davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

On XX/XX/2020 I was scammed out of XXXX dollars I contacted the scammer asking for a refund or to send my money back and was blocked I then sent a complaint to cash app about the issue with proof and they still didnt want to help with the issue Im having a hard time right out Im out of work
Consumer complaint received 2015-05-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (DC)

I originally had a mortgage with Country Wide mortgage. The company was taken over by XXXX XXXX XXXX. I had paid the mortgage on time for a while. Then a few years later I started having financial problems. I tried negotiating with my motgage company and they appeared to want to work with me. As time went on I applied for a loan modification. They sent me a modification package. I filled it out and they was always some technical reason for not granting the modification such as not a complete file or the package being mailed or faxed a day late. This excuse went on for long time, My XXXX servicer was a person named XXXX XXXX. After her I had XXXX other case managers, I hired a modification specialist to handle my case and they filled out some papers ang gave me some advice for over {$3000.00}. I think I was ripped off because I did n't get any results from them. The modification process dragged on until the begging of this year when I sent a letter that my note was sold by XXXX XXXX XXXX to an investor and that Caliper Home Loans would be the servicer of the loan. I calll them and spoke to a customer representative and told her that I was interested in modifing the loan. I was sent a letter in the mail. I filled it out and mailed it out to Caliper homes in XXXX and I was waiting on results as far a my modification decision. But during this memorial day weekend someone changed locks on my home after I left that morning. I would like for someone to help me so I can resolve this issue that has been going on for years. 
Thanks, XXXX XXXX XXXX
Consumer complaint received 2015-05-27
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

my husband added me as an authorized user on his account with his capital one credit card. M husband lost his job and stopped paying on the card and it went to collections. I recently went to apply for a small loan and was told that it was showing on my credit report that I was delinquent on my payments with capital one. I 'm only an authorized user. My husband called capital one and they confirmed this and stated that I needed to contact the credit bureau. I want to get my credit fixed and this off my credit reports ASAP.
Consumer complaint received 2024-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am writing to file a formal complaint regarding unauthorized credit inquiries made on my credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ) and potential aggravated identity theft under federal law ( 18 U.S.C. 1028A ).

Upon reviewing my credit report, I identified several credit inquiries initiated without my authorization or any permissible purpose as defined under FCRA. These inquiries have harmed my credit standing and have caused me significant distress. Furthermore, I suspect these unauthorized inquiries may be tied to identity theft. I have been unable to get these items removed from either credit bureau as they have verified to be accurate. I am unsure how they verified inquiries to be accurate if I have informed them that the information is due to fraud and not my approval.
Consumer complaint received 2015-05-27
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Oracle Financial Group LLC. (TX)

XXXX XXXX called from LLC and disclosed information to my employer.She told the receptionist that they would be serving me paperwork and that I would need to be present with XXXX forms of ID and my Manager would also need to be present as a witness.
Consumer complaint received 2015-05-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX XXXX, 2015, I faxed a letter to Transunion asking for a few items to be placed under investigation. I received a letter from Transunion dated XXXX/XXXX/15, stating they do n't understand the nature of my request. My letter was very clear and concise as to what it is I am asking them for. They have delayed the process now for XXXX days, which is very unacceptable and they have failed to conduct a proper investigation as they are supposed to begin the investigation within a certain timeframe of when the request for dispute is received.
Consumer complaint received 2024-10-01
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. (CA)

I have never had or applied for a credit one card. I was part of equafax data breach and I have been trying to dispute this from all through credit reporting companies with no avail. It's been years now that I have been informing companies of this fraudulent account.
Consumer complaint received 2015-05-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Recovery One, LLC (OH)

this was from XXXX which was a part of my XXXX bill. they 're stating that when i moved even though the service remained in my name and i still have aep they were not able to collect the amount from me. this information is erroneous.XXXX continued to bill me for my electricity but unforunately XXXX did want to remain my energy provider once i moved.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to formally dispute inaccurate information on my credit report, as provided by your bureau, and to express my concern over what I believe is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Ive provided proof of my identity being stolen and compromised by fraudsters, my police report, my FTC report, court documents, with my proof of identification documentation, and my address verification to this company to prove my identity, and innocence. This company continues to support fraud by illegally furnishing incorrect and fraudulent information on my credit report that Is against my rights. This company has violated my consumer rights entirely. This company did not protect me, and my information. This is the XXXX notice Ive sent to this company, and this company continues to ignore my rights as a consumer and furnish fraudulent inaccurate accounts and addresses on my credit report. This company also committed fraud along with the perpetrators by violating my rights. I as a consumer should have my rights under the FAIR CREDIT REPORTING ACT RESPECTED, PROTECTED, AND INFORECED TO KEEP ME SAFE AS A CONSUMER. AFTER THIS XXXX NOTICE, WITHIN 14 DAYS I WILL BE FILING A MOTION TO SUE THIS COMPANY FOR PAIN AND SUFFERING AND MY RIGHTS BEING VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE PATIENTLY GIVEN THIS COMPANY MORE THAN 30 DAYS TO VERIFY THESE FRAUDULENT ACCOUNTS, AND REMOVE THEM, BUT THESE FRAUDLENT ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS SHOULD BE REMOVED IMMEDIATELY, BUT THIS COMPNAY CHOSE TO VIOLATE MY RIGHTS, AND NOT HONOR MY IDENTITY THEFT CLAIM.
Consumer complaint received 2015-05-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

On XXXX/XXXX/2015, I scheduled a XXXX time draft payment of {$470.00} to be deducted from my XXXX Bank checking account. 

On XXXX/XXXX/2015, a double payment of {$940.00} was debited from my checking account causing my account to go into a negative balance. I immediately called PennyMac Mortgage Company. XXXX XXXX, faxed a request to XXXX for {$470.00} to be refunded to my checking account. Also, investigation # XXXX opened. ( To date, I have not heard any status on this investigation ). 

On XXXX/XXXX/2015, Called again, spoke with XXXX XXXX at extension XXXX. Faxed the same request to XXXX to his attention. 

XXXX/XXXX/2015, XXXX XXXX extension XXXX, she told me she would start the refund. She would call at XXXX ( EST ) for a conference all to my bank to vfy the debit would be honored, that no dispute was in process. 

XXXX/XXXX/2015, I called XXXX at XXXX after receiving no phone call. She verified needed information with bank. 

XXXX/XXXX/2015, Left voicemail with XXXX, no response. 

Fees I am incurring so far .... 
XXXX/XXXX/2015 Debit Memo {$6.00} ( {$610.00} ) Memo : SERV CHG XXXX/XXXX/2015 Service Charge {$6.00} ( {$600.00} ) Memo : SUSTAINED OD XXXX/XXXX/2015 Service Charge {$6.00} ( {$590.00} ) Memo : SUSTAINED OD XXXX/XXXX/2015 Fee eNotice {$70.00} ( {$590.00} ) Memo : OVERDRAFT ( XXXX AT {$35.00} EACH ) I explained to XXXX XXXX who seemed to sympatize with me that this issue is turning my world UPSIDE DOWN!!! I live paycheck to paycheck like many Americans in today 's society. My account is overdrawn. I have no money to live on, for gas, groceries, etc. I had to borrow money from family to pay my bills with MONEY ORDERS. I am incurring fees that I can not afford. THIS IS EXTREMLY UPSETTING AND THE COMPANY SEEMS TO MAKE NO EFFORT TO RESOLVE THIS OTHER THAN CALLING MY BANK TO ENSURE THEY GET THEIR FUNDS!!! HOW INSULTING!!! 


I want a refund of {$470.00} for the payment that was debited from my account in error plus {$90.00} for the fees that I have incurred from XXXX Bank for my account being overdrawn. On XXXX, I was assured that I would receive a refund, it has been 9 DAYS!!!!!!! Each day I am so upset & stressed out. It 's just not fair that this company is getting away with this!!!
Consumer complaint received 2015-05-27
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I paid off my collection not only for the original amount but they charged me additional amount to have it removed and it does not show paid or has it been deleted. I have called their company XXXX XXXX XXXX XXXX several times and they tell me they will report it again and it is never done. I need this off my credit report as I 'm working very hard to get me score back to good. As you can see I have no late payments.
Consumer complaint received 2015-05-27
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XXXX XXXX, 2015, I took out {$100.00} from a private ATM and accepted an additional {$10.00} service charge. I was shortly notified by Bank of America via text I had overdrawn my account and incurred multiple {$35.00} overdraft fees. After investigating my transactions I found that the ATM or private vendor had charged my checking account 7 extra times, accruing a total of {$880.00} with no cash distributed. I spoke with the owners of the establishment and they told me to take it up with my bank. I posted a complaint to Bank of America and they immediately credited my account with the {$880.00}. On XXXX XXXX, 2015 the Bank informed me that they had found no evidence of fraud or issues and debited my account the {$880.00} and also not reimbursing the overdraft fee. After contacting the private establishment of the ATM again, stating I never requested that amount nor received the cash from the digitally claimed transactions. They informed me it was not their problem.
Consumer complaint received 2015-09-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NY)

I was contacted by IC Systems on the behalf of a debt I owed to XXXX XXXX. I negotiated a " pay for delete '' agreement and have since paid the debt. It was paid XX/XX/XXXX. XXXX XXXX has since posted a negative hit to my credit report as of XXXX. I want this removed immediately as the debt has been satisfied.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

Please see attached!!!!

I have reached out to the bureaus and they have failed to comply with my request as a consumer that has rights by law.

Attached you will find : Letter from the University Letter to the bureaus DL ( Identity Verf. ) Utility Bill ( Identity Verf. ) Picture of Account in question I DO NOT NEED YOU TO START A DISPUTE OF MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAUS ) DID NOT RESPOND / SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED )
Consumer complaint received 2015-05-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

My Mortgage Contract states that I have the right to request Primary Mortgage Insurance ( PMI ) be eliminated once the principal balance is XXXX scheduled to reach 80 % of the original value of the property ( the lesser of the contract sales price or the appraised value of the property ). Ocwen Loan Servicing , LLC who is currently servicing my mortgage, has also provided written documentation ( see attached copy ) that once my principal balance reached 80 % l can eliminate the PMI. As of XXXX XXXX, 2015, my mortgage principal balance will hit the trigger of being below 80 % ( 79.9 % ) as the attached supporting documents detail. Ocwen Loan Servicing , LLC has XXXX denied the elimination of PMI and is now stating an arbitrary percentage of 75 % loan to value must now be met. This is in sharp contrast to the written Mortgage Contract and contrary to Ocwen 's own stated provisions. 
Property Value : Contract Purchase Price - {$430000.00} Appraisal from Licensed NJ Appraiser dated XXXX XXXX/XXXX/2015 - {$430000.00} 80 % of lesser of Purchase or Appraisal ( {$430000.00} x 80 % ) - {$340000.00} Principal Balance of Mortgage after XXXX XXXX, 2015 Mortgage Payment - {$340000.00} Loan to Value percentage after XXXX XXXX, 2015 - 79.91 % Since my principal mortgage balance is below 80 % of the property value according to Ocwen 's own requirements, there should be no question that PMI should be eliminated after XXXX XXXX, 2015. 
I have documented this and sent XXXX letters and E-mails to Ocwen and all have been outright denied, even after I complied fully with all requests from Ocwen, even obtaining a current Appraisal from a Licensed and certified appraiser at my own cost. Your assistance in this matter is greatly appreciated as Ocwen does not provide telephone numbers to reach anyone at their Headquarters facility to discuss directly any issues/concerns. 
Sincerely,
Consumer complaint received 2016-01-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (PA)

I constantly call this company to remove credit inquiry 's that I did not make for a credit cards and a car loan. I did not apply for a XXXX XXXX XXXX card or a XXXX XXXX credit card. I 've tried and tried to resolve this with there XXXX customer service department and to no avail nothing gets done!!!! I also have a inquiry from XXXX I did not authorize this inquiry.
Consumer complaint received 2015-05-27
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXXXXXX XXXXCapital One XXXXFor more than XXXX years I have tried to verify the above mentioned accounts via certified letters and phone correspondence. 

According to my records, each account has been reported separately, and simultaneously, to the credit bureaus under both creditor names : Capital One and XXXX XXXX. 


My efforts to verify these accounts are complicated by the following facts : Capital One and XXXX appear to report these alleged debts using different account numbers. 
Alleged amounts owed on these accounts, have been in close proximation, but never exact. 
XXXX does not respond to my requests. It appears Capital One responds to inquiries for both companies. 
Capital One uses the last XXXX digits of the alleged account number in correspondence, yet credit reports reflect what appear to be beginning numbers. 
Despite the fact that I sent a copy of my SS card and driver 's license with my inquires to Capital One, their company responded with asking me to verify my own information. 
Despite the fact I stated I had no knowledge or records of the accounts in my request for verification letters, and that I suspected fraud, Capital One responded asking me to provide them with the account numbers. 
XXXX ( Case # XXXX ), ( XXXX - Case # XXXX ) and XXXX ( File # XXXX ) claim to have verified these accounts - but have never provided me with proof. 
I have never been sent collection letters from XXXX or Capital One. 

I highly suspect the above mentioned accounts, are accounts Capital One previously removed from my credit reports, and are now reporting the same again. 

It does appear the XXXX XXXX XXXX accounts did not belong to me. I filed a Chapter XXXX 100 % creditor payout in XXXX of 2012. Through this process, a hearing was held on multiple creditor claims. This hearing assisted with confirming numerous accounts were fraudulent or unverifiable. Without ordering an expensive transcript of the hearing, I can not share if these accounts were fraudulent or unverifiable. 

It should be noted, Capital One nor XXXX attempted to place a claim during the bankruptcy process. Please find attached a claim summary prepared by the Chapter XXXX trustee. 

Only XXXX response letter, from Capital One, claims XXXX XXXX XXXX was sold to another company, XXXX XXXX XXXX . 

Yet it was XXXX XXXX who placed, and was denied a claim, during the bankruptcy process for this account. 

Regardless, all XXXX accounts remain on my credit report, and I remain confident they do not belong to me. 

Please seek proper documentation on each account under FCRA and FDCP rules for collection and reporting. 

Please seek immediate removal of each account if the creditors can not provide said verification.
Consumer complaint received 2015-05-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

On XXXX/XXXX/2013 XXXX mortgage had XXXX of my mortgages : XXXX for my principal residence and XXXX for an income property. XXXX took XXXX times the mortgage on my principal property and none for my income property then they said I did it. They finally verbally acknowledged they made a mistake but refused to get the money back to the income property mortgage because it would be too complicated. As a result my credit scored went from XXXX to XXXX as the new servicing company was given the income property mortgage on XXXX/XXXX/2013 XXXX portfolio Servicing Inc. No XXXX wants to take responsibility and they all refused to work together. SPS sends forclosure notices consistently. I call XXXX/months and get the run around. What can I do? 
I want XXXX to give the money back to pay the mortgage missing payment and get all the penalties off and write to the credit bureaus with SPS and remove the mistakes on my credit reports. Since then I can not apply for a loan or a credit card or increase my business by getting loans.
Consumer complaint received 2016-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi. Sadly- my house was illegally forclosed on in 2010. We were made to file bankruptcy. 
I should not have to suffer because XXXX XXXX stole my house. Can you please help me take XXXX XXXX off my credit report and my bankruptcy? 
.... The very least that could have been done when they were n't made to follow through with the indepent forclosure review.
Consumer complaint received 2015-05-27
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION (AL)

I voluntarily surrendered my vehicle to XXXX XXXX aka Toyota Finance on or before XXXX 2014. Toyota Finance since then, have been purposely re aging or updating my account monthly destroying my credit score. I disputed this with the credit bureaus on several occasions and Toyota still continues to be the professionals that they are and hold a grudge against me in retaliation for returning a vehicle that I could n't afford. I use different credit monitoring sites and have been watching my scoring activity over the last XXXX months. Well I saw that Toyota Finance reported the account as ok some months and then come back and report my account as being derogatory. They even updated my account as being a joint account. Unless there are XXXX of me, no one else signed any documents besides the scamming sales rep that sold me this vehicle. They ( Toyota finance ) are knowingly doing this to me and probably many other consumers to purposely destroy their customers who are and were going through a bad point of their life. I also learned that there was a deficiency letter that I was suppose to receive after reading forums that I did n't receive I actually had to call in and get this information on my own from Toyota Finance.
Consumer complaint received 2015-05-27
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (WI)

This is regarding our XXXX mortgage ( home equity? ) ; primary mortgage is in good standing. Spouse retired because of XXXX. Contacted lender before default occurred to seek remedies. They refused to assist. Default occurred. Additional financial assistance obtained through SSA. Lender refuses to accept any payment until entire default amount is paid in full. Foreclosure imminent.
Consumer complaint received 2015-05-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Torres Credit Services, Inc. (IL)

Creditor, Torres Credit, stated they would not report to the credit bureau. Debt was paid XXXX XXXX, account reported to Credit Bureau on XXXX XXXX. Affected my chances of homeownership. Was told repeatedly it was done in error and they would remove the trade from my credit bureau report no later than XXXX XXXX. This account still remains on my credit bureau report today, XXXX XXXX, 2015.