davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I successfully completed a loan modification on  XXXX   XXXX   XXXX  after making 3 months of on-time " trial '' payments from  XXXX   XXXX   XXXX   XXXX ,  XXXX  and continued making on-time mortgage payments to date.   Unfortunately after reviewing my credit report in  XXXX   XXXX , I called the loan servicing company  XXXX   XXXX   XXXX   XXXX    XXXX  and they told me that they failed to complete the modification in their system. None of my payments were being applied to my account as reflected on the mortga ge Billing Statement ( attached ) d ated  XXXX / XXXX / XXXX  which reflects a past due amount of {$14000.00}! I signed and returned the ex ecuted Loan m odification agreement  XXXX  on  XXXX   XXXX ,  XXXX  and it was not completed until  XXXX   XXXX . I received the executed copy of the Modification in  XXXX   XXXX , which was dated  XXXX / XXXX / XXXX , which is obviously in correct. ( See attac hment ) They have continued reporting that my payments were 120 days past due to date, and have basically refused to report them as being on time. All payments were paid on-time to the lender  XXXX    XXXX   XXXX   XXXX    XXXX  and  XXXX  when they were due since  XXXX   XXXX ,  XXXX  and the previous past due balance was added to my principal, along with $  XXXX  in fees.   Initially I was told that by completing the load modification, that all reporting to the credit bureau 's from  XXXX / XXXX / XXXX  would reflect " paid on-time and in good standing '', as long as I followed thru with making my payments before they were due, which I did.   After months of requests and disputes with all parties, including the Credit Bureau 's, they have only corrected 1 month,  XXXX   XXXX . All payments from  XXXX   XXXX  to present should reflect " on-time '' and be in good standing for that point forward.   They have failed to report correct information or rectify the situation from  XXXX  to present. I have exhausted all options and this is causing financial hardship due to incorrect information being reported on my credit report which has greatly affected my credit score. Any assistance you can provide would be very much appreciated!
Consumer complaint received 2016-07-27
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

Money transfer MONEY GRAM reference number XXXX, made in XXXX/XXXX/16, I request cancelation of this for {$650.00}, is XXXX/XXXX/16, they do n't refund my money to my debit card, I call they say was already credited to my account, I check to the bank online shows no credit, the money gran agent said, now my problem is with the banck, IM NOT agree with that, is bad service, this is not ok, they took your money in minutes then refund take long days, please investigate this..thanks
Consumer complaint received 2017-01-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (GA)

I responded to a promotion for a new Citibank account. That account was funded on XXXX XXXX, 2016. I contacted Citibank in XXXX to check the status and was told I needed to complete a XXXX form. I mailed the completed form to Citibank on XXXX XXXX. In XXXX I called to check on the status and was told to wait 1 more month. I called today and was told they never received the XXXX.
Consumer complaint received 2023-03-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (AZ)

Synchrony Bank has restricted access to our account with more than XXXX in the bank. They have not resolved the issue in more than 72 hours. Reference account number : XXXX. High Yeild savings account. We have made three calls to the bank in the past week without resolve. Each time we are told that it will be another 48 hours. We want access to our money now. This is the message listed on their website that restricts access to the account as we can not transfer money our or in. Your account is restricted. You are not able to access this account online. Please contact a Banker at XXXX to change your account status.
Consumer complaint received 2019-10-20
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. (TX)

I mailed a request to validate and provide documentation proof letter to the credit bureau in XX/XX/2019 via certified mail. I requested that the below account be validated and for documentation of the validation be provided to me : XXXX account # XXXX {$1600.00} I notified the credit bureau of this account inconsistencies and gave the opportunity for the bureau to correctly validate with adequate proof, this account. The credit bureau has failed to provide proper proof of account validation within the legal time frame allowed
Consumer complaint received 2017-01-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

Ocwen reports that I own them {$3400.00} in " Past Due Payments ''. History recorded below : INDYMAC sold my mortgage to Ocwen in XXXX 2014. INDYMAC told me to send my check to Ocwen, which I did on XXXX XXXX, 2014. Ocwen sends me my next statement dated XXXX XXXX, 2014, telling me my mortgage payment is due XXXX XXXX, 2014. I call Ocwen, and they just tell me the due date can not be negotiated, and that my next payment is due on that date. I sent a certified letter, no response. I tried several more times, but no response. I have been late ever since. There was no way I could turn another mortgage payment around in 2 weeks.
Consumer complaint received 2023-03-30
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. (MD)

Because of the Nationally Equifax Security Breach, I am writing to dispute the following hard inquiries on my credit report. Please remove these inquiries from my credit report, as they are not valid. XXXX [ XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX XXXX XXXX [ XX/XX/XXXX ] [ XXXX XXXX ] [ XX/XX/XXXX ] XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. I do not recognize these inquiries and did not authorize them. Please investigate these inquiries and provide me with any information you have about them. If you are unable to provide evidence that I authorized these inquiries, please remove them from my credit report. I am including the FTC reports. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (TX)

I contacted Citi Bank in XXXX of XXXX  to inform them that this account was fraudulent and that they were violating me as a consumer to report such information to consumer reporting agencies. I noticed that they decided to close this account because I reported it was as fraudulent but on my credit report it states its charged off. It's fraudulent why would I give them permission to report such fraudulent information on my credit report when I have not given a signed document for this account. Please stop reporting such information on all CRA 's. Where is the 1099c so I can give it to the IRS as so as possible.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sunbit, Inc. (FL)

Ive contacted Sunbit multiple times about an inaccurate delinquency on my credit report, which was recently added by them. They claimed that they were investigating the dispute, but turned around and immediately added it to my credit report, which is now preventing me from renting a rental unit based solely off of this XXXX incorrect credit report. Its illegal and its predatory!
Consumer complaint received 2023-03-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MI)

We had a mortgage with Wells Fargo in 2008. We applied for modification. I called every week to check status. Finally a lady told us your house was foreclosed and sold!!! We were flabbergasted! We never received any notice or information. We went to an attorney who said we could sue for loss of our home, but then they could call the loan ( XXXX ) and did we have that amount? Of course not! So our home with XXXXXXXX XXXX was foreclosed and sold in error and I want restitution!! They foreclosed our mortgage in error and government paid them the FHA. balance.
Consumer complaint received 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

XXXX/XXXX/XXXX I was denied a mortgage loan for being 180 days delinquent on my child support. I have contacted the XXXX credit reporting agencies and have disputed this incorrect information. I have disclosed the child support payment agreement since XXXX/XXXX/XXXX. The court order states that I pay XXXX a month and I pay more than XXXX a month. There are arrears from the divorce that were awarded to my ex wife for court cost. This was awarded as support so I could not file bankruptcy " per my ex wife and attorney ''. please remove the inaccurate and damaging information. I have called the XXXX XXXX XXXX XXXX and was advised that I am current in my child support obligation. I have 50/50 custody of our children and am being penalized as a responsible Father,  my credit report haunts me on purchases from vehicles and even deny our family the ability to purchase a home.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

my problem is with experian they keep taking from XXXX to XXXX points reepeately in the last 6 month or even before only issue i had was with a home depot credit card with $ credit limit which has been close with XXXX balance since 2019 take a moment and you will see that my credit history is excelent for the last 7 years this happened when i open another account with home depot and thought that my previous account with home depot merge into XXXX account and since i did not get invoice bill y did not make a payment for 1 or 2 months till i got XXXX and inmediatly took care of it pls some help my # XXXX call anytime or text email XXXX thank you
Consumer complaint received 2016-12-22
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (DE)

Problem making initial payment - Received an auto loan from Santander Consumer XXXX XXXX. Got loan on XX/XX/XXXX and the first payment is not till XXXX. Having just finished with a bankruptcy plan I wanted to get payments started around XX/XX/XXXX. I called and they would not back up first payment date from XX/XX/XXXX and then I wanted to make a payment early and none of their automatic payment features allowed me to make a partial first payment ( except mailing a snail mail check ). Which I did and I have now already seen how consumer unfriendly this Santander finanical institution is and how high the fees will be to make a same/next day payment. So then I logged onto my XXXX XXXX checking account o start an auto debit through the bill pay and XXXX did not have them as a an available bill pay vendor and said they would have to send a paper check to Santander. Really? This is a big banking corporation - previously XXXX or another. The all seem to be in cahoots as they want you to pay a HUGE fee to pay a simple interest loan - in which every day adds on more interest. Really come on - this is not proper ; how are folks supposed to get on the right financial path when BIG banks continue to take advantage with huge payment fees. How is making a payment so expensive and not immediate debit/processing when paying your loan early or before a due date. I have mailed a check today XXXX and lets see how long it takes to post to my account.. I am very upset with Santander and XXXX ( since unable to autodraw from checking account ) while they have automated electronic check payments with EVERYONE. Account number XXXX Santander, XXXX
Consumer complaint received 2022-10-02
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: Avant Holding Company, Inc. (TX)

Avant company is reporting an account on my credit report that I never opened! currently this account is in collections, I have reach out to them and they have done nothing! Still reporting as a collection on my credit report.
Consumer complaint received 2016-05-17
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Onity Group Inc. (NC)

Last week we contacted Ocwen regarding the account and the status of an upcoming foreclosure sale. The customer service rep for Ocwen stated that there was no sale pending and that information was being reviewed on a notice to correct an error. The representative talked about is going online to complete modification paperwork. When we went to Ocwen online we found that Ocwen already had some type of workout plan under review. I setup another appointment with a relationship manager to check the status of any workout or alternative to foreclosure that was under review by Ocwen. The scheduled appointment was held at XXXX today XXXX XXXX, 2016. The relationship manager stated that there was no pending sale and that modification documents would be sent out. Prior to the XXXX meeting the law office representing the trustee sent an email at XXXX stating that they were informed by Ocwen to proceed with the sale scheduled for Friday XXXX XXXX, 2016 at XXXX. While on the phone with Ocwen, I was not aware that the attorney had emailed a conflicting status. Ocwen has not responded to the notice to correct the error that was sent around XXXX XXXX 2016. Ocwen did send a letter stating that they will respond to the notice. Also Ocwen did not provide the status of what they reviewing as an alternative to foreclosure.
Consumer complaint received 2020-04-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Since XXXX I have disputed accounts with XXXX, Equifax and XXXX. Accounts XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX have reported on my credit report. I have requested documentation from all companies listed above including all credit agencies. 

What was requested : Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : XXXX has never responded but credit agencies reposed as validated and never supplied proof which was requested. 

XXXX is now being sued by me in regards HIPPA violation and still reporting as valid with no proof from credit agencies. 

XXXX XXXX XXXX never responded to the original letter and should have been removed after 30 days of no response. Credit agencies still report as vaild without validation. 

XXXX XXXX has not been validated there has never been any business conducted with myself or this company and has not been validated but still reported as valid. 

The credit reporting agencies have ignored my request and have not supplied any supporting documentation that these accounts are valid.
Consumer complaint received 2017-01-26
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc. (MN)

I set up scheduled payments for both of my Comenity Bank cards, XXXX and XXXX as I always have ; however they did not take the scheduled payments. I checked my history and confirmed that I did indeed visit both sites which resulted in a one time payment confirmation. I feel their system malfunctioned and they are trying to get additional fees from me. I see numerous similar complaints and other that are very disturbing however given recent action against Comenity it is pretty clear they are not very honest. I have also emailed their CEO and President.
Consumer complaint received 2021-11-26
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. (TX)

Complaint : ( XXXX  ) account # XXXXhas violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX ) account # XXXX to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section bXXXX XXXX XXXX Transunion, and XXXX, must remove all information reporting from and relating to ( XXXX ) account XXXX XXXXincluding third party debt collection accounts associated with ( XXXX ) account XXXX XXXXXXXXbecause the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b.
Consumer complaint received 2016-04-13
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (WV)

Noticed that I had been charged for years for a XXXX program, but I was unaware of it. Contacted Citibank, who transferred me to XXXX. XXXX stated that they would send me proof of enrollment in the mail within 7-10 days ( or in some reasonable amount of time ). This was XX/XX/2015, and I have still not received anything.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (NY)

I am writing this complaint to INNOVIS. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2017-01-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Service International Corp (WI)

I found out i am being sued in small claims so i call there lawyer to find out about it and he some how has to have the one colling the debt call me back so tells me he is just filling claims in hope of a default
Consumer complaint received 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

I just recently filed a complaint through CFPB due to  XXXX   XXXX  showing an inaccurate delinquent account on my credit report since  XXXX . My most recent complaint from  XXXX  was me asking  XXXX    XXXX   to remove the account completely from my credit report and their response was that they are unable to remove the account because it did in fact exist. What I guess I needed to clarify is that I 'm fine with the account showing up on my credit report but it still shows up as a delinquent account which is completely inaccurate and it has caused my credit score to plummet in the last 2 years and now is the reason I can not refinance my  XXXX  student loans. So the delinquency part of the account is what needs to be removed from my report.     Also, I have submitted requests to the credit bureaus to eliminate the delinquency from my account and they have failed to do so.
Consumer complaint received 2016-06-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This company began calling my number approximately XXXX 2016. I have continuously asked they remove my number from their contact list, as the person they are looking for does not live here. They insist on calling, at least 4-5 times per day even though the number is on the " Do Not Call '' registry.