davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

This complaint is regarding Loan Care, goes by XXXX also. 
On XX/XX/2020, I had a fraud attempt on my bank account so XXXX XXXX made me close my checking account and open a new one. I had auto pay on my XXXX mortgage account to draft on the XXXX of every month and never missed a payment until now. XXXX XXXX told me they would honor any auto draft payments coming through the old account for 90 days. 
On XX/XX/XXXX, I went online to their website, since they will never answer the phone, and changed my address since I moved and updated my account number to the new checking account. 
By the time I received the late notice for XXXX, it was XX/XX/XXXX and I received it at my new address. I went online and saw that I needed to make XXXX payments, which I made and saw they accessed a late fee. 
I was furious, I tried to call them, left a message that was never returned and so I emailed them on XX/XX/XXXX for response. They responded and did remove the late fee on XX/XX/XXXX after I explained this was their error. I then asked if this was reported to the credit bureau and found out they did! 
I have been asking for a response to have the 30 day late removed from my report since XX/XX/XXXX and have sent several more emails since they don't answer the phone no matter what time it is. The last email from them was on XX/XX/XXXX stating they are checking into it. Their online system took the address change but didn't update my account info. 
I have NEVER had a late mortgage payment OR a 30 day mortgage late on my credit ever! 
I have heard nothing but bad things about this company and I have experienced that as well. They need to be investigated for unfair business practices and horrible customer service. They take your money, but will not help you. 
I am requesting your help with having the 30 day late removed from my credit file and as this has negatively impacted my score. I have worked very hard all my life to keep my credit score high and I am very upset that this company, due to their error, has caused me this trouble. 
Please help!
Consumer complaint received 2017-01-11
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CA)

My approved loan modification agreement did not reflect the adjusted payments outlined in a letter I received from Ocwen stating that my payments would decrease after my trial modification payments were received. I began making the agreed trial modification payments on XXXX XXXX, XXXX. After successfully making all three trial payments, my payments were to decrease approx. {$250.00} effective XXXX/XXXX/XXXX. I contacted Ocwen to inform them that the loan modification documents that I received, and I have yet to sign, instead reflected an increased payment amount of approx. {$250.00}. I was instructed from Ocwen 's servicing department to contact Ocwen 's research team via written correspondence explaining my concern. I faxed my written concern to their research team on XXXX XXXX, XXXX, along with the supporting statements from Ocwen that clearly outlines the lower payment amount. To date, Ocwen has not responded to my concerns. Instead, after successfully making all XXXX trial payments, Ocwen has denied my loan modification as of XXXX XXXX, XXXX. 
I have contacted Ocwen on a number of occasions just to be tossed to and fro from various persons posing as servicing managers. I will contact legal representation to assist me in my pursuit of retaining my approved loan modification and at the lower payment outlined in Ocwen 's attached letter dated XXXX XXXX, XXXX. Ocwen 's continues to present itself as a fraudulent practice!
Consumer complaint received 2017-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Student Debt Center LLC (OR)

Received a call from someone who claimed that they would consolidate my federal loans, get them on an Income Based Repayment Plan, and get me loan forgiveness, for a price. I told them that I am not interested in paying them for benefits that my student loans already have for free.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

I have unauthorized " INQUIRES '' on my credit report and I wrote to the creditor 's explaining to them that I did not authorize these inquires and that I am a victim of ID theft. The creditor 's never contacted me back and never removed the information from my credit.
Consumer complaint received 2017-02-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (TX)

Closed XXXX account bundled with XXXX DSL Internet Service. Returned XXXX equipment, however XXXX indicates that equipment was not returned and has placed account for collection. Repeated attempts to collect on debt that is not owed due to proper equipment return process.
Consumer complaint received 2022-09-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Hi, my name is XXXX. I'm contacting you because my elderly mother has run afoul a bad situation. 
She has been trying to pay her mortgage through XXXXXXXX XXXX, and they have stopped taking her payments ; I have proof of this. I also have proof that she has contacted the company, and they have refused some of her payments because, they claim, it won't bring her account to balance, but they have neglected to show how much it would cost to bring the account to balance. 
They have also refused her payments without specifying a reason. She has tried to contact them, and reached a person named XXXX XXXX. XXXX XXXX claims that no payments have been made, but that is not true. I have proof. 
My mother has also run her credit through two bureaus, and both show that she does NOT have outstanding payments, but XXXX claims that they will place the property into foreclosure. 
This is the strangest thing I have ever come across. If I owe a credit company or bank money, they'll take whatever payment I can make -- with late fees and such -- but they won't refuse money. 
I am trying to make sure my mother won't lose her property. Can you please help? I have paperwork, replies, and copies of payments attempted. 
I believe the media is more powerful than lawyers, which is why I contacted XXXX XXXX, and we think you can help us. Would you be willing to look at what I have? Thanks in advance. 
P.S. They claim she owes XXXX grand for the property but on the credit report, it shows she owes nothing. Which is it? 
We don't know. Please help us. I am XXXX. She is almost XXXX and retired. We don't know what to do. 
We have some money and would like to square things away, but XXXX seems bent on refusing money. I will provide all the paperwork we have, which is substantial. 
Thanks again.
Consumer complaint received 2022-01-07
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: Experian Information Solutions Inc. (CA)

I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

I have unauthorized " INQUIRES '' on my credit report and I wrote to the creditor 's explaining to them that I did not authorize these inquires and that I am a victim of ID theft. The creditor 's never contacted me back and never removed the information from my credit.
Consumer complaint received 2017-09-29
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. (NJ)

I am a victim of identity theft There has been a breach of my personal information as : Credit card accounts, multiple cell phone accounts, an installment loan, and credit inquiries have been placed on my credit reports and has ruined my reputation with certain businesses. 

XXXX is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft. 

XXXX is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft. 

Experian is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft.
Consumer complaint received 2020-10-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (MA)

I am trying to close an account held jointly by my deceased parents. My father died in XXXX and my mother died in XX/XX/XXXX. I am the sole heir and listed legally as her personal representative. 
Last XXXX, I have trouble getting any response at all from Chase despite numerous phone calls. Finally, I was able to get an address to send information to, but after that I received no further information. By XXXX, I was able to get hold of someone in a branch who insisted that I had not submitted the documentation despite my receipt of a certified letter that I had. By XXXX, I was able to speak again with someone who told me that Chase did have the documentation I sent but that I needed one piece of additional documentation, in the form of a small estates document. I submitted that today and now was told that I need additional documentation and that the documentation I sent previously was somewhere in the system but unattainable by the people in the bank who needed to see it. 

I believe that the bank is withholding the money in this account capriciously, being careless and irresponsible with personal documents and continually changing requirements to access money so that the money remains at Chase.

I want to transfer the money that was in my parents ' joint accounts at Chase into my an account my mother and I held jointly at Chase. I believe I should have been able to do this in a timely fashion and can document the fact that I started this process before XX/XX/XXXX. I also made bold the part of a Chase document that states that the bank will let consumers know within 30 days if additional documentation is needed.
Consumer complaint received 2019-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

EXPERIAN HAS INFO ON MY CREDIT REPORT THAT IS INACCURATE. 

NOT MINE : XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXXXXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX  XXXX XXXX LA XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Consumer complaint received 2017-09-29
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Prince Parker & Associates (IN)

received multiple phone calls on phone # XXXX from phone # XXXX. They are leaving voicemails for me to contact them immediately on my wife 's phone. They are disclosing that they are a debt collector in the voicemails. I called them today to find out what the call was about. I advised 'Ms. XXXX ' that no one ever disclosed that they were a debt collector in any of the voicemails and that they were left on a phone that was for XXXX XXXX and not XXXX XXXX. XXXX clearly states " XXXX XXXX '' and therefore they were in violation leaving a voicemail for me on someone else 's number. I advised her that I would be contacting an attorney and her response was " Is you attorney going to pay your bill? '' I said " Excuse me? You ca n't say that to a consumer '' and her response was " I can say whatever I want ''.
Consumer complaint received 2017-12-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I purchased {$750.00} of Litecoin with Coinbase on XXXX/XXXX/XXXX. Their expected delivery date was XXXX/XXXX/XXXX. It is now the XXXX/XXXX/XXXX and I still have not received anything. My credit card statement shows Coinbase transaction of {$750.00}. I contacted Coinbase through their website and only received generic responses. Opened a Case # XXXX with their support. So far nothing. Not a single email, phone call, and attempted to call them. Only to be put on hold for over an 2 hours then they hang up the phone.
Consumer complaint received 2017-09-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America is not letting me settle or payoff my account. They are not even giving me a payoff demand letter on my account even after multiple request. I am trying to do short sale and they are in the 2nd position and they holding up the whole process for short sale. 1st line is already approved for short sale but due to bank of America not issuing a payoff or short sale approval I am not being to close on the property.
Consumer complaint received 2017-12-04
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nelnet, Inc. (VA)

My daughter was attending college up until XXXX, I had moved from Minnesota to Virginia in XXXX. In XXXX I pulled my credit and noticed there were derogatory reports on my credit report from a " nelnet ''. I had no idea who or what this was. So I called the company and asked what the issue was and why it was being reported to my credit report. After going through verification the customer service representative got rude, was swearing and threatening me. I again told XXXX that there was no need to use such language or threaten me and was happy to work with them to clear this off my credit report since I was unaware of this bill. XXXX did not have my recent address since I had moved out of state. When I had updated them with the correct contact information the calls came all hours of the night as shown by my cellular records after repeatedly telling them not to call. My first request to cease and desist was XXXX of XXXX, yet the threating phone calls kept coming in getting me all worked up. The reports that XXXX have made and continue to make to my credit are false, when I explain to them it was an oversight and try to correct it, XXXX again starts swearing and telling me that they are there to ruin my credit scores across the 3 bureaus and make sure I do not obtain a good paying job of any kind. In fact when I have tried to work with XXXX to get this paid off in full so this does not affect my job search the customer service lady laughed and suggested that I go work at XXXX.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act, the following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXXXXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXXXXXX # XXXX, has violated my rights. 


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 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 ) States : 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 2017-12-27
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Healthcare Receivables Group, Inc. (NC)

Healthcare Receivables Group is consistently harassing me. The company has called from different area codes repeatedly every day for months, even after I have asked them to cease calls. They also send mail even after relocation to a different address that I do not provide to them. I have disputed against the company on numerous occasions and there has been no resolution. Upon further investigation, the state of North Carolina requires collection agencies to be licensed and active within their state. Healthcare Receivables Group is currently SUSPENDED with North Carolina 's Secretary State and should therefore be removed from all credit bureau agencies immediately due to a non active status.
Consumer complaint received 2021-02-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (UT)

Summary : - The bank rejected the dispute on the products that I did not receive. 
- I gave the merchant the delivery instruction to place the package at the back door, but the merchant did not provide XXXX with this delivery instruction. Package was placed on the front door and thus the package was lost. 
- Amazon decided to refund to me, and sent money to the Synchrony bank that issues the Amazon store card. However, the bank refused to refund me, and the charge is remaining. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Details : I used Amazon store card to order a laptop in Amazon, from the third party merchant on XX/XX/XXXX. The laptop costed XXXX, and named " XXXX XXXX XXXX '' HD+ Touchscreen Laptop Computer_ XXXX XXXX XXXX XXXX XXXX XXXX up to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. My package was supposed to arrive at the back door of my address on XX/XX/XXXX, but I could not find the package. I received the proof of the delivery from XXXX : however, the delivery instruction was not included in this proof, and the package was " Left At : Front Door ''. The front door is facing on the big street and not safe. 

For the package loss is suspected, I have searched around my house and asked my neighbors, but I could not have located the package. I have contacted with the merchant for the 1st time on XX/XX/XXXX, and they suggested to contact XXXX as their response on XX/XX/XXXX. I called XXXX on XX/XX/XXXX, and XXXX asked me to provide the serial number for the product, so I asked the seller for the serial number on XX/XX/XXXX. After 1 week of XXXX inspection, XXXX customer support told me on the phone that they could not locate the package on XXXX. So I asked for the refund from the seller on XXXX, and got the response basically saying please contact XXXX first. on XXXX. I have contacted the Amazon Customer Support on XX/XX/XXXX and they promised that they will ask the seller to either refund or resend the product. Then I received the repetitive message again saying please contact XXXX first again on XX/XX/XXXX. 

I made a dispute to refund through the Amazon store card issued by Synchrony Bank on XX/XX/XXXX. Given this dispute, Amazon issued a refund and send money to the bank on XX/XX/XXXX. However, the bank did not refund me, and rejected my dispute claim on XX/XX/XXXX. 

I called Amazon customer support on XX/XX/XXXX, and they sent me the evidence that Amazon sent money to the issuing bank. I called Synchrony bank customer support on XXXX, saying they will reopen the dispute case. Then this new dispute was rejected again on XX/XX/XXXX. I did not receive the refund yet.
Consumer complaint received 2017-09-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP (CO)

US Bank has called 3 times in two hours. We are behind on our credit card payments ... we lost our business in XXXX of 2017. I have discussed with them getting on their hardship programs ... which is great, but they said to call back when we have a little bit of money to make a payment ... I agreed. The calls continue daily ... up to 5 calls during XXXX XXXX and XXXX XXXX ... I 'm also at work! 

XXXX is the same story ... continuous phone calls!
Consumer complaint received 2017-02-14
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Ad Astra Recovery Services Inc (TX)

There was a loan placed on my credit reports stating that that i owe a company named XXXX XXXX XXXX for the amount of {$1300.00}. I attempt several times calling XXXX XXXX but could not ever get to representative. I finally spoke to a representative from a collection agency named AD ASTRA Recovery and they stated i needed to pay the amount above or else, I explained to them that i was a victim of a hate crime/Identity theft and the person/persons responsible had used my information in other accounts. I explained to them that i am XXXX and i am on a limited income and can not afford to pay a loan i did not take out.They told me the default loan would continue to damage my credit until i paid the balance in full which my XXXX income will not allow me to.
Consumer complaint received 2017-09-29
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

These companies are being showed on my credit report when I have not inquired about anything from them. How do I get them off. The Capitol One and XXXX has been there since XXXX XXXX and the others have been there since XXXX XXXX. I do n't know where they are coming from. 
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