davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (AZ)

My complaint is that our house was foreclosed on XXXX/XXXX/2016. During this time our application for modification request was in review ( as noted on the XXXX Notes ) Please take a look at the letter dated XXXX/XXXX/16 where it states Ocwen was acknowledging the receipt of the application for assistance, when in fact, this request for assistance had been submitted back on XXXX/XXXX/2016 ( Listed on the XXXX Notes ) Also, please make note as to how many Ocwen representatives touched this file -- there should only be XXXX Single Point of Contact or Account Manager working the file. Due to the fact that Ocwen is a servicer for XXXX XXXX Bank, and under the scrutiny that XXXX XXXX has been under, here is another case that should be reviewed for the discrepancies by the Servicer, Ocwen. They created DUAL TRACKING and foreclosed on this house while in Modification Review.
Consumer complaint received 2021-07-11
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: EQUIFAX, INC. (MN)

My XXXX XXXX XXXX  MasterCard credit card account : XXXX is lost/stolen. There are fraudulent transactions listed on my credit card account. The following charges are are all fraudulent : XXXX, {$52.00}, XXXX XXXX, {$17.00}, XXXX XXXX {$23.00}, XXXX, {$26.00}, XXXX XXXX XXXX, {$32.00}, XXXX XXXX {$6.00}, XXXX XXXX XXXX$4.00}, XXXX {$31.00} and XXXX for {$52.00}.
Consumer complaint received 2017-10-04
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: Rocket Mortgage, LLC (OK)

On two different occasions, XXXX XXXX, XXXX, and XXXX XXXX, XXXX, Quicken Loans initiated unauthorized credit inquires. These were associated with unsolicited phone calls they made to me attempting to get me to renegotiate my existing mortgage with Quicken. I did not authorize their credit inquiries, and now fear I was a victim of " churning '' by quicken loans. I have subsequently discovered that these inquiries are affecting my " credit score ''. I received a third call from Quicken on or about XXXX XXXX, again they were attempting to revise my mortgage. This again, was an unsolicited call. Although I informed the caller I had not solicited them to call me they persisted in attempting to execute the transaction by suddenly transferring me to a " loan officer '' whom attempted to discuss my loan. At this time I terminated the call.
Consumer complaint received 2016-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

The XXXX XXXX organization sent my account to a collection company, XXXX XXXX of XXXX VA, without billing us directly. My family of XXXX has lots of XXXX medical issues in the course of a year, and in every case, we always pay our bill immediately, or in exceptional cases make arrangements to pay extremely large bills over a series of installments. We have a high deductible medical insurance plan, and routinely we pay over {$6000.00} in medical costs until the deductible is met, and when the deductible is met, our insurance faithfully covers the remainder. We use our local XXXX XXXX 6 or 7 times a year, at least until now, and we have never had any issues, and our credit reports demonstrates that we do n't have issues with anyone else. We first became aware that XXXX had sent a balance to collections with XXXX XXXX of XXXX VA XX/XX/2016 when my daughter required medical care. Naturally, as soon as we were informed that anything was outstanding, we paid the bill in full immediately at the front desk of XXXX XXXX. We contacted the credit bureaus about the matter, and naturally the erroneous information was " confirmed ''. This is an abusive practice and I can not fathom what business purpose it serves to take ordinary receivable matters in turn them into inappropriate collection practices.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

To whom these concerns, my name is XXXX XXXX, and this personal statement is being composed by me. The accounts mentioned in this
report should not be reflected on my consumer report as they violate the Federal Credit Reporting Act (FCRA). According to 15 U.S. Code 1681-BPermissible purposes of consumer reports (a) in General subject to Subsection (c) any consumer reporting agency may furnish a consumer report under the following circumstances and no other: (2) By the written instruction of the consumer to whom it relates. I never gave consumer reporting agencies my written/verbal consent or instructions to report anything on my consumer report which violates my rights as a federally protected consumer. No Consent Is Identity Theft. As a federally protected consumer, I am Demanding the deletion of these listed accounts. 

Additional
unauthorized hard inquiries: 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (WI)

I modified my mortgage through XXXX Mortgage company on XX/XX/XXXX and received a cancel debt for {$58000.00} which don't state it nowhere in the mortgage note, I've called serval times and talked to an XXXX XXXX about the balance and canceled debt, she stated that the balance shouldn't be that amount and also told me that mortgage had been sold to Rushmore mortgage company, I have been emailed Rushmore for them to explain but the only them they explain is the note. I have not been late or behind in mortgage since XXXX
Consumer complaint received 2017-10-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CO)

XXXX XXXX XXXX XXXX started the short sale process in XX/XX/XXXX. The current Foreclosure Sale date is XX/XX/XXXX. We have a very incompetent Rep with Chase. She has requested so many changes and we have had the current buyer since XX/XX/XXXX. She has requested 8 HUD revisions. That tells me she does not know what she is doing and it is very frustrating. I do not know if she does not know how to read a HUD or is just being very vindictive because I have gone to Chase Executive offices and  FHA/HUD/NOVAD. XXXX XXXX has complied with everything that the Chase has requested as well as myself. I understand that there are certain rules and regulations that need to be followed due to the type of loan. However, due to this being a Government Regulated loan while the property is in review for loss mitigation options the foreclosure sale date should be pushed out! I need some assistance with Chase so that XXXX XXXX does not lose this home to Foreclosure while it is in review for loss mitigation/short sale. Thank you
Consumer complaint received 2017-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

in XXXX XXXX, i transferred my account from XXXX XXXX into XXXX XXXX XXXX which # were XXXX and XXXX- XXXX- XXXX. i purchased a XXXX XXXX XXXX from XXXX XXXX XXXX for the # XXXX, and i brought with me an XXXX XXXX XXXX that i purchased from XXXX XXXX. at the XXXX XXXX XXXX store, i was told that the phone # ends XXXX can not transferred because XXXX XXXX did not release the # therefore, they gave a different # to replace the XXXX which is XXXX- XXXX-XXXX, and also told that the phone # XXXX XXXX XXXX is no longer in service. when i contacted XXXX XXXX XXXX regarding the bill that the sent me, the representative told me that the # is not in used, but i still need to make the payment because the line is open {$81.00}
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: COMMERCE BANK (MO)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit Plan as late for any purpose
Consumer complaint received 2017-11-29
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: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX and XX/XX/XXXX my social was given to many different banks to request credit without my authorization. I was told that it was ran ONLY one time and suddenly multiple inquiries were placed on my credit report. These inquiries were NOT authorized and when called to report them I was told they could n't be removed.
Consumer complaint received 2016-10-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (CA)

I closed my credit card account with Citi in XX/XX/2016. They even issued a refund check for the membership fee. To my surprise, i got a call from collection agency today letting me know that i am past due on the account. I login to my citi account and see that i have interest fee charge, late fee for 2 cycle. How is it possible when i closed the account? The interest charged was dated XX/XX/XXXX. I dont even have my credit card number anymore because i already shredded the card XX/XX/<YYYY>. I closed the account because the unsatisfactory customer service i received from Citi. Mind you i had Citi prestige card for several years and paid {$450.00} annual fee.
Consumer complaint received 2016-06-21
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: LCS FINANCIAL SERVICES CORPORATION (SC)

This is a debt that had past its statute of limitations years ago. It 's no longer on my credit report and was n't there even when I filed for personal bankruptcy in 2008. This company LCS financial called me and told me I owed tens of thousands of dollars and I needed to make a payment. The person on the phone then read me a disclosure at light speed and when I stated that I did n't understand what he said he said sorry to hear that. I told him I currently have no income, XXXX kids and no property so I was n't making any payment not to mention that I did n't understand the debt. The letter said I owed XXXX and the person on the phone said I owed XXXX loans totaling XXXX. I was then told that I had a phone so the whole XXXX kids no job 'excuse ' meant nothing to him. He finally marked it down as a refusal to pay. My husband then called back and talked to a supervisor and he was told that all the legal talk at light speed basically said that they knew the debt expired, they could n't take legal action and they could n't attach my credit report unless I made a payment. They were trying to trick me into hurting myself. It 's not right.
Consumer complaint received 2017-11-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On Monday, XX/XX/XXXX I noticed there was a debit/hold on my checking account for {$1500.00}. I called Bank of America and spoke to XXXX and then XXXX from the claims department. He told me they did not know what it was for and could not tell me until the transaction was processed. On Tuesday, XX/XX/XXXX, the debit was processed and I called back at XXXXXXXX XXXX when they open and spoke to XXXX. She was more than happy to try and help me, but could not. She transferred me to XXXX in the fraud department who told me it was a debit from XXXX XXXX XXXX for a forged check that was missing endorsement. The check in question I deposited on XX/XX/XXXX was from XXXX XXXX XXXX XXXX XXXX for a claim they paid. The check was made out to my husband and the check was endorsed by same. Bank of America then told me there was nothing they could do even though they had no back up or paper trail for the debit from XXXX XXXX. I then called XXXX XXXX XXXX XXXX XXXX and spoke to XXXX at XXXX XXXX who told me they have no record whatsoever of the " forged check '' from XXXX XXXX. The claim # for my report to Bank of America is XXXX and the call reference # for my complaint to XXXX XXXX XXXX XXXX XXXX is XXXX. XXXX XXXX will not speak to me because I am not a customer. Thank you.
Consumer complaint received 2015-03-24
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (KY)

After lowering my credit limit which left me over the credit limit I called to close the account. Before closing the account I want to discuss lowering my rate? Was told to close the account XXXX and then I would be transferred to that department after being transferred I was told since the account was closed the rate could not be lowered?
Consumer complaint received 2022-09-10
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ATG Credit, LLC (TX)

I have ATG Credit reporting on my credit report. I never received anything about this debt ever because they did not have an actual address of mine. They have a college tuition amount due when I never applied to their school or attended their school. I have spent 5 years at XXXX and I had a mailbox at the time this account was applied for now its reporting to 2 of my credit reports and decreased my score tremendously
Consumer complaint received 2018-03-15
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. (IL)

I am having a difficulty in having a bankruptcy removed from my Experian Credit Bureau Credit Report. 
They are indicating that the information on the report has been Verified. On the report it indicates that the report was furnished by the District Court. 
None of this information is accurate because the Court has indicated to me through a letter that they do not furnish information to any Credit Bureaus. 
What I know is that the credit bureau gets its information from a third party, XXXX which sells the information to them. XXXX being a " for profit '' company. 
Therefore, the information which Experian is reporting is not accurate as well as false information. This is a clear violation of the Fair Credit Reporting Act. 
I have sent multiple letters, on XX/XX/XXXX and on XX/XX/XXXX The company continues to maintain their position that the report has been Verified.
Consumer complaint received 2017-10-04
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: CITIBANK, N.A. (OH)

I am contacting your agency because I need your help in disputing some charges done on my Mastercard XXXX XXXX XXXX XXXX Citibank credit card by a fraudulent company. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid one company my phone got inundated with calls from these companies offering me their services. I would like you to investigate a all charges done on my card by a company called XXXX XXXX XXXX charged on XXXX/XXXX/2016 {$3000.00} and the have been charging {$99.00} per month since XXXX last year. I paid them after their persuasive salesperson made me promises of a very profitable online business.. I never made a penny.They kept saying how important their services were and would bring traffic to my website. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with the company and get my refund but they ignored my requests.I know its been a long time but I need your help in trying to contact my bank so they can open an investigation please. Thank you in advance.
Consumer complaint received 2017-10-04
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: CHECK INTO CASH INC. (TX)

on XX/XX/XXXX I was on XXXX XXXX and noticed an inquiry that I did not authorized, from XXXX XXXX XXXX. I immediately called the company and was told it would be 30 days to get a response. I filed a fraud alert with XXXX XXXX police department report number is XXXX. I kept calling the company, no response from fraud department. I emailed XXXX and have not heard back. It is now XX/XX/XXXX and the company has done nothing to help me. I did put a freeze on all my credit via fraud alert. 
Can you, thank you, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-10-04
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. (GA)

After finding out a XXXX XXXX security breach and learning that I was affect by the breach I received an alert, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX that three account had been placed on my TransUnion report. After checking the alert I notice that I did not own these accounts. I have no idea what and who these account are. There is no contact information for these two accounts. The XXXX XXXX XXXX. are already on my account ; why are they reappearing? Recently I disputed the SOL status on this account in question. A print out is provided in the drop box. I did call TransUnion, talked to a rep which stated that he did not see the accounts on my credit report. If this is not true, I am trying to prevent them from hitting my report.
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (AR)

I purchased a washer and dryer set from XXXX XXXX on XX/XX/XXXX. The order number was XXXX. I received the washer and dryer on XX/XX/XXXX. They did not work properly. The washer took one and one half hours to wash a load. The dryer took the same to dry a load. I called on XX/XX/XXXX and they sent someone to fix the washer and dryer on XX/XX/XXXX. On XX/XX/XXXX after he left I realized they were not fixed. I called them and said come and pick these up they do not work properly. They said the earliest time they could pick up the washer and dryer would be XX/XX/XXXX. They called later and said I would need to pay {$70.00} for the pickup. I went to the store on XX/XX/XXXXto pay the {$70.00} and make sure they were coming on 08/01/2017. The manager I talked to was XXXX XXXX. He said they did not charge for that type of pickup. He said the washer and dryer was still scheduled to be picked up on XX/XX/XXXX. No one came on XX/XX/XXXX to pick up the washer and dryer. 
XXXX XXXX refuses to follow their own written company warranty. This warranty is online in plain language. I will attach a copy.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 : It also 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 ) 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 2019-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (UT)

The alleged debt is well over 12 years old or more. We believe the debt was discharged in a bankruptcy but if not, was most definitely written off at least that long ago. We had not heard from XXXX : XXXX XXXX or the alleged current creditor Bureaus Investment Group Portfolio NO 15 LLC for over 11 years and suddenly in XX/XX/XXXX we got a notice from a collection company about the alleged debt seeking a settlement offer. At the bottom of this notice it said " because of the age of your debt you can not be sued for it and it can not be reported to credit reporting agency. '' When we talked to a paralegal friend we were told that if we submit any kind of response whatsoever, it will permit them to reinstate the claim on our credit record and have another 6 years to try to collect it. Therefore, we did not respond despite getting a new notice every few months. In XX/XX/XXXX we got a notice from a new collection company for the same alleged debt seeking to collect this alleged debt. On their statement was included the same information stating that due to the age of our debt we can not be sued and it can not be reported against us. And that making a partial payment will allow them to report back to our credit and reopen the account. Again we did not respond. Now today, XX/XX/XXXX we got a letter from yet another collection agency on this alleged debt threatening to sue and accusing of being is severe default on the account. No where on this new letter does it say we can not be sued due to the age of this debt. We have reason to believe that Bureaus Investment Group has reported this against our credit now and has illegally invoked collection practices on an account that was written off or filed in a bankruptcy over 12 years ago. The law states if we submit a claim denying we owe the account or anything that will cause the collection company to have to verify the company can then start the 6 years over and sue us for the debt. So we do not know how to resolve this without having this debt reinstated.