREPORTED.US DEPT OF ED,XXXX ON XX/XX/XXXX, DUE TO INACCURATE AND INCOMPLETE REPORTING, POST DISPUTE DROPPED MY EXPERIAN FICO SCORE 40 PTS.BOTH THE BEFORE DISPUTE AND AFTER ARE ATTACHED. 
THE DISPUTE SHOULD RESULT IN BOTH ACCOUNT DELETIONS AS BOTH ACCOUNTS WERE DELINQUENT OVER SEVEN YEARS.THE ACCOUNTS REPORT WITH FALSE HISTORIES.SCHOOL WAS OUT IN XXXX AND NO PAYMENTS WERE MADE.SO INSTEAD OF CORRECTING THE ERROR EXPERIAN ALLOWED MORE FRAUDULENT REPORTING MAKING THE ERROR EVEN MORE DAMAGING. 
THE C.O.O. OF THE US DEPT OF EDUCATION WHO QUIT IN XXXX OF XXXX SAID THE DEPT OF EDUCATION IS THE MOST IRRESPONSIBLE LENDER IN THE UNITED STATES.HE SAID PLENTY MORE BUT IT IS IN THE PUBLIC DOMAIN AND I HAVE SENT TO EXPERIAN PREVIOUSLY. 
SO EXPERIAN IS GROSSLY NEGLIGENT FOR ALLOWING MISREPORTING OF CREDIT KNOWINGLY.
Consumer complaint received 2016-07-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: National Enterprise Systems, Inc. (VA)

National Enterprise Systems ( NES ), a holder in due course of Private Student Loan originated by XXXX XXXX. NES claims that I am a co-borrower of this loan. I have disputed that I signed this application. The copy of the application provided by NES contains numerous errors including incorrect personal information, references, and contact information including email address.
Consumer complaint received 2016-10-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Credit Karma (WA)

no phone number to call company and ask how is checking my credit Loring, See if you 've made progress toward building a credit score. 
You last checked in on XXXX/XXXX/16. 
Credit Karma , Inc., XXXX. XXXX XXXX, XXXX XXXX, CA XXXX
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020, Transunion charged me for a credit reporting service I did not sign up for with no way of canceling online. The amount is {$24.00} per month with no useful services delivered. We have no way of canceling this charge from their website and the subscription status can not be changed at all.
Consumer complaint received 2015-11-25
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: EQUITY LOANS LLC (MD)

I was solicited by Equity Prime Mortgage for a refinance on my home after doing a search on line. I finally decided to refinance but had a modification 1.5 years ago. It was clearly on my credit report. The loan officer insisted I was qualified and charged me {$500.00} for an appraisal. I ask him numerous times, are you sure I qualify I had no money to waste. He assured me I did. So I had an appraisal and then I had to have the appraiser come back for a couple of small item which cost another {$150.00}. The it was going back and forth with under writing before XXXX of their employees realized it was a federal law I could not get a refinance until a 2 year waiting period. I ask for money back because I was miss informed and got an appraisal for a loan I would have never gotten had they know the policy. I think the company need an through investigation for their practices and I would like to have my {$650.00} back that I did not have to throw away.
Consumer complaint received 2016-03-28
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Ditech Financial LLC (TX)

I received a XXXX from Ditech ( formally Greentree ). I also received a letter this week saying the XXXX was incorrect stating it was a mortgage instead of a car lease. The original creditor had charged of this debt in XX/XX/XXXX. They did not attempt to collect it from me nor put it on my credit report because they had accidentally repossessed the car while it was in current status. They then delivered the car to the wrong address and I found the vehicle a couple weeks later damaged. The original creditor refused to pay the damage and I of coarse refused to make any more payments until they did. 8 years later a company called Greentree was sent this debt as a mortgage. I hired an attorney and Greentree agreed to remove it from my credit report and cease collection activities. I then started receiving collection letters 3 years after the mtter had been resolved. The attorney that handled for me contacted Them and the stopped once again. Now Greentree has become Ditech and is trying to avoid paying federal income taxes by filing a XXXX on this debt that charged off in XX/XX/XXXX and the original creditor never attempted to collect from me nor ever pout on my credit report because of their error. This has been a very upsetting ordeal because I was forced to hire the attorney because Greentree would only yell at me when I called and would not let me explain this was not a mortgage debt. By not having the correct XXXX by this date XXXX/XXXX/XXXX it has made things very difficult for me because I do not want not file a tax return that is incorrect.
Consumer complaint received 2022-09-06
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. (LA)

I have noticed a lot of inquires on, XXXX  credit report. All these inquires were not authorized by me. I have no idea where these came from. I have contacted XXXX and equifax and they refuse to remove my inquires, despite the laws. I have no knowledge and they have shown me no proof that these inquires belong to me.
Consumer complaint received 2016-09-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

This company added a collection to all XXXX credit bureau 's for a debt I DO NOT owe. I have contacted the company and asked for proof the support these charges and have gotten no response. ( see attached letter and fax confirmation ). 

These charges that FCO is attempting to collect stem from a 1 year rental agreement ( XX/XX/XXXX to XX/XX/XXXX ) with their client XXXX XXXX XXXX. At the end of my 1 year contract I chose not to renew my lease because the renewal rental rate was far greater that market rate for the home and area so I submitted my notice to vacate and moved XX/XX/XXXX. The house and carpets were professionally cleaned and the house was left in good repair when I moved out. I requested an exit walk thru appointment was told by XXXX this was not necessary and they would contact me if there were concerns to be addressed. I heard nothing further from XXXX so I assumed everything was fine until a few months ago when this collection showed up on all XXXX credit bureau files. The collection agency ( FCO ) sent me a letter and a ledger of charges from XXXX which made up the balance they were collecting and I was literally dumbfounded. I am being charged for an increase in rent for XX/XX/XXXX which reflects the renewal rate even though I was still contracted at the rate of {$1300.00} per month. I am being charged rent for XX/XX/XXXX at the renewal rate when I my lease has already ended and I had moved out. I am being charged for General Maintenance to make repairs ( what does that even mean? ), for weed spray applied to the yard, dryer vent cleaning, repainting the ENTIRE house, and the list goes on and on. Under NC law ALL the things they are charging me for and attempting to collect fall under reasonable wear and tear. I have asked for proof of the necessity of these repairs as proof of damage beyond reasonable wear and tear and defined by NC statue and have gotten no reply.
Consumer complaint received 2023-03-27
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. (TX)

This was paid in full by XXXX XXXX Claim and XXXX XXXX XXXX. The collection company XXXX XXXX placed a new collection on my credit report as if I opened an account. This is deceptive trade practices, and I should be protected as a consumer against this fraudulent reporting on my credit report.
Consumer complaint received 2019-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

There is this statement that is on my credit file with Equifax that I did not authorize. Below is the statement : " ALL THESE ITEMS HAVE BEEN DISPUTED WITH XXXX  AS FRAUDULENT PREVIOUS DISPUTE DATE ENDED ON XX/XX/18 I WOULD LIKE THESE ITEMS REMOVED FROM MY CREDITE REPORT THEY ARE NOT APPEARING ON XXXX OR XXXX  ALSO REMOVE THESE FROM MY CREDIT FILE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX  MI XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX EMPLOYER ( S ) XXXX XXXX THANK YOU! '' I have asked them several times to remove it, its still appearing on my credit file.
Consumer complaint received 2015-11-03
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I lost my bank card, and someone deposited XXXX stolen checks into the account in one day totaling more than 5000 dollars, then took out as much as they could before the card was put on hold ( around 1400 dollars ). The bank did a fraud check and found no fraud was committed. I went to the bank and asked what their decision was based on, and they said that it was because nobody else had my pin, I ask them for copies of the checks that were deposited and XXXX of them where not endoresd and the one that was, was no where near my signature. So i asked them to check the film and see who made these transactions, so they asked me to send them my florida photo id, which i did, then they made the same determination as before without looking at the film ... .someone stole my card and did this without any acknowledgement from me, and now they are saying that I owe them over 1400 dollars.