davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

I have asked my relationship manager,  XXXX   XXXX , by phone and email if our loan can be non-escrowed and have not received a response. He has not responded to my email regarding this issue dated  XXXX / XXXX /  XXXX  . I have tried calling  Ocwen  customer support and  Ocwen  's Ombudsman office, but no  one  other than the relationship  manager  is allowed to speak to me regarding my account and he does n't respond to my requests.  Ocwen  's legal law firm,  XXXX   XXXX , responds to my complaints, but does not address all of the issues raised in the complaint. I sent an email to their legal counsel on  XXXX   XXXX  addressing the concerns that were not addressed in my last complaint. As of  XXXX   XXXX , he has not responded to my email.
Consumer complaint received 2017-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (FL)

account was settled {$660.00} for {$360.00} and paid as of  XXXX   XXXX ,  2017  and was deleted by  XXXX   XXXX  with  XXXX  and the debt was re inserted into my credit report with  XXXX  by  XXXX   XXXX  again.
Consumer complaint received 2017-06-13
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: Bread Financial Holdings, Inc. (OR)

In the past I have had hard inquiries on my credit from PayPal. I have never used PayPAl, I called them in  XXXX   XXXX  to disput. They agreed that they were false and they would have the inquiries removed. Dates of inquiries are  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  all from  XXXX . I looked it up and it is PayPal. These hard inquiries are all on my  XXXX .   Today I looked at my credit report and found another hard inquiry from  XXXX / XXXX / XXXX  on  XXXX  from a company called ccb/ppc. I looked this up and it is  PayPal  again. I have not authorized anything for PayPal.
Consumer complaint received 2017-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (PA)

On  XXXX   XXXX ,  XXXX , I had a loss in my home and reported it to  XXXX   XXXX  ; which was my homeowners insurance carrier at that time. A gentleman came out to assess the damage by the name of  XXXX   XXXX   (  which you will find the estimate attached ), A check was sent to me from  PNC  Bank for me to SIGN ONLY AND TO RETURN THE SIGNED CHECK BACK TO  PNC  BANK  ( f or which I did in  XXXX  ).     Sometime in  XXXX  of  XXXX , I had the work completed and sent the necessary repair papers in the mail to  PNC  Bank  (  the first time I sent the papers in I never heard anything back from them ). I processed to call them and was told that they had not received them. I resubmitted the papers again and again ; and there was always a problem with  PNC  Bank kept losing or misplacing my paper work. The last time I resubmitted the paperwork was in  XXXX , it is now  XXXX  and  PNC  Bank is still holding my check.     I received a letter from PNC Bank on  XXXX   XXXX ,  XXXX , stating that they had just been notified of an insurance loss that happened in  XXXX . When I was told in  XXXX , that it was being held in a special account  (  the interest rate should be high for  seven years ).     I have looked everywhere for the paper work from seven years ago. Now that PNC Bank has transferred my account to    XXXX  , WHERE IS MY MONEY FOR MY LOSS??????     PCN put a lien on my home for {$5000.00} dollars ; since my account has been transferred ; did n't  XXXX  pay them off???
Consumer complaint received 2017-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Complaint numbers below have not been addressed per the law therefor fraud has been committed False statements have been made Malice. A criminal acts have been made. Who will do their Job today. No investigation Still waiting on Loa the way the law calls for.n assignment sheet No audit done and cant be done without assignment sheet Changes made to contract without my consent loan extension not legal Payoff incorrect. Due to the above.
Loan should be void or pay contract value Damages of XXXX XXXX should be awarded. Or XXXX credit line opened with XXXX All Three CRA should share in the Settlement XXXX XXXX XXXX XXXX XXXX XXXX XXXX This loan should have never been approved I had no job no income no money an income was placed on application after I signed it. This is fraud and should be dealt with by Federal Reserve Justice Department and all other agencies. Predatory lending. Please forward to Federal Reserve.
Why are they allowed to do this I made another attempt on my life.
Respectfully XXXX XXXX
Consumer complaint received 2017-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (CO)

I deposited {$260.00} into my  BBVA  checking account on  XXXX   XXXX ,  2016  and they never appeared on my account so I filed a dispute claim and they have not given me my money back. I was unable to pay my car on time because of this and now I have late fees.
Consumer complaint received 2024-10-27
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. (WY)

Name XXXX XXXX XXXX XXXX XX/XX/year> ss # XXXX address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have sent 7 dispute letters to XXXX transunion and XXXX Informing them that the following accounts are being reported with out my written consent and according to 15 u.s.c 1681 b ( 2 ) any negative information being reported with out my written consent is considered identity theft also when ever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX transunion and XXXX are violating my federally protected rights.i have filed an ftc report # XXXX and have also filled out a identity theft Affidavit for the following accounts ( XXXX. ) XXXX XXXX account # XXXX balance {$26000.00} ( XXXX. ) XXXX  account # XXXX balance {$170.00} ( XXXX. XXXX XXXX acount # XXXX balance {$1400.00} ( XXXX. XXXX XXXX account # XXXX ( XXXX. ) XXXX XXXX XXXX  account XXXX XXXX balance {$6500.00} ( XXXX. ) XXXXXXXX XXXX acount # XXXX balance {$15000.00} please delete these accounts within 4business days of receiving this complaint.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account
Consumer complaint received 2017-11-04
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: ALLY FINANCIAL INC. (NY)

While inquiring about trading in my vehicle to purchase a new/used vehicle, I went to several car dealerships ( ex. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) and each dealership that I went to I explained to the sales person as well as to the finance manager that I did not want my credit ran multiple times nor to multiple banks as this would lower as well as have a bad impact on my credit score. I also explained to them how reluctant I was with signing the application because of those reasons as well and ever time they stated " oh the banks will notice that you are car shopping and if there are applications to the same bank they will only count as one if it 's within a 30 day period '' I am just now finding out that they all have provided me with inaccurate information and that if it 's more than 1 of the same inquiry to the same bank or company within 30-45 days only 1 inquiry should be showing up not 1 for every inquiry. I have notified the dealerships and the banks asking them to remove these inquiries from my credit report, however they continue to pass the buck. The credit bureaus ( XXXX and XXXX ) says they ca n't remove inquiries and to call the dealerships and dealerships say they ca n't remove inquiries and to call the banks, the banks says they are n't the one 's who requested the inquiries call the dealerships. XXXX stated that they ca n't see that far back to pull the application from XX/XX/XXXX. Ally ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), XXXX also known as XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I was just recently informed that XXXX XXXX ran my credit to 10 banks which is unacceptable when I specifically asked them not to. As a individual that work hard for their money and try to have things where its feesable for my pockets, I get very upset and find it disturbing that car dealerships will lie to customers in order to benefit and get over just to make a sale. As a customer these are people that we put trust into and they have let us down. It is extremly difficult to get a new vehicle, buy a house etc. with all of those inquiries.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I would like to transfer my points on Capital one Venture X card to my airline rewards program. However, Capitalone is not allowing me to do it. They claim that there is a system that they have which will " auto-resolve ''. I have spoken to their customer service teams 3 times in the last 48 hours. No one seems to understand what the solution will be. All they say is the system will " auto-resolve ''. When asked for a time frame, they say - " keep trying every day and one day it will work ''. This is absolutely a robbery in broad daylight of my own eligible rewards and points. When I asked them if they can transfer the points, they said, we can not do that, we only allow cardholders to do it. But when I am trying to do it, the website takes me in an endless loop of 2FA.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-06-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (PA)

I was never informed that this alleged debt was being reported on my files nor was i informed that I owed this debt or that a collection agency was going to be claiming that I owed this debt! I do not owe this money and this is to be removed from my report within 30 days! According to the FCRA I was to be notified that there was a balance and informed that this agency would be collecting a debt from me! I was never NEVER informed of this debt so in accordance with FCRA This is not a valid report and is illegal to report this to any agency! If it is not removed from my file I will file a lawsuit in regards to A FCRA violation!
Consumer complaint received 2017-06-13
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: TENET HEALTHCARE CORPORATION (GA)

I noticed that I had a negative account show up on my  XXXX  credit report a couple of years ago ( sometime in  XXXX  ) from Syndicated Office Systems representing  XXXX   XXXX   XXXX . I immediately called them to question this since I had never been a patient at  XXXX   XXXX   XXXX  prior to  XXXX , had never received any bills and had no idea this was on the credit report. I was told that I would have to straighten that out with the hospital. I not only called, but went to the hospital in person. The hospital could not locate any records after having to do a " manual search '' since it had been more than two years. This took a significant amount of time and follow  up ( several months ) to b e told that they could not find any records or bills. I have asked Syndicated Office Systems to on several occasions over the past 3 years via their website email to validate this debt. I have never received a response. I have disputed via  XXXX  several times only to be informed that the information has been " updated ''. I just recently sent an email on  XXXX   XXXX ,  XXXX  requesting debt validation, but have not received any response.   I find this extremely distressing since this is causing damage to  my credit score  and my ability to receive the credit I deserve. I am concerned that this is a fraudulent claim from Syndicated Office Systems to collect money from me. I 'm not that stupid as to pay money when I was not a patient. Unfortunately, the idea for these collection agencies is pay or have your credit affected -- extortion.
Consumer complaint received 2017-06-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (DC)

I am currently in a Chapter XXXX and whenever I am late paying my mortgage I have to pay the back payments and the Bank Attorney Fees. I have been denied loan modifications and I am consistently harassed via mailed by Pentagon Federal Credit Union and there Attorneys. I am having a hard time financially and filed chapter XXXX twice and I am working really hard to pay the back payments and need a modification and have been denied a modification twice. I think I am being treated this way because I am a minority and my house is in XXXX DC. I think its unfair that I am paying attorneys fees for the banking institution. My mortgage payment is {$1600.00} there attorney fees are {$510.00}. They have also scheduled court dates in addition to receiving payments. I really want to stay in my house and need help from the bank not be treated unfairly. Like the letter in this attachment I was late paying XXXX payment and now the Bank attorney wants an additional {$150.00} plus {$510.00} that I sent along with the mortgage payment of XXXX. I have all the documentation letters, payment receipts over the years were I have paid Pentagon Federal Credit Union Attorney Fees. I want it to stop!! For the record the house is contaminated, filled with mold, termites and water damage. I am taking all the extra money I have to repair and restore this home. I need help!!! I really need help!!!
Consumer complaint received 2017-06-12
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: Experian Information Solutions Inc. (PA)

I HAVE AN ACCOUNT FROM  XXXX   XXXX   XXXX   XXXX  SHOWING AS A CHARGE OFF ACCOUNT. THIS IS NOT MY ACCOUNT AND SHOULD NOT BE ON MY CREDIT REPORT. I HAVE CONTACTED EXPERIAN IN REGARDS TO THIS ACCOUNT MANY DIFFERENT TIMES AND THE ACCOUNT IS STILL SHOWING ON MY CREDIT REPORT.
Consumer complaint received 2017-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

In  XXXX , I financed my house at  XXXX   XXXX   XXXX   XXXX ,  XXXX , Georgia with  Ocwen M ortgage Co. The mortgage was interest only the first 10 years (  XXXX  ). In  XXXX ,  Ocwen  continued to bill me monthly and I continued to pay. On  XXXX   XXXX ,  XXXX ,  Ocwen cre dited {$6100.00} to the principal balance to my account. In  XXXX   XXXX ,  Ocwen de manded a payment in the amount of {$5900.00} plus {$960.00}. Included in this payment were {$680.00} interest, a late fee/short charge of {$230.00}. In a letter dated  XXXX   XXXX ,  XXXX ,  Ocwen  advised me that the payment of {$5700.00} was for undercharges and not applied toward the principal balance on my loan. According  to Ocwen 's au dits the principal balance on the mortgage has increased each month :  XXXX / XXXX / XXXX  - {$110000.00} ;  XXXX / XXXX / XXXX  {$110000.00} ;  XXXX / XXXX / XXXX  -  XXXX  ;  XXXX / XXXX / XXXX  - {$110000.00} and  XXXX / XXXX / XXXX  - {$110000.00}, no money applied to principal after  XXXX  's payment was made. In an attempt to prove their c ase, Ocwen se nt me a fraudulent Note dated  XXXX   XXXX ,  XXXX  along with other docu ments Ocwen sent me. Enclosed Letters and payment statements received from Ocwen.
Consumer complaint received 2017-06-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP (CA)

In XXXX 2016 I received a letter from Lineberger Goggan Blair & Sampson, LCC,  representatives for XXXX XXXX XXXX XXXX indicating that on certain dates in the months of XXXX through XXXX 2016 I made toll rides on the XXXX XXXX XXXX and at the time of the toll rides my account was at a XXXX balance. In talking with both the XXXX and its debt collection agency, Both these agencies instructed me to obtain documents that indicated that I owed the debt ( debt totaling $ 1600+ dollars ). Nither of these two agencies provided the information I requested in my written communications. After making one payment of {$580.00} the collection agency decide to make me an pay-off offer of {$530.00} which I did. So I paid of the $ 1600+ debt, I made a total payment of {$1100.00} with my XXXX . Then one month later, I get another demand payment letter from Lineberger Goggan Blair & Sampson, LCC, that two other toll violations made in XXXX ( which by the way were not originally included in the $ 1600+ invoice ) indicated that I owed an additional violation debt of {$160.00}. I wrote to the collection agency that I was protesting the invoice and the violations. I provided information regarding the licenses associated with the tolls, account statements, rental car receipts, etc. that proved that the travel dates indicated on the voice for which the violation occurred did match with the account statement showing the date entry, time entry, travel route, vehicle ID, and toll fee. My biggest problem and that neither one of these agencies responded to my request for more information. I was told by each representative ( verbal and written communication ) that I could make a request for more information, either through fax or written correspondence, which I did but as I said, to date, I have not received any documentation proving how I might owe the debt. This passing the buck back and forth between the two agencies when trying to get information has become very stressful. No one wants to pay such a large fee without any record of proof. As I said I did pay {$1100.00} of the $ 1600+ owned but now XXXX wants more .... without providing any documentation that supports their claim.