davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: OCEANSIDE MORTGAGE COMPANY (NC)

I have contacted Oceanside Servicing on numerous accounts simply requesting a payoff amount valid through XX/XX/XXXX. I initially attempted this via email ( as outlined in their faq ). Several days went by and we still received nothing. I have called a couple times being assured it will arrive in 3-5 business days. Still nothing. I called today XX/XX/XXXX and was assured it would be emailed to me by end of business day. I have still not received the payoff and they are closed. I close tomorrow XX/XX/XXXX, and will not be able to close without this payoff amount.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC (IL)

I have disputed incorrect information about XXXX  and opp loans starting XX/XX/2023. 
XXXX reports my balance as XXXX, they updated the correct amount which was XXXX on XXXX but refuse to update with the other credit bureaus. Opploans continued to report a balance that was paid off as well and instead of the credit bureau deleting this account they updated it because I had proof that it was paid off when in fact it should have been deleted because they knew that the balance was incorrect of XXXX and the credit bureau continued to report it even though they had a letter saying that I paid the debt off.
Consumer complaint received 2019-11-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Public record information inaccurate
Company: Aqua Finance, Inc. (TX)

XX/XX/2018-I signed a personal " unsecured '' loan for approximately $ 33k for home improvements roofing, siding and doors.I was promised in writing no lien would be placed on my home if financed through XXXX  XXXX XXXX and Aqua Finance Inc. " No lien '' was on their main web site and further emails I received. I was told verbally at least 6 times no lien will be filed.Aqua Finance company placed a UCC lien on my home without my knowledge.I was told by both entities no lien would be placed. After reviewing contract after discovery of lien, contract uses verbiage on application referring to UCC, security interest. VERY misleading and dishonest. If at any time I was notified by Aqua finance that a lien would be placed, they used misleading verbiage. XXXX  XXXX XXXX claims Aqua deemed it necessary to lien because the loan amount was over {$25000.00}. I was never informed or notified of intention to lien. Aqua refused my request to review the phone call of myself and Aqua authorizing the transaction and what was recorded. I specifically asked and clarified no lien on the call. XXXX  XXXX XXXX  has removed their " no lien '' advertisement since my complaint and has not resolved anything. All payments have been on time and I pay more than the agreed payment. Never late!
Consumer complaint received 2019-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I contacted transunion credit services about unauthorized credit inquiries on my transunion report and they did nothing, told me I have to get a letter from the companies to remove it, the inquiries are fraudulent, it make no sense, there is no protection for consumers, these companies do as they want and get away with it, there is no oversite of these credit agencies. 

here are the fraudulent inquiries on my report with transunion XX/XX/2019 from XXXX XXXX XXXX XX/XX/2019 from XXXX  XX/XX/2019 from XXXX  XXXX XX/XX/2019 XXXX  XXXX
Consumer complaint received 2019-11-22
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft.
Consumer complaint received 2023-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (VA)

I'm again extending complaints XXXX and XXXX with NewRez as we have just experienced another, incremental issue with our mortgage payment process.

According to the website, we are set to have automatic payments continue with our XXXX XXXX account. Since the principal adjustment was made today on XXXX with the second unexpected debit on XXXX, the next one is set to pull XXXX. However, we are also in receipt of a letter dated XX/XX/25 saying our automatic payments are cancelled for " other '' reason. 

Given NewRez ' website 's history of not showing accurate information, we are now completely unclear if our automatic payment will proceed as expected or is actually cancelled. 

Once again, we see conflicting information on the status of our mortgage payment from NewRez, which I believe places them in violation of federal law and makes it more likely that we will experience another error, which will result in more fees.
Consumer complaint received 2019-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SS # XXXX XXXX XXXXback in XXXX I was XXXX  on XX/XX/XXXX I had a beginning balance of that I don't know what was I don't have the account number from that time until the account was closed in the summer of XXXX I had no activity in the account because I was in XXXX XXXX until XXXX I notified the bank in XXXX that I was in XXXX and they told me that I owe them {$510.00} for a bounced check in Missouri and I told him that any activity during the time I was XXXX  and a time that was close the account was closed on a bounced check in Missouri was all a somebody else doing not me because I was in XXXX I told him don't that it was be under criminal  investigation so I hope they have all their the files on it they won't give me any information on my account at all they won't give me the account number I have all the information from social security on what was deposited into the account I have a letter stating when I was in XXXX  and XXXX  and I have a run around letter from Bank of America where they won't give me any information it's under criminal  investigation right now so if they destroyed any of the evidence they destroyed evidence in a criminal   investigation they had a copy of my ID so nobody else should have been able to take anything out with an ID because it wasn't me now I can't get the I can't get Bank of America to send me any information on when all the 30 proximately {$34000.00} that was taken out of my account while I was in XXXX  and XXXX and it's in the bounced check they keep putting fraudulent information out on the checking 's system in my credit so that's why are frog so they are committing crimes against me right now
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (AZ)

I feel I was discriminated against based on my color when I went into the US Bank location of XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 

Order of Events ============== On XX/XX/XXXX I went inside to make an appointment to open a checking account. I spoke with one of the tellers in the front an she informed me she could make an appointment for me. So she took my id and asked me what time did I want the appointment for. I said XXXX on XX/XX/XXXX. I saw her typing something and after a min she said ok you are all set for tomorrow. So I left XX/XX/XXXX at XXXX I went in based on this information and sat down. After about 5 min of sitting I was called over to a smaller teller window and a different lady asked how can I help you? I informed her of my appointment and I wanted to open a checking account. She looked and said she saw no appointment ( I could sense an attitude ). But I was patient. While waiting in front of her another XXXX  younger lady came in asking for notary services from another teller. 
She then said to me can you go sit over at another desk and I will be right there. 
So I did what she asked. She then immediately went to handle the white customers notary and left me there waiting. ( Let me say again that new customer that came in was already dealing with another teller ). So after about 10 or 15 min of waiting she then came over to help me. 

After giving her my information she then told me after about 5 min of putting it in that she could not open an account for me because of information in XXXX. I said XXXX??? I have never had any issue opening a bank account and have been long standing members of XXXX  XXXX XXXX with both personal and business accounts. I also informed her since I had a XXXXXXXX XXXX a XXXX XXXX asked me did I want a XXXX XXXX  checking account the day prior and I went through with it with no issues. 

So I left and contacted XXXX immediately. As I suspected XXXX had absolutely nothing in my file except an inquiry or two. I also checked my credit score and it was well over XXXX. I then started to investigate US Bank and they seem to have a long history of discriminating against XXXX  customers with literal class action lawsuits against them presently. 

It was a 100 % humiliating experience for me. 

Reference XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (KS)

I am requesting again in regard to the inaccurate and unknown inquiry on my credit report. There are multiple errors shown in my report. Please verify that this inquiry is XXXX percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this inquiry and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/2022
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My account with XXXX XXXX XXXX XXXX which was opened in XXXX and closed in XX/XX/XXXX and 100 % paid off keeps reappearing on my credit report even though they take it off and then put it back on.
Consumer complaint received 2019-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MD)

My loan was recently transferred from XXXX XXXX XXXX to Fay Servicing earlier this month. I was notified by letter dated the XX/XX/15 that I no longer needed my condo insurance policy on my loan but a payment was disbursed from my escrow to the insurer to prevent a lapse in coverage. 

I was directed to call a number XXXX in the letter if I had any questions. The customer service representative I spoke to could not answer how much or whether a escrow payment was made to the insurance company. He wrongly stated that my insurance policy was with XXXX XXXX ( it is with XXXX XXXX ) and could not answer what if any coverage I need to maintain for my loan. XXXX XXXX has no record of any payment being received so far and the policy is in arrears. 

He also could not give me a direct phone number to contact the escrow/insurance department and said that they can only be contacted by fax. I find all this to be unacceptable for a loan servicer.
Consumer complaint received 2019-11-11
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. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Consumer complaint received 2019-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

Our home was hit by hurricane Michael on XX/XX/2018. We have since been in the recovery process to try and repair and cleanup our home and property. 
We were told by Ocwen Mortgage that we could defer payments using their disaster relief process. Ocwen then transferred our account to PHH mortgage who did not onor this repayment process and wanted payment in full. We have contacted them on many occasions, at least once per week to try to rectify the status of our account. 

On XX/XX/XXXX PHH mortgage cashed a payment we sent at their request, to bring our account status back to correct, in the amount of {$6200.00}. On the same day they credited our payment they also sent our account to their attorney even though we met all of their requests. 
We have called them several times during the month of XX/XX/XXXX with no more information and no contact from their attorney. 
We sent our XX/XX/XXXX payment as prescribed in our mortgage in the amount of {$2000.00} and it was cashed by PHH on XX/XX/XXXX. 

It is now XX/XX/XXXX, and PHH mortgage is holding {$8300.00} in a suspense account. When we call PHH mortgage, they say our account is in Foreclosure, even though we have received no documentation yet to that effect. When we call their attorney, the attorney 's office says they are working on an amount to reinstate our account. 

The issue is that we get different information from different people at PHH. We have sent them money which they are not crediting to our account. They say we are in foreclosure yet we have NO communication or information about this. It has now been 38 days and they are not communicating and not following through. They are also not properly responding to their own attorney who says they are " waiting for information '' from the mortgage holder. 

During this process we have been responsive, and have sent in our payments which are not being properly applied to our account.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX, Capitol One did a *Hard Inquiry '' on my credit and it was supposed to be a soft inquiry not effecting my credit score but it did. 
I went online to file a complaint with XXXX and you can not do it there you must call I did and the automated system refuses to allow you to speak with a live person. 
The options i needed to dispute wasn't available so it kept pushing me back into the main menu. 
This happened over and over again. 
I am frustrated Capitol One sent me a " Pre-approval with confirmation number for a XXXX XXXX XXXX then said a soft inquiry would be done.. 
Not only was i not pre-approved but it wasn't a soft inquiry im now dropped points for a scam.
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (TX)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report. 

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Past due fees has been reduced from {$40.00} to {$25.00}, since the Credit Card Penalty Fees Final Rule effective date XXXX XXXX XXXX XXXX XXXX  past due fee of {$25.00}, XX/XX/XXXX past due fee of {$25.00}, and XX/XX/XXXX past due fee of {$25.00} has been applied. With the action that was taken by the company, they fall short of the new ruling implementations for Regulation Z amended XXXX XXXX XXXX I am requesting the company adjusts said past due fees to reflect the new ruling for Regulation Z with effective date XXXX XXXX XXXX 

Credit Card Penalty Fees Final Rule cited below from CFPB 's website. 
The Consumer Financial Protection Bureau ( CFPB or Bureau ) amends Regulation Z, which implements the Truth in Lending Act ( TILA ), to address late fees charged by card issuers that together with their affiliates have XXXX XXXX or more open credit card accounts ( referred to as Larger Card Issuers herein ). This final rule adopts a late fee safe harbor threshold of {$8.00} for those issuers and provides that the annual adjustments to reflect changes in the XXXX XXXX XXXX ( XXXX ) do not apply to this {$8.00} amount.
Consumer complaint received 2023-09-06
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. (TX)

Please see the attached XXXX  form and response letter from XXXX XXXX  and remove the account XXXX XXXX XXXXXXXX from my credit report. This will be my last attempt at fixing this error. XXXX has since removed this account. I am requesting that you follow suit and delete this account immediately.
Consumer complaint received 2019-11-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

An account was opened fraudulently at Bank of America on XX/XX/16, using my name and personal information. Turns out they used this account to cash a fraudulent check a little over {$3500.00}. Due to this circumstance I have been barred from opening an account at all financial institutions, which has significantly impacted my life negatively, since it has happened.
Consumer complaint received 2019-11-22
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2019-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2019, I booked a reservation at XXXX ( restaurant ) in XXXX XXXX, CA. This amount was {$1100.00}. 

The Amex Gold card is advertised to earn 4X Membership Rewards points on Restaurants. However, I only earned 1X Membership Rewards points with this transaction. 

As a consumer, it is only logical that I should earn 4X points for this, because : 1 ) XXXX is a legitimate, 3-XXXX  star restaurant. 
2 ) The only way to eat at XXXX is to book through their official website and pay. 
3 ) I booked through their official website and paid for my meal. 

I have reached out to American Express through their in-app chat feature on XX/XX/2019 but the chat agent refused to credit my Membership Rewards account.
Consumer complaint received 2019-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

As stated in a previous complaint on Portfolio Recovery Associates, they continue to provide invalid information. According to my lawyer the documents that they have submitted are hearsay and are invalid. In my research this company has done this to other consumers and has been sued in past in favor of the consumer. I would like for negative information to stop being reported on my credit reports and for the account to be removed before this situation has to go to the court of law.
Consumer complaint received 2019-11-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (VA)

I pulled my credit report and noticed there was a collections account from LVNV Funding. On XX/XX/19, I sent a letter to this collection agency asking if they could validate the debt. They did not respond. Instead I received a letter from Resurgent Capital Services dated XX/XX/19 stating they are a collection agency collecting on behalf of LVNV Funding. I then sent Resurgent Capital Services a letter on XX/XX/19 asking them how could a debt collection agency be collecting on behalf of another collection agency and to validate the debt. I also sent another letter to LVNV Funding once again asking them to validate the debt. On XX/XX/19, I received a letter from Resurgent Captial Services stating after their investigation they are closing my account ; however, as of XX/XX/19, I still have not received a response from LVNV Funding and the account is still listed on my credit report ( XXXX  ). I sent my final letter to LVNV Funding today XX/XX/19 and is asking CFPB to help me with this matter.
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc (CA)

XXXX XXXX, DE XXXX Per my credit report, this organization has ran my credit 7 times in the last 8 months. I've never heard of XXXX and have not provided them my personal information to allow them to run my credit. This are fraudulent inquiries and must be deleted.