davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

A modification was completed on the first and second mortgages on my property in XX/XX/XXXX. My theory is that when servicing of my loan occurred in XX/XX/XXXX/XX/XX/XXXX, my new terms were not applied and my payments were not reduced. The previous servicer was XXXX XXXX, Attn : Mod-Imaging - CA XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I also filed for bankrutpcy around that same time. 

Every time I tried to speak to someone I would be told that I was calling the wrong place. I do n't speak English fluently and these banks are taking advantage of this.

In XX/XX/XXXX, I sent in another mortgage assistance application to Ocwen and they called me to tell me they received my application but that they only do refinancing and that I sent it to the wrong place. Please assist me in getting the assistance to keep my home.
Consumer complaint received 2016-12-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

I requested a XXXX VISA SIGNATURE CARD,, XXXX BANK XXXX REFUSED ME BASED ON AN EQUIFAX REPORT REFERENCE NUMBER XXXX. " Not enough accounts opened long enough to establish a credit history. '' I am a XXXX who lives in XXXX 6 months a year and Equifax should search my history based on my XXXX file and my social security number XXXX XXXX XXXX, I have a good credit history in XXXX.
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX and I am a victim of ID Theft and I need to dispute the last copy of my credit report that your company published, after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below, please send me copies of the documents that you have in YOUR files as of this date, what you used to verify the accuracy of the accounts listed below. Under the FCRA, 15 U.S.C Section 1681g, I have the right to demand that you disclose to me all documents that you have recorded and retained in your file at the time of this request concerning accounts that have been verified? Please send me copies of the documents you have in your files to verify accuracy and please do not respond to my request by saying that these accounts have been verified, # XXXX ..., # XXXX, # XXXX, # XXXX and # XXXX. Please also investigate all inquiries and I am asking for them to be removed and my credit score adjusted. My previous addresses, if you need my previous police report can be faxed upon request. Please under Section 611 ( a ) ( 5 ) ( A ) ( I ) by publishing these inaccurate and unverified items on my credit report and distributing them to third parties you are damaging my reputation and credit worthiness.
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

incorrect information on the credit report. Not certain where did they get this information from. The following address and phone numbers belong to someone else and do not belong on the credit report : XXXX XXXX XXXX  XXXX, ny XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, ny XXXX XXXX XXXX XXXX XXXX, new York XXXX these phone numbers definitely belong to someone else and should not be on this credit report : XXXX XXXX XXXX 2XXXX XXXX  XXXX XXXX XXXX XXXX XXXX all of those address and phone numbers belong to someone else.
Consumer complaint received 2021-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

On XX/XX/2021 I entered the HSBC app to close my account # XXXX. I got a reply back saying they closed my account ending in # XXXX and my other account I am co-owner with my retired father. # XXXX. I called HSBC immediately to confirm accoutn ending in # XXXX was not closed and still active.Spoke with someone and they confirmed # XXXX was active. On XX/XX/XXXX, I could not access my account balance for # XXXX. I could still access my account ending in # XXXX. I emailed support to confirm to not close my account ending in # XXXX. On XX/XX/XXXX, HSBC confirmed my account ending in # XXXX was not closed. 
On XX/XX/XXXX I checked my HSBC app and account # XXXX was closed. I immediately called HSBC to open a ticket to reverse this error and have not heard back fro them since. I told them my Dad has direct deposits set to credit on XX/XX/2021. My Dad does not have enough time to change or modify these payments I have not heard back from HSBC on account status.
Consumer complaint received 2017-10-05
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. (NJ)

XXXX XXXX has not responded to requests to correct or replace monies from cashiers checks issued by banks they were assignees heridators or banks they have bought out : XXXX XXXX and XXXX XXXX XXXX I have 6 certificates of deposit which automaticAlly renew if not closed I have the passbooks several which. We 're held by my mother on bhalf of myself and it children in addition they have also refused to pay the certified checks issued by them or the banks they inheridited
Consumer complaint received 2022-03-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

On XX/XX/2022 I purchased {$28.00} worth of XXXX XXXX at CoinBase in order to make a purchase using my CoinBase card ( which is funded by XXXX ). 

The {$28.00} purchase later failed and my account was marked for recovery of funds. This is not a problem and has happened before. I clicked the steps to make a payment to cover the failed transaction and received a " Success '' message. I then received XXXX emails over the next 24 hours letting me know that funds recovery was " complete ''. 

My account remained locked, unable to use my funds. 

I have tried to pay several more times and have received the error " Too many transaction attempts '' for weeks. This obviously was caused by their system trying to recover XXXX times ( hence the XXXX emails I received ). 

I contacted CoinBase support via email on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. 

I called Coinbase on XX/XX/XXXX and after an hour long phone call was told to wait for an email response. 

The last response I received from CoinBase was on XX/XX/XXXX and was an automated message stating " they were aware of my issue ''. 

I have attempted to contact them twice more ( XX/XX/XXXX, XX/XX/XXXX ) via responding to my ticket and have received no response. 

I have not received an update from a human being since the XXXX XXXX XXXXXXXX. 

The case number is case # XXXX or # XXXX
Consumer complaint received 2017-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my last resort before I turn to a legal counsel. I sent a letter to this credit repository last XXXX XXXX, 2017 to dispute how incorrect and inaccurate pieces of information on several accounts in my credit report. The payment history is inaccurate/incomplete, and I informed this company about the errors violating FCRA. Furthermore, I disputed these items with XXXX same time I disputed these items with this credit repository. XXXX  removed these entries from my credit report. What possible documents did this credit repository used in their investigation that XXXX was n't able to get or that these creditors did not provide to XXXX? Do n't you think this is a violation of FCRA? Up to this day, this company still is reporting the same incorrect, inaccurate and incomplete credit entries.
Consumer complaint received 2017-10-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX days past due as of XX/XX/XXXX XXXX days past due as of XX/XX/XXXX XXXX days past due as of XX/XX/XXXXXXXX days past due as of XX/XX/XXXX Charge Off as of XX/XX/XXXX to XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-03-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC. (WA)

Please explain to ME how someone that owns the title, has ALL the utilities and insurance in her name, ME... AND all the taxes including exemptions are also in MY name ... should be required to pay PENNYMAC or FHA money to remove my ex-husband from the PAPER known as MY loan? These predatory service providers would like nothing better than for me to utilize my equity to further in enslave myself to their practices. When in fact I have been awarded through divorce, quit claim and by paying ALL the above stated taxes insurance etc. I am asked to QUIALIFY? I have been asked to send them copies of my bank statements etc. Actually, PENNYMAC spent huge amounts of money just to change their logo! A more prudent use of cash would be to assess and review their policies. They have spent more than {$300.00} in mailing me THEIR dogma. Even if I were to utilize " squatters rights '' I have met the burden of proof by not only living here more than 20 years ... Washington State law only requires 10 years to claim direct ownership by adverse possession. My ex-husband has not lived here nor entered the property since 2018. Maybe PENNYMAC should pay me for keeping HIS name on MY paper.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a Capital One XXXXXXXX  card. The card has a high-interest rate. I transferred the balance to a new card. The XXXX card had a {$0.00} balance. The balance of {$4200.00} was paid on XX/XX/XXXX. 2024. I was charged {$61.00} in interest on XX/XX/2024. I called Capital One on XX/XX/2024, to request the fee be waived. The refused to do so.
Consumer complaint received 2017-10-05
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FORD MOTOR CREDIT CO. (OH)

Calls are everyday -today ( Thursday ) at XXXX, yesterday Wednesday at XXXX, Tuesday XXXX -- it just never stops. I told them ( XXXX XXXX XXXXy ) to stop calling me. My case is in litigation because I purchased a lemon. I let them know the {$200.00} would most likely be solved then. They just never stop. The company sent me a payment for my " Troubles '' they sent it XXXX late.
Consumer complaint received 2018-06-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I submitted a dispute with Experian of incorrect information on my credit report regarding a bankruptcy. Experian initiated an investigation that resulted in Experian reporting that the US Bankruptcy Court of XXXX verified the information as accurate. I have reached out to the US Bankruptcy Court of XXXX and have written proof that the US Bankruptcy Court of XXXX does NOT verify bankruptcy information with credit bureaus ( please see attached email ). This leads me to believe that Experian really DID NOT verify ANY of this incorrect information and told me ( the consumer ) untrue and inaccurate information regarding this dispute. Per the National Consumer Assistance Plan ( NCAP ), effective XX/XX/2017 : Public record data must have your name, address, and either your Social Security number or your date of birth AND The data furnisher of the public record information must visit the applicable courthouse at least once every 90 days to obtain newly filed and updated public records.
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (MI)

A new account in collection was added to my credit report, then followed by a letter. None of the account information is anything I have ever opened on my own behalf in my name. The collection was either added by mistake or I could be a victim of identity theft. 
I asked for the written agreement and signatures along with any other info when the account was opened. That could not be produced. This is a red flag - how can a collection be placed on my credit file with no supporting info except my name ( which isn't even correct ) and an old address. This info is easy to find on the internet, I don't understand how these practices can happen without proper investigation.
Consumer complaint received 2021-07-08
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. (TX)

I spoke with Transunion represenative who refused to remove these inaccurate Hard Inquires from my credit report..I was even transferred to the fraud dept and I informed them that these are not my inquiries and they did not seem to care.. XXXX  has already removed these inquires from my credit report ... 
The following inquiries that should not be on my report are I did not authorize 1. XXXX  XXXX  XXXX XXXX 2. XXXX XXXX XXXX
Consumer complaint received 2021-07-05
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. (IL)

This letter is a formal complaint that Credit Bureau has reporting inaccurate and incomplete credit information on my Credit Report. 
I understand that mistakes happen but their inaccurate information could cost me in higher interest rates and I have enough expenses as it is. I been sending to the bureau disputing letters numerous times I have green receipts proof from post Office of delivered my letters but Bureau has neglected my request. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 
1. The wrong amount is being reported XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. I have never been late with payments on this account. 
XXXX XXXX XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Consumer complaint received 2017-10-05
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: EQUIFAX, INC. (TX)

I requested to have the XXXX XXXX Bank trade removed from all CRAs. 

XXXX XXXX XXXX, XXXX Edition, XXXX, defines XXXX as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they  report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

I have received no documentation with my signature that this is my account. Violates my rights under FCRA. Please remove this fraudulent trade from all CRAs.
Consumer complaint received 2017-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I AM FILING A COMPLAINT ABOUT BANK OF AMERICA. 
Someone stole my ATM card without me knowing when, XXXX XXXX, XXXX they proceeded to use my card on line and then at an ATM withdrew over XXXX in XXXX XXXX I was told taken out of my account I have never taken large amounts of money out of my account, and I asked them to review the video of the thief and they would not let see the video to see if I recognized the criminal. I. I went to file police report when they told me I need it to open a case. I was at Bank of America on numerous occasion trying to get my money. They closed the case and kept {$1900.00} my checking and savings money. how can that be right? I am a hard working woman, not a crook or criminal, I have no reason to be treated this way. It has been 3 months with no answers yet. Then they had the nerve to tell me they closed the case could n't pay my bills, lost my apartment, and on the verge of losing my car. On top of that I am have an XXXX XXXX, because I was treated unfairly. I went to the police department again to complain about the bank and they threatened to put me in jail if I came back. What kind of people do this I need a resource to help me get my money back from crooked Bank of America, who said its not their fault. Well I did not commit a crime they did. This is case # XXXX.
Consumer complaint received 2017-10-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX XXXX, is listed on my Transunion report for a debt amount of XXXX. I have never received and documentation about this debt owed. Furthermore, I have no idea what the debt is for, and should be removed immediately to show my true credit identity
Consumer complaint received 2017-10-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NY)

I was sued by XXXX XXXX XXXX. They took a default judgment against me for an amount way more than the original amount of debt as well as I was NEVER served. Now they are trying to garnish my wages. I finally got a copy of the affidavit of service which is beyond false. It is fraudulent. The affidavit of service states I was served on Friday, XXXX XXXX, 2014 at XXXX XXXX at my home. I was at work almost 25 miles away. It also gives a description of me having XXXX hair. I do not have XXXX hair nor have I ever had XXXX hair as I am XXXX and XXXX eyed. I feel this judgment was improperly taken. I also feel that the process server, XXXX XXXX XXXX ( XXXX XXXX ) should be held accountable for signing an affidavit of service before a notary public which is false.I have already paid {$1000.00} of this debt which is MORE than the original amount.
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (DE)

I am filing this complain because Equifax has ignored my request to provide me with the docs that their company has on file that was used to verify the accounts I disputed. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly DELETE all info that ca n't be verified. Please fix this matter
Consumer complaint received 2017-10-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (NJ)

This is Regarding XXXX XXXX Student loan borrowed for my daughter and I Cosigned. Loan amount of {$26000.00} borrowed on XXXX/XXXX/XXXX to the renowned Education institute XXXX. My daughter graduated successfully with GPA of XXXX with Dual degree ( XXXX XXXX Program ) with her hardship and managed to get a job in XXXX XXXX XXXX. As a reward to her hardship, we borrowed money from our relatives and paid off the principal with the agreement of payment in monthly. but I am getting charged from XXXX XXXX the interest of {$6100.00} for the past 3 years however i have paid {$25.00} per monthly towards interest. My daughter have written a letter to XXXX to forgive the Interest on the Loan as the principal has been paid. She already has Loans from XXXX XXXX, started paying monthly. But XXXX communicated through AES that it is denied. An entry level employer making $ XXXX in XXXX XXXX XXXX, Living in XXXX paying for 3 different loans and in addition to honor the exorbitant interest charged by XXXX is unfair and atrocious. It is practically impossible to live by paying for 3 loans, paying Rent, food and other expenditure with that money. We are ordinary middle class people did n't have enough savings ( hence borrowed in the first place ) are being sucked into these programs to keep up the value of education from renowned institution. We are being ripped off by XXXX ( Via AES ). so, Beware of Private Student loans from XXXX, it is not trustable and they do n't value your honesty, integrity or hardship. All they want is suck your blood to death no human consideration or fairness. Loan Program : XXXX, current interest rate is 9.320 % ( Really?? from a novice young student who wants to graduate and start their life )