davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-05
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (MD)

I purchased a XXXX XXXX XXXX at XXXX in XXXX XXXX, Md in XXXX XXXX. I signed the contract with the finance company Americredit. Im not understanding because I never made any payments to them. All my loan stubs and western unions said GM Financial. I lost my job in XXXX XXXX which was also my last payment. My car was repoed in XXXX XXXX. I 'm not sure the repo was conducted within the guidelines of the law. I was verbally told to come up with $ XXXX dollars in back payments or return keys which I 'd also be charged for within 5 days. Or I wasnt allowed to reclaim the car, when I went to retrieve my personal belongings from the tow company. I was never notified in writing that the car was sold at an auction. Never notified as to my rights to be present at that auction to bid on the vehicle. Also never notified in writing or verbally how much the vehicle sold for. Now my credit is shot and ca n't finance another vehicle due to the repo. I contacted a credit attorney and they lead me to you.
Consumer complaint received 2017-03-27
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: AMERICAN EXPRESS COMPANY (CA)

I am a recent victim of identify theft. I have reported it to FTC. In my recovery efforts, I requested for credit alert. I also discovered that American Express has erroneously reported to the the XXXX major credit bureaus, XXXX, XXXX and XXXX that I have had an open resolving credit line with them. I have no knowledge or record where that account came from. I have called American multiple times that the agent stated there was no such account, and therefore they would not do anything for me. 
I request that American Express investigate why that Unwanted credit card account has been opened and placed in my credit reports. Is it a situation similar to the many unauthorized accounts in the recent case of XXXX?
Consumer complaint received 2015-08-27
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NY)

At the beginning of 2015 the bank of American Express requested me to pay a annual membership fee XXXX {$.00} I phoned the bank and replied that I ' d rather cancel my bank account than to pay the membership fee. The bank said " No problem, it is only upon your wish, even though when you not pay the membership fee at the deadline of XXXX 2015, this bank credit card can continue serve you two months. '' Considering my available Points as high as XXXX on XXXX I consumed it with a balence of XXXX $ and tried to redeempoints for the statement credit. But to my dissapointment, the redeem function of America Express Website could n't run at all. I 'v already tried to do redeem with my rewards no less than XXXX times, but everytime I tried, the website showed me inevitably this " We 're sorry, the system is down and we are unable to process your request at this time. Please come back and try again later. '' _ this simply means undo! Now the bank insist me to pay the membership fee plus consume bill plus late fee plus interests, totally XXXX $ and all my rewards has to be abandoned. I 'v live chatted with the bank XXXX times but the bank could n't help me at all.
Consumer complaint received 2015-10-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CA)

XXXX XXXX, XXXX is effective BY OPERATION OF LAW. AT THAT POINT IN TIME WHEN THE NOTICE OF RESCISSION WAS SENT, THE LOAN CONTRACT IS CANCELED, THE NOTE IS VOID AND THE MORTGAGE IS VOID -- - BY OPERATION OF LAW
Consumer complaint received 2016-02-19
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (GA)

I am under a modification however Ocwen is reporting me late to the credit bureau-XXXX. This is erroneous. They are saying I am 180 days past due. This is wrong. I have my approval email enclosed for the modification which converted my mortgage from adjustable rate mortgage to fixed rate mortgage. I am tired of complaining and going through this Ocwen. My loan need to be service by a capable company.
Consumer complaint received 2015-06-16
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

I opened a credit card with XXXX/ XXXX XXXX bank in XXXX and it is now XXXX. I stopped making payment in XXXX and have not sent in a payment since. It shows on my credit history i made a payment of XXXX dollars when i never did. I 'm not sure if this company that sent in a small payment to keep my account open but now i am receiving letters that i owe the XXXX and that my account wo n't be taken off my credit till XXXX. That is a 9 year span of time when it should have been removed a year or XXXX ago. MCM midland credit management ( XXXX ) XXXX seems to have my account open and i need this to be removed due to the fact it 's legally been over the 7 year mark. Thank you so much and i hope i can get some advice on what steps i need to take.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Hi, On  X/XX/27 , I submitted complaint  XXXX  against  XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX   ) i n regards to unauthorized credit card charges  XXXX  was attempting to collect.     Even though this dispute is ongoing and still under review by  XXXX   ( and now CFPB ),   XXXX  has continued to assign late charges to this account and notify each credit bureau that I am " delinquent '' in repaying.     On  X/XX/27 , I sent letters to each credit burea u (   XXXX ,   XXXX   and Equifax ) with documentation of the dispute and status. As per the Terms and Conditions of  XXXX  's Cardmember agreement-  XXXX  can not not notify any credit bureau that an account is " delinquent '' if those charges are being disputed.     I have received correspondence back from each credit bureau that they have requested additional information from  XXXX  and have placed " fraud alerts '' on my credit report- however,  XXXX  continues to report my account as delinquent and the credit bureaus have not removed this detail.     As of  X/XX/17 , my credit reports reflect this disputed account as 60 days past due, and my credit score has been dramatically reduced. Also- I 'm not sure how my phone number was released or sold, but I 'm now receiving " credit help '' calls which I have to block.
Consumer complaint received 2015-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

We have payed over {$80000.00}. on our rental property this year. The mortgage balance is now {$3000.00}. We sent in our payment of {$1500.00} on XXXX XXXX. 2015. Check # XXXX. The amount of the payment due is {$500.00}. The payment represented our payment plus extra payment on the principal. Ocwen mortgage put in the wrong account. Our acct. # is XXXX. We have called numerous times but they refuse to give us credit even though we sent proof from the bank that the money was deposited into acct. # XXXX instead of our acct. Now they notified us the house is being placed in foreclosure with all the extra fees plus late charges. We have sent them certified letter explain what they did but they are ignoring us and saying they did n't receive the XXXX payment. We are senior citizens and need help to stop these crooks. We have never been late and we are paying this house off 25 years early. We understand that this a common practice with this company. Please help us or send us in he right direction for assistance.
Consumer complaint received 2021-06-04
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: Experian Information Solutions Inc. (FL)

I sent a letter to all three credit report explaining my situation and the purpose to have a good credit. Recently my XXXX  was XXXX and they subtracted XXXX points because I open a new credit card and I think it is a lot of points and it is a mistake. My credit score instead of going up goes down. I dont have late payments and my credit uses it is not to high.
Consumer complaint received 2016-03-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

My Mastercard with USAA was compromised, and I was a victim of Identity theft. I was checking online for a statement since I did not receive one for the current month and there were many charges from XXXX listed. I never made ANY of these charges, and my concern is why did n't the USAA Fraud / Security department alert me to these charges. I have had the Mastercard since XX/XX/XXXX, and have NEVER purchased anything thru XXXX. The first charge was on XXXX XXXX, XXXX and continued thru XXXX XXXX, XXXX. There were XXXX charges to XXXX XXXX, totaling over {$9000.00}!!! When I called USAA, all I got was : " gee, I 'm sorry. I do n't know how that could have happened. You must have fallen thru the cracks! '' How can I have confidence in a company that does not monitor accounts? All but XXXX of the charges have been credited, the account was closed and I have received a new card. But there are XXXX remaining charges from the same XXXX XXXX, totaling {$1400.00}. I have tried 4 times to get someone from USAA Fraud/Security to correct these charges. First on XXXX XXXX, then on XXXX XXXX, then on XXXX XXXX, and finally today on XXXX XXXX. After being " On hold '' for 20 minutes each time, I spoke to a rather incompetent agent who merely said " Wow, there 's alot of charges and credits. I 'm sure it will be fine. '' I still have {$1400.00} outstanding that I did not charge. He did n't know what to do, so I asked to speak to a supervisor. After being " On hold '' again for about 7 minutes, he said he 'll take care of it. What?? I want to speak to a Supervisor. He said they 're too busy now and will call back. That was 4 hours ago. I am very upset and frustrated with USAA, who portrays itself as an aid to military- ( my husband and daughter are military. ) The fact that this happened in the first place is very upsetting, but the fact that USAA is not trying to resolve this is more concerning!
Consumer complaint received 2022-08-09
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: Experian Information Solutions Inc. (OH)

There are accounts that are reporting when there wasn't consent to allow them to do so. There are things on my report that is not accurate. I asked them to be removed and they refused to remove them. I placed a dispute and as quickly as I disputed the item ( s ) they were " verified ''. They would not tell me how they verified.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I had a revolving account with XXXX XXXX that unfortunately due to loss of employment I was unable to maintain. On XXXX I settled the account in good faith. XXXX XXXX XXXX updated the account as settled within 2 weeks as " {$0.00} balance past due '', after XXXX XXXX reported the settlement. Equifax did not update their records. When I initially reached out to Equifax they informed me its up to the original creditor & advised that I reach back out to XXXX XXXX to correct this issue. Following the advice I reached back out to XXXX XXXX & the general manager manually sent the 2'nd update to Equifax on XXXX. I waited over a week with no response from Equifax, I called them again to simply update the account & they refused. I disputed the XXXX XXXX account with Equifax for the same reason as stated above " balance not reporting accurately '' I could not upload the letter of my successful settlement on the Equifax website, so I faxed the document over twice & sent it by regular snail mail. Equifax still refuses to correct their reporting. I thought the system was built on truth and accuracy. I am a few points short of obtaining a mortgage for me & my family, Equifax is making sure me and my family stay XXXX
Consumer complaint received 2016-06-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc. (FL)

I sent letter to debt collector/creditor to verify debt I received no response and/or documents. I mailed letter on XXXX XXXX and have proof from post office verifying this. I have complied with all credit reporting laws and have given the appropriate time to respond and would like this matter resolved and deleted from all credit bureaus.
Consumer complaint received 2016-05-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

Our clients submitted a loan modification to Ocwen and were given a single point of contact XXXX XXXX. During the process of loan modification, they were concerned about the pending foreclosure action that was ongoing and were fraudulently advised several times " not to worry about the foreclosure action of default because they were being reviewed for a loan moidification ''.
Consumer complaint received 2016-02-29
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

XXXX XXXX Account Executive, XXXX # XXXX XXXX XXXX Processor, Retail PennyMac Loan Services , LLC Both reps were rude and not friendly. They scheduled a closing date and tim, XXXX XXXX, 2016 at XXXX XXXX. No one showed up. Nobody called to cancel or to reschedule. I called to speak to a manager. It has been four days and no one has called. I have XXXX different closing disclosures. The XXXX one has me borrowing almost a thousand dollars more than what I owe. Plus all the loan costs have changed. The loan costs, other costs have all changed. WHY? One disclosure shows Title insurance went from {$400.00} to {$400.00}. Why have all the figures for each specific loan cost changed? Seems to me they are just playing with the numbers to fool me into signing. I NOW FEEL LIKE I CAN NOT TRUST THESE PEOPLE AND WANT TO CANCEL THIS REFINANCE.
Consumer complaint received 2015-04-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: BCB Investments LLC (IL)

The company has contacted my employer a total of XXXX times in the past 2 weeks. The company has NOT attempted to contact me at my personal residence or personal phone number. The company was alerted that he is calling a place of business and he should reach out via personal cellphone.
Consumer complaint received 2015-10-20
Product: Prepaid card — Mobile wallet
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (VA)

RushCard informed us on an update to their systems that would take place for 5 hours. As of this writing ( and 8 days later ), there are still thousands without their money. Their customer service lines either ring busy, disconnected, or with hold music that 'll last for an hour before another disconnect. This has happened for days. The only updates ever provided from the company regarding this are delivered via ONLY XXXX and XXXX ( and XXXX XXXX ' Instagram ). This has caused an outcry on social media as some uses have been without money even prior to the update.
Consumer complaint received 2015-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: NRA Group, LLC (KY)

I am writing to complain of obnoxious debt collection tactics used by national Recovery Agency, which I request be removed off my credit report. National Recovery states I have opened an account with XXXX, which I have not done any business with. I have been a victim of ID theft and have thus placed an alert on my report. I request that National Recovery Stops harassing me, and reporting negatively to the Credit Bureau about a debt/account I do no owe nor opened.
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC. (FL)

XXXX Bless,,, ,Im very concern about these medical bills that has my life a bit sour .... Iam XXXX,,, I 'm on XXXX/ XXXX ... .Before I became XXXX..I was on XXXX..Please overlook at this problem, I am trying to fix my credit, it is very hard when my income is counted for to pay my rent, vehicle, insurance, utilities, my child 's school,,,, such a small amount I recieve monthly,,,,, Please bare with me and consider removing those from my record,,,,, also for the XXXX I sent them the boxes two years ago,,,, and as of XXXX,, I have XXXX and I am paying faithfully every month,,,, my van 2004 XXXX XXXX XXXX,,, Iam the cosigner, my father is the XXXX signer,, though I am the XXXX paying the auto loan XXXX faithfully for the past 3 years it is not fair that I do not receive any kind of credit! please consider ... ..Thank you great fully and sincerely!! Hope to hear from you soon!
Consumer complaint received 2016-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This dispute is being written in response to in-accurate crediting reporting on behalf of XXXX, Account XXXX I have been trying in vain to get this company to confirm that this is indeed a valid debt by way of sending me documentation indicating paper work I signed agreeing to open this account, statements and any other documents verifying the validity of this account. I have reached out to this company by letter, phone calls and fax continually over the course of the last year. When disputing the information through " XXXX '' " XXXX '' and " Transunion '' XXXX Is indicating that the reporting is accurate however please note the credit report I have attached which states otherwise. " XXXX '' is indicating this is a closed account however " Transunion '' and " XXXX '' are indicating the account is a charge off which is affecting my credit rating. I would like Transunion to change the reporting status of the account from " charge off '' to a " closed '' status which a representative from XXXX indicated would be done during a phone call on XXXX/XXXX/2015.
Consumer complaint received 2016-10-02
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: APEX Asset Management, LLC (NJ)

This Apex collection report showed up on my report magically without any warning this year. I need this false report removed immediately! I have been sending in a report every week and will continue to do so because I feel this is criminal activity and they should be fined at the very least or do jail time. I need something done about both Apex slanderous accusations or I will be hiring an attorney. This is most definitely criminal activity and needs to be resolved quickly. No one in my family has ever in thier life been to a neurologist. No one from any hospotail has ever contacted me regarding any {$15.00} balance owed for anything or else I would have asked for paperwork. Why did both of these {$15.00} charges just show up a couple of months ago when I supposedly owed it from 5 years ago? Remove it now!
Consumer complaint received 2023-04-14
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: W&A Intermediate Co., LLC (SC)

In accordance with the fair credit reporting act Wakefield and Associates account beginning # XXXX has violated my rights. 

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

15 0.5. 1681 Section 604 A Section 2 : it also states a reporting agency can not furnish an account without my written permission or instruction. 

In accordance with the fair credit reporting act Wakefield and Associates account beginning # XXXX has violated my rights. 

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

15 0.5. 1681 Section 604 A Section 2 : it also states a reporting agency can not furnish an account without my written permission or instruction.
Consumer complaint received 2022-08-09
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: EQUIFAX, INC. (FL)

I contacted equifax XXXX and XXXX and sent them my identity information to verify it was me and to have them remove the incorrect addresses off of my report, the incorrect names, the inquires several times and they did not. I told them I didnt authorize anyone to run my credit, and they did not ask for my permission to put these accounts and addresses and inquiries on my report. And I also told them that under 15 USC 1681a ( 3 ) they assumed this role without my permission and they did not respect my right to privacy. They never did anything to fix these problems.
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: JPMORGAN CHASE & CO. (FL)

I have been trying to get XXXX and XXXX to remove this item Now for over a year ... ... ... they keep verifying this as real with Chase and i keep requesting Validation which they refuse to give ... ... .from the information i do get it 's not my name ... ..it 's not my address ... ..and they refuse to verify Social security # ... ..i have sent letter after letter after letter ... ... ..finally Chase sent me a letter stating they did n't have the file with the documentation to support this debt ..a clear violation of the Fair Credit reporting Act ... ..but still nothing from the credit bureau 's even though i sent that to them as proof ... ... .i even tried to call the credit bureau 's ... they were extremely rude ... .they told me what their policy is ... when i tried to explain that their policy is not compliant with the law they said they would re-open an investigation but then nothing ever comes of it and they just move on with it on my report ..they had XXXX different social security # 's on my credit file XXXX of which did not belong to me ... .I had to ask them to remove them even though i sent them a copy of my Social security card they left them there ... .... attached please find not only the chase documentation backing up what i am saying they verify it but when i ask them to show me ... ..they say they ca n't cause they do n't have the doc 's to support it it 's like this never ending circle back and forth ... ..i even tried to get the credit bureau 's to bring chase on the phone and verify it with me ... ..Chase refused to come to the Phone unless i would sign some waiver and the credit bureau 's let that slide but when i told them that i was recording the call XXXX agent hung up on me and the other XXXX agents said they do not give me permission ... ... ..but they had to record me even though i refuse to give them permission ... ... it just never ends with them ... ... XXXX has already removed it due to unverifiable records and the company Chase says they sold it to XXXX has already removed it from all XXXX credit bureau 's with a very nice letter stating they it was unverifiable and ceased trying to collect ... ... Help please ... ... they refuse to ... .... attached PLEASE Find Documents from Chase themselves stating they do n't have the information cause they sold the debt ... ...