davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-31
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. (NC)

I have disputed information with Transunion & XXXX reporting agencies The only address that needs to be listed is XXXX XXXX XXXX XXXX, XXXX, NC XXXX Credit Bureau 's are sending out information and third party information in my name for addresses, I don't reside. 

XXXX XXXX XXXX  is disputed, it's been 7-years, demand removal. 

XXXX XXXX listed since XX/XX/2011 7-years and 1-month demand removal XXXX XXXX incorrect listed 7-years, demand removal XXXX XXXX XXXX was closed in good standing, incorrect info demand removal. 

XXXX XXXX incorrect info, been on report 7-years, demand removal XXXX incorrect listed for 7-years, demand removal All XXXX XXXX XXXX accounts have been listed 7-years demand removal Credit score should be at least 700.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (IL)

These perpetrators created fraudulent identity documents such as a fake ID and other fake documents to secure a loan in my name and make payments on the loan accounts. My identity has been stolen and compromised ; this is the 6th notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in the opening account, and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter. 

Under the FCRA, 15 U.S. Code 1681b, consumer reporting agencies may furnish a consumer report only under specific circumstances, such as with the consumers written consent or in connection with a credit transaction initiated by the consumer. I did not provide my consent for the release or sharing of my personal information related to these accounts, nor did I initiate any credit transactions with the entities listed. 

Furthermore, 15 U.S. Code 1681c requires that consumer reporting agencies ensure the accuracy and privacy of consumer information. The unauthorized disclosure of my information not only violates this statute but also exposes me to potential identity theft and other forms of financial harm. 

I request that you take the following actions : 1. **Conduct an immediate investigation** : As required by 15 U.S. Code 1681i, I request that you investigate these unauthorized entries on my credit report.

2. **Remove the disputed entries** : If the investigation finds these entries were indeed unauthorized, they must be promptly removed from my credit report.

3. **Provide written confirmation** : Send me a written confirmation that the unauthorized entries have been removed from my credit report. 

Please consider this letter as a formal complaint and take all necessary actions to resolve this matter within the 30-day timeframe stipulated by the FCRA. Failure to do so may result in further legal action to protect my rights. 

Thank you for your prompt attention to this serious matter.
Consumer complaint received 2018-05-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

It has been a nightmare dealing with Ocwen Loan Servicing for over 8 years for a possible loan modification. Ocwen Loan Servicing has denied my request for a loan modification incorrectly over 35 times by providing the deceptive response indicating that there is a problem with the title to the property that has nothing to do with the owner to the property but Ocwen Loan Servicing lien against the property that is considered to be invalid and void. Moreover ; Ocwen collected over {$80000.00} as a monthly Trial Period with the promise of finalizing a predominate loan modification and this is while the property was in an active foreclosure. Which is considered to be unlawful. 
There have been several correspondences from the Ocwen Loan Servicing attorney confirming the issue with the invalid lien. On  XX/XX/XXXX, XXXX XXXX XXXX the attorney representing Ocwen Loan Servicing in an email correspondence to my attorney indicated : The modification offered to XXXX XXXX is contingent on clear title to the property. Upon investigating the title report, we discovered that there is a {$290000.00} outstanding lien on this property from XX/XX/XXXX that was never released. I have attached a copy of the deed of trust evidencing this lien. The implementation of the modification is being held up due to this cloud on title, but we are working with the title company to try and resolve this matter. To be clear, the modification has not been declined but is instead pending clear title. While we continue to work on the title matter, would you please check with your client in case they have any documentation showing that this lien was paid off? Not sure if this attorney has any understanding that, as a homeowner, I would not have copies of the documents related to prior owners loan and release of lien. 
Currently my home in a foreclosure with a foreclosure sale date scheduled for XX/XX/XXXX. Regretfully ; Ocwen Loan Servicing the Debt Collector, Servicer is ignoring the California State Law! Ocwen Loan Servicing is obligated to postpone the foreclosure sale date that is scheduled for XX/XX/XXXX. Not sure how you can pursue the foreclosure sale when the debt collector Ocwen Loan Servicing does not have a valid lien against the subject property. We reserve the right to take legal action against Ocwen Loan Servicing for this type of illegal business practice, VIOLATION OF THE HOMEOWNER BILL OF RIGHTS and UNFAIR BUSINESS PRACTICES CAL. BUS. & PROF. CODE 17200
Consumer complaint received 2018-06-29
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: First Data Corporation (AR)

Money was taken out of my account. I have no idea what this website is but it is called XXXX and Ive never heard or used this website. They have took out multiple amounts of money such as {$3.00}, {$7.00}, {$1.00}, and even {$17.00}. It has now put my account into overdraft and everytime I call customer service and type in my card information it says it can not pull up my account. This all happened XX/XX/2018 this morning. I had over {$100.00} in my account and its all gone now. This website is in a different language and somewhere in XXXX. Please help me get my money back.
Consumer complaint received 2018-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I was charge an erroneous {$500.00} with XXXX on my capital one card and was advised by XXXX to dispute the transaction because XXXX was unable to credit the amount back to my card. During the dispute process I reported XXXX to the FCC about what happened. A guy from XXXX called me about the fcc report and was able to credit my {$500.00} dollars back to my account. Capital one credited my card 2 times and took money back from XXXX leaving me with a {$500.00} balance with XXXX again. Since I got a credit from both sides i went ahead and paid off the new {$500.00} balance since I was not supposed to have gotten two credits, and thought all was well. I get a charge on my capital one on XX/XX/XXXX for a rebill for the original dispute back from XX/XX/XXXX sending back to the money to XXXX, AGAIN. This is the same {$500.00} I had already paid XXXX directly to XXXX back on XX/XX/XXXX. So i call and inquire whats its for and they advised me that it was the original XXXX charge. Not only are they charging me that, but also charging me another {$500.00} to cover a second credit that they mistakenly gave me. So now, instead of owing {$500.00} I owe {$1000.00}! ( I do owe {$500.00} back to capital one for the double credit but not the {$500.00} extra for the rebill back to XXXX. ) I spent 9 hours on XX/XX/XXXX trying to get this resolved with capital one and XXXX. Both companies are pointing fingers at each other and now I'm having to deal with another {$500.00} charge that I've already paid back directly to them.
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE / XXXX XXXX XXXX   XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Received a satisfaction of Judgement dated XX/XX/XXXX. They continued to garnish my pay until XX/XX/XXXX. When I contacted the company to be reimbursed I was told they needed time to update their files and s check was mailed to me on XX/XX/XXXX. As of today XX/XX/XXXX I  have yet to receive it. When I call I never get a straight answer. They even went so far as to tell me to check my bank accounts to see if it is there. They never had my bank info so that is another lie. The name of this agency is Portfolio Recovery Assoc XXXX XXXX XXXX XXXX XXXX Va XXXX
Consumer complaint received 2018-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

During XX/XX/2017, XXXX XXXX negotiated with XXXX - XXXX regarding my outstanding balance. An agreement was reached and I have been paying my payments monthly since XX/XX/2017 without any interruptions. However, XXXX is showing my account as a charge off even though they are currently taking and receiving payments for my account. This is causing stress and time to continually go back and forth with XXXX that I hired XXXX XXXX XXXX to help. To this date, The XXXX XXXX have not been successful either. Please resolve.
Consumer complaint received 2018-06-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (TX)

My daughter has made 2 payments to this company after we settled on an amount.The first payment was for {$150.00} and the second amount was for {$1000.00} in XX/XX/2018. She paid the {$1000.00} so they would stop calling me and upsetting me. The account is under my name but it was for some tires that I took out for my daughter but she fell behind on the payments when she lost her job. I asked repeatedly for them to stop calling me as I am in poor health and they would upset me every time they would call saying that I was going to get sued if I did not pay them. I gave them my daughters phone number so they could talk to her and that is when she gave the payments. I recently refinanced my home but not to get money from it, I did not take out a single penny. I refinanced to lower my mortgage payment and to lower my interest. Somehow they found out about it and thought I had money so they called pretending to be XXXX  XXXX XXXX. I gave them my social security number thinking it was XXXX  XXXX XXXX and I got scared when they told me I owned money and I needed to pay it. I knew it wasn't the bank when the man calling started getting mad and using foul language with me. They pretended to be XXXX XXXX XXXX, and I got really scared because I thought they were going to reverse or take away my re-finance.
Consumer complaint received 2018-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Tuesday XX/XX/XXXX, Virginia XXXX XXXX XXXX issued a hold on both my Checking and Savings accounts due to a misunderstanding in state taxes for the year 2014. On Wednesday morning, XX/XX/XXXX, I received a phone call from Virginia XXXX XXXX XXXX indicating that they had reviewed my 2014 returns ( I filed in XXXX that year ), and that they were sending the release request to Capital One. First release request was sent at XXXX XXXX  Wednesday morning, second at XXXX XXXX, and a third at XXXX XXXX Yesterday, XX/XX/XXXX, I had VA XXXX XXXX send a XXXX release notice to my local Capital One branch where I had a financial XXXX personally hold and view the release notice and fax and email it to the division responsible for releasing the hold. Since Wednesday morning, Capital One has not released the hold on my accounts. Any attempt to call Capital One support, email, or speak to a branch representative ends up in the same dead end, " We can not contact our legal department. '' Both my accounts are still frozen, and I have been forced to rely on my credit cards for payments. No one can give me a status on my accounts, I can't even tell if the XXXX XXXX has received the information to release the hold.
Consumer complaint received 2018-05-29
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FORD MOTOR CREDIT CO. (NJ)

I called Ford Credit onXX/XX/XXXX to advise them that the car we had with them was no longer in our possession. I told them that we had used it for a trade in for a XXXX and that XXXX had signed a legal paper to take over the remainder of our debt. Even though I called Ford Credit to apprise them of the situation they still called my home to collect and inquire about the XXXX Focus. They called me on Saturday XXXX just 3 days after I spoke to them and then again on XX/XX/XXXX. I have repeatedly asked them to stop calling me and yet they tell me they can call all they want as much as they want until they get the check from XXXX. They told me they normally call once a day so they are being nice by only calling every 3 days. I told them that is harassment especially since I don't even have the car and I apprised them of all the details with regards to the deal. They told me it is not harassment and that their are no laws to protect me from repeat phone calls! I can not make XXXX pay them any faster and yet they keep calling me telling me to go to XXXX and pressure them..These tactics are disgusting! I should not be harassed for a car I no longer have possession of! Ford is disgusting and not the company it once was. They sold me a car that they knew was flawed a XXXX Ford Focus. The main computer had to be repaired 3 times in 4 years and the dual clutch as well. They have since recalled these Focuses and Fiesta 's associated with these issues but not without screwing a bunch of people in the process! I also had to have a 5 year battery replaced in year 4 and a lifetime motor part replaced in year 3. It is disgusting what big money companies can get away with .On top of selling a money pit of a car, they harass you!
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I paid XXXX XXXX  {$2000.00} to bring an account current, yet at the same time ( 48 hrs ) the account was reported as charged off. I was told by customer service that the status would be rolled back ( I have this conversation recorded ). Yet every call I make to them results in my being transferred to a call center overseas and people who claim to not know anything about it. I would think there would be notes on the account from customer service. I even offered to pay the balance in full immediately, even though the $ XXXX is more than the amount needed to bring it current. The account was late in the first place due to divorce and the ex emptying accounts. XXXX was aware of this, and I was told that the department needed was not open on weekends. They did not contact me via mail. They have my email and did not contact me there either, or via phone. I was told they had an old phone number yet I had updated it to the one I've had the last 7 or so years. I had an excellent history with them before this. Their reps in other countries contradict what they say and I have recorded countless calls with them where I get different information depending on who I speak to. This is misleading, fraudulent, and they should not be allowed to treat consumers this way. Especially a consumer who is not asking for a settlement, but who wishes to pay the full amount due. Their incorrect reporting will now result in my children and me having a difficult time securing a residence, and also impact my ability to get a job.
Consumer complaint received 2018-06-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK (MI)

Tcf app not showing the same info as what is being charged in OD fees. Pending transactions will not show up but being charged for them. Tcf has refused to reverse these OD fees upon request. TCF also is charging double fees on returned items one nsf fee and one returned item fee causing a XXXX dollar charge!!! I have been charged hundreds of dollars in OD fees since XX/XX/XXXX. I would like a reversal of these fees. Pending debit card transactions are already deducted at time of purchase from your available balance. I should not be charged up to 5 OD fees a day for one OD.
Consumer complaint received 2018-05-31
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ZINC Financial, Inc., (CA)

Im being harassed. Im never late on my loan. Never been 1 month late yet I seem to get threatened every month that they are going to repo my car today. It shows on my credit report Ive never been late. They call me every day almost. Plus they harass my coworker on her personal line since I used her as a reference and call my mother and tell her my loan information. She has a XXXX  problem.
Consumer complaint received 2018-06-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TAYLOR MORRISON HOME FUNDING, INC. (NC)

On XX/XX/XXXX I entered into a mortgage agreement with your company for the residence in XXXX XXXX, NC. In this mortgage agreement, I had paid for a newly built home at this address. During the walk through, my husband and I expressed concern to XXXX XXXX regarding the viability of the sod and if the drainage was satisfactory for the back yard. We were told by XXXX XXXX that the sod was dormant and would come up in the spring. He also stated that if we had drainage issues after the homes on our side of the street were finished, that they would likely need to re-grade our yard for proper drainage. 
Unfortunately, after proper and extensive lawn care, the sod has not rooted through no fault of our own and the front yard is completely dead. This was initially brought to XXXX XXXX attention in a warranty request at the end of XXXX. I did not receive communication from XXXX XXXX, so sent another request on XX/XX/XXXX ticket number XXXX regarding the yard issues. XXXX XXXX came to my residence to inspect the yard. I took him to the back yard where the poor drainage could be seen. I explained what XXXX XXXX had told us during our walk through and he told us that we were on a swell so that wouldnt change and there wasnt anything they could do. When I showed him our front yard, he expressed agreement that it was concerning and said that he would get in touch with upper management as landscaping wasnt covered under warranty. I expressed concern that it seemed as though some of the sod that was laid down prior to us closing was actually dead and not dormant. 
After over 5 weeks of communication with XXXX XXXX and his excuses as to the poor quality of my yard, XXXX XXXX informed me that there was nothing that XXXX XXXX could do. I also requested to see a certification that the sod that was laid down was in fact dormant and not dead, but I was told that wouldnt be possible. It is evident that XXXX XXXX does not stand behind the quality of their work. 
I would appreciate it if you could organize to replace the dead sod in the yard as well as correct the drainage in the back yard so that the grass can grow in the areas with excess moisture. I have moss, mushrooms and an abundance of insects in my yard due to the excessive moisture buildup and improper drainage. There are other builders in the area that stand behind their product and have replaced friends poor quality yards with no contest.
Consumer complaint received 2018-05-31
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NC)

Contacted Wells Fargo Home Mortgage Co. at XXXX on XX/XX/XXXX at XXXX XXXX  and spoke to XXXX about the Net Settlement Fund in the Wells Fargo Inspection Fee Settlement letter and check that I received in XX/XX/XXXX. The letter indicated that " Your award was calculated in accordance with the Court-approved Plan of Allocation .... ''. The amount of the check was {$31.00}, Check # XXXX, check date is XX/XX/XXXX and the claim number is XXXX. My question to XXXX, after giving her my loan number - XXXX, was how " specifically '' was the check amount determined. Her response, after a 3 minutes hold, " my records do not indicate that such a transaction transpired. For clarity, at XXXX XXXX XXXX transferred me to her supervisor, XXXX, who answered at XXXX XXXX. XXXX could not answer my question either, therefore, at XXXX XXXX he said he would transfer me to the escalation department. XXXX, in the escalation department answered at XXXX XXXX. Mind you, I had to repeat all of the pertinent info to each individual. XXXX was not privy to the transaction either, and indicated I would need to speak with XXXX XXXX XXXX. At this point I'm livid, and refused to speak with a fourth person after being on the phone for 54 minutes. My concerns stems from incurring over {$200.00} in Inspection fees between XX/XX/XXXX and XX/XX/XXXX, in addition to over {$2000.00} in other fees. I don't believe {$31.00} is sufficient reimbursement considering what was dispersed. Other individuals that I spoke with regarding these Inspection fees are XXXX XXXX at XXXX extension XXXX at XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX extension XXXX at XXXX XXXX on same date.
Consumer complaint received 2018-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I have an XXXX XXXX XXXX account. On my Equifax it shows the account balance as incorrect and the the months of payments are not showing up correctly. Please update this problem. 

Thanks
Consumer complaint received 2018-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX  XXXX XXXX Account # : XXXX I was never late 30, 60, 90 or 120 days late in the months of ( XX/XX/XXXX through XX/XX/XXXX ) and also ( XX/XX/XXXX through XX/XX/XXXX ). I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.