davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-04
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: Upgrade, Inc. (GA)

I sent in my police report and my XXXX affidavit to the XXXX credit bureaus XXXX and XXXX XXXX XXXX department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these collection agencies. They then deleted the fraudulent account only to put in on again without notifying me. I then submitted a challenge dispute and then XXXX accused me of being a third party and or hiring a credit repair company basically insulting my intelligence. The fraudulent account reporting is as follows UPGRADE INC XXXX Date Opened : XX/XX/2017 XXXX also has has all these names on the file that has nothing to do with me XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX H XXXX XXXX XXXX XXXX XXXX I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy XXXX accusing me of hiring a third party to submit a dispute on my behalf that is completely untrue. Enclosed is the letter I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2022-02-04
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. (GA)

I sent in my police report and my FTC affidavit to the XXXX credit bureaus Equifax and XXXX XXXX Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these collection agencies. They then deleted the fraudulent account only to put in on again without notifying me. I then submitted a challenge dispute and then XXXX accused me of being a third party and or hiring a credit repair company basically insulting my intelligence. The fraudulent account reporting is as follows XXXX  XXXX XXXX Date Opened : XX/XX/2017 XXXX also has has all these names on the file that has nothing to do with me XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy XXXX accusing me of hiring a third party to submit a dispute on my behalf that is completely untrue. Enclosed is the letter I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have tried to contact these companies and advise they have the wrong person, and nothing happens. 
Below are a list of these companies, this error is keeping me from buying a home. 

1 ) XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$1400.00} 2 ) XXXX XXXX XXXX XX/XX/XXXX Balance {$590.00} XXXX ) XXXX XXXX XX/XX/XXXX Amount {$2100.00} 4 ) XXXXXXXX XXXX XXXXXXXX Opened XX/XX/XXXX Amount {$1400.00} 5 ) XXXX XXXX XXXX  XX/XX/XXXX Amount {$550.00} 6 ) XXXX XXXX {$1400.00} XX/XX/XXXX
Consumer complaint received 2022-07-20
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. (IA)

CFPB case # XXXX The very first line of my complaint was NOT addressed. The sole purpose of the complaint was not even talked about in Equifax 's response. It's like they ignored my request and did not investigate. The exact same thing Equifax has done for years. Ignore every dispute and ignore every complaint. 

" Equifax is reporting Date of First Delinquency XX/XX/XXXX regarding my account XXXX XXXX XXXX XXXX. This is shown on the attachment Equifax XXXX XXXX In the same attachment, it also shows delinquency started in XXXX. '' Equifax also ignored filling out the method of verification letter. I need to know WHO AT XXXX they are talking to. XXXX and Equifax do not get to report false information on my report and not tell me who they are talking to. 
XXXX XXXX
Consumer complaint received 2016-04-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

Had a truck loan from HSBC. Kept track of the balance every month trying to pay it off. Loan gets sold to XXXX XXXX and balance is overnight more than {$2000.00} higher. Called HSBC to get balance they sold to XXXX and they refuse to cooperate. I paid the loan off but I still do n't consider this settled. Also never got a lien release from XXXX so I cant register truck in my name only.
Consumer complaint received 2016-03-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Flatonia Investments, LLC (MA)

XXXX XXXX XXXX : XXXX Envoy Mortgage. & XXXX XXXX XXXX XXXX ID : XXXX In the process of buying my first house I was treated very poorly by both of these gentlemen. They were unethical, untruthful, harmful to my credit, and most of all did serious irreparable damage to my life. They did not at any point follow any XXXX rules or send any disclosures. They lied and said I was approved when I was apparently was not. They lied and said they worked together when they did not. They ran an incredibly excessive XXXX hard inquiries all on different days. XXXX handed me off to XXXX without my consent under the pretext that they were " co-workers '' and although XXXX had me approved XXXX had an approval that was less labor intensive. Once working with XXXX I provided him with all the required documents that were asked for and he had given my real estate agent an okay to close. 3 days before closing he sent out an email saying he could not follow through on his commitment. This is after both the seller and myself had already arranged moving, movers, and arranged contracts for living arrangements ( me moving out them moving in somewhere ). The biggest problem was the constant lies. I have kept all correspondence from them which was done entirely via email. I was never sent a single disclosure from either one of them. Although I was told I was approved and then later told not approved I never received anything in writing from either of them. Not a single disclosure of any form. The only document I received was a breakdown of the rate and terms of my approval that was much higher than what I quoted verbally in every way shape and form. The rate and fees were not even close to what I was quoted originally. The XXXX hard inquiries and pass off between brokers without my consent left my credit score vastly lower then it was when I started. I think this was done to reduce my score enough so they could justify charging me higher rates & fee 's. I ended up finding a lender on my own who was able to provide me with financing but the rate & fees were higher due to my drop in fico score specifically due to the excessive hard inquiries made by XXXX & XXXX. I have XXXX witnesses ( XXXX realtors, XXXX different mortgage broker, XXXX senior loan originator ) who were all involved in the process who not only can be reached to corroborate everything I have told you but suggested I report this. This did serious damage to me financially in many different ways. After being told your clear to close then 3 days before closing getting an email to even a phone call telling me it 's not possible led to XXXX, XXXX, and a scramble to find living arrangements. I also had to make a {$1000.00} concession on my original offer to sellers just to keep the deal together so the new lender could have time to actually put together the mortgage which was more expensive specifically due to the excessive inquiries made by XXXX XXXX XXXX.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I am writing to formally file a complaint regarding several LATE payments on my accounts that have appeared on my credit report, which I suspect is not reported accurately. Despite my efforts to address this issue with the credit reporting agencies and the involved creditors, the matter remains unresolved. 

Upon reviewing my credit report, I noticed the presence of multiple late payments on my accounts I do not know how they appeared cause I always pay on time. The suspicious late payment occur to XXXX XXXX XXXX and XXXX XXXXXXXX XXXX
Consumer complaint received 2019-02-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (WA)

This company uses robo calls and they call at least once a day often 2 or 3  times, no one in my household knows what they want as none of us are behind on anything the number is my house number but they also have my cell number which I have blocked -
Consumer complaint received 2016-10-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NC)

For the past sixty days I have disputed accounts with Equifax that they claim are verified as belonging to me. In XX/XX/XXXX I disputed both XXXX and XXXX XXXX by mail with Equifax and both came back verified. I then did a follow up dispute requesting the method ( s ) of verification on XX/XX/2016 for XXXX and XX/XX/2016 for XXXX and my requests were not honored. The letter states the accounts were verified but no other information is in the report, which is a violation of my rights as a consumer. It is my right to get a detailed report on who they contacted, phone numbers, dates, etc. Instead they only tell me the accounts were verified but not any detailed information which is my right as a consumer. They are destroying my credit!!!!
Consumer complaint received 2021-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio recovery is aggressively trying to collect on the charged off credit card account that belonged to my sister NOT me. They reported a collection for {$2800.00} from XXXX XXXX the account I NEVER HAD. My sister had put me as an authorized shopper long time ago so I could help her with groceries but I NEVER SIGNED for this account. I contacted XXXX XXXX  who stated they DO NOT have any negative accounts in my name. BUT portfolio recovery is refusing to validate this account but is aggressively trying to collect ... This is NOT my account!!!
Consumer complaint received 2015-12-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CO)

Ocwen Financial Services not following through on agreement to call and resolve my homeowner insurance situation with their " monitored insurance claim '' process. Ocwen promised me a call within 24 hours on Friday XXXX XXXX, 2015. I was told I would receive a call by the stateside team to address my situation. I have not received that call or any follow-up from Ocwen related to my calls that Friday. It is worth pointing out Ocwen has XXXX % of their staff and call center work in XXXX. Those staff are not XXXX, do n't understand the U.S. and basically read off a pre-scripted sheet. They are the only way to contact Ocwen currently. The only other way I 've found is to contact the CFPB for help. It was during that XXXX XXXX XXXX call center call I was appraised of the insurance release monitoring process they would implement. The problem is I already selected the contractor and had the work done to replace the roof and was not told of this until after! Their process was given to me after the roof completion and is not workable given what has already occurred. Ocwen told me I would receive a call within 24 hours to work out the situation. That did not occur. Beyond talking to XXXX, there is no way to communicate with Ocwen. I had submitted questions via their website months ago about another situation with no response to date. Try to contact them without using the cushy channel they 've set up to pretend the are working with consumers on financial matters in good faith. Please try so you can see what likely many are experiencing. Very difficult to interact with Ocwen and time marches on while the roofing contractor has completed the work and is waiting to be paid. Why no call from the stateside team as they told me I 'd receive? Why no email address to interact with Ocwen? I replied to their message ask for information on " Private Repair Guidelines '' as that is relevant for some work in scope. The email bounced as undeliverable. Or do n't contact us, we 'll contact you. Why not interact in good faith and follow-through as they stated with the stateside phone call to resolve given they created the initial error in not informing me of their process which is now unworkable. 

FYI : Ocwen is not an insurance company and are supposed to be loan servicing company. Apparently my loan was sold to them from a financial institution who said it would n't be sold! That will never happen again. I advise others to beware of and strike out the loan clause which says " Lender shall have the right to hold such insurance proceeds until Lending has had an opportunity to inspect such Property to ensure the work has been completed to the Lender 's satisfaction ''. Ocwen has taken that clause for a ride to include egregious recovery processes and not just a quality inspection.
Consumer complaint received 2016-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

The account on my credit report for XXXX XXXX was not opened or owned by me. I have reported this to trans union and XXXX but was told it meets fcc rules. Well show me where I signed or used an address associated with me. This is not my account and was opened without my permission.
Consumer complaint received 2022-07-20
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. (NY)

In accordance with the Fair Credit Reporting act the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2016-02-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

i keep getting bad debt relief info from my mortgage servicer ... .they are accusing me of having filed bankruptcy ... ... in 2012 this home was in my name and and another persons name ... he filed bk and did a quit claim deed and i did a harp loan ... my payments have always been current and it is mortgaged and deeded in my name only since 2012 ... ocwen loan servicing calls and sends me refinance option packets saying ive gone bk and threatening foreclosure..numerous calls and letters havent stopped it ... ....
Consumer complaint received 2016-03-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (FL)

My deceased father 's American Express Credit Card was fraudulently used in the State of Michigan by unauthorized users ; a XXXX XXXX and XXXX XXXX. Now, XXXX XXXX XXXX is contacting the Estate of XXXX XXXX and demanding payment. 
BTW, Amex also has an incorrect address for my Dad 's account. Somewhere in XXXX, MI XXXX. My Dad lived nowhere near XXXX, MI.
Consumer complaint received 2022-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

There is something strange on how USAA does their banking for their customersthey show every transaction that clears your account but they do not show you the details on anything they return as nsf. Example : My direct deposit hits my account Bi weekly on Thursday funds are available on Thursday. I paid my mortgage payment on the first of XXXX. Per my mortgage company they submitted the payment to their bank on the XXXX of XXXX and their bank transmitted the payment to USAA on Thursdays to be paid. My direct deposit was in my acct and available on the XXXX of XXXX. I checked online and my mortgage payment had not hit my account as of yet. The next day I see a XXXX nsf fee saying mortgage payment was returned?? How?? My money was available and per online banking my mortgage payment had not hit my account how could it have not cleared. According to USAA they do not show you online or via bank statements on when items are presented or returned to the customers all they show is the nsf fee you incurred. When I asked the agents why they do not have an explanation. So if my mortgage pmt did hit on the XXXX of XXXX when my funds were available I would not know and it is designed for you not to know so you can not fight it. Per their corporate resolutions team they agreed but told me they have been doing business this way for yearsthis is a class action law suit they are doing this to access fees to their customers and you have no way of fighting it since the do not provide details of the transaction. This is deceiving the consumer and something needs to be done
Consumer complaint received 2018-03-16
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Bread Financial Holdings, Inc. (PA)

Paypal, Paypal Credit, and XXXX XXXX XXXX, has failed to provide credit so I can make purchases on XXXX, the option to pay later has not been offered to me so I can receive it. Pay pal Credit has not verified my XXXX credit report nor have they called me about credit. 

Pay pal has not paid its judgement to me because Pay pal violated my human rights, financial rights by failing to provide annual error-resolution notices and monthly account statements under the Electronic Fund Act. Settlement can be viewed as not paid at XXXX Spoke and have statements from Paypal Counsel, XXXX XXXX XXXX .
Consumer complaint received 2016-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WA)

I have contacted the XXXX about the debt ( {$75.00} ) in order to pay it off ( attempted 5 times and leaving voicemail ). They never called me back to verify debt or anything. So I take it as this debt is no longer liable by me.
Consumer complaint received 2015-11-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

I have forwarded a dispute with Equifax to remove XXXX inquires that are past due from the 2 year mark of removal. I have not received a response, regarding my request. 
- XXXX XXXX ( XXXX XXXX, 2013 ) - XXXX ( XXXX XXXX, 2013 ) - XXXX XXXX XXXX XXXX ( XXXX XXXX, 2013 )
Consumer complaint received 2022-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Our mortgage servicing agent prior to XX/XX/2021 was with XXXX XXXX XXXX  XXXX. XXXX XXXX sold/transferred the servicing agent to PHH. We have NEVER missed a mortgage payment, and never been late with a mortgage payment in the 15 plus years we've been in this house. 

PHH continues to send out payment coupons that show TWICE the monthly amount of payment due, despite the fact that payments were never missed either before, during, or after the transfer to the new servicing agent. 

I have provided PHH on at least XXXX different occasions proof that all payments have been made, and that they need to correct their records to reflect that fact. Nevertheless, PHH continues to send out payment due coupons with twice the monthly mortgage amount due. This is not a problem of my making, and the evidence of on time payment is irrefutable.
Consumer complaint received 2015-05-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (MT)

I do not owe this debt. I did not create this debt. I would not have needed alltel in 2010 because it would not be good coverage for XXXX XXXX, Mt, where I lived, nor did I need alltel as my home pH has been XXXX XXXX XXXX for XXXX years plus. 

Please contact me at the XXXX year old number. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, MtXXXXXXXXXXXX
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fiar Credit Reporting act. The list of accounts below have violated my federally protected consujmer rights to privacy and confidentiality under USC 1681. 

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 XXXXXXXX Original Creditor : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-04-03
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I got a call form portfolio recovery associates stating that i owe a debt from XXXX XXXX from XXXX that i have no knowledge of. I was sent a identity theft affidavit to fill out requesting a lot of personnel info