davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-09
Product: Debt collection — Mortgage
Issue: Communication tactics — Called after sent written cease of comm
Company: Onity Group Inc. (OR)

For the last XXXX years, every morning, XXXX days a week, at XXXX Ocwen calls the above number. We do not answer because we have a representative that is handling all communication with the lender. Ocwen has been instructed a number of time to please contact that representative, but continues to call every morning even though our representative has been in contact with them on a weekly basis. Ocwen never leaves a message. They call repeatedly in the mornings. One call after another, then they attempt to reach me on my cell phone from an unlisted number throughout the day, and do not leave a message. Yesterday, morning, XXXX/XXXX/2015, I answered the phone. I let them know that I have written a letter to the XXXX of Ocwen regarding our situation. I said I would not speak to anyone until I received an answer to that letter. I asked that they not call again, or I would submit a harassment report. The calls continued throughout the day and again this morning.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud.XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX EQUIFAX MTG  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry XXXX, XXXX  Inquiry Date XX/XX/XXXX and EQUIFAX MORTGAGE SERVI Inquiry XXXX XX/XX/XXXX
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (MI)

Today is XXXX XXXX after checking the consumer report I noticed Chrysler Capital are reporting information without the prior written consent of the consumer which is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2019-09-29
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: Westlake Services, LLC (LA)

I did not apply for credit with this automotive dealers for car credit and ask that they furnish written documentation of application for credit approval. I never visited these dealers. I am presently in Chapter XXXX and not allowed to apply for credit without consent of the courts. 

XXXX XXXX XXXX Westlake Service Inc XXXX XXXX Unauthorized written consent to request my credit file from XXXX ... ..
Consumer complaint received 2017-10-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

This morning I saw that the Pennsylvania AG filed a lawsuit against Navient and felt vindicated ; what the Pennsylvania AG is claiming Navient has been doing is EXACTLY what has been happening to me for years with that entity. I have loans that I incurred for my children. The monthly payments were close to {$500.00} a month which I could not afford. I REPEATEDLY asked if I could make lower payments and was told I could NOT. What they could offer, however, was a forbearance which I thought was self-serving because it only caused my loan balance to soar over time. I felt this practice ( not allowing folks a payment they can afford ) was wrong, but as a single individual, was n't sure how to take on a company as formidable as Navient. I am GRATEFUL the Pennsylvania AG is taking them on for us and would like California to consider doing the same. If so, I am IN and would freely offer my testimony as to my experience with Navient. I 'm sure there are thousands just like me who have been disallowed a lower payment and have felt as helpless and taken advantage of as I have.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX Account # XXXX 30 days late in XX/XX/2021. 

XXXX. XXXX XXXX Account # XXXX 30 days late in XX/XX/2021.
Consumer complaint received 2022-08-15
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 — Investigation took more than 30 days
Company: Goal Structured Solutions, LLC (TX)

On a call with Launch Servicing prior to XX/XX/2022 I was told by a representative that my payment was still needed from XXXX. I initially called Launch servicing to complain about there lack of communication and clarity on my new loan, but all was fine. On this call I was ready to pay for my previous and upcoming payment, but out of time convenience I asked the agent if I can the next day. Paying on this phone call was no issue and my bank statements/ available liquidity on file during this call would prove this to be true. Unfortunately, the Launch Servicing agent told me it was no issue of me paying the next day, assuring me I would get no late payment on my report as long as it was done by then. Even doubling down explaining that they would grant me a 1 time removal of generosity if the system was to flag me. The next day I placed the payment and was hit with a late payment on my report ( my first ever late payment and my credit dropped nearly XXXX points over night. I was XXXX years old with a huge focus on building my credit and have done everything for this to never happen ). When I called Launch Servicing the next day they told me they ended their " 1 time removal of generosity '', the day before being the last day, also the day I first spoke with them and was given the reassurance. This is unaccepetable and unfair to me quite frankly and I have everything documented that proves the negligence toward me as a first time borrower that has never had a late payment. I have been back and forth with them now for 8 months and neither XXXX or Launch Servicing seems to care about the situation. Please help this is my first, only, and a false late payment which affects my credit greatly. 

Im unable to upload any files so i uploaded them to this XXXX XXXX that you can view with this link : https : XXXXXXXX XXXX
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (GA)

I don't why it happened but I know for sure that this inquiry is not authorized by me and was done by that creditor without my consent! You must remove this as soon as possible.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

The XXXX website is having serious isssues. I was able to obtain my Transunion report, but I had to refresh my browser and print to PDF instead of being allowed to save. XXXX then threw an error and told me I had to do it by regular mail, and the main XXXX interface skipped right over XXXX.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

The only address that should be reporting on my file is " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX '' Kindly delete the addresses listed bellow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MI)

I opened a credit card for The XXXX XXXX XXXX through Comenity in XX/XX/XXXX. The first purchases and payments processed as expected. I typically pay all my bills using by bank 's online bill pay service, and give sufficient time for the payment to be mailed. And I always pay the entire balance. 

My next 3 bills were paid in the same way through my bank 's online bill pay. Yet all of the payments posted 1 day after the due date. At first I thought maybe I made a mistake and did not give sufficient time, however my payment in XXXX was sent 2 weeks before the due date. Not a single other payment to another credit card company or utility arrived late that month, or any other month for that matter. 

When I called their customer service, they were willing to waive a single late fee, but essentially said that because I did not use the ACH feature on their website, they could not guarantee a mailed payment would arrive on time. 

While frustrated, I decided to make the last payment through their ACH feature on their website. I submitted my bank account information on XX/XX/XXXX, for the entire remaining balance. The due date was XX/XX/XXXX. 

I also requested that the account be closed, as I will not longer be using this card. I received an email confirmation that the account is closed. 

This weekend I received a bill for {$2.00} as a finance charge, which was assessed on XX/XX/XXXX. It is not clear to my why I would be assessed a finance charge when I paid the entire balance and the account is supposed to be closed. 

While collecting documents for this complaint, I realized that all payments, except the XX/XX/XXXX payment, were actually completed by ACH, so Comenity should have received the money very quickly. Making their finance charges and late fees very suspicious for fraud.

I am concerned that Comenity is applying late fees and finance charges inappropriately, and that many consumers are paying fees unnecessarily. I also suspect that someone is holding check payments until after the due date, purely to be able to assess late fees and finance charges.
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the last 10 years i 've had a couple of wild things happen to my credit but today I 'm complaining to this extent bc I 've reached my patience threshold. Noticed a tax lien ( lol ) and large collections for some credit cards ... thought maybe it was a mistake and perhaps it was because of a name mix up with the bureaus no.. this is simply what happens when your company is based solely on trying to charge for services instead of focusing on the families that rely heavily on their credit scores. Enough ranting, I did attempt to contact XXXX but no luck and nothing came from disputing directly so I feel like i 'm running out of options. Im attaching some required documents per one of the govt sites i 've been to. thank you for taking the time to hear me go on.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Capital One Card Services still shows that I owe them {$5000.00}. 
This reached the statute of limitations as this account was opened XXXX, XXXX. Capital one does not want to remove this from my credit report. This should have been removed in XXXX. Capital one is fraud and their practice is unacceptable. I hired XXXXXXXX XXXX to dispute this from Capital One however its still showing on XXXX, XXXX, and XXXX. Please help me!!
Consumer complaint received 2015-07-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (FL)

A family member passed away and in order to keep the house I assumed the mortgage from their spouse through a formal " mortgage assumption '' provided by Caliber Home Loans. After approval of the mortgage assumption, the closing process was completed XX/XX/XXXX. My family has since moved into the house. During the closing process the loan officer at Caliber went on vacation. One week after closing I began to reach out to Caliber every few days via email and phone to get a method of payment such as a statement or login and also to confirm the transfer of ownership was complete. Several weeks later I was told the former loan officer was no longer with the company and that the file is being reviewed. Caliber Home Loans has NOT contacted me with a timeline or any communication to resolve the situation. The mortgage is now over 30 days past due because they refuse to acknowledge and provide the transfer of ownership. As a result, my family is not associated with the account and they are not accepting payment. A VP at Caliber even contacted the ex-owner about having a negative balance. Caliber Home Loans wo n't refund the escrow or provide the lien release to the ex-owner despite the assumption process and closing taking place. This is causing an incredible amount of stress on everyone. If Caliber does n't resolve this now, it could negatively affect the credit of both the ex-owner and my family.
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX  XXXX, has violated my rights.

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 In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX, has violated my rights.

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 In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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 In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX, has violated my rights.

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 In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights.

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
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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

After recently reviewing my credit report I notice several inconsistencies regarding the ( XXXX  XXXX XXXX XXXX ) in the ( DATE ) & ( PAYMENT STATUS ) section. All three Credit Bureau are reporting ( CURRENT Payment STATUS ) with payment inconsistencies .XXXX  is reporting late payment for the XXXX  XXXX XXXX XX/XX/XXXX & XX/XX/XXXX. Disputes resulted in the ( REMOVAL MISSED PAYMENTS ). TransUnion is reporting late payments for the XXXX XXXX  in XX/XX/XXXX with ( MULTIPLE LATE PAYMENTS ). XXXX  is reporting late payment for XXXX in XX/XX/XXXX, also with ( MULTIPLE LATE PAYMENTS ). After several disputes & reinvestigation, the inconsistencies of ( XXXX XXXX XXXX ) can not be accurate. All three credit bureau LATE PAYMENT, DATES & DISPUTE results can not be accurate. These accounts appear to be furnished by the same server so why is the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please delete this erroneous inaccuracy from my credit report immediately. 

Thank you. 


XXXX XXXX XXXX
Consumer complaint received 2015-08-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc (CA)

Pay pal credit pulled my XXXX credit history without my authorization as I did not give them my FULL SSN #. And I was not realized that this is a credit card application as they do not have explicit language explaining that and that they will pull my credit history. And they bond the paypal credit application together with paypal account creation without having me notice that I am applying this paypal credit.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I sent a letter on XX/XX/XXXX asking all 3 data collectors XXXX, Equifax, and XXXX advising that there were many accounts showing errors and inaccurate information on my reports. I provided specifics and in return, I was sent an updated copy of my credit reports just saying verified, but no validation was sent showing how they verified. No contract for me to verify if it's my signature or not. This is not the correct way to do this validation on account of the FDRCA. I was to be sent a copy of the original contract showing my signature. I have also sent another letter to all 3 bureaus today XX/XX/XXXX addressing the same things.
Consumer complaint received 2022-02-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2015-09-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alorica Inc. (CA)

In 2010, XXXX attempted to collect {$200.00} for an account that was closed for 5 months. In 2010, XXXX closed the collection request accepting that it was their error because I had closed the account and yet they accidentally continued to bill me. The problem is that XXXX confirmed that this was not my fault and paid on time up to their agreement, however, West Asset Management ( XXXX collection agency ), still has me owing money. This is showing up on my credit report still as a negative item.
Consumer complaint received 2015-03-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (NY)

I currently have a mortgage with Flag star bank, my XX/XX/XXXX payment was late reaching flag-star on XXXX/XXXX/15. I 've had this loan for over a year now and it 's the first time my payment was late due to personal issue. I 'm currently current with all other payments, just received notice that my loan is going to be service by XXXX as of XX/XX/XXXX. I have no interest for my loan being transferred over to this company, who can I address this issue with. I just looked up this company and nothing but horror stories have been posted. How can I avoid my loan from being transferred..
Consumer complaint received 2023-04-11
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. (GA)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information