davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

I have never had or agreed to an acct ending XXXX showing on my credit report. All balances were paid to them on another account and this is in error. Unless they can show paperwork where I agreed to this then they need to remove the {$150.00} immediately. I have documentation if needed
Consumer complaint received 2017-06-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION (FL)

On XXXX XXXX, I received an email from Simple Bank and was told my account is being closed. They will not allow me to pull the funds from my account and are saying they will send me a check at some time. They will not give me a time when the check will be sent. The account has always been in good standing.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-01-31
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. (NJ)

As recently as XX/XX/XXXX my XXXX score was XXXX and had been hovering between XXXX and XXXX for quite some time. Then as of XX/XX/XXXX it dropped to XXXX and as XX/XX/XXXX it was XXXX. 
I was not notified of any problem, prior to the drop. 
My inquiry with the three credit score companies disclosed that TransUnion was the culprit. And that XXXX XXXX had hired XXXX XXXX XXXX to collect a claimed debt of $ XXXX.That was the first I knew of it. 
I've had an auto insurance policy with XXXX, since XX/XX/XXXX, when I moved to XXXX  from XXXX I paid them each and every premium that was due them. XX/XX/XXXX was the expiration date of the last auto policy I had with them. I, also, had a Condo policy with XXXX which I kept until XX/XX/XXXX. Effective as of XX/XX/XXXX I had a new auto policy with XXXX XXXX XXXXXXXX XXXX XXXXXXXX.. 
Furthermore, XXXX reported me to the STATE OF Of XXXX XXXX, MOTOR VEHICLE COMMISSION for lack of liability insurance on my auto. I had till XX/XX/XXXX to prove to them that I was indeed insured. In a letter dated XX/XX/XXXX, they wrote that my XXXX XXXX registration privilege will not be suspended because you have provided proof of current automobile liability insurance ... ....
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (CO)

My American Express is closed and I paid off all my authorized charges before closing this account. American Express is still accepting charges to my closed account because they are still letting XXXX charge my account. I closed the XXXX account last XXXX, 2022 but can not get either XXXX or American Express to cancel these unauthorized charges leading to my closed account showing up on credit reports as 90 days past due and wrecking my credit score. I am tired of trying to get either of these vendors to listen to me and I am tired of wasting hours on the phone trying. Both accounts are closed. I requested AMEX to close my account hoping this would finally stop XXXX from charging unauthorized charges but AMEX still is accepting charges with out my authorization. 

I want them to stop accepting these charges and to finally realize my account is closed and I am not using a closed account. I closed this account myself to get XXXX to finally stop their unauthorized charges to the account I closed with XXXX in XXXX, 2022. Neither entity is responding.
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (NJ)

Me and my boyfriend been together for almost two years now and everything was going good up until 2months ago when money and certain things started to go missing and me knowing that its only us two living together and Im not doing it then it is very clear to me that hes taking things from me but here we are two years and 4 months in and every time we get in to a argument or disagreement he do something crazy or real messed up like take my card and dont come back for days but Im tired of having to pay off his debt when he dont even use the money on me. He has had my card for the last week and he wont stop trying to XXXX up my credit even after I pay something off he went and spent money again today XX/XX/2022 and I want to dispute every transaction he has made since last week.
Consumer complaint received 2021-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (DC)

Despite making timely payments to XXXX mortgage lender/Lakeview servicer, the organization has failed to make timely property tax payments resulting in penalty and interest accumulating on the account. Lender/servicer has also deducted amounts from the escrow account in excess than what was due for property taxes. 

Timeline : -Property tax bill issued XX/XX/XXXX XXXX showing {$1300.00} due for XXXX -LakeviewXXXX deducted {$1500.00} from escrow on XX/XX/XXXX XXXX for tax disbursement -Called Lakeview in XXXX to inquire about issue, and finally on XX/XX/XXXX, XX/XX/XXXX XXXX -Submitted waiver request form to XXXX on XX/XX/XXXX, to recover excess amount paid by Lakeview -Contacted XXXX to follow up on waiver request XX/XX/XXXX XXXX -Received reply from Real Property Program Specialist at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX XXXX who indicated no payment was ever received from Lakeview/XXXX -Sent letter to Lakeview/XXXX via certified mail on XX/XX/XXXX XXXX requesting a resolution to the nonpayment, penalty/interest issues and to correct the amount deducted from escrow. Also sent a digital copy of the letter using a form on the company 's website. 
-Received confirmation from Lakeview/XXXX  on XX/XX/XXXX that the letter was received -The accounts have not been corrected and there has been no response from Lakeview/XXXX to the XX/XX/XXXX letter.
Consumer complaint received 2017-04-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital One has been unwilling or unable to process an simple account transfer. When I went to complain, I found several other bad reviews of capital one " Filibustering '' customers to keep their accounts at capital one after the customer has decided to leave. 

I processed a transfer with XXXX at the exact same time, and XXXX processed their transfer in XX/XX/XXXX. Capital One has a variety of EXCUSES as to why they ca n't perform the transfer but the process is designed to get me to forget about it and leave my money with them. It 's a CON. I filed the proper paperwork. They should FOLLOW IT.
Consumer complaint received 2017-04-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Financial Credit Network Inc (CA)

I am an ongoing victim of I 'd theft and many different home addresses have been used to apply for credit and utilities. This outfit refuses to send proof of the debt along with the original file and my signature. If it is valid I would have no issue paying it.
Consumer complaint received 2017-09-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX posted a {$310.00} debt to my credit report. I have disputed with collection company and they still posted to report. By law I have a right to dispute debt within 30 days of receiving letter.
Consumer complaint received 2017-09-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX posted a {$310.00} debt to my credit report. I have disputed with collection company and they still posted to report. By law I have a right to dispute debt within 30 days of receiving letter.
Consumer complaint received 2021-02-19
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. (FL)

The credit bureaus are reporting erroneous information that is ruining my credit, I demand that they remove all badly reported negative accounts on my credit, and I need them to send me proof of the investigations in place.
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Onity Group Inc. (IL)

I Called the company listed below and inquired about information placed on my credit report {$31000.00} in 2006 and the representative asked for my personal information. Name, social security #, address, etc ... she stated that she did not have any information on me in their files or system, I then asked her that if i 'm not in your system then how and why is this debt on my credit report she could not give me an explanation, I then asked for the debt to be removed /deleted and she refused stating that i need to send a copy of my credit report, so i told her that i would file a complaint to get this issue resolved. 

the company is : OCWEN LOAN SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Consumer complaint received 2022-08-04
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Goal Structured Solutions, LLC (CA)

Launch Servicing is trying to collect amounts from me that are unfounded. I originally started paying the debt from another servicing company and could only pay a certain amount monthly which was a fair amount totaling around {$2500.00} from XX/XX/XXXX to XX/XX/XXXX. Launch Servicing then came with the amount totaling over {$20000.00} as well as false claims of me never paying saying I was behind in my payments when I paid in good faith every month. I am being harassed to pay for something I don't even have a clue as to where they are getting the information from. Apparently the previous servicing company didnt like the amount I paid month to month and turned the debt over to Launch after they lied about everything. I uploaded documents showing what I paid previously and it wasn't acknowledged but I rather was harrassed and told more information was needed when the facts are plain to see I paid in good faith previously the account didn't reflect how much I paid just an outrageous amount and no details as to where they were getting it from.
Consumer complaint received 2017-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (SC)

CONVERGENT OUTSOURCING AGENCY PLACED A COLLECTION ON MY XXXX AND XXXX REPORT REGARDING A XXXX ACCOUNT ON XX/XX/XXXX. THEY PLACED THIS ON THE CREDIT REPORT ON OR AROUND XX/XX/XXXX. MY SCORE ONCE AGAIN HAS BEEN LOWERED. I SPOKE TO THIS COLLECTION AGENCY AND FOUND OUT THAT THEY DID NOT HAVE ANYTHING IN THEIR SYSTEM. THEN AFTER A BIT ON THE PHONE THEY SAID XXXX RECALLED THIS ISSUE ON XX/XX/XXXX. THE COLLECTION AGENCY PROCEEDED TO PLACE THIS ON MY CREDIT ANYWAY. I CONTACTED XXXX IN PENNSYLVANIA REGARDING THIS ISSUE AND THE AGENT STATED THAT THERE WAS NO NEGATIVE ACCOUNTS IN THE SYSTEM ON ME. THIS IS GETTING A LITTLE OUT OF HAND WITH THESE COLLECTION AGENCIES. THIS COMPANY HAD A ACCOUNT ON FILE WITH XXXX THAT I TOOK CARE OF PRIOR TO BEING PLACED ON MY CREDIT. i STILL HAVE N'T RECEIVED MY CLOSED ACCOUNT LETTER. IM ALSO NERVOUS THAT THIS AGENCY WILL TRY SOMETHING IN THE FUTURE WITH MY REPORT REGARDING THIS ACCOUNT. I ALSO FILED A DISPUTE WITH THE CREDIT BUREAUS AS WELL. i WAS IN THE PROCESS OF BUYING A HOUSE AND THIS WAS NOT A GOOD THING FOR ME.
Consumer complaint received 2021-01-31
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: NAVY FEDERAL CREDIT UNION (SC)

I have attempted to reach NFCU on numerous occasions regarding this debt that I allegedly owe. I do not recall ever having a credit card with this company. NFCU is also illegally reporting inaccurate information. This account has been closed and charged-off for years and is still reporting monthly late payments. Which itself is grounds for it's immediate removal from my credit profiles. 

If this account is not removed I will be handing this over to my attorneys and seeking any and all remuneration under the law as this entry on my credit report is unlawful and has damaged my credit rating.
Consumer complaint received 2016-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

there are debts on my report that have been on my credit report for twenty years. But they are not my debt. XXXX, XXXX, XXXX XXXX and other company popping up with different Social Security Number
Consumer complaint received 2017-09-07
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)

After twice writing to Experian and XXXX asking for them to adhere to federal law sending me physical proof of these alleged debts they 're reporting, both times they have NOT and keep reporting these two fraudulent accounts as this infringes upon my consumer rights and also are violating my civil rights.The alleged debts they are reporting are from some company named XXXX XXXX and XXXX in the amount of {$4800.00} and XXXX XXXX with a paid charge off of $ XXXX.I have also reached out to the both of them to no avail.I thought Experian and XXXX were suppose to physically verify alleged debts before reporting.
Consumer complaint received 2022-03-29
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-04-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rent Recovery Solutions (GA)

Rent Recovery solutions is attempting to collect a debt I do n't owe them. I never established a contract with this company at all. Furthermore this company is in complete violation of the FCRA law which has tarnished my name by placing a negative tradeline onto all three of my credit reports.
Consumer complaint received 2017-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: National Enterprise Systems, Inc. (CA)

I received numerous phone calls from national enterprise systems on a false phone number. All phone calls are on XX/XX/2017 time stamped at XXXX am, XXXX,XXXX am and XXXX am with a number of XXXX. Then they called my place of employment on XX/XX/2017 when I am not supposed to be taking any personal phone calls. I also informed them on the last call on XX/XX/2017 that they were in violation on federal law and then hung up on the collector. This behavior is in violation of the harassment section of the fair debt collection act section 866
Consumer complaint received 2017-10-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (WA)

XXXX missed a payment due to financially issues. 
XXXX XXXX- called PHH Mortgage to make a payment- Was told I could not make a payment unless I have both payments I have tried to get PHH Mortgage to answer my calls- with no luck to getting  any call backs or understandings to why they would not work with me on getting my payments caught up. 

I was then served a default notice on my door. 
I contacted XXXX XXXX- Case Manager Her direct number was XXXX ext XXXX I requested a loan modification was mailed out a package that I filled out and mailed back. We never heard back from her or anyone concerning the loan medication request. 

I also reached out to - The United State Department of Housing and Urban Development- they placed me in contact with XXXX XXXX Once again we filled out the loan modification package- Again telling everyone that the Borrower and the Co- borrower were divorce in XXXX We never heard if I was granted the modification or not. 
In XX/XX/XXXX I received information from PHH Mortgage stating a FORECLOSURE- and listed attorney XXXX XXXX XXXX XXXX XXXX the letter  stated that XXXX XXXX remained Committed to working with me- HOWEVER- this was not the case In XX/XX/XXXX XXXX XXXX- sent me a letter with a payment - Again not indicating if this was the approval of the loan modification or not. There were payment coupons included- when I tried to get answers to what this payment was- I was not given information. 

I then received a call from XXXX with XXXX XXXX on XX/XX/XXXX- which followed with an email XX/XX/XXXX- he sent a form stating he needed 90 days of current bank statements- and 30 days pay stub. I have not heard back from XXXX- nor has he replied to my emails or phone calls. 
I was given different information- now being told because the information was not received 30 to 37 days before XX/XX/XXXX my house will be sold. 

I have called the attorney listed on the file- No response nor call back I have reached out to XXXX XXXX and not given any information besides I need to speak with XXXX- Though XXXX will not respond to my calls nor emails I have reached out to the PHH Mortgage which is saying XXXX XXXX now is serving my loan. 

AND -- the most important part the Borrower has NEVER been served nor will get any information today XXXX when she tried to call in to see what she needs to do to get an extension or to stop the forclosure
Consumer complaint received 2022-09-08
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. (FL)

I have a collection account XXXX XXXX on my Equifax credit report, Equifax still has not reported the correct first date of delinquency on my credit report. This debt first date of delinquency is XX/XX/2014. This debt was with another collection agency XXXX XXXX XXXX collection agency in 2014, I have attached the proof of this debt with this other debt collection agency.
Consumer complaint received 2017-04-12
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, 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 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

My Full Name is : XXXX XXXX XXXX. 
My Social security XXXX. 
My Date of XXXX. 
My current XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 
My current phone XXXX. 
My current job : XXXX. At XXXX. 
My Email : XXXX. 
Since 2021, I requested to agency Experian to removed all my outdated personal information : Old NAMES, Old Addresses, Old phone numbers. The Agency Experian didnt want to remove them, the last time I requested it again was XXXX XXXX. On XXXX XXXX I reviewed my credit report, I discovered that nothing was removed. For all those reasons I have been denied for loans and insurance.
Consumer complaint received 2016-08-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I have been dealing with Ocwen loan servicing for sometime now. I am currently in the loan modification process with a full complete package. While in the modication process Ocwen has a current sale date for XXXX. This is the XXXX sale date put on my house while trying get a modification. This is a violation of my CALIFORNIA XXXX. California XXXX Foreclosure Law. An attempt again to try to commit a Wrongful Foreclosure. There is no excuse that Ocwen can come with to justify this. The foreclosure notice is by a Duly Appointed Trustee. XXXX XXXX XXXX. Which does not own the debt who I would make payments to. CALIFORNIA XXXX SUPREME COURT RULING Feburary XXXX 2016 quoates that in its ruling. A BORROWER DOES NOT OWE THE WORLD AT LARGE ONLY TO A PARTICULAR PERSON OR INSTITUTION. ONLY THE PERSON OR INSTITUTION THAT OWNS THE DEBT AND PAYMENTS ARE MADE TO CAN FORECLOSE. PLEASE STOP BREAKING THE LAW NOW. No excuses. I am very for my life because of the great amount of STRESS OCWEN HAS PUT ME UNDER. I am currently under medical care for my XXXX XXXX. STOP BREAKING THE LAW.
Consumer complaint received 2024-09-12
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. (FL)

I reviewed my Consumer Reports and noticed that I had XXXX late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided. I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.