davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

**This is not  an Duplicate Complaint. Follow up from Complaint  #  XXXX  There is no need place an " Dispute '' on this account your claiming is mine.     The aforementioned credit collection agency representing whomever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,  XXXX  and  XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If ARS Account Resolution does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay  ) the y need to retract this from my credit file immediately.
Consumer complaint received 2017-04-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

On or about  XXXX   XXXX ,  XXXX , I opened a business account wi th Citibank.  I filled out all of the paper work th at Citi req uired. I have had no issues with the bank until  XXXX   XXXX ,  XXXX , when without notice they closed my account and withdrew {$10000.00} out of the account. I place a call to the branch to find out what happen as I though my account was hacked. I was informed that because of the fact that the bank was missing some paper work they closed the account and would be mailing me a check. I requested that the account be reopened immediately and that the money put back into the account. I was told that they could have the account opened the next day but that they could not redeposit the money. The bank went on to say that they were not able to put a stop payment on their own check. When I asked how my company was to pay its bills, I was told - I do n't know and there is nothing we can do.
Consumer complaint received 2024-11-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: M&T BANK CORPORATION (MD)

Email sent to M & T Bank Hello, Ive pulled my mortgage history from my dashboard on your website. Please review. EACH manual payment accounted for in my history on my M & T Bank portal was recorded as paid and received. 

Attached to this email you have the following proof : Statement in excel form from M & T Bank My bank statements that show POSTED payment dates Photocopies of the confirmations of payments received by M & T Each payment made aligns with the confirmation emails provided by M & T, the history report from M & T, and my bank 's account of the posted payments for my mortgage account. 

Actions taken from XXXX XXXX today : I have sent over 30 emails with proof and request of resolution since XXXX of 2024 I have called and spoken to countless representative for no less than 1 hr for each call I have had my own banking ( XXXX ) representative on the phone with myself and an M & T representative to review every single posted payment through XXXX of 2024. 
Additional entities provided the attachments and emails : Office of Financial Regulation of MD Federal Reserve Board CFBP  M & T continues to report me one month behind since XX/XX/year>. I am requesting now as I have been for four months : Report me current via my mortgage payments Correct EACH negative reporting to the Credit Bureau, beginning in the month of XXXX XXXX XXXX Loan Number XXXX XXXX XXXX XXXX XXXX XXXX  MD
Consumer complaint received 2022-07-18
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. (CA)

I have disputed this account numerous times already which resulted from alleged identity theft. Again, Im sending over identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. This particular account is undoubtedly placed as a charged-off account, why is there a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it with XXXX or eliminate the account certainly. 

XXXX XXXX Balance {$580.00}
Consumer complaint received 2017-04-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (GA)

I had a  XXXX   XXXX   XXXX   XXXX  with Exeter Finance Corp . I have had issues with the company from the start with their collection tactics as well as the predatory interest rate I had with them. I voluntarily surrendered the vehicle back in  XXXX   XXXX . On each occasion I contacted the company to make sure that this will show up on my credit as a voluntary surrender as well as contacted to see when they would pick up the vehicle. I havent heard anything else from the company since I had made initial contact. I checked my credit on  XX/XX/XXXX  and discovered I had a charge off from the company. I immediately contacted them by phone where I verified my current address twice with them. I asked them why they havent sent me any accounting of my account with them. They stated that they did and they received a return sender letter. They also stated that I didnt update them with an updated address even though I have had the same address since the beginning of the loan. I requested that they send a copy of the return sender letter for proof they did attempt to send me an explanation of proceeds in which they couldnt provide. It wa s one r epresentative that I spoke with that went as far as saying that the charge off was going to stay on my credit because I didnt comply! I never received anything from the company to comply with!  A manager at Exeter stated tha t I should dispute this issue directly with the credit reporting bureaus. The lack of assistance, unlawful reporting and unethical, deceptive practices by this company is extremely frustrating!
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX reporting the ( 5 ) charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX   submitted a dispute to Transunion for various accounts.
  XXXX  r eceived response from Transunion.  XXXX  of the accounts I disputed for inaccurate reporting was     XXXX   XXXX     acct #    XXXX    in the amount of {$600.00}. please see exhibit   XXXX    where I challenged the reporting. This is the only   XXXX   XXXX    account on my report ( see exhibit  XXXX , transunion report dated   XXXX   ). Transunion responded that this account was deleted ( see exhibit   XXXX   ) however it still shows on the    XXXX    report ( see exhibt    XXXX    ).    XXXX    called Transunion and spoke to   XXXX   about this.   XXXX   gave me various reasons why it still showed.   XXXX   ) creditor did n't respond in time ( FCRA violation 611.a.1.a and 5.a.i )   XXXX   ) Another account with same name and account number were deleted ( FCRA violation 623.a.1.a ) and creditor added back on after deletion ( FCRA violation 611.5.b.iii ) I asked   XXXX   from Transunion to delete since there was a FCRA violation for each of his responses but he said all he could do was dispute it again. Since Transunion had the required time to dispute what I asked them to dispute they should not have another   XXXX   days. They did work on the account in question as they removed the reporting boxes that for the payments I questions for  XXXX ,   XXXX   ,   XXXX  , XXXX   Transunion has willfully not complied with my request and has violated federal law on this dispute.
Consumer complaint received 2022-07-18
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. (OH)

In accordance with the Fair Credit Reporting act ; XXXXXXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-04-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

I had applied for a modification on my property and have received more than  XXXX  modifications in the pa st 7 + ye ars. I had applied 1 year ago and the process took the whole year to give an answer. In the meantime m y Condo Association has  filed to foreclose on my Condo for past due fees. In NJ there can go ahead of the First Mortgage. In  XXXX  of  XXXX  I filled a Chapter  XXXX  Bankruptcy. I was asked by my mortgage company to continue submitting documents to hopefully get another modification. Since filing for the Chapter  XXXX  bankruptcy there have asked for documents in many many different forms that were very strange. They wanted proof of income but in  XXXX   XXXX  they told me a  XXXX  was not proof of income. I was in the mortgage business 20 years ago and could not believe this was true. I did finally send an acceptable document and then they rejected my application but failed to send anything in writing to me or my attorney ( They have said many times they had sent documents. Never. ) I was told to apply again but The response which was also not sent was that that they could " not lower my payment by 20 % and therefore I was rejected  ''. ( This only took 2 weeks. ) I  spoke with my mortgage rep at the mortgage company and he was able to email me the letter. I then read my local newspaper  XXXX    XXXX   XXXX    XXXX  and saw that you are suin g Ocwen Loan Servicing a nd that is my mortgage company. I also have had a add-on of property insurance and it took, me 18 months of fighting and just  3  week ago they agreed I was right and credited the money back to my escrow account. I can not get a copy of my escrow to see if there are any other add-ons that need correcting. I do n't know what can be done but this company will not talk to me. or my attorney. I am a recovered  XXXX   XXXX   XXXX  patient. My health is doing very well. I have been able to increase my income and I was told that was the reason for the last modification denial. Now the reason has changed. I do n't understand there current reason and do not know what to do to save my home. My chapter  XXXX  may be able to work but Ocwen 's reason is the modification denial is making that impossible. When I read the newspaper article I thought I should contact you for your help.
Consumer complaint received 2024-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I deposited a XXXX XXXX XXXX in to my account the account was placed on a 14 day hold on XX/XX/XXXX the funds were released in to my account however the bank would not release the funds to me the account remained frozen. I tried working with them by way of going in to the branch and via phone nothing was done at all. I tried to reach out to settlement company to see if they could issue me a replacement check and was advised that the funds were withdrawn from their account by the bank and the check shows cashed therefore they could not issue me a replacement check. Since XX/XX/XXXX I have been calling every XXXX days for assistance with this matter and all I have been getting is the run around. I need these funds to repair my roof. How can a bank just keep someone's money this way.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MoneyLion Inc. (TX)

REVIEWED MY CREDIT TODAY XX/XX/XXXX NOTED THAT SOMEONE APPARENTLY OPENED AN ACCOUNT FOR {$1000.00} ON XX/XX/XXXX. I DID NOT OPEN THIS ACCOUNT AND AM WONDERING HOW SOMONE CAN OPEN AN ACCOUNT UNDER MY NAME WIHOUT MY KNOWLEDGE. I HAVE BEEN RECIEVING LETTERS FROM VARIOUS BUSINESSES AND BANKS SEEKING VERIFICATION FROM ME, AS THER HAS BEEN INSTANCES WHERE FRAUDELENT ACTIVITY HAVE BEEN NOTED ON MY ACCOUNT, IN ADDITION ME AND MY HUSBAND JUST EXPERIENCED FRUAD IN OUR BANK ACCOUNTS AT XXXX THIS PAST WEEK. 
I THOUGH I WAS PROTECTED WHEN I OPENEND AN XXXX ACCOUNT AND LOCKED MY ACCOUNT XXXX AM VERY DISTURBED THAT THIS COMPANY ALLOWED A LOAN UNDER MY NAME. AS RESULT MY CREDIT SCORE, WHICH WAS ALMOST XXXX IS NOW IN THE XXXX. 
PLEASE HELP RESOLVE!
Consumer complaint received 2017-04-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

Ocwen took over our loan from Litton in   XXXX  . The interest rate on the ARM went up & we co uld n't afford the monthly payment. In   XXXX   XXXX    Ocwen ga ve us a modification at 2 % fixed and {$2700.00} payment which we could afford. In   XXXX   XXXX    Ocwen raised i t to {$3400.00} per month citing negative escrow balance. I called & they said my property taxes went up. Me and my wife work long hours, & it 's tough to find time to make phone calls or go to offices. I managed some time & went to    XXXX   XXXX   Tax  Collector 's office. I was told the property taxes have n't gone up & have stayed at about {$8000.00} per year. After several back & forth phone calls to  Ocwen, th ey could n't explain the reason for payment increase. They asked me to write to their research office in Florida. In    XXXX   XXXX    I sent them a letter asking for details on the negative escrow balance. They never responded.     In    XXXX   XXXX     Ocwen offe red us a modification & we made  two  trial payments of {$2400.00} eah in   XXXX   &  XXXX . They sent us the agreement to be signed and sent back with the last payment. Ocwen was raising our interest rate & adding a balloon payment of {$120000.00} which was never disclosed to us at the beginning. We did n't sign the agreement.     In   XXXX   XXXX    Ocwen ra ised our payment to {$4100.00} of which {$1900.00} is principal & interest & {$2200.00} is escrow. I called them & tried to get the details of how our escrow went negative when the taxes are included in the payment & are paid regularly, but they have no clear answer. We ca n't afford it and they have sent us a default notice.   This is me and my wife  's one &  only primary residence where we live with our  XXXX  kids  XXXX  &  XXXX , & my parents  XXXX  &  XXXX , & we will be in great distress if we lose our home. We are working with Save Your  Home Californ ia to help keep our home. I want to know the reason &  Ocwen t o provide proof as to how our payment went from {$2700.00} per month to {$4100.00} per month in less than 3 years.     On Friday,   XXXX   XXXX  , I read news about the lawsuit CFPB filed against  Ocwen. T hat made me realize that we are not alone. Thousands other families have similar problems. Then I visited this website to file this complaint.
Consumer complaint received 2022-07-17
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/22, an automatic payment was made to my Amazon Credit Card maintained by Synchrony Financial in excess of {$7000.00} ; normally the payment to this account is under {$1500.00} so I was not expecting this large an amount and my checking account was overdrawn. I contacted both my credit union ( XXXX ) and Synchrony Bank to determine how best to resolve this situation ; I was more than able to make a payment for this account but needed to promptly deal with being overdrafted by almost {$3000.00}. I had hoped that Synchrony could return some of this payment electronically, but they indicated they could only do this by sending me a check which would take more than a week. The person I was speaking with at Synchrony told me to contact my bank to have the payment reversed. 

At this time, I was unable to make a payment from my checking account since it was still over drafted, so I added the account information from my XXXX XXXX  account in order to make a payment on the account as quickly as possible. Several days later, however, this payment attempt showed as having failed ( Synchrony has not provided any details as to why ) ; by this time ( XX/XX/22 ), I was able to make a payment from my checking account. 

I found out over a month later this account had been closed. The agent I spoke with ( XX/XX/22, XXXX ) said it was because of two returned payments. I pointed out the I returned the payment based on the recommendation of the bank, and the second payment was not returned since she indicated it could not be processed ( " splitting hairs '' according to the agent ). When I asked her who I needed to speak with to correct this, she said anyone attempting to re-instate my account would be fired. 

At the very worst, I was ten ( 10 ) days late in making my payment, and this for an account that had never had a late payment. Closing my account because of an oversight on my part- which I promptly corrected - and an error which Synchrony can not explain or provide specifics how it would impact my account, is an unreasonable reaction.
Consumer complaint received 2022-07-18
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. (IN)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information and accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$6000.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$7900.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$100.00} IN XXXX XXXX XXXX Balance : {$2200.00}
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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

XXXX XXXX XXXX : XXXX, XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, have 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 an account without my written instructions.

15 U.S.C. 1681 c. ( 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 in inaccurate.
Consumer complaint received 2022-07-17
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)

The credit bureau stated that my account was properly investigated but how is that possible if the following items are all inaccurate : the high balance amount date of last activity date reported date opened date closed creditor type listed as finance/personal last payment account type the creditor remarks are also inaacurate This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 section 602 A which states that I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-18
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. (OH)

In accordance with the Fair Credit Reporting act ; 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.