davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

This bureau is plainly in violation of FCRA law Code XXXXProcedures in cases of disputed accuracy. I will challenge their disappointing investigative abilities in this complain and set forth any legal action necessary from this point forward. 

XXXX. # XXXX ... is outdated and past due in terms of deletion. By law items can not surpass the 7 years mark in regards to being on my credit report an this account in plainly in violation of that LAW The problem I am having with this company and their false and illegal repotting is that they have DELETED the ENTIRE payment history after each of my disputes in order to cover their tracks regarding anything and everything i am challenging. I have gone from having a payment history showing from XXXX to having no history of payments and therefore no ability to verify or deny anything that is being argued regarding this incomplete and invalid account. This account, XXXX, is clearly non-verifiable and over due to be deleted. 

Another concern I have is that this account, from XXXX, has been re-aged and made newer to reflect a XXXX date, even though all of my payment history has mysteriously been wiped out. 

This is unacceptable behavior and so very unlawful. Why delete information that I am disputing an then tell me it was verified? I called the number XXXX XXXX XXXX and got no response nor a dial tone. Therefore, I am curious WHO you have contacted to verify this terrible account through and HOW! I have never held an education loan with XXXX Bank, I have FEDERAL LOAN with the government and that is it! My account was transferred when my school violated FDCPA laws against its students and the government took over every students loan. I have never in the last 7 years been involved with any other loan. This is well passed that date an though it has been altered and change NUMEROUS times, I will challenge it until it is removed! It is clearly outdated and unverifiable. I am being lied to by your company and I DO NOT APPRECIATE THIS! No proof, NO descriptions and procedures, as the law CLEARLy requires under FCRA section ( XXXX ) : A Consumer Reporting Agency Shall Provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by no later than 15 days after receiving a request from the consumer for that description. 

THIS ITEM HAS NEVER BEEN PROVIDED TO ME! I have requested proof and validity on this account on numerous occasions. You have not fulfilled your duties to me as a consumer and therefore have no right to keep reporting this account to my file.
Consumer complaint received 2015-12-28
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MONEY SOURCE, INC., THE (OK)

The Money Source Mortgage Company made errors in posting our payments incorrectly. This has caused a chain reaction of late payment postings to our account. Our payments, which have included additional monies toward principal and escrow shortages, have been made approximately 2 weeks prior to the due date. They have turned our account over to the credit bureau as late/slow pay even when they assured us they would not. One of the Representatives that we spoke to did indeed find that this was entirely their fault. However, their reporting to the Credit Bureau has caused our credit rating to drop XXXX points. Repeated phone calls to the mortgage company has only created more problems. We have documented proof of every payment made, phone call and supposed resolution to our account. We have not been able to talk to a Supervisor concerning any problem when we requested. This company has not been able to post our regular payments, additional principal payments or additional escrow shortage payments properly. 
We would very much like to have these problems resolved, our credit re-established and in good standing. We have never had a problem with any other mortgage company that we have dealt with in the past as we have with The Money Source!
Consumer complaint received 2015-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

The XXXX XXXX XXXX ( Collection Agency ) listed on my Transunion Credit Report is not a valid ( legal ) debt ( which I have been fighting for XXXX years ). I have repeatedly contacted the Collection Agency for resolution-and received none. ( BTW-I filed a complaint with your organization against them XX/XX/XXXX. and I have yet to receive a response # XXXX ). In XXXX of 2014 I filed a complaint with your organization to have this Collection Account removed from XXXX # XXXX-which it was. I have tried to dispute this directly with Transunion ( supplied them with all the back-up documentation to prove this is not a valid ( legal ) debt and all they appeared to have done is simply contact the Collection Agency to " validate '' the debt ). That is not an investigation and certainly does not fall within the definition of " valid '' debt-because it is not ( valid or legal ). I am providing you copies of all correspondence with the original creditor and collection agency with the WA State Landlord/ Tenant RCW 59.18.310 code/ law clearly outlining the law, copy of the ledger and lease clearly showing I met my financial obligations, and a copy of the determination of the complaint I filed with your organization against XXXX and it 's outcome ( that it was deleted ). I have also included the letter from Transunion with their " Investigation Results ''.
Consumer complaint received 2016-03-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MO)

I had a secured credit card with XXXX XXXX for several years and then I was issued an unsecured XXXX XXXX XXXX card. Since I had the unsecured card, I did n't feel it was necessary to have the secured account any longer and I requested that XXXX XXXX close the account. The account was always paid on time and I was never late. As soon as I requested the account to be closed, my credit score dropped tremendously. I am in the process of trying to qualify for a home loan and I think that is totally unfair for the credit bureaus to have that much control and could virtually cause an individual not to be able to purchase a home because they paid off and closed an account. Does n't make sense at all.
Consumer complaint received 2015-07-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

On XXXX XXXX, 2015, I filed the paperwork to start a chapter XXXX bankruptcy and advised Select Portfolio Servicing and XXXX XXXX XXXX ( trustee handling the foreclosure action ). Without getting a relief of stay, the foreclosure sale was rescheduled to XXXX/XXXX/2015, which is a violation of the stay. Both SPS and XXXX sent letters advising the sale was rescheduled. The sale should have been cancelled, since all foreclosure activities are supposed to cease, and the trustee 's sale ca n't be reset until after the bankruptcy.
Consumer complaint received 2015-12-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I noticed when checking my credit report that there was a bankruptcy on there and I called transunion to dispute it and they told me that I would have to call the consumer which is the XXXX XXXX Court when in calling them I gave them the necessary information and they informed me that they had no record of me having a bankruptcy in there court system. So I then called back to transunion to dispute it once again and they sent me a letter stating that it is indeed me that has a bankruptcy. I have never lived in the state of California. Now I called the courts back and they had me get in contact with the US trustees, they did some digging and found out that it is a male with my madden last name and our last XXXX digits are the same but the rest of our SS numbers are different. And for the life of me I do n't understand how this could happen and if I found out this information why could n't do the same. And if it is on Transunions why does n't it appear on the others if it were true. I would like this to be taken care of. They were rude when I called them and I really did not appreciate the way they talked to me
Consumer complaint received 2016-03-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank risk department has been placing a hold on my payroll check deposits. The last XXXX. The last XXXX I converted to cash, got a cashiers check, and depositedthat. Again after a few days, a hold was placed on the funds. The first time, I went to the issuing bank, while I had Bank of America on the phone. The issuing bank, XXXX, had a record of BOA recieving the funds the day after I made the deposit. Yet XXXX days later the risk department software froze my ability to use my money. I feel strongly that there is a problem, if BOA does this to XXXX people monthly, that check kiting software they have developed improves their bottom line at the expense of the public. It 's a sofisticated way to kite checks, a practice that should have been regulated out. They take my {$1100.00}, and even XXXX other people 's funds for a week and then have the resources to loan out for mortgages or investments. While my XXXX year old wonders why there is no milk, and Daddy works every day. The BOA Vice President suggested I " climb the phone ladder '' but that stopped at the second rung and no money for a week. And this last check was a printed cashiers check, banking gold as I understand it.
Consumer complaint received 2016-01-07
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (CT)

Basically, my father opened a credit card account with Chase Card Services, using my name and Social Security Number without my permission. After adding himself as an authorized user ( again, without my permission ) He proceeded to make charges on the card, max out the credit limit, and stop paying for it, which led to the account being reported as " charge-off/collection '' on my credit report. I had no knowledge of the account previously and had no idea he was doing such a thing. When I contacted Chase Card Services and explained the situation, even though I included evidence that clearly shows that he was the one maintaining the account, they refused to help unless I pursued criminal charges against my father. I requested that they merely transfer the account out of my name and put it in his name and on his credit report, and pursue collection efforts with him, but they have so far refused and will not delete the item off of my credit report.
Consumer complaint received 2015-07-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

XX/XX/XXXX I suffered some financial hard ships. Due to these hardships I was having trouble making my mortgage payments, my loan was turned over by GMAC to Ocwen Financial with out my knowledge. While I was making payments Ocwen was returning the payments but to the wrong address. I did not become aware of this until Ocwen notified me that my home was going into foreclosure. This was XX/XX/XXXX. I have had nothing but trouble with Ocwen since. This includes everything from setting up appointments with Relationship Managers who do not keep appointments, call at the wrong time or even call me at the wrong phone number. Numerous times Ocwen has changed my Relationship Manager without even telling me so it can take days or even weeks to find out who I am even suppose to speak with. I submitted an application for a loan modification back XX/XX/XXXX. I did not receive anything from Ocwen up dating me on my application. When again I finally was able to get a hold of who was my new Relationship Manager, I was told he could not speak to me telling me my account had been referred to an attorney. He was not able to give me a name or a phone number of the attorney. I was finally able to track down the attorney XX/XX/XXXX after many phone calls and internet research. I left messages for her for almost 2 weeks before I was able to reach her and when I did she told me that a repay had been set up and the first payment was due in 2 days. My mother who is on this loan called the attorney as I work and am unable to remain on hold for long periods my mother was told by the attorney, that she was not able not speak to her. This repay was not feasible and they told me to resubmit a new modification application, this was done in XXXX XXXX. I have had XXXX Relationship Managers since then. I can not seem to get the right information, the right person or the right phone number. Yesterday after finding out that I again have a new Relationship Manager I asked to be transferred to a manager and was transferred to a manager who actually told me he did not know his own phone number so I could call him back. He also told me he did not know his supervisors phone number. I was told yesterday that they needed more information on my new application. It was faxed over twice to make sure they received it this morning. I called to confirm they received it and have a fax confirmation. It has been almost two months and again I had not received anything from Ocwen. I had an appointment to discuss my application with my than Relationship Manager and she had someone else call to tell me she was busy and they called and left a message at the wrong phone number. I can not believe anybody can stay in business like this. I do not believe Ocwen has any desire to help me keep my home which by the way I have owned for 30 years. When this started with Ocwen my home was to be paid off XX/XX/XXXX. With all the charges and non-since Ocwen is tacking on I feel like it will be lost or never paid off.
Consumer complaint received 2015-07-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

Ocwen Loan Servicing has been threatening to foreclose for over two years now, even though I have proof of EVERY payment made since XX/XX/XXXX, before they took it over. I have read horror story after horror story, never-ending, about people in the same boat. They are attempting to escrow for insurance that I pay myself at XXXX time the rate, in order to get kickbacks from their affiliates, one of them being " XXXX '' ./XXXX I called and asked for a " pay-off '' amount to make the harassment cease and desist. TWICE I mailed a check for the amount they gave me. They have so many " departments '' and so much outsourcing to XXXX that one hand has no idea what the other is doing. If my paralyzed son did not live in this residence which I bought and equipped for him, I would GLADLY tell the XXXX to TAKE IT. However, he is XXXX for over 30 years now and has nowhere else to go. I have read that one recourse is to let them illegally foreclose and then lawyers would jump all over it, but I do hate to see my son XXXX in the street through no fault of my own. I just yesterday read an article about a " granny '' who has never missed a payment since XX/XX/XXXX until Ocwen took over and sent her a bill saying she owes {$30000.00} ( yes that 's XXXX XXXX ) in " fees ''. When she and her son contested it, thought it was a computer glitch, the figure magically went down to XXXX XXXX, with no explanation. They are still to this day enduring the XXXX I am going through. There are SO MANY STORIES of this nature that I find it impossible to believe that these people are humans, much less allowed to operate as a " legitimate '' business. I thought that this was the USA? What happened?
Consumer complaint received 2015-12-29
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Alpha Recovery Corp (NY)

This Company Alpha Recovery is trying to collect a debt from a credit card, i agree to pay and start making payments in 4 weeks because i am in financial problems, person on the phone call in every day 6 times to my cell phone and 3 times to my work phone, even after i ask to please do not call to my workplace. Person in the phone introduce himself as a XXXX XXXX, called today and start yelling me to get the money today one way or another
Consumer complaint received 2015-07-17
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

In the past 10 years I have requested wire transfers from XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX and the amount received by XXXX XXXX ( XXXX ) has always been the amount of the Transfer requested. I researched Bank of America 's Int'l Wire Transfer fees and determined the fee was {$45.00}. When I initiated the wire with BoA, I was advised that there " may be '' an Other Fee of {$25.00}, in addition to the {$45.00} fee. Based on my previous experience I felt this fee would not be charged, but {$25.00} was deducted from the amount transferred. I tried discussing this fee with BoA, but they could not tell me who received this fee or who actually requested it to be charged. In effect the fee is {$70.00} rather than {$45.00} as they advise on their web site.
Consumer complaint received 2024-09-04
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. (IN)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-11-12
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: JPMORGAN CHASE & CO. (FL)

I was left a message by a " courier company '' about documents that supposedly had been left at an office and I need to call about. or they were going to call for legal action. If I did n't contact them by end of the day, they would come to my work or home. When I called, I got a mediation company, who then said they were transferring me to some legal firm. The person mumbled a name and when I asked him again, he would n't repeat it. I was then sent to some kind of a legal specialist..that was the XXXX person I talked to. They said it was too late to do anything, they were filing papers to take me to court, that I was more valuable that way. They said it was a debt from a credit card not paid on, and it was too old to dispute it, so I had to pay today, and agree to give them money. I could n't even get a clear idea of what they wanted from me, then they said I needed to authorize an amount to give them and give them a credit card number or check number. Still unclear of what the debt was or proof that it was me, said they were recording me and I had to swear under oath to give them this money. Then another person came on the line, saying I had to agree to the money right now, then the whole conversation went nasty. Started calling me names, told me I was a piece of XXXX, said they were coming to my home, belittled me for the way I lived my life, started reading off information about my children and how pathetic I was to have debt and how I was no good. He started screaming at me when I would n't give him any money information, kept saying how they were going to take away anything I had and freeze all my accounts, then said if I did n't agree to pay him now, I would end up in court and said I was more valuable that way..he would n't stop calling me names. He kept coming up with different numbers to pay him, and kept taunting me to make an offer that it was recorded and that I was swearing to pay that amount. I was given no ID, no full name, I do n't even know this was for me. I finally got him to admit someone had bought this debt and he was trying to get money for it, and said I was garbage for not being responsible.
Consumer complaint received 2016-01-12
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (CA)

this company has been calling me 3 times a day. I am not well and have not answered the phone. They then have been calling my mother, whom I have asked them twice not to contact again since she is old and ailing. They continue to contact her.
Consumer complaint received 2024-10-28
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (SC)

I opened a Rooms-To-Go Synchrony card for {$1800.00} and signed a contract for 60 months interest free. The interest free was to last from XXXX of XXXX to XXXX of XXXX which Synchrony confirmed was correct today on the phone. Twice ( at least a year a part ) I have checked my statement and realized I was getting charged interest each month. The 1st time sometime in early XXXX I called and they said it was a system error and they would correct the account. I checked my account today XX/XX/XXXX and they have begun charging interest again as far back as XXXX of XXXX ( which is as far as my online statements will show ). It is unfair to have a 0 % interest contract for 60 months and be charged interest at 34.99 % when I have never missed a payment and was never notified of any changes to the original contract. Also Synchrony said it would take 30-60 days to reflect the changes to my statement/account which I think is incredibly too long of a waiting period to correct an issue that was internal and not my fault.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXXXXXX XXXX 
LAST NAME : XXXX. 
DOB : XX/XX/year> NSS : XXXX SECURITY FREEZE