davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (PA)

Homeward Residential was my original mortgage servicer but later it changed to Ocwen. Loan My mortgage was paid off in 2013 ( I have attached copies of the letter I received at that time ). Recently I applied for a home equity loan at my bank and was told that I still had a mortgage showing for something like {$69000.00}. I showed the loan officer at the bank the paperwork I had showing this was paid. The loan officer told me that the Satisfaction of the lien paperwork for my mortgage was never sent to the city for recording. This was approximately 3 weeks ago. I called Ocwen and explained  my situation. The person I spoke with ( I did not get their name ) agreed that the loan was paid and said they would send something to the bank verifying this information. This was on a Monday. I thought everything was being processed so my loan should go through now, however that week on Wednesday the loan officer called me again asked me to come in so we could have a conference call with Ocwen and she would tell them exactly what she needed as far as paperwork is concerned because the paperwork that was faxed to her was not signed by anyone at Ocwen ( copy also enclosed ). I went to the bank that Friday and with the loan officer we called Ocwen and explained the situation again. The person I spoke with did not seem to understand what I was saying because they kept asking me if I wanted to make a payment so eventually I asked for a supervisor. The man I spoke with ( I did get this ones name but don't have it in front of meXXXX something ) stated he needed 48 business hours to research the matter. The bank told me she would probably know something by the following Wednesday morning. I did not hear from her but on that Friday Ocwen called and said they needed another 5-7 business days to research the matter. It has been about 3 business days and I am still in limbo. This is really interfering with my plans. The bank initially offered me a {$260000.00} home equity loan but because they can not see that my mortgage is paid they have dropped that sum to {$95000.00}, despite me having excellent credit. I told Ocwen this was a time-sensitive situation but can not seem to get cooperation. I am aggravated with talking to a different person every time and this not filing of paperwork should be illegal. The satisfaction paperwork should have been filed with the appropriate agencies 6 years ago and due to negligence somewhere along the line I am not able to get the credit I need and deserve. God forbid I was incapacitated and someone taking care of my estate had to deal with this nonsense, they might have taken my home or money that is not owed to them. What would happen if I tried to sell my home?
Consumer complaint received 2022-07-14
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)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracieson my Credit Reports. 
Upon reviewing my credit file, incorrect information was found in myreports. The XXXX, XXXX and Equifax Credit Bureaus has not complied with theFCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified informationwithout any proof provided, within the time allowed by law, is not authorized. Below are theitems that are reporting on my Credit Reports : XXXX XXXX ; XXXX, XXXX, T ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX A XXXX XXXX AV XXXX, IL XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2016 ; DP OF EDUC XXXX Balance : {$17000.00} XXXX DP OF EDUC XXXX Balance : {$9400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$4200.00}.
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

Theres has been fraud on my credit report. Someone opened a credit card with Barclays Bank of Delaware for over {$10000.00}. I tried contacting Barclays already and they suggested that I contact you guys.
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Amsher Collection Services, Inc. (NY)

Just saw an incorrect open account from XX/XX/2020 from XXXX XXXX XXXX XXXX list with a collection agency called Amsher collection that I have no knowledge of. And, did not open any account with a communication company on XX/XX/2020. 

In addition, never received a disclosure in accordance with Federal Truth in billing or credit reporting act as a matter of law. 

Please have it remove now in good faith and follow FTC guidelines.
Consumer complaint received 2020-09-17
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. (PA)

On XX/XX/2020 I 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 30 days gives a reason to immediately remove those items on 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 data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-16
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: Certegy Holdings, LLC (LA)

RETALIATION by XXXX against consumer file and financial reporting systems through XXXX, XXXX, a wholly-owned XXXX subsidiary XXXX XXXX XXXX XXXX 

XXXX XXXX, is a wholly-owned subsidiary of XXXX as XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the laws of the State of Georgia, XXXX established notably in XX/XX/XXXX, by XXXX. 

On XX/XX/XXXX, XXXX XXXX, filed an immediate ADVERSE ACTION of financial services against the consumer stated herein to this complaint, without sufficient cause, credible or proper reason, notice, or any justification and/or explanation for such cause resulting in distress, humiliation and violation to the consumers rights and social standing. 

The consumer attempted to resolve the issue immediately by phone as stated according to the ADVERSE ACTION NOTICE received, however, NO SUCH REMEDY for the ADVERSE ACTION was available to the consumer by phone. 

So, immediately following the call, the consumer again, requested a copy of the credit report by fax, for any and/or all account information on file that XXXX XXXX XXXX XXXX XXXX subsidiary would have. 

Since reporting XXXX abuses of the consumers credit report and account, following repeated unauthorized release of the consumers information, unfair score and reporting practices and violations, various undisclosed and inaccuracies are continuing to be exercised against the consumers financial records, accounts, reports and reporting services both by XXXX XXXX, and XXXX which is resulting in undue distress and continuation of unnecessary violations of CFPB guidelines.
Consumer complaint received 2020-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (DE)

After a previous complaint with CFPB ussa contacted me and stated they would attempt to help me. they refunded me for two nsf charges, I was originally charged 22 fees resulting in {$630.00}. I was told that they would try to help with the rest of the fees after further review. later in the day I recieved a email stating that ussa only charges a max of 3 nsf charges per day. after seeing this I check my online statement and saw that they changed every nsf charge ( that all were originally charged and dated within a two day period ) to reflect that there were evenly spaced charges, three per day. I've never seen anything like this! this has to be illegal!! They fraudulently changed the dates off these fees to fit their policy so they would not need to refund them. I have cell phone pictures of the original screen showing the real fee transaction dates, which were all in two days!
Consumer complaint received 2024-11-22
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo didn't notified me about a settlement check issue in XXXXXXXX XXXX I used to lived there between XXXX. The money was reported to Texas Controller Office  in XXXX. I need a copy of the check to collect. Per Wells Fargo settlement department provided me with in XXXX {$150.00} Refer XXXX talk to them XX/XX/XXXX. The rep stated the check will be reissue allow XXXX weeks. Is this the same reference number XXXX or a different one? 

If the same one please recalled information from XXXX. If, not would like a copy of the check to obtain my money.
Consumer complaint received 2020-08-26
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$3000.00} XXXX XXXX {$22000.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} US DEP ED XXXX {$23000.00} US DEP ED XXXX {$2900.00} XXXX XXXX {$3800.00}
Consumer complaint received 2022-07-14
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: BARCLAYS BANK DELAWARE ()

I was happy with the resolution provided before, as per the response attached, it resolved the problem. However, the charges in question have once again been reapplied to the account that now has a {$330.00} balance.
Consumer complaint received 2022-12-12
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: HW Holding, Inc (MO)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-11-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo is committing Securities Fraud by, taking my Endorsed Promissory Note and securitizing it and depositing it into assett pool to be traded ton the secondary market for gains and dividends to enrich them selves off of my property. 

Please refer to attached documents for full description this of Security Fraud violations matter.
Consumer complaint received 2019-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

I received a letter dated XXXX XXXX from XXXX XXXX that it was transferring my loan servicing to Specialized Loan Servicing ( SLS ) in XXXX, Arizona. 

I was not concerned at first. But then, there were nothing but problems with SLS from the day of the transfer. It took weeks to even speak with a person from SLS about the transfer. 

Once I spoke with a representative, I set up weekly mortgage payments, as I had done with XXXX XXXX for years and I never had any issues. 

Once the ACH debit was set up and confirmed via phone and I received an " Electronic Funds Transfer Enrollment Confirmation '' -- I thought everything was set up and expected smooth sailing. 

My first payment was applied to my payment as set up. 
My second weekly payment was applied to principal, not as a payment, potentially making my full payment late. And then, I received an " Automatic Payment Cancellation Notice '' letter dated XX/XX/XXXX explaining that the ACH had been cancelled. 

I spent hours on the phone and on hold trying to correct the misapplied payment and trying to figure out why the ACH was cancelled to no avail. It was very stressful. I never experienced this situation and I have owned a home for 25 years. No one at SLS ever returned calls as promised. Then, I read reviews on the XXXX XXXX XXXX with people citing the same problems of cancelled ACH and misapplied payments. 

Several, like me with a credit score above 800, cited they never resolved the payment problems and that their credit score dropped because of a supposed missed payment. These folks warned others to refinance quickly before credit scores dropped because of SLS mishandling payments. 

This concerned me greatly. After 7 hours on hold, I realized I had to refinance quickly. This cost me about me about {$5000.00}, but thankfully, I am away from SLS. 

Please research this servicing company, this company needs to be shut down. 

Thank you.
Consumer complaint received 2023-01-06
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-04-01
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: GOLDMAN SACHS BANK USA (NY)

XX/XX/ two cards {$16000.00} {$430.00} and {$5000.00} Next morning tried to return items from previous evening after checking on company was a scam Merchant would not accept them claimed no refunds Merchant sent more items to my home across the country Disputed transaction with company then credit card company Now I pay my charges but not scam charges. Interest mounting.
Consumer complaint received 2020-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (TX)

I had been a XXXX XXXX customer for over 10 years with a scheduled automatic payment plan set. Therefore never missing a payment. Once XXXX XXXX XXXX purchased XXXX XXXX they begin taking the automatic payments and applying it all to their account. I will upload the log that shows I tried numerous times to resolve the issue with both XXXX XXXX XXXX and XXXX XXXX. Both acknowledged that I was correct but stated it was the others company responsibility to take corrective action. After going back and forth with them I decided to close the account. I do not owe this amount. My Internet service was only {$39.00} a month. Besides it is impossible for that bill to be {$670.00} when that portion was only {$39.00} monthly. And the bill was current when I closed the account. I am caught in the middle of two giants. Both sides kept stating that they will look into this matter and concluding that I was right yet it always resulted back to them pointing the finger at the other for having the responsibility to correct how the funds were allocated. And each month I was flagged as being past due. I tried to get this removed from my credit report but was unsuccessful. Credence Resource Manage refuses to delete it. I am contacting CFPB for help to get this removed from my credit report. I am a responsible Veteran who is also a responsible consumer. I upload sheets of paper that I maintained customer service reps names, dates, and outcomes. It shows how I was repeatedly hang up on and lied to saying they will fix it but never did.
Consumer complaint received 2020-09-02
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: LEXISNEXIS (NV)

While reviewing my credit report on XX/XX/2020 notice that an Bankruptcy filing from the U.S. court of Nevada, XXXX XXXX. There were information in regarding the bankruptcy that was reported to the credit bureaus by these data providers who are third party recorder who report information to the three credit bureaus. Which are XXXX XXXX XXXX I am exercising my rights under the fair credit reporting act, section 609, to request information regarding. As per section 609, I am entitled too see the source of information, which is the original contract that contains my signature from these three data provider XXXX XXXX XXXX XXXX, Lexus nexus. If either of these parties disclose this information to the credit bureaus which is illegal without my consent I am requesting that this item be removed from my credit report within 30 days of this complaint. These data providers are illegal selling consumers information to the three credit bureaus for their company profit.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Social : XXXX DOB : XXXX To whom it may concern, Please remove the fraud alert that you have on my credit file, this fraud alert should not be a part of my credit file. Please send me an updated copy of my credit file to the address listed above, thank you in advance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (FL)

I received a phone call from XXXX at Wells Fargo Auto Finance, and I told him what I have in process of suing the car dealership. He asked what Wells Fargo Auto Finance could do to help me. I told him that the monthly payments have to be lowered. I`m paying {$550.00} for a used car that is only worth {$15000.00}, so I can not refinance. He said they 'can`t do that ', so I hung up on him and blocked his phone number.
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (IA)

Sears Credit Cards, XXXX XXXX, SD I never received the statement with a payment due date of XX/XX/20. Only found out when I received a phone call saying the account is past due. I then paid via electronic transfer the full amount of {$410.00} including a late fee of {$28.00} and interest of {$6.00}. I had previously signed up for paperless statements and when I did not receive one, was told that it was returned and no further communication was attempted so a service charge was put on my account. I cancelled the paperless and now the same thing is happening with mailed statements. Wondering if this is a way to add fees and charges as I never carry a balance and have an excellent credit score.

Sears Credit Cards responded that it is a valid charge.
Consumer complaint received 2022-07-21
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. (NY)

On XX/XX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days i request these items be removed, if not I will file for litigation due to the stress this has caused me.
Consumer complaint received 2022-07-14
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 have been submitting letter since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized remaining inquiries listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX