davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-23
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Onity Group Inc. (TX)

Ocwen loan servicing LLC has violated ALL rules AFTER a BK discharge of a XXXX % exempt property. They knew of it as they were at the BK and cancelled lifting stay over 5 years ago. The last FILING of a suit against us managed to get a false judgement in the Fed court systems to then get a judgement on eviction and writ of possession. Knowing the rules, we could n't comprehend that on the day the writ happened they would break the law and hire the local constables, and police AFTER REPEATED notices to them and Ocwen of the proof of the BK 's orders and exemption papers and that XXXX of them would drill into my door and surround our private property to remove ALL our possessions and have ME XXXX and not my husband or friends who witnessed it! 

Calling it " XXXX '' and having no charges or warrants to back it. I spent 10 hours in XXXX XXXX without being allowed to speak to a judge or to see the charges all with out ever asking WHO I was! Sense then we 've been living in a motel and seeking Many charges against them. We put a claim on their bond and was given the access codes BACK to our home! 
We RETURNED to an uninhabitable home and asked to have it fixed and because of the destruction of our personal property and of our home itself and Because of our asking, they get someone to lock us out again and put back a for sale sign up AFTER I noticed all the other real estate web sites of the theft of our home not anyone having the right to sell it. I 've been also letting the agency 's know and at this point? It 's a waiting game and we are miserable! Thanks for reading ....
Consumer complaint received 2016-01-23
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Westlake Services, LLC (PA)

purchased a XXXX from XXXX, XXXX, pa .XXXX owner.from day one car had issues then found out the frame was completely rusted took it back to dealer, he took to his mechanic to fix which was never done four months still not done.but the police shut dealer down for racketerring and fraud which my car was involved in inspection sticker and emission sticker passed the jeep all under investigation by state police amongst other things list goes on, the mechanic has been leading me on four months now XXXX owner not paying the mechanic to fix car since he was shut down, i have been stuck four months now with ins and car pmts on a car i didnt even possess, bank says not their problem, what can i do.i did file a judgement with the local district justice which i am waiting to hear from soon.mechanic still holding car etc etc list goes on,
Consumer complaint received 2015-11-05
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (TX)

I found out my american expres card was cancelled and they did not even tell me why. 
I contacted customer service and all they could tell me was my account was cancelled because my recent {$7.00} payment to American Express was returned. It was returned because the bill payment service tried to take it out of a frozen account. I let them know this was an error by my financial institution that froze my account, which affected the bill payment service payments. They said it does not matter. That is rediculous! I have been a customer of American Express for over 20 years, with all payments made on time and an excellent credit rating.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is XXXX me out and making me XXXX Hope you can address this soon, please.
Consumer complaint received 2016-01-23
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX, 2015, I applied for a credit card at Lord & Taylor in New York. I was denied credit. This was highly embarrassing to me, since I have always had an outstanding credit rating. The formal rejection letter from Capital One said I could obtain my XXXX credit report, which I then ordered. That credit report did not show any debt ( our mortgage is paid off and I am retired ) and indicated that all credit cards are being paid monthly per terms. I wrote Capital One twice and copied their President, XXXX XXXX XXXX, after no response to my first letter. His office contacted me via phone but they were unable to provide any evidence of debt I have or even explain why my credit application was denied. Thus I am asking for CFPB to assist me. I obviously do not want a credit card from Capital One ( I used an XXXX XXXX card for the Lord & Taylor purchase ), but I do not want a credit denial lodged on my credit record, particularly since I am retired. ( I do have assets but not income from a job. ) I may want to get other credit cards in the future and this inappropriate denial of credit may prevent that. I asked Capital One to lift the credit denial against me since there was no justification but they have not done so nor have they provided any rationale for the credit denial. I have been highly dissatisfied with this experience and Capital One ( which continues to send me unsolicited offers for credit cards despite my having a " do not solicit '' request formally filed ). Thank you very much for your help.
Consumer complaint received 2016-01-24
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Med-1 Solutions, LLC (IN)

I 'm not certain if this choice best describes my situation. I had a medical bill from XXXX XXXX XXXX that was forwarded to Med-1 Solutions, LLC. The bill was from XX/XX/XXXX. I was unable to pay the bill do to my financial situation at the time it was incurred. I was unable to make payments on the debt during this period because of continued financial hardship. I received a notice from Med-1 that they would be taking me to court for the bill XXXX/XXXX/XXXX. The week prior to the court date I called and spoke with one of their representatives in their legal department. I advised her of my financial situation and asked if I would be able to make payment arrangements for the bill. She said I could. We worked out arrangements were I would make {$100.00} payments on the XXXX of each month, starting XXXX/XXXX/XXXX. She stated that she would forward me paperwork that I would need to fill out for them to deduct the payments automatically from my account. I agreed to do so. I received the paperwork the following week. I had not sent the paperwork back with my account information so they could start deducting the {$100.00} agreed upon amount on XXXX/XXXX/XXXX, when I noticed on XXXX/XXXX/XXXX that Med-1 had deducted a {$100.00} payment from my checking account on XXXX/XXXX/XXXX. This caused me to be quite embarrassed when I went to purchase lunch and was informed my card was being declined. I was also charged a {$37.00} overdraft fee on my account because their payment caused me to go in the negative. I called Med 1 that day and advised a representative of what happened. She said that she saw that arrangement in the notes pertaining to the {$100.00} payments starting on XXXX/XXXX/XXXX and did not know why the payment was taken out XXXX/XXXX/XXXX. I asked the representative how they obtained my bank account information since I had never sent them their paperwork back yet and that I would like to be reimbursed the {$37.00} fee. She could not answer that question and advised that she would have a supervisor listen to the call and get back with me. That has been over a month and I have yet to receive a call back. Since then I have received another collection notice from Med-1 for another XXXX XXXX XXXX bill that I have disputed with the original creditor. I have not contacted Med-1 since.
Consumer complaint received 2016-01-23
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

we have a few problems with Bank of America 1. Bank of America issued an incorrect payoff to our attorney. 
2. we had closing on our house XXXX XXXX, XXXX 3. Bank of America lost the wire transfer to pay the house off. 
4. We called many times to try and resolve it and ended up wiring an additional {$9300.00} 5. We had had to pay for forced placed flood insurance through XXXX XXXX eventhough we do n't own the house. 
6. they are supposed to cancel flood insurance and issue a refund from closing date 7. they have n't issued a refund of flood insurance we sold our house. 
8. The house suffered substantial damage in super storm sandy. it needed to be torn down and rebuilt. the flood insurance did not give us enough money to rebuild. so the house had to still have flood insurance on it even though it had no insurable value. 

Bank of America gave the lawyer the incorrect amount for payoff. Our title company wired the payoff on XXXX XXXX. Several days went by and our account did not reflect any payments. We called our lawyer and then the bank. Bank of America kept saying it would appear and give it more time. Finally after my husband had called almost every da we found someone in payoff who looked up the wire by the dollar amount and found that it had been received by XXXX XXXX. They said the amount of payoff was incorrect we owed money for forced placed flood insurance. We wired the amount they said we owed over {$9300.00}. We had to pay for flood insurance for insurance from XXXX XXXX to XXXX. They would cancel our insurance and issue us a refund. We received a letter saying they would refund us {$1300.00} because the insurance was not needed after XXXX XXXX. Closing was XXXX XXXX. 
we called XXXX XXXX, XXXX and a bank of America representative said the check would be received by us by XXXX XXXX, XXXX we called XXXX XXXX, XXXX and they said to give it to XXXX XXXX, XXXX if we still have n't received it they would issue an new check. 
we called XXXX XXXX, XXXX they said they had no record of us deserving a refund check. finally after being bounced back and forth between many departments they requested we fax them the letter we received from then because they cant find it. 
Bank of America is very difficult to deal with. They should have honored the incorrect payoff or they should have deducted what we owed after the flood insurance was cancelled and had up pay that amount so we would not have to wait for a refund. or how about they cut us a break and not charge us interest for the last 11 months. we paid our mortgage up until XXXX XXXX we just could n't afford it anymore we had to pay rent on a place to live. Its been horrible since super storm sandy.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2016-01-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX # XXXX is illegally reporting to my credit report affecting my credit report and score THIS IS NOT MY ACCOUNT please help me get this account remove asap ( according to FCRA 30 day full investigation should take place )
Consumer complaint received 2016-01-23
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (FL)

I have a paypal account with a credit card on the account. And yet, when I sent a payment to an individual via paypal, they decided to send the bill to a credit collection agency ( XXXX XXXX ) since I do n't want to give paypal my banking information. A collection agency that is never open by the way. And whose website does n't work so I ca n't pay this ridiculous charge with them. And paypal has closed off my account so I ca n't pay them directly or even contact them directly. This has cost me hours of time and anguish because the paypal process is completely inefficient. Paypal never contacted me about the charge that I assumed would be covered by my credit card on file. This seems to be paypal 's standard operating procedure. If you search for " paypal collection agency '' on XXXX, you will see numerous other people with the same problem. Just trying to pay the bill and clear my credit with paypal has taken hours of my time and I still ca n't reach anyone at paypal or their collection agency to get any resolution. The paypal firewall to block their own users from fixing an issue is the most concerning problem. Thank you
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2015-11-05
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have an FHA mortgage with SPS Servicing. I went through a trial modification and was offered a modification that was not acceptable. I have asked for alternative foreclosure prevention that they outlined in their correspondence to me. When I asked about it they said they would not work with me on any of the alternatives. They failed to follow FHA guidelines while foreclosing as they have not offered to meet with me face to face to discuss my modification or alternative foreclosure prevention.
Consumer complaint received 2015-11-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Dominion Law Associates, P.L.L.C. (VA)

I settled in full with XXXX XXXX in XXXX 2013, I paid XXXX to settle, they said ok. Next thing I know some collection agency has a judgement against and calls my house on a daily basis!! This was settled in full, I paid more than XXXX % of the debt, I broke my foot and was not insured, I did not ask for that!! I am single mom trying to make ends meet, and the collection agency keeps saying they have lean against my house, when the balance after I paid the Settlement was XXXX dollars. I do n't understand how they can ruin my life like that! Dominion Law & Associates at XXXX ... I want that judgement removed and for them not to call me ever again! they claiming thousands of dollars even though I settle in full!! I do n't understand that!!
Consumer complaint received 2015-09-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Focus Holding Company (ME)

A robo-call identifying itself as " Focus Receivables Management '' at XXXX calls our landline frequently, urging us to call them back immediately, to find out about a problem we have with an undisclosed company they work for regarding an unpaid/overdue debt. The robo-call never discloses the company pursuing the debt, and we have no directly communication from any company about a debt we are overdue on.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

vrthing began back on XX/XX/year> at XXXX he received an alert saying that his social security number has been compromised on the " dark web ''. I never had an idea the message were true because I thought it was scam. My XXXX XXXX and XXXX ). charged XXXX on my XXXX XXXX, {$15000.00} on my XXXX and also took out a loan in my name for a unknown amount. later this year victim I saw the results of more identity theft this XXXX XXXXXXXX unknown to me and XXXX XXXX these accounts are not mine I am growing tired and weary of so much run around s and then evrything goes from XXXX to worse inquirires on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-21
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. (OH)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-11-21
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. (TX)

Upon reviewing my credit report, I found unverifiable, inaccurate, and questionable information that your agency failed to ensure was XXXX  % accurate. This has caused me significant frustration. Additionally, the accounts in question lack sufficient validation. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e ( b ) and 1681i ( 5 ), it is your responsibility to report only accurate information. The continued reporting of these items violates these requirements. I have attached copies of my previous letters for your reference. 

Please conduct a proper investigation, remove any unverifiable or inaccurate items, and ensure my report is accurate.
Consumer complaint received 2024-11-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2015-12-08
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Sullivan Asset Management, LLC (IL)

XXXX got this debt firat and then sold it to XXXX XXXX and then sold it to Sullive asset management. all collectors violated fcra, fdcpa and tcpa along the way. ( SEE CALL LIST WITH XXXX PHONE NUMBERS CALLED OVER THE LAST 7 YEARS )