davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NC)

I disputed the balance and status of my mortgage lender and servicer on several occasions to various agencies. On XX/XX/XXXX the grantor reported to XXXX Credit Reporting agency that the dispute was settled by the grantor, the balance is zero and the account is closed. I was not aware that the grantor closed the account with a zero balance until XX/XX/XXXX. Ocwen has not updated any bureaus regarding this account since XX/XX/XXXX and Ocwen has decided to Non-Renew its forced placed insurance on the property. Upon finding out about the XXXX balance I contacted the attorney for the lender and its servicer and substitute trustee informing them that the balance was zero and the default no longer existed. I also asked if they were still claiming that a balance was owed that they should notify me. Despite the account being closed with a XXXX balance Ocwen provided a reinstatement amount in excess of XXXX. Since the dispute has been settled and the account closed Ocwen and its agents and officers are violating the law by attempting to collect on an account where there is no balance and the account is closed. In XX/XX/XXXX Ocwen signed a consent order in federal court stating that it would refrain from certain actions and were made to make payments to homeowners that had a valid complaint. I filed my complaint in regards to the National settlement and was awarded a small check. Ocwen has continued with mishandling of this loan despite its consent order.
Consumer complaint received 2022-09-03
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. (NJ)

I filed a dispute XX/XX/22 in regards to the incorrect items on my credit report. I sent a followup letter, it has been over 30 days and i have not received any investigation results.
Consumer complaint received 2020-08-27
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. (TX)

The FCRA states that all information reported on a credit report must be % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX XXXX account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. 

Account # : Incorrect/ inaccurate Date Opened : incorrect/ inaccurate Balance : incorrect/ inaccurate No. of Months ( terms ) : incorrect/ inaccurate High Credit : incorrect/ inaccurate Past Due : incorrect/ inaccurate Last Reported : incorrect/ inaccurate Comments : incorrect/ inaccurate, not consistent Date Last Active : incorrect/ inaccurate Date of Last Payment : incorrect/ inaccurate incomplete
Consumer complaint received 2019-02-22
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: Diversified Consultants, Inc. (NY)

This is a company called Diversified Consulnts claim I owe them {$460.00}. I do not know this company or the company they represent this is fraud. I never authorized any purchase of {$460.00}. I never signed anything. This is fraud.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been submitting requests for the addresses that do not belong to me on my credit reports to be removed from XXXX, Transunion and XXXX. I have submitted dispute requests for this information to be removed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. each time the credit bureaus did not send me any dispute results or remove the addresses that do not belong to me on my credit report. 

Transunion incorrect addresses are : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX incorrect addresses are : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX incorrect addresses are : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2016-05-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JH Portfolio Debt Equities, LLC (CA)

I file an affidavit with Federal Trade and Commission the reference number is XXXX, I also file a Police Report with all the list of the accounts involve with the Identity Theft. I am having a hard time in dealing with JH PORTFOLIO DEBT EQUITIES , LLC even thought the account was open back in 2008 but such account was hacked and I am not agree with Balances this account has that are not mine hackers make so much damage to anyone involve on this Identity theft issues I am Requesting Clearly to JF PORTFOLIO TO REMOVE/DELETE this account I am not responsible of what they are claiming to be mine. I hired XXXX to help me but JH PORTFOLIO continues reluctant ignoring the facts of what being a victim of identity theft means. I need your help to refer me with any other Government Agency to enforce what the law states about Consumers who are victims of Identity Theft. or may be you can help me. I am NOT agree at all with JH Portfolio with their procedures about how they review and deem this account to be validated, Confirming my Address and my Name, signatures, etc ... does n't mean I can not be immune to be a Victim of hackers utilizing my name to commit fraud/scam utilizing my name pretending I am the one who is doing whatever they are doing. This is the point that XXXX Portfolio do NOT understand and where I need help for someone to explain them what a Victim of Identity is about. Thanks.
Consumer complaint received 2022-09-03
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. (LA)

Hello, My name is XXXX XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. Im trying to get a new couch and these items wheny get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade Commission and I also have enclosed copies of the Federal Trade commissions identity Theft affidavit Please delete the items as soon as possible.
Consumer complaint received 2016-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (VA)

I request Equifax remove the California tax lien that was filed and recorded in error from my credit report. My credit report is inaccurate as a result, and this impacts my ability to apply for credit, and increases the price of credit instruments if I qualify for them. 
Equifax claims they will only remove a lien if it says withdrawal or filed in error as the title of the document. California does not provide such notices. There is no statutory mechanism to withdraw a lien in California code per the CA XXXX. California code requires the XXXX to document liens filed in error by a statement on the face of a release document, instructing the county recorder that the lien was recorded in error. As a result, no form available from the state would meet Equifax 's internal policy for removal of a California state tax lien filed in error. This is unacceptable. 
The CA XXXX XXXX XXXX has notified Equifax the lien was filed in error, and requested removal of the lien from my credit report as described on the supporting documentation and the lien filed in error section of this link : XXXX. 
Equifax did not comply. 
I attempted to get Equifax to remove the lien, and provided documentation. Equifax did not comply. As a result, I am seeking your assistance. 
Thank you.
Consumer complaint received 2015-08-30
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Resurgent Capital Services L.P. (CA)

I filed a complaint last month to which they said they responded. The response is a corrupt file. Once again LVNV and failed to provide any proof of dates, balance, how calculated or the debt is even mine. Furthermore, they are inaccurately reporting on my credit reports as current late payments. This is also false.
Consumer complaint received 2017-02-21
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Anderson and Associates Credit Services, LLC (CA)

I have repeatedly requested that Anderson & Associates Credit Services LLC provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Consumer complaint received 2015-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AL)

EQUIFAX/XXXX HAS VIOLATED SEVERAL FCRA LAWS. COLLECTIONS AGENCY DID NOT NOTIFY IN WRITING OR BY PHONE TO NOTIFY ME US THIS DEBT. XXXX NEVER DISCLOSE MY RIGHTS TO DISPUTE THE ERROR. EQUIFAX/XXXX DID NOT PROVIDE A VALID MAILING ADDRESS, ACCOUNT #, AND PHONE # TO CONTACT THE AGENCY TO DISPUTE. THIS FOR PROFIT COLLECTION AGENCY APPEARS TO BE A RANDOM DEBT BUYER AND ISSUES DEBT TO CREDIT REPORTS. I REQUEST A FULL INVESTIGATION BY XXXX AND AND EQUIFAX BY LAW.
Consumer complaint received 2022-09-03
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

In accordance with the fair credit reporting act XXXX Account # XXXX, Account # has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Consumer complaint received 2016-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (LA)

I have been the victim of ongoing ID theft and have numerous fraud inquires as well as XXXX fraud accounts begin reported with Equifax. Both XXXX and XXXX have removed these fraud accounts but Equifax refuses to do anything!! I have been fighting with Equifax for quite awhile trying to resolve this matter and they will not do XXXX!!! Even with a valid police report as well as other supporting documents. I am a XXXX veteran and Equifax is treating me worse than a criminal. I would like for them to remove and or block the fraud items I have listed in the attached letter and stop ignoring my request to correct this.
Consumer complaint received 2015-06-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

I submitted a short sale package with authorization on XXXX XXXX and I keep calling Seterus to get an update and they are stating the are XXXX business days behind in reviewing short sale documents and authorizations and there is nothing they can do. It is now 4 days away of being XXXX since I submitted the docs and I can not speak with anyone regarding this transaction.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NV)

During my deferment when I boulder pay my loans they continued to charge interest and raised my loan during that time. When finally making a large payment of {$2500.00} and asked to go toward smaller loan. They used all of it toward interests.
Consumer complaint received 2016-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: MOHELA (NH)

Mohela has all different charges, Why are they all different? I took XXXX courses at a time@XXXX for XXXX courses. XXXX course to make XXXX. Then I got a XXXX pell grant. That should be XXXX that I had left to pay. Since they say they are XXXX and they say ( charging late fees ) I have seen quite a few times the last few months. This late fee is usually done once a year at the end of the year. I would like to see where these charges came from, since XXXX was closed for taking student money. I was notified by another College that told me they were trying to contact anyone and cancel the loans.
Consumer complaint received 2015-08-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION ()

It all started on XXXX/XXXX/15 when I received an email describing a job for escrow agent for the XXXX XXXX company from XXXX XXXX. On XXXX/XXXX/15 I received another email stating that they needed this job filled immdiately. On XXXX/XXXX/15 I received a contract and a FAQ from XXXX XXXX. On XXXX/XXXX/15 I received an email from XXXX XXXX stating that XXXX XXXX welcomes me. On XXXX/XXXX/15 I received another email from XXXX XXXX advising me that I will be receiving payment from their customers for product received. On XXXX/XXXX/15 I received another email with invoices XXXX amt {$1100.00} and invoie XXXX amt {$1100.00} with instructions how to disburse the monies. On XXXX/XXXX/15 I received another email stating that I will be receiving 2 checks for the above invoices. They wanted me to use Reload-it cards to have the money sent to them once they cleard my bank but the Reload-it system was down. On XXXX/XXXX/15 I was sent an e-mail asking if there was a XXXX XXXX near me. 
On XXXX/XXXX/15 I was sent an e-mail instructing me how to dispense the funds via XXXX XXXX. After I sent the first XXXX XXXX for {$620.00} I was advised by my bank that I was overdrawn as the checks were returned by the Federal Reserve as fraudulent. I wasoverdrawn {$850.00} and now I have brought down my balance to a positive of {$150000.00}. 
I called the bank on XXXX/XXXX/15 and asked them if I could use my debit card but they told me that they were frozen. I am lving in XXXX XXXX and I have no money to pay my bills and I was hoping you could contact my bank and help me get my cards unfrozen. I have been withou funds since XXXX/XXXX/15 and now even with a positive balance I still can not access my funds which by the way is my social security. My bank is Navy Federal Credit Union XXXX. I have all the emails that started this whole fiasco if you need to see them I was the victim here and I feel that they are treating like a criminal. I did call Navy Federal Security Department and spoke to a XXXX who told me that they could not help me and I should report this to the XXXX Police which I did and they told me to file in XXXX which I did with the XXXX which forwards your compliant to the FBI, XXXX and the XXXX XXXX XXXX. All I need is my debit cards unfrozen so that I can have access to my funds
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (IL)

I knew there would be payments, but the amount they are asking for is not possible. I 've been sent bills for anywhere from {$800.00} on the low end to {$2200.00}. This is more money than I make in one month. I 've explained this many times to many agents after waiting over 20 minutes and getting transferred to multiple people after the shake down from the first level staff. I 've hung up in tears more times than I care to admit. They suggest moving in with my widower father ( in order to save on housing expenses so I can pay my loan bills ) and suggest I get more jobs in order to pay them faster. It honestly feels like I 'm dealing with loan sharks when I call them. I went part time for four years to complete my XXXX XXXX XXXX in another state at a more prestigious University and I owe about four small automobiles worth of payments because I finished my XXXX XXXX in another state that did n't have scholarships available. After graduating XXXX XXXX XXXX, I make {$10000.00} less per year than I did in the year 2000. I 'm simply not making enough to pay the lowest amounts they insist I pay, so I file forbearances and deferments for hardship but feel I could pay something reasonable ( small car payment amount? ) but they just decline to accept it so my interest continues to accrue. I feel trapped in this vicious cycle.
Consumer complaint received 2021-04-29
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. (LA)

on XX/XX/2021, i sent letters to XXXX  and equifax disputing the inaccurate and incomplete items they are reporting on my credit report.i asked for verification to be mailed to me within 14 days of everyone involved in this process. because all inaccurate and incomplete items should be removed.
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have an auto-pay with XXXX XXXX for my monthly service. Due to a cyber attack I did not receive my XXXX bill. The last bill I received from XXXX XXXX was on XX/XX/XXXX ( auto-paid on XX/XX/XXXX ). On XX/XX/XXXX, I was charged by XXXX an amount that is {$10.00} more than my normal amount. My attempts to contact XXXX have been unsuccessful. Their site is down so I can't access my account ( attached is a screen shot of their current site ). I've tried to call several times and their call center is overwhelmed so my call is either disconnected noting they are experiencing abnormal amounts of calls and to call back or put on hold with a hold time of 50-59 minutes. I waited on one of these calls for 55 minutes to finally talk to a person who put me back on hold. After about 20 more minutes, the call got looped back to the normal customer service. I have even tried to send a private message on XXXX which fails. 


In good faith ( since I know my normal amount due ), I only disputed this additional charge with my Credit card company ( Capital One ). 

- After the first call on XX/XX/XXXX, I received an update letter with the incorrect dispute amount and asking for the information I gave over the phone. I promptly sent that back. 

- On XX/XX/XXXX, I received an update stating I didn't provide the necessary information. I called again on XX/XX/XXXX & was told they'd update my dispute amount and start the investigation again. 

-On XX/XX/XXXX, I received XXXX Dispute update letters. Two were the same as I received on 3/13 in different amounts ( one with for {$1.00} and the other for the correct {$10.00}. The third was to disregard the letter I received on XX/XX/XXXX. I filled out the one with the correct amount of {$10.00} and sent it back. I noted I don't have access to my account and can not contact the vendor. I put the website ( mydish.com ) and phone number ( XXXX ). 

-On XX/XX/XXXX, I received a resolution letter for the amount of {$1.00}. I called Capital one on XX/XX/XXXX and was put on hold for 45 minutes only to be told there was nothing they would do about this dispute because I failed to provide my bill showing I was overcharged. I tried to explain again that I didn't receive a bill and they refused to do anything. 
Credit card companies are supposed to protect consumers from issues like this & they did nothing to assist me. Im not sure what else to do except file a complaint since I cant get anyone to help me with this issue. 

Attached is the last Dispute letter I sent back to them and the screen shot of what I get when I tried to access my Dish account.
Consumer complaint received 2022-09-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I get at least XXXX calls per a day from portfolio recovery services. Sometimes they create static on the phone call when I answer that hurts my ear. They never let me ask any questions, if I start to ask a question they hang up. I want them to stop calling me and only contact me in writing.
Consumer complaint received 2015-07-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

So recently I have checked my Bank Account and found out I have a negative balance worth over {$500.00} from Wells Fargo. I am furious of the fact that they have never mentioned me about the overdraft protection fee when I signed up for Wells Fargo Debit card back in XX/XX/XXXX. I feel as if I have been taken advantage of just because I was still young at the time and I did not understand the whole concept of financial responsibility. It turns out as I checked through my previous months record there was also an reoccurring overdraft fee XXXX {$35.00} XXXX. I assumed a Debit Card was a card where you can use it as long as you have money in it and if you do n't happen to have enough money it wont go through. I recently found out about a overdraft protection fee yesterday and heard it for the first time. As I added up the total overdraft fee from last couple months of XX/XX/XXXX to present day it is estimated to be over {$1000.00} which I have paid without knowing any prior knowledge about " overdraft '' fees and this is just from late XX/XX/XXXX through present day. I strongly believe there were cases before XX/XX/XXXX where they charged an overdraft fee and I want to know how much they have charged me and want all the money back. I do not have an income and plus I am still a student in college working at a part-time job that only pays {$280.00} bi-weekly. I am upset and furious as a customer of Wells Fargo knowing that I have not been notified about overdraft penalty and taking advantage of me just because I was a student and young at the time. I am requesting Wells Fargo to give me back all the money I have given them ( overdrafts ) this past few years since I was a member of Wells Fargo XXXX XX/XX/XXXX-present ). This is not fair and I have done research myself and Wells Fargo seems to be known for their overdraft " scheme '' to customers if I may say. I am a customer from a low income family, accepted loans for education, and have a part-time job that can not pay off the negative balance I have with me right now. Again, I am furious and upset as a customer of Wells Fargo and want them to return the money back to me regardless because I have not been notified about overdraft protection the day I signed up for a Debit Card.