davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

I have XXXX accounts with XXXX different companies I have disputed 3 times with Equifax. They are refusing to remove them.. XXXX XXXX and XXXX researched and have removed items after one dispute. I have called Equifax and spoke with a manager about my concern that they are not researching my dispute. He advised he could not do anything. Please help me! 

Dispute # 's XXXX & XXXX {$260.00} ... The billing department at XXXX office has no record of this charge. Billing manager advised she called collections company and they have no record of me. 

{$240.00}, {$240.00} and {$50.00} were all paid on the same day. 

{$80.00} charge was paid in the office {$77.00} charge was paid XXXX 2015, XXXX, manager at XXXX XXXX has called manager of collections company to remove me from their file. This was paid and should have never been transfered to a collections company.
Consumer complaint received 2015-10-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MI)

I am the XXXX for the homeowner of a property at XXXX XXXX, XXXX, MI XXXX. Ocwen holds XXXX mortgages with and there is a XXXX mortgage withe the state of Michigan. I have submitted all required documents to Ocwen to gain an approval for the a short sale and Ocwen provided me an approval, however the approve left off the XXXX lean to the state of michigan. I submitted request XXXX lean required information and Ocwen keeps telling me that it is not acceptable. I ask them over and over what they want me to send and when I send it they continue to ask for the same document over and over that I keep submitting. I have been working on this file since XXXX 2015 and it has been a difficult task every step of the way with Ocwen.
Consumer complaint received 2016-03-19
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Security National Automotive Acceptance (GA)

I 've been having several issues with SNAAC which is the company I 'm financing my vehicle through. On XXXX XXXX my vehicle got ceased because I was behind on a payment due to a tornado ripping through XXXX Georgia so I had to pay for repairs on my vehicle. Before I knew my vehicle was getting repo 'd I did schedule XXXX payments off {$400.00} and my recurring payment of {$330.00}. Later on that evening they took my vehicle and I contacted SNAAC to see what all I 'd have to do in order to get it back. They were like, you 'll get an email. Did n't receive any thing until a couple of days later. Payments were made and my account was back in good standing but still had difficulties on their customer service support side. They were all rude and unprofessional. I 'm in the XXXX and the last thing I need is to be without a vehicle. On the XXXX of XXXX I received my vehicle back paying a total of {$430.00} in towing fees and storage I guess. Today, XXXX XXXX, I get an official letter from SNAAC which is a " NOTICE OF OUR PLAN TO SELL PROPERTY '' letter with my vehicle id number and information. There 's a box checked off which states " WE WILL SELL THE VEHICLE AT A PRIVATE SALE SOMETIME AFTER 10 DAYS FROM XXXX/XXXX/2016. ASALE COULD INCLUDE A LEASE OR LICENSE. '' Not understanding why this is happening to me.
Consumer complaint received 2016-02-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Duncan Solutions, lnc. (MD)

After checking my credit report I fount a collection was made on my account for the amount of {$100.00} and was opened on XXXX XXXX, XXXX. After trying to contact the collector to dispute the charges made on my account I found the number to be unavailable. I tried to write to the company on XXXX XXXX, XXXX at Professional Account MGM XXXX XXXX XXXX. XXXX, WI XXXX and received no response. I would like this company to validate the debt under my rights by the FDCPA.
Consumer complaint received 2016-06-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

This account does not belong to me and the address on my Equifax report is incorrect. Credit reporting agencies are required to provide correct information in order for me to validate this debt belongs to me. I have attempted to contact XXXX XXXX XXXX at the address provided and my letter was 'returned to sender '. Please see attached photo of returned letter. Also attached is a screenshot of my credit report with the incorrect address. 

These accounts should be removed from my credit file.
Consumer complaint received 2015-03-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NY)

On or about XXXX XXXX, 2015, Ocwen stated, " At this time, Ocwen has received all information needed from you. Ocwen has requested the attorney complete a title search to confirm the title is clear in order for us to proceed with the DIL review. You will be notified of the decision once the requested information is received from the attorney. '' Since then, I have corresponded with a relationship manager ( in addition to calls from other representatives with contradictory status information resulting in more confusion ). I signed tax documents, closing documents, release documents. I was advised that after this last document was signed at the attorney office representing Ocwen, that the only thing that remains was XXXX FINAL title search to make sure that it was clear. The last document was signed on or about XXXX XXXX, 2015 ( initially submitted XXXX/XXXX/15 but attorneys claimed that I was missing XXXX document which is why I went to their office to sign any document they needed ). This accepted the completed signed documents. I was told that another title search would take XXXX days, at which point if clear, that would close the deed-in-lieu application. Each time I speak with an Ocwen representative, they ask me for time. It has not been over XXXX days and last week Thursday, I was told that the title search has not been done and that I now need to submit XXXX months bank statement. If I did not submit, then the application which I spent months providing documents would be denied. This is an astounding turn of events. I continue to get the runaround, persistent delay tactics, and calls from representatives other than the assigned relationship managers who provide me with wrong information about the status of my application and requesting information that I already provided. Today, I received a call saying that I will be contacted by a NEW relationship manager. And that my previous XXXX provided me with erroneous information pertaining to the final status of my application. 

I feel that I provided ALL information requested and that I should not be required to provide additional information. I also asked the representative with home spoke with today to return copies of all documents that I submitted to date because I am concerned that my private information is not properly secure -- especially since they can not confirm what I had submitted.
Consumer complaint received 2016-04-07
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

I paid my home off on XXXX/XXXX/15 which is 8 months ago. I have sold my house and can not get a release of lien. I am supossed close on Monday XX/XX/XXXX. Can you help me?
Consumer complaint received 2016-01-18
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

Ocwen Loan Servicing , LLC commenced foreclosure on an owner-occupied property that is our primary residence. The foreclosure notice was originally filed with a foreclosure date of XXXX/XXXX/2016. He had a court hearing to get a temporary retraining order. The temporary retraining order was only good for 7 days. Our claim for a temporary injunction was denied by the judge on XXXX/XXXX/2016 and Ocwen Loan Servicing , LLC reposted our primary residence for sale on XXXX/XXXX/2016 for a foreclosure sale on XXXX/XXXX/2016. As outlined in the Ocwen National Servicing Settlement, " Before a loan is referred to non-judicial foreclosure, Servicer shall ensure that it has reviewed competent and reliable evidence to substantiate the borrower 's default and the right to foreclose, including the borrower 's loan status and loan information. '' Ocwen has failed to show that they have the right to foreclose.
Consumer complaint received 2016-09-08
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL (CA)

Banana Republic ( Synchrony Bank ) ran my credit four ( 4 ) times XX/XX/2015 for a department store card I opened. The dates the Transunion reports were run are : XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015, and XXXX/XXXX/2015. My credit is monitored by XXXX, and they facilitated a call between myself and Banana Republic. In the call, I specifically asked why my credit report was run four times for XXXX department store card. They said they do not know and would send a letter. The XXXX representative told me privately that it looked like XXXX accounts were open in my name, even though I had only requested XXXX account. I had also requested in 2015 that my Banana Republic card be cancelled, by calling a store representative.
Consumer complaint received 2017-03-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (WA)

Dear Sir/Madam : I 'm a XXXX Military XXXX with XXXX ( XXXX ) after XXXX years of military XXXX. As recommended by the treatment team, I bought a massage chair in XX/XX/2014 via GE Capital Retail Bank with 0 % interest. My wife, XXXX always made monthly payment on time through XXXX. We were never informed that the GE Capital Retail Bank transferred our account to Synchrony Bank with 29.9 % interest rate in XX/XX/2014. We tried to contact the Customer Service of Synchrony Bank many times ; however, it seemed that they are not willing to resolve the problem. We would like to report this issue to you in the hope that you can help protect the consumer by investigating the dishonest way Synchrony bank is dealing with their customer. If we were informed that our account were transferred to Synchrony Bank with 29.9 % interest rate in XX/XX/2014, we could make a full payment for this transaction. All payment records can be submitted to you per your request. Your consideration and support are greatly appreciated.
Consumer complaint received 2015-11-09
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (WA)

In XXXX of 2015 I had a large charge of {$2400.00}. from a vendor who I contacted to get a refund in XXXX. Since the charge was on my XXXX Barclaycard statement, I contacted their dispute department regarding this charge which they said do not pay until dispute is resolved.XXXX statement reflected no credit. Then XXXX received a letter from Barclaycard 's dispute dept that {$2400.00}. credit was issued twice therefore I owe them this money. My previous bill was {$520.00}. now amount due by XXXX of XXXX is {$4600.00}. My complaint is I think Barclays mishandled the funds in order to make a very large amount due so they could collect 25 % interest which I believe is grossly unfair when charges should have just cancelled out. Now they make it impossible for me to pay this huge amount in full and they gouge me for XXXX & interest on the balance.
Consumer complaint received 2020-06-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Consumer complaint received 2015-06-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (GA)

Rooms to Go closed the account many years ago and submitted it to XXXX XXXX for collection. This debt was disputed and the amount owed. XXXX continues to report it every year to keep it open on my credit report and I have never received a copy of the orginal paperwork as requested from Rooms to Go. Rooms to Go is reporting it as well as XXXX. So I have XXXX companies reporting the same debt each with different amounts.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2015-05-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

I contacted the collection agency and original creditor who have contacted me last year, in good faith, to inform them that they are attempting to collect from the incorrect person with a similar name. I checked my credit report yesterday and I noticed that this collection agency has placed this debt on my report as well as false information to the credit reporting agencies. I have never had an account with this agency or the original creditor. 

This here is a XXXX and last attempt for this company to remove all personal information including, false name, phone number ( s ), address ( es ) and debt they have furnished from all credit reporting agencies. This agency is in violation of of the Fair Debt Collection Practices Act Section 807. False or misleading representations [ 15 USC 1692e ] Section : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

Any attempt from this agency to contact me other than to apologize for ruining my credit and to remove their false information from my credit reports, will be seen and used as false statements of their misrepresentation that I owe them as well as false information provided to the credit reporting agencies. This agency has 30 business days to remove all information they have furnished to all three credit reporting agencies including, name ( s ), address ( es ), phone number ( s ) and false debt. If this agency does not comply with the law, I see no other option but to file legal action against them. 

Further, this agency has violated the of the Fair Debt Collection Practices Act Section 805. Communication in connection with debt collection [ 15 USC 1692c ] ( b ) COMMUNICATION WITH XXXX PARTIES. Except as provided in section 804, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than a consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

Due to their violation of the law, I, a third party, now have the consumer 's information including their debt, phone number, name and address. These violations need to be corrected immediately.
Consumer complaint received 2017-01-19
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc ()

Hello My Paypal Account was suspended in XXXX 2016, and my money was on hold for 180 days. 
After 180 days my money got cleared on XXXX XXXX 2016 the amount was of XXXX . Paypal does'nt allow to withdraw money in XXXX, it only allows to add a XXXX account to XXXX Paypal account . How could have someone got a XXXX account living in XXXX? if they ca n't give their services completely to XXXX they should stop Paypal services there. Now as my money got cleared i need to take it as i have to pay my son 's fee, i waited for 180 days to got it clear, but as my Paypal account is still limited i can not transfer it to any other Paypal, when I contacted paypal through call about this issue their customer representative told me to mail them requesting money transfer to a Paypal Id. So 14 days back on Monday XXXX XXXX 2016 i mailed them giving them the id to which the money should be transferred first i got a reply that this Id does n't exist, i again send the id and on Wednesday i got an email that your inquiry has been escalated and you will be contacted soon, till today nobody has contacted me, i also mailed them first they did n't reply than their complaint department said to do n't use abusive language and rephrase the email so i again contacted them, but still till today XXXX I have n't received a reply from their side, neither do i have got my money in the given Paypal id i.e : XXXXXXXXXXXX ( kindly note that all letters are small ) I 'm in too much pain since i do n't have money When i call them they say to contact them by mail which is also wasting my credit! and when i contact them by mail decently they do n't reply
Consumer complaint received 2016-02-10
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: Paypal Holdings, Inc (IA)

Paypal account existing since 1998 and responding since then to my XXXX email ( per the Paypal user-naming requirements ) refuses to set a default settlement account per user account settings. Paypal conceals a policy of defaulting to its own preference of valid settlement instruments. 
Specifically, Paypal accepted a brokerage account as a settlement instrument, and also accepts settlement through XXXX XXXX ( debit account ), but refuses to allow user preference of XXXX XXXX instead of the brokerage. Since the brokerage has been dormant for over one year, Paypal 's seizure ( or concealment of joint ownership ) of my accounts and destruction of my XXXX XXXX default settings preference has caused over {$100.00} damage to my XXXX brokerage and threatens to continue this abuse of my finances. 
Paypal seized both my entire sales property on Ebay ( listed " as is, '' and " no returns '' ) and also related sales proceeds, which I agreed to pursuant to account termination. Paypal also permitted Ebay to assess me additional costs of the return transaction, without my knowledge and to the injury of my account defaults and my personal finances. 
Please advise me as to whether I need to terminate my relationship with Paypal, as Paypal has already informed that it " defaults to settlement with more prestigious '' instruments/sources and keeps secret from Paypal applicants ( as in my case ) its discrimination against debit resources.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I am writing to ask for your help regarding these inquiries that were not permitted to be reported in my credit file. It was genuinely surprising to see them knowing I never allowed any of these to reflect on my report.
Consumer complaint received 2017-01-19
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CL Holdings LLC (CA)

Jefferson Capital called my work place and discussed my personal matter to an employee there. The person on the phone from Jefferson Capital told the employee that its a personal matter of Debt owed and that I must get on the phone. The person on the other line was threatening and extremely aggressive with my co-worker. I was out to lunch and my co-worker was just trying to take a message. This company would n't give them a call back number or anyone to reach them, they said that they would call back. Jefferson Capital seems like they are part of a scam that bullies people into paying them for debt they do n't have.
Consumer complaint received 2016-01-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (IL)

Ocwen offered a loan modification, I made all XXXX trial payments and then they denied me Citing that I made the first loan payment late, I checked with multiple service representatives before making the payment about the date, Ocwen sent me a certified letter stating that it was not too late to take them up on their offer, I callled and made a payment, they started sending me statements reflecting each payment never mentioning there was a problem with the timeliness of my first payment. 
also they have told me XXXX of my payments was declined by my bank I have copies of my bank statements that reflect otherwise ocwen was scamming me all along, they had no intention of giving me a modification, they did n't deny me until all XXXX payments had been made and they refused to refund my money and refused to give me the modification they offered me. it was all done very strategically. I didnt originally receive the offer letter by mail instead they sent me a notice that i still had time to take them up on their offer, they wouldnt send me an offer letter by mail but let me download it online so i would send them the payments then after getting all the payments they denied me saying it was too late however all their correspondance with me started with a certified letter near or past the deadline.They were scamming me to be able to take my property though i qualified for an modification based on the following facts my loan originated in 2006 with XXXX then transferred to XXXX XXXX XXXX. I should have received an modofication from XXXX XXXX XXXX, they denied me then transferred me to ocwen, and they manipulated the situation to document due diligence. which is in fact a way of scammimng me out of my home.Please help!!!!!