davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Look, this needs attention, this XXXX XXXX I guess lends money to buy cars or whatever private, I got into it with them years after I found that he, XXXX & ex wife borrowed but they used MY name, used our joint account even though we were in a legal battle & I was living overseas XXXX. Its reprehensible that this is even on my bureau let alone buried where nobody can find it. I They told me they sold it and don't know who, didn't have proof it was me, they certainly didn't use my signature, I was not even in the XXXX... 

The date is wrong, it was in XXXX not XXXX and he stopped paying on it XX/XX/XXXX not XX/XX/XXXX!
Consumer complaint received 2018-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

I took out a loan in XXXX with a XXXX XXXX XXXX XXXX XXXX XXXX for {$310000.00}. Now it appears that all the documents are fraudulent including the Note and Proof of Claim and I want to receive all info requested by my attorney in the attached QWR from the alleged new Trustee XXXX XXXX asap via Fax : XXXX XXXX.
Consumer complaint received 2017-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NJ)

my modification was not handled correctly and I have made a complaint however  XXXX   XXXX   XXXX  FROM  CITI MORTGAGE EXECUTIVE DIV ISION DID NOT ADDRESS ANY OF MY DISPUTES THIS IS THE 2nd complaint to case #  XXXX  i w ill attach my requestes of the process of the modification and the guidelines of each clause I have asked numerous times and response to the police reports in which my foreclosure was made public by  citi mortgage hiring of 2 real  estate / appraisel companys also how  XXXX   XXXX   came about the decision that I was not treated however he never answers the direct question please read the attac hed files
Consumer complaint received 2017-09-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (PA)

I am having trouble making my payments which is {$88.00} a month so I called Navient the servicer my previous company XXXX XXXX sold my loan to so I could ask for some kind of forbearance for a few months so it wo n't affect my credit and they refused to give me a forbearance unless I gave them a payment of {$50.00}. The point is that I did n't have the money and the reason I 'm called to ask for the forbearance because if I did I would have just made my regular payment. My payment was due yesterday XXXX and I tried reaching out to them today XXXX but kept getting the run around and was on hold for at least an hour and a half.
Consumer complaint received 2018-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NM)

On four separate occasions I have sent the ask for documents to all three credit reporting agencies in hopes of removing an Extended Fraud Alert I placed on my credit accounts in a mistaken effort to restrict access to my credit. Somehow this alert is for ten years and turns out was n't needed now I virtually have no credit at all and am denied credit everywhere even with an XXXX credit score, this prevents me from obtaining certain services in my XXXX XXXX fight. In the end my concern with my credit may actually XXXX me.
Consumer complaint received 2017-07-13
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: Experian Information Solutions Inc. (FL)

I submitted a multiple inquiry letter to the credit bureaus asking that the inquiries be removed in XXXX
XXXX
The company XXXX XXXX XXXX XXXX, which I did not give authorization to share my information with multiple companies, which resulted in multiple inquiries on my credit report XXXX 2015 and XXXX 2015 with XXXX, Experian, and XXXX credit reporting agencies.
 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank youXXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

This complaint involve s Ocwen Bank.  My mother and her partner owned a home in  XXXX  Arizona. My mothers partner died over   XXXX   XXXX   XXXX  . My mom died   XXXX   XXXX   XXXX   I am the successor trustee for my mom. I have since   XXXX    tried  to get Ocwen to change the mailing address and get me information on the mortgage so we can pay them. My mom paid on line so did n't receive mortgage statements. I have provided on numerous occasions all documentation showing both parties died and that I am the successor trustee of my moms trust as well ad death certificates. They refuse to change the address or to give me any information. The home is vacant for 4 months. Ocwen will only accept faxes, no e-mails or other communication allowed. They say after the fax is received, they will contact you within 3 days, but it usually takes about  XXXX  weeks. The folks working for  Ocwen  including managers are like robots and they repeat the same arguments that I am not entitled to any mail nor any information on this loan.
Consumer complaint received 2017-07-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (NV)

IQ Data International Violation of FDCPA 807 ( 8 ) ; FDCPA 809 ( b ) ; FDCPA 811 ( a ) ( 2 ) ; damage to credit report. Several CMMR letters to remove and validate. Last CMRR demand to remove was received by IQ Data on X/X/17. IQ Data refuses to respond. I gave them until X/X/17 to remove content from credit bureaus and notify me, and failed to do so. I am in the process of filing a Small Claims Complaint. <P/>I have filed a complaint against the original owner of the alleged debt - XXXX XXXX XXXX in XXXX XXXX. We are still in litigation and no judgments or awards have been ordered.
Consumer complaint received 2021-09-09
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. (GA)

XXXX OPENED XX/XX/2014 CLOSED BY XXXX XXXX STILL SHOWING PAST DUE AMOUNT
Consumer complaint received 2021-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

Complaint against Santander Bank. Mortgage/insurance division. 

On XX/XX/XXXX I called my home insurance agent to ask about what is covered in my policy since I had a flooding incident due to Hurricane Ida. To my surprise the Safety insurance agent informed me that my policy was canceled due to no payment. To my knowledge I had an escrow account that was handling the home insurance and property taxes. I first made sure that the insurance agency sent the bill and the cancellation notice ( attached below ). I further contact the insurance agent and they confirmed that the bill was sent to the right address while santander bank insurance manager was on a recorded line. The Mangers from Santander bank had two solutions for me : 1- I should buy a policy from them that is {$2900.00} which is twice what I was paying and it only covers the outside house not the inside. 
2- I have to go on my own and shop around for home insurance and call them. 
Now my home is in XXXX XXXX XXXX XXXX MA and it is worth almost {$800000.00} and as of today I do not have any home insurance because my mortgage bank said they didnt get the bill even if the insurance agent confirmed that they received it. Plus I have some flood damage claim that no one is willing to talk about since the policy was cancelled. Please help with a quick and fast resolution
Consumer complaint received 2021-01-23
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. (MI)

XX/XX/21 On my XXXX XXXX account, my Transunion report was decreased by 13 points for a new credit inquiry. Unlike XX/XX/XXXXand XX/XX/XXXX Tranunion excessively decreased my score by 13 points. This is an over reach and is uncalled for. Please up date.
Consumer complaint received 2017-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am writing to protest unfair banking fees for cashing checks written by their own bank customers. I received a letter today from Bank Of America stating that they will begin charging {$8.00} for non-customers who bring my Bank of America checks to my bank to cash. This practice discriminates against those who need the funds the most, such as any independent contractor, care giver, housekeeper, or landscaper. <P/>Is it illegal for banks to charge people for cashing checks written by that bank 's customers? <P/>The bank representative gave no good reason for charging the fee for cashing Bank of America checks to those whom I pay with a check. I understand that XXXX XXXX has also begun charging such fees. <P/>I already pay fees to the bank to maintain my checking account, and they have the privilege of holding of my money. The bank is providing no recourse. <P/>How can we protect consumers from these unfair fees? <P/>Thank you
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (PA)

I have a BJs Comenity Mastercard # XXXX. Comenity has been having system issues going on XXXX weeks. Initially their website was down for the first week but I could at least still use my charge card. Now their website is fixed but my card no longer works. When I attempt to call Comenity they will not let me talk to a service agent- they say nobody is available and call back later. They have a message on their website indicating that they still are working on it. Any suggestions on how to get my card working again?
Consumer complaint received 2017-07-13
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. (TX)

On XXXX XXXXXXXX XXXX XXXX XXXX XXXX. working on behalf of XXXX XXXX XXXX, signed for a certified letter of official dispute of their information of a collection account in the amount of {$19000.00} on my and my husband 's credit reports. The letter informed them that I was requesting validation of this debt pursuant to FDCPA and FCRA and corresponding local state laws. Competent evidence bearing my signature and showing contractual obligation to pay was requested as well. I also informed them that I was aware of the law and that they had 30 days to validate the debt, or the law required that they request that all reporting agencies delete the entry. After not hearing from them after 30 days and noticing that no notification of dispute was indicated on my credit report I sent a follow-up certified letter which they signed for on XXXX XXXX, 2017. This letter notified them that they were in violation of ( but not limited to ) FDCPA Section 807-8 and FCRA Section 623-b, and therefore I was demanding that the item be removed from my credit report, as required by law. I finally received information from them on XXXX XXXX, 2017, a full 55 days beyond what is allowed by law. In the letter, they informed me that I had 30 days from date of notification by them that the account had been placed with them to dispute the debt. However, I have never received such notice, they have failed to provide proof of such, and I was only aware of the issue when checking my credit report. On that same note, FDCPA states : " 809. Validation of debts ( c ) the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer '' which does not excuse their legal responsibility to abide by the law in their reporting and validation when informed of formal dispute and request for validation evidence. I am also reporting them to the BBB today, as well as the Texas Attorney General before filing a small claims action.
Consumer complaint received 2021-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Associates, Inc. (MO) (OK)

The amount reported on my credit report by was paid in full ( {$830.00} ) to the XXXX XXXX XXXX. Below is a screen shot of the credit report and the Money Order sent to their po box Address.

This Money Order per US Postal shows that it was received and cashed by them. This my final notice to you and the collection agency. I will file official complaint at the Consumer Financial Bureau against XXXX and the Credit Agency. My right is being violated under the fair credit report by continued failure to update this account despite the evidence.

The collection agency -Credit Associates Inc. in XXXX XXXX , Montana has decided to report {$750.00} as amount received however, the reported debt to the credit bureau {$830.00} was paid in full to them. They claim {$87.00} owed despite evidence that {$830.00} was paid to them as full payment owed and as reported to the credit bureaus.
Consumer complaint received 2017-04-21
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (PA)

I was given a credit card with 0 % apr for purchases made with the card which ends in  XXXX  of  XXXX . I was also given a 0 % pr for balance transfers that is good until  XXXX   XXXX . I used the card to purchased  XXXX  high end items totaling almo st 600  dollars that did n't work out and need to be returned. Once the items were returned discover credited the refund to by balance transfer amount and not my total purchase amount which in turn is making me pay an extra  XXXX  dollars toward my purchase balance that will need to be paid off by  XXXX  in order not to be charged interest. Honestly after trying to rectify the problem with discover with no avail I feel like this promotion is a scam to real customers in to make purchases and if for any reason you need to return the purchases you can but at a higher price to pay.
Consumer complaint received 2017-04-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I tried to apply online for a checking account and it says on the letter that I received that I was on  XXXX  as reported by Ban k of America. I do n't own that account. I have no account on Bank of America..
Consumer complaint received 2017-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY ()

The company sends every year a message, saying they could not reach me by e-mail - and foolish enough, they send it by e-mail! A login with the given account number fails with the comment 'we ca n't find the account number. The proposed XXXX number is not available as XXXX-number from outside USA. As living outside USA I also have no Social Security number.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report Dear Equifax, I am writing to dispute several unauthorized hard inquiries listed on my credit report, which I believe to be inaccuracies, in violation of the Fair Credit Reporting Act ( FCRA ), specifically under Section 611 ( 15 U.S.C. 1681i ). Upon reviewing my credit report, I noticed multiple hard inquiries that I did not authorize nor are they associated with any accounts on my credit report. These inquiries are inaccurately affecting my credit score, and I request an investigation into these items with the expectation that they will be removed from my report. 

Below are the details of the unauthorized hard inquiries : XXXX XXXXXXXX XXXX  XXXX -Dated XX/XX/XXXX XXXX - Dated XX/XX/XXXX XXXX - Dated XX/XX/XXXX XXXX XXXX Dated XX/XX/XXXX I affirm that I did not authorize these inquiries and have no knowledge of them. As mandated by the FCRA, I request that you conduct an investigation within 30 days of receipt of this letter to verify these inquiries. If these inquiries can not be verified as authorized by me, they should be removed immediately from my credit report as per the FCRA requirements. 

Please inform me of the outcome of your investigation at your earliest conveneince. 

I appreciate your immediate attention to this matter. Should you need any further information from me, please do not hesitate to contact me at XXXX. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-09-09
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. (AL)

I have unauthorized inquiries on my credit report. I also have items that are not my that are due to identity theft and as the credit agency to validate and they have not it has been over 30 days.
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX sold my account to two different companies and it is now showing up on my credit report two times with two different companies at a {$1.00} difference. I disputed with no response.
Consumer complaint received 2022-03-11
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. (AL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Since the announcement of the Equifax data breach on XX/XX/XXXX, I have been trying to freeze my account online with them. Every single day I try and I receive an error message through their website, I have tried different browsers, different times and different computers. When I finally called them on XX/XX/XXXX, I was given a number XXXX, when I call the automated number it request a pin which I have not been provided and have no idea how to get. When I press 2 for " no pin '' I am told to call back when I have this magical pin, then hung up on. This is not acceptable as per their website I was affected.
Consumer complaint received 2017-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a multiple inquiry letter to the credit bureaus asking that the inquiries be removed in  XX/XX/XXXX .        
The company   XXXX   XXXX   XXXX   XXXX  , which I did not give authorization to share my information with multiple companies, which resulted in multiple inquiries on my credit report   XXXX   2015 and  XXXX  2015 with Transunion,  XXXX , and   XXXX    credit reporting agencies.
         XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2022-09-09
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have submitted the same complaints for several times already but still these items are visible on my credit report. I have no idea what is going on over there at the CFPB. I was a victim of fierce wrongdoing. I'm not accountable for this account. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. This account does not belong to me. I never applied to this company. Plus, the continuous activity is weird. I believe someone stole my identity and opened this account without my permission or authority. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account. I'm truly confused by the bureaus antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. 

XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2012 Balance : {$930.00}
Consumer complaint received 2018-12-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (DE)

Walmart sychrony credit card was not correctly applying my payments. As a result the payments was appearing as a short payment and late fees were added. Several late fees were applied causing the account to go over the limit and more fees was added. Now sychrony is asking for a payment of {$170.00} for a one month payment. I have made payments consistently but they were not being accurately applied to my account!