davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-02
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc. (NY)

the reverse mortgage lender ( reverse mortgage solutions inc ) provides a procedure for the struggling homeowners to short-sale their property. ( short-sale letter exh XXXX ) stating that " Once the process begins, an associate will review your application and contact you within 5 business days to discuss next steps. '' FHA 's parent agency, the U.S. Department of Housing and Urban Development, also has guidelines for lenders handling short sales. we have submitted a complete short-sale package both by fax and email on XXXX XXXX, 2015 ( see exh XXXX ) only to be told that the package was lost by the lender. 
we have resubmitted that package on XXXX XXXX, 2015 ( see exh XXXX ) of which the receipt was acknowledged by the lender. 

despite the clear short-sale guidelines by the lender and XXXX XXXX Department of Housing and Urban Development the lender is not responding to short-sale requests and seems to be purposely dragging the process unnecessarily and causing the home-owner, who is a XXXX citizen, additional financial and emotional hardship.
Consumer complaint received 2022-02-08
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. (MI)

These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

I have a Citi Double Cash credit card. It was incorrectly flagged for fraudulent activity on XX/XX/2023. I called Citibank Fraud Prevention Services as instructed online at XXXX. However, they were unable to resolve the issue in a timely manner because of an incredibly frustrating identity verification procedure. They asked for several phone numbers that belonged to me and told me they " did not meet the criteria for verification '' without elaborating what that meant. Then, they asked me if I had any other Citi accounts, which I do not. The only remaining option, apparently, was for them to send me a letter through the mail with further instructions, which they said might take 7 to 10 business days. I am unable to use my card during this time. I can not even cancel my card.
Consumer complaint received 2016-09-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My Bank account was closed and my money has not been returned to me. The bank wrote me a letter to tell me that my balance wont be returned to me, including the direct deposits from my job. 
My Cousin XXXX XXXX who lives in XXXX contacted me for help with paying for his Goods/products in XXXX. He told me that he contacted some of his acquaintance in the USA who agreed to deposit into my account any dollar amount they want to send to XXXX so that he ( XXXX ) paysthe beneficiary in XXXX Currency. This 's due to the difficulties the business Men and Women in XXXX go through in order to obtain Dollar for their foreign transactions. I agreed to help my Cousin after he promised that the money that will be deposited into my account will be from a genuine source only come from within the USA. I started receiving deposits in my account and acknowledged same before he remitted the XXXX equivalent to the beneficiary in XXXX. 

On XX/XX/2016, I noticed that my account was blocked and called Bank of America. I was informed that there was a fraudulent activity on my account hence the reason for my account being investigated. They refused to tell me what it was. This went on for over a week before a Bank of America associate finally called me to intimate me that a deposit of {$2000.00} was made to my account on XX/XX/2016 which the account owner did not authorize. I have contacted my Cousin about this and he gave me a name and phone number of the check bearer which i forwarded to Bank of America.I also asked them to look up the check bearer on the bank 's camera for arrest. 

Evidently, if the account owner did not authorize the said Check, then a stolen Check was deposited to my account in Florida. I am therefore seeking for an advice on how to go about this to clear my name from this and also my personal money including a direct deposit from my Job be released to me. I am willing to provide all correspondence from Bank of America and the Letter from my Cousin to me regarding this. 
Thank you The bank name is : Bank of America ( THE FILE # XXXX ) XXXX XXXX XXXX XXXX-FLORIDA, XXXX XXXX
Consumer complaint received 2016-06-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: National Credit Systems,Inc. (KY)

On XXXX XXXX, 2016 at around XXXX I called national credit systems at XXXX and was transferred to XXXX XXXX. I inquired about settling the debt for {$2000.00}, with the original amount being just under {$3900.00}. XXXX informed that she would have to submit a formal request to the original creditors, XXXX on XXXX, the apartment units I originally owed money to. When I asked about obtaining a copy of this formal request for my records she denied me this request and said I have no right to know what they are sending. I explained to her that as a consumer I felt I did have a right to a copy of this request since it has my name and it is a request for a financial settlement. I was again denied this request later in the day after being transferred to her supervisor, XXXX XXXX. On XXXX I reached out to XXXX XXXX who is XXXX and XXXX 's manager. XXXX also informed me that he is unwilling to provide me with the official request that was being sent to XXXX because it is client privilege and he does not have to release such documents. I asked him he could then provide me with a letter from the company to myself stating that they sent a formal request to XXXX on XXXX inquiring about a possible settlement for my account. He also refused to provide me with this letter. As a consumer, I feel that I am entitled to keep track of what this company is doing regarding my inquiries to settle this debt. Their refusal to provide me with any documentation of their attempts is making me question if they are really taking these actions at all.
Consumer complaint received 2016-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

I have been working with Equifax for a few months now, XXXX I think and they are giving me a hard time. I have XXXX accounts with XXXX that they are reporting 120 days late even though the account has a XXXX balance and I havent made a payment on it in months!! I dont know why they are doing this!!! They are doing the exact same thing to XXXX XXXX accounts. An account can not be 120 days late on a XXXX balance, it is just not possible!!!!! Its against the Fair Credit Reporting Act and the Fair Credit Billing Act ( I looked these up on XXXX. ) There are also XXXX judgments that have the wrong filing dates. No matter what I do and say, they refuse to do anything.
Consumer complaint received 2015-11-23
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Convergent Resources, Inc. (IA)

XXXX XXXX representing Convergent Outsourcing called XX/XX/XXXX in an attempt to settle up XXXX accounts they are trying to collect for XXXX Student loan Trust. While talking to XXXX XXXX she had stated that XXXX would settle for {$29000.00} and then the next day I was sent an email saying that XXXX would settle for {$43000.00}. I feel that this company is not a reputable company if not a scam. I have recently sent them a letter requesting them to send proof that these loans are valid since XX/XX/XXXX we filed bankruptcy on these loans and feel that they have been satisfied then.
Consumer complaint received 2017-03-08
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had a XXXXAmerican Express credit card that had accumulated XXXX world points on it. XXXX XXXX XXXX XXXX proactively decided to close my card with out telling me. Now I am not able to redeem my points and am wondering what gives them the right to steal XXXX points from my account????
Consumer complaint received 2022-02-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.
Consumer complaint received 2020-06-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

I sent a debt validation letter to the XXXX XXXX on XX/XX/2020 via certified postal letter # XXXX. I have attached that letter in which I asked for the following, The name and address of the original creditor A copy of the original contract between myself and the original creditor. 
The original application for this account with my signature A copy of the agreement authorizing your company to collected on their behalf of the original creditor. 
FULL detailed accounting history on the account and the calculations on how they reached the amount owe. 
Provide verification on any judgments connected to this account. 
Provide your license to collect in my state and your registered agent name with their address. 
Please show proof that the Statue of Limitations has not expired in my state for this account. 
Provide the date of the last payment on this account. 

I was the sent a 50 page account of text and incoming/outgoing phone calls Made on the account. That said the last payment was made on XXXX XXXX. There was no contract between myself and the original creditor, no application For the account bearing my signature, no copy of the agreement between the original creditor authorizing XXXX XXXX  to collect on their behalf. The form they sent with their License to collect in states did not have Florida listed. I live in Florida. No prof that the statue of limitations to collect had not expired in my state. After contacting XXXX  the account was deleted from my credit report but is still active on XXXX  and Equifax. How can the debt be validated without this information? This violates my rights under the fair credit reporting act.
Consumer complaint received 2017-02-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NY)

The following incorrect personal information is on my credit report and needs to be deleted. 

Incorrect Names : XXXX ( misspelled ) XXXX ( misspelled ) XXXX ( misspelled ) XXXX ( misspelled ) XXXX ( misspelled ) XXXX ( misspelled ) Incorrect Social Security Numbers : XXXX ( incorrect ) XXXX ( not mine ) Incorrect Addresses : XXXX XXXX, NY XXXX
Consumer complaint received 2020-10-17
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: Experian Information Solutions Inc. (NY)

I am victim of identity theft, I file a policy report and proof that some accounts in my credit report report do not belong to me. i been submitting disputes since XX/XX/2020 requesting removal of those fraudulent accounts please see attached. letters been sent, policy report and proof of identity
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Good Morning to all parties involved, According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with [ XXXX XXXX XXXX for the month of XX/XX/2023 ] to be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Consumer complaint received 2022-02-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I sent letters to XXXX, Experian XXXX  XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-02-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent letters to Equifax, XXXX XXXX  XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2015-05-19
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

I recently refinanced my mortage taking advantage of a HARP loan thru XXXX XXXX. The process went very smooth and on XXXX XXXX I closed on the loan at XXXX XXXX XXXX in XXXX IL. The funds of {$83000.00} were wired to Ocwen Mortage on XXXX XXXX 2015 and received into their XXXX XXXX Account. The same day of this deposit, XXXX XXXX 2015, Ocwen transfered ownership of the loan to XXXX XXXX. As of today, XXXX XXXX, 2015, Ocwen has not turned these funds over to XXXX XXXX to satisfy the payoff of this mortage. I have been in contact with Ocwen over the last XXXX weeks and have been assured that the funds would be transfered. 

This is a concern to me as I am now receiving letters from XXXX advising that I am deliquent and must pay as soon as possible or I will be in default. I have contacted XXXX XXXX and advised them of this situation as well.
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (AZ)

On XX/XX/XXXX I contacted Chime bank about an erroneous charge on my account in the amount of 300.00. Chime told me that the reversal was made but that it would take 4-5 business days for it to reflect on my account. On Monday XXXX my account was still negative with no reversal of the charges. Contacted them again and they have now claimed that the insurance company XXXX has not refunded the money even though I was told on XX/XX/XXXX that they had but I had to wait the 4-5 days for it to show. I am now on day 7 with no access to my account. Auto debits from other merchants are being bounced due to Chime not reversing the charges when they said they would.
Consumer complaint received 2017-01-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (IL)

I am currently in the Deed-in-Lieu process with Ocwen. My hardship paperwork has been in their possession for a full 9 months ( since XX/XX/2016 ). The process has been incredibly slow but now we are absolutely stuck because they can not find the assignment of mortgage. Without the assignment of mortgage, they can not complete the deed-in-lieu documents. And without the assignment of mortgage, it 's unlikely I can move the property out of my possession through a short sale either so I 'm stuck with very few alternatives.
Consumer complaint received 2015-10-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I have XXXX broken apartment Lease agreements ( not mine ) from my ex husband being reported on my credit I have sent XXXX letters asking them to be removed ( first XXXX in XXXX 2015 then every 45 days following ) and sent attached copies of my divorce etc ... They refuse to investigate or contact the leasing company to verify this info so I am at a loss of where to turn ... .The leasing co are XXXX XXXX XXXX and XXXX in XXXX XXXX Texas
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (DE)

I have had my loans since 2004 and was told at the time that they should be paid off in 10 years and I still have more than {$5000.00} left on the loan that was only a little over {$10000.00} I attended XXXX XXXX which is no longer in existence
Consumer complaint received 2024-02-15
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. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry XXXX/XXXX/XXXX.
Consumer complaint received 2020-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

There are 3 accounts that are being reported inaccurately. I reached out to the companies in writing XX/XX/2020. It is now XX/XX/2020 and they never responded in accordance to FRCA guidelines. 
1. XXXX Charge off 2. XXXX XXXX - 60 day late never been more than 3 days late 3. XXXX XXXX- 30 days late not true they fixed it but have not updated with credit bureaus
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TN)

I have attempted to dispute a public record with Equifax but the dispute keeps getting turned around in 2 days without resolution. I had explained that I am working out payment arrangements with the Original creditor ( XXXX XXXX ) and that I had not been served papers for this to classify it as Public Record. They had marked the judgement as Satisfied instead of removing the item that I have no record of. Reference Number XXXX
Consumer complaint received 2024-02-15
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. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.