davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Gold Star Finance, Inc. (TX)

I applied for an installment/ signiture loan online through the companies official website on XX/XX/2021. Today ( XX/XX/2021 XXXX ) I had called the location in which the loan was applied through so I can check the status/ follow-up with eligibility determination. Was given the option for a call back to speak further on application. XXXX the call back came and I was asked personal information for verification purposes, then I was asked how I heard of their company to which I stated the name of the person that reffered me and then was asked if we were related. We are not related but she is my Girlfriend. Then I was told she owes payments on her account with them, XXXX an account I have no affiliation with ) and wouldn't be able to be offered services until she pays what she owes..
Consumer complaint received 2015-05-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AR)

My mortgage was sold to Ocwen. I had to file bankruptcy in XX/XX/XXXX in order to keep my house. There were areas of accounting that I could not prove, but I have been keeping betters records. My bankruptcy was discharged in XX/XX/XXXX. Ocwen kept telling me that my account was in active bankruptcy. I had to call and call and I could not get anyone at Ocwen to do anything about it. Ocwen finally did an " audit of my account in XXXX of this year. Ocwen has claimed that sine XX/XX/XXXX I was a month behind on payments. I have a report from them dated XXXX XXXX that showed I made a payment every month until XX/XX/XXXX and I have bank statements that show payments every month through XXXX XXXX. Ocwen shows on their website and at the reporting credit bureaus that I have missed XXXX payment during the last year. I HAVE NOT!!! They refuse to correct the credit report. Ocwen has added insurance to my account and under bankruptcy they opened an escrow account for the insurance. XXXX billed the payment to Ocwen and as of XX/XX/XXXX I have paid the full premium for the insurance. I now have a positive balance in the amount of {$2.00}. Now Ocwen wants to add approximately {$230.00} per month to my payment for insurance that I do not even owe. I have faxed and mailed a letter stating that I am closing the escrow account since I am no longer in bankruptcy and that I will be paying my own insurance. They in effect are trying to robbing me out of {$1500.00}. I have seen lawsuits for each of these reasons stated in this complaint. I have tried to contact the research department, the escrow department, and supervisors that can speak in a language I can understand. I would like to know what else I can do or who else I can contact. I fear they are again not following proper financial standards and are trying to take my house again using fraudulent practices.
Consumer complaint received 2021-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2021, I received a cancellation notice from my homeowner 's insurance company for non-payment of premium. I understood that my mortgage company, Wells Fargo, would be paying my annual homeowner 's insurance fee. My understanding of this was based on a written assurance from the agent who handled my refinance. Wells Fargo was my mortgage company both before and after the refinance. When I refinanced my mortgage in XXXX of 2021, I noticed that the closing documents set aside {$840.00} in escrow payments for the payment of property taxes but had {$0.00} set aside for paying homeowner 's insurance. As a result, I wrote to the agent who originated my refinanced loan, XXXX XXXX, to clarify and asked if the amount going to escrow every month would also be used to pay my homeowner 's insurance, as it had been during my previous mortgage with Wells Fargo. He replied that yes, my escrow would be used to pay both property taxes and homeowner 's insurance. On the strength of that assurance, made in writing, I understood that Wells Fargo would continue paying for my property taxes as well my homeowner 's insurance from the escrow account created through my $ XXXX  monthly payments. 

When I called Wells Fargo to sort out the matter today, I was told that the closing documents indicated that money was only for paying property taxes and that there was no arrangement to pay for my homeowner 's insurance. The mortgage company, rather than acting in good faith to carry out the arrangement that I was assured in writing existed now and in the future, simply said that they could add paying homeowner 's insurance in the future if I paid extra money towards the escrow account. 

I was misled the company, and I believe it is their duty to carry out what I understood to be the terms of the agreement : I would pay {$840.00} a month towards escrow, and that amount would be used to pay for both my property taxes and my homeowner 's insurance. That would be the honorable course of action for them to take. Their false assurances have led to a lapse in my homeowner 's insurance coverage. They are responsible for the problem, and they should take responsibility for a fair solution that acknowledges and accounts for the role their misleading communications played in the problem.
Consumer complaint received 2021-08-07
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: EQUIFAX, INC. (FL)

Dear Sir or Madam, I recently received a copy of my credit report, and there has been unauthorized use of my credit report. The credit report agencies are reporting information that is inaccurate on my credit report, as a result of this I find myself paying higher interest rates. Please look into resolving this matter for me, because it has caused lots of stress, and paying higher in interest rates. 

Thank you for your assistance.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I applied for my mortgage refinance and they noticed that there is a credit freeze on my credit report with Experian. I have been trying to reach Experian for 8 days now. Everytime I try to call them, the phone calls disconnect and do not connect to a live person. There is an option to unfreeze credit report online, but it fails saying that my information does not match and/or my pin is not valid. I tried generating pin. The standard form that prompts us asks us only for SSN, Date of Birth and Address. It comes back that my information is not correct and that I need to send a letter in mail with a state issued ID/DL, Utilitiy Bill/Bank Statement etc., I tried unfreezing without a pin and still fails validation. For a large credit reporting beareau, I am extremely disappointed that there is no one to help. I mailed two letters. One regualr and one via priority mail. I have delivery confirmation that they recieved letter on Tuesday XX/XX/21 in the afternoon. There is absolutely no response from Experian till now. I am not able to refinance my loan. I was able to access my credit report from the website but lending organizations are not able to. Please Please Please Please Please help me. 

My USPS tracking # XXXX
Consumer complaint received 2021-08-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

I recently disputed inaccurate information on my credit report through writing with XXXX, Equifax, and XXXX  starting on XX/XX/2021. XXXX  has complied with my request seeing as they didn't respond within the allotted time of 30 days according to the Fair Credit Act. XXXX  and Equifax after receiving my failure to comply letters, well after 30 days of my initial letter, responded by starting an investigation after I clearly asked that the accounts be removed from my credit report, as required by the Fair Credit Act, if a timely and accurate investigation was not completed in 30 days. It was not done in 30 days and only gained a response because of my failure to comply letters, which were mailed well after my initial letters. XXXX  's agent over the phone also claimed to have never received my first letter of dispute yet knew the information, date the letter was written and mailed, and reasoning for dispute but claimed to have received the letter on the XXXX of XXXX, and contacted me via email after receiving my failure to comply letter, also sent to all three Bureaus. XXXX  then, several days after our conversation over the phone, completed a computer-generated investigation on XX/XX/2021 after XXXX XXXX clearly after their business hours. I only ask that the inaccurate account be removed from my credit if not validated in the 30 days allowed to them to complete a fair and accurate investigation. Clearly those 30 days have been passed and should be removed immediately.
Consumer complaint received 2021-08-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (CA)

I had tried to apply for help with our mortgage, when I asked if they had any COVID Relief programs they said no because we were not caught up on our payments and until we were caught up on our payments they did not have any programs to help us. We are a low income family already. XXXX XXXX was laid off and I was the only income holder at the time trying to keep our lights on and our internet going with XXXX Children in School. We had been giving them everything that we had but due to XXXX and a preexisting condition I and to quit in XXXX of this year. Now we are near the end of XXXX and may be foreclosed on and I feel that if they would have had help instead of sorry about your luck hear is a forbearance plan and you need to pay up by XXXX.
Consumer complaint received 2020-04-24
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: The CMI Group, Inc. (TX)

They continuously call every day before XXXX and after XXXX. I have asked them repeatedly not to call me at those times. When I answer their calls, there is no one on the other end, it takes around 5 seconds or longer for someone to actually answer. If I try and call back they are rude and harass me.
Consumer complaint received 2015-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (KY)

I was forced under personal cirumstances to file chapter XXXX bankrupcy in XX/XX/XXXX. I continuedto live at my house awaiting a foreclosure notice, which has as of this day has not happened. 
I vacated the house in XX/XX/XXXX. I continue to receive complaints from the county about propertymaintenance. I have contacted the loan co., but all they want to talk about is me making an offeron the amount of loan. There were some irs liens on the property. I just wish to get the property out of my name.
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (KS)

I'm unsure of how to file this because the information in these credit reports seem wildly inaccurate depending on where I try to get credit, which then causes a hit on my credit and makes it even harder to get a loan. 
I went to get a home loan to get out of the situation I'm in and I get lowballed on what my credit is that will either cause me not to get credit, or cost me a ton of money because it shows my credit much worse than it is, which seems like a scam way to make more money from people. 
Each snapshot shows what each company shows and how a couple are wildly different, including XXXX, which is what many go by in their report.
Consumer complaint received 2021-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (CA)

I applied for a Paypal Prepay Debit card because I felt the need to used it at the time, when I could not have been qualified to own a credit card. I got the card. 

After awhile I realized that Paypal ran a hard inquiry on my credit as though I applied for a credit card from the XXXX XXXX. I have tried called XXXX XXXX  and Paypal Customer Service Reps Several time to formally complain against the injustice they are doing to me. XXXX XXXX Reps Have promised to fix it but nothing as being done. I have repeatedly tried to call them so that they can fix the issue and remove the HARD IINQUIRY from the XXXX  credit profile. But nothing has being done. Each I call no one seems to remember anything ... Almost two months ago but nothing has being done! I have since being giving a run around, whenever I call Paypal the transfer me to XXXX XXXX  and they pretend as though they have never being approached on the Issue. I did not applied for a XXXX XXXX/Paypal issued Credit card. The Run around and pretends are hurting my credit, thus making life hard for me. 
I am formally asking CFPB to get involve. I want that Hard inquiry removed and that they incidence never repeated. 

Thanks
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This account is inaccurate and an FCRA violation. XXXX. XXXX XXXX # XXXX I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Not to mention you would be in violation of my HIPAA Rights. Please honor all request of documentation.
Consumer complaint received 2021-08-07
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. (MN)

I have sent letters to the U.S. Department of Justice, U.S. Senate, U.S. House of Representatives, Federal Trade Commission, and Consumer Financial Protection Bureau, requesting an investigation into the following fraudulent and unauthorized credit inquiries thats constantly listed on my Equifax, XXXX  and XXXX XXXX credit report : XXXX/XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX  XXXX/XXXX  XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/XXXX
Consumer complaint received 2021-08-06
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. (FL)

Equifax applied item that is not mine. I can not understand how that is possible to putt just account without even checking if this is my account. There is wrong name, account number, and obviously that this account is not mine. I have no idea about this creditor and I have never dealt with this company. I do not know why I have this account in my profile and I ask you to check the information and remove it ASAP
Consumer complaint received 2021-08-07
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: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-06
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. (PA)

I have sent 2 certified letters to Equifax and XXXX regarding unauthorized inquiries on my credit reports These companies listed by them did not have permissible authority to view my credit report since I am a victim of idently theft However they have not removed those inquires
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This is about my online account. To access my online account I must provide a XXXX XXXX phone number so I can be sent a temporary code. Since I am currently in XXXX XXXX XXXX I do not have access to the phone that is registered with my account. In this case there is no way that I can access my account online. No alternat solutions are provided to verify my identity such as email, etc.
Consumer complaint received 2018-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA (TX)

hi! 
THIS CREDIT CARD COMPANY DID NOT SEND OUT THE FIRST BILL, ARE WAS STOLEN AT XXXX XXXX, XXXX  XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, IN WHICH THE CLERK STATED THAT SHE HAD 5 KEYS TO THE MAIL BOX! WHEN I GOT THE BILL FROM XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, IT WAS THE SECOND BILL AND OVER THE CREDIT LIMIT BALANCE BY ABOUT {$280.00}. THEREFORE THERE WAS OVER {$1000.00}. DOLLARS OF FRAUD ON IT! THE XXXX COMPANY WOULD NOT RELEASE THE FIRST MONTH BILL UNTIL THEY FOUND OUT MY BANK AND WHAT I OWNED! PROBABLY ATTEMPTED IDENITY THEFT. I PAID DOWN WHAT I THOUGHT THAT I OWED, FOR ONE MONTH USE! THEIR BALANCE KEPT CHANGING ALL THE TIME, JUST LIKE THEIR STATEMENT BILLS! 


NOTHING BUT BLATANT FRAUD ON THIER PART,  AND GOING THROUGH MY PERSONAL PROPERTY AT WILL WITH XXXX 'S, ARE FALSE PROPHETS, HELP!
Consumer complaint received 2021-08-06
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: DISCOVER BANK (FL)

Please see attachment. This is the response that I received when I requested the Method of Verification for the fraudulent Discover Financial Services account. XXXX  is refusing to validate this debt. They are also updating the XXXX date each month which is also a direct violation of my FCRA consumer rights. I am hereby requesting for this fraudulent account to be removed from my account due to XXXX XXXX inability to validate the account.
Consumer complaint received 2021-08-06
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: Capio Partners, LLC (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2017-10-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Astra Business Services (CO)

XX/XX/XXXX XXXX XXXX - Called me, did not leave message ; XX/XX/XXXX XXXX XXXX - Called me, did not leave message ; XX/XX/XXXX XXXX XXXX - Called me, did not leave message ; XX/XX/XXXX XXXX XXXX - I returned call and, after realizing I had no business dealings with them, asked them to place me on Do Not Call list and to not call me back ; XX/XX/XXXX XXXX XXXX - Called me, did not leave message ; XX/XX/XXXX XXXX XXXX - Called me, did not leave message ; XX/XX/XXXX XXXX XXXX - I returned call to ask them once again to put me on Do Not Call list, to not call me back, and to inform them that I would report them the next time they called ; XX/XX/XXXX XXXX XXXX - Called me, so I answered and informed them that they had violated my request to not call me again and that I would be reporting them.
Consumer complaint received 2021-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (TX)

On XX/XX/2021 someone used a balanced transfer check from my account for {$1500.00}. There was a {$75.00} balance transfer fee, {$5.00} and interest charges {$22.00}. My first call was on XX/XX/2021. They closed that credit card and sent me another one and said they would investigate the charge. I called again in on XX/XX/2021 to check status because I never received a call or letter from them. Apparently nothing had been done and interest charges keep adding up on my credit card. I was told this would now be compliant level 1. I called again on XX/XX/2021, still nothing had been done. I was told a case had not been opened. So, the account manager said she would open up the case. I insisted on speaking with a supervisor and held several minutes and was disconnected. Called back on XX/XX/2021, the person I spoke with couldn't see if a case was opened and was going to transfer. I declined because I didn't have time to go through another 50 minute conversation and nothing happen. I don't understand why they can't credit the money back while they investigate the check that was used. 
Credit card company : Barclaycard XXXX XXXX