davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NM)

The issue is related to my escrow account which is held and managed by my Mortgage company ; Ocwen Loan Servicing LLC . What started everything off is the lender paid my Flood Insurance Policy and sent a check for {$660.00} on XXXX XXXX, XXXX after the due date in XXXX of XXXX to renew the policy. As a result, the insurer canceled the policy because of non-payment by the due date. Because of this, I was forced to request a new Flood Insurance policy. The new policy cost {$100.00} more than the original policy as there was a rate increase that took place after the renewal due date of my original policy. I had a conversation about all this with the Mortgage company and told them they were responsible for the premium increase for this next year renewal. They agreed with me after a long conversation with them that it was their fault the policy had been canceled. 
My producer sent the new policy to Ocwen, the cost for the new policy is {$760.00}. Ocwen then sent out another check on XXXX XXXX, XXXX for the difference in the XXXX policies instead of issuing a whole new check for the full amount of the new policy. The insurer rejected this check because it was a partial payment and not the full payment. They only accept full payment for this type of insurance policy. This check was sent back to Ocwen. 
Ocwen then sent out another {$100.00} check out of my Escrow account on XXXX XXXX, XXXX. This check was never received by the insurer. 
Finally, on XXXX XXXX, XXXX Ocwen sent out a check for {$760.00} to the insurer for full payment of the new flood insurance policy. 
To date my escrow account has only been credited with XXXX of XXXX {$100.00} credits. A check for {$660.00} was issued by the producer to Ocwen. They cashed the check on XXXX XXXX, XXXX. To date this amount has not been credited back to my Escrow Account. 
So at this point Ocwen owes my Escrow account {$100.00} + {$100.00} + {$660.00} for a total credit of {$870.00}. On XXXX XXXX, XXXX Ocwen sent me an Escrow Account Analysis and disclosure statement. This is not the first time they have made a mess out of my escrow account or messed up a payment on my flood insurance. I am fed up with them, their customer service is horrible. I need some help to find relief before they increase my mortgage payment due to my escrow account being short {$870.00}.
Consumer complaint received 2017-11-28
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. (NY)

On XX/XX/XXXX, I forwarded a Certified Letter to Transunion Consumer Solutions Disputing the Validity of a Collection account listed on my most recent Credit Report. 
Collection Account - Creditor : XXXX XXXX - Date opened - XX/XX/XXXX. Original Creditor XXXX XXXX XXXX XXXX 
( XXXX - debt buyer ) I also attached a page from an older Transunion Credit Report which was dated XX/XX/XXXX showing a line item XXXX XXXX XXXX  with a last payment date XX/XX/XXXX. XXXX ( XXXX XXXX ) - showing the same account number as the XXXX XXXX account listed above. 
( this account had since dropped off of my Transunion report and the Collection account was added ) I advised that I did some research of my own and was aware of XXXX XXXX XXXX Deceptive Practices and this appeared to be one of them ; False Credit Reporting ; Re-aging an already existing item and that I was aware that this practice was ILLEGAL and it had a severe negative impact on my Credit Score. 

In addition I advised I was aware that XXXX had to pay a {$3.00} XXXX penalty to the CFB 's Civil Penalty Fund, that it Must stop selling debt that it can not verify and that XXXX sent inaccurate information to debt buyers when it sold off credit card debt and used law firms that Altered court documents. 

I also let Transunion know that I was aware of the article on the CFPB website dated XX/XX/XXXX that Transunion must provide more than {$13.00} XXXX in restitution to affected consumers and {$3.00} XXXX to the Bureaus Civil Penalty Fund. 

Transunion came back with the following : Your Investigation Results : XXXX XXXX Information Updated, Verified as Accurate and Updated. 

I do not feel that Transunion has Accurately reviewed the contents of my Certified letter and attachments. 

It was made extremely clear in my letter, that this debt buyer ( XXXX ) has engaged in the act of False Credit Reporting Re-Aging. 

XXXX BOUGHT XXXX XXXX XXXX XXXX XXXX IN XX/XX/XXXX! 
I DID NOT sign any agreement with XXXX/XXXX. 

The above is a clear example of REAGING with the INTENT to severely damage a CREDIT SCORE by adding a NEWER line item and RESET a Statute of limitations. 

Transunion has permitted this to occur by not properly monitoring reporting practices.
Consumer complaint received 2017-12-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: KEYCORP (PA)

I had a IRA certificate of deposit that I opened with XXXX XXXX XXXX that Key bank took over. Upon the maturity of the certificate and transfer to another bank, Key bank kept {$25.00} transfer fees for itself. When I opened the certificate at XXXX XXXX XXXX in XXXX 2014, there nothing in the contract that I signed that stated I would be charged a transfer fee. Key Bank took over my ira from XXXX XXXX when it took XXXX over, but that does not give Key bank the legal right to change my ira terms without my consent.
Consumer complaint received 2017-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ND)

I applied for a XXXX XXXX XXXX XXXX credit line on X/XX/17. They put XXXX hard inquiries on my XXXX credit report. I would like XXXX of those credit inquiries removed.
Consumer complaint received 2017-12-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Santander Consumer USA Holdings Inc. (DE)

In XX/XX/XXXX, I filed a complaint with Santander Consumer regarding how I make my payments. They only allow me to make payments talking to a representative. This costs {$10.00} a month. They have an automated system where you can pay less to make a payment but it has not allowed me to do this since XX/XX/XXXX. They stated it was because I had a return checks. I told them that I do not want to pay with a check I just want to pay with my debit card and it will not let me. The office of the president told me that this block would be lifted in XX/XX/XXXX to allow me to pay through the automated system so I can pay less fees. I still could only pay with my debit card, which I am fine with, but the fee would be substantially less. As of today, XX/XX/XXXX, I am still not able to pay through the automated system. I have to talk to a representative and pay the XXXX fee just to make a payment. 
I believe this company is ripping off comsumers by doing this, This needs to be addressed.
Consumer complaint received 2017-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (TX)

My home was flooded as a result of Hurricane Harvey and I am living in a house w/ walls missing. My flood insurer ( XXXX ) issued my wife and me a {$15000.00} check as an advance on my dwelling claim to help w/ emergency repairs. I sent the check to TIAA-XXXX ( XXXX XXXX XXXX ) my mortgage company over a month ago for endorsement so I can start the repairs, but they subsequently transferred my loan to EverBank. This was back on XXXX XXXX, 2017. I have made several calls to both TIAA-XXXX ( XXXX ) and EverBank. XXXX 's Loss Draft Department told me on  numerous occasions that the check was sent to TIAA Corporate, so they can send all information and files related to transferred loans, including insurance checks, to EverBank. Recently XXXX advised me that the check was cashed by XXXX but XXXX refuses to release the money to me or EverBank, meanwhile I ca n't get funds to pay my contractor. I pay my mortgage payments religiously through ACH debit, so there is no reason for XXXX to withhold the $ XXXX or take so long to send to funds to EverBank. How XXXX can cash a check that required my wife and my endorsement and then keep the funds w/o giving them to EverBank is beyond me. I guess a big financial institution is allowed to take a consumer 's funds for over 30 days, earning interest on it while the consumer is struggling to fix his house after a natural disaster. We live in a XXXX XXXX where things move quickly and I still do n't understand why XXXX is not required to act more quickly, allowed to cash a check w/ my wife and my name on it w/o telling me, and literally tell me nothing during this process, requiring me call them almost every week to find out what happened to the $ XXXX check from my insurer. PLEASE HELP!
Consumer complaint received 2017-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber (CA)

Last XXXX XXXX, 2017. I disputed this item with the credit bureaus and I requested that the credit repositories contact this company to provide proper validation documents which I never received. However, the credit bureaus kept the account reporting in my credit file. 
This is a violation of FCRA and FDCPA on both parties. Also, this item has been removed by XXXX from my credit report. What makes this item valid with XXXX is a mystery. This is my last resort before getting a legal counsel involved.
Consumer complaint received 2017-12-01
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (CA)

I leased my vehicle through Ally Bank. I setup my account on auto pay XX/XX/XXXX. Prior toXX/XX/XXXX my credit card had been compromised so I cancelled it and obtained a new card. I called Ally bank on the XX/XX/XXXX date to make sure they had the new card information so there would be no interruption of my auto pay account. I was told by Ally not to worry as the Auto pay was connected to my checking account. On or about XX/XX/XXXX I was sent an e-mail by XXXX XXXX stating that my credit score had dropped as a result of a 30 day late issued by Ally Bank. I called Ally bank and after two hours on the phone and 6 representatives was told I cancelled my auto pay on the XX/XX/XXXX date. Upon investigation it was determined Ally bank made the mistake of cancelling the auto pay. Further they never notified me of the cancellation of the auto pay or that it was delinquent. I am purchasing a home and am in effect homeless as I have sold my home in Arizona. I can not purchase a home until I resolve the Ally bank problem and have my credit score put back to where it was prior to Ally banks mistake. I have informed them of this with no result or action by them. it is my hope that you can help me resolve this issue. Thank you very much.
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (LA)

OnXX/XX/XXXX i sent a letter requesting validation of a debt to National Credit Systems through certified mail. I dispute the mark on my report through XXXX XXXX and XXXX NCS never sent a validation letter but reported to transunion that the debt was valid. I called NCS stating the debt is n't valid without proof and it is also passed the statue of limitations law in the state of Louisiana for them to even collect. The young lady hung up in my face. I re disputed the account and contacted the BBB and XXXX. I will not stop until this mark is off of my credit report and will seek IMMEDIATE legal action
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have submitted a police report to all 3 credit beuros aeveral times reguading the following i b quires. I need them removd immediately because they are causing negitive impact on my credit report. Th r y are not mine and never authorizrd. Here is list of inquiries, thank you XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RGS Financial, Inc. (VA)

On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX  which they received on XX/XX/XXXX asking for validation of a debt that XXXX stated I owed. XXXX XXXX XXXX  was unable to provide that information because so they stated they would give the account back to XXXX XXXX ... Shortly after I seen that I now had a XXXX XXXX debr on my XXXX report through a company called RGS in the amount of {$1.00}, XXXX in which I was never notified by RGS via mail in reference to this debt, lastly I received a bill from a company by the name of XXXX for XXXX XXXX with a debt amount of XXXX ... These companies has failed to provide any proof that this is my debt and XXXX XXXX keep selling my account to multiple people without any contractual obligation from me ... I asked that this account be removed from my report by RGS, I ask that my information be taking from XXXX XXXX  and not to be sold or transfered to any other company because they have failed to provide me with the audit trail of the said account ....
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I 've pulled my credit reports and have noticed inquiries on my report that I did not authorize I 've contacted XXXX. About this matter and. And have not gotten any help with this matter. They have had many credit security breeches. And the company website said that I was impacted by this. I do not want to sign up for any credit monitoring service they offer I just want these unauthorized inquiries removed
Consumer complaint received 2017-12-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rocky Mountain Recovery Group (GA)

This company bought this debt from the now defunct XXXX XXXX XXXX which attempted to charge me {$44000.00} for air lift for my so whom was severely injured in a rural area of Georgia in XXXX. I believed that XXXX XXXX XXXX XXXX covered this expense and XXXX XXXX XXXX stopped contacting me. Meanwhile, unknown to me, XXXX XXXX, continued to report me to collections and charge me interest.My son was covered under my medical policy at the time. This has ruined my credit.
Consumer complaint received 2017-11-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings (TX)

My problem is they turned all my info over to a very shady 3rd party collection company. Name, birthday, address, and full social security number. These people are very bad. XXXX XXXX XXXX XXXX. Now I have to get a way to protect my identity. This is not right.
Consumer complaint received 2017-11-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

Note : I 've attempted this approach before, without resolution. I need better support. 

Navient ( formerly XXXX XXXX ) continues to maintain that I missed a payment several years ago. They continue to charge me late fees. I provided all documentation they requested, including bank statements going back five years -- all of which shows I am not behind on my payments. I have repeatedly requested someone with the proper authority to contact me to resolve this ; no one has done so. 

I have also repeatedly requested that my account be updated to reflect my status as a customer who is current with his loan payments ; that I be credited all late fees and unnecessary overpayments ; and that the company stop contacting me about what is the company 's error ( not mine ).
Consumer complaint received 2017-12-01
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. (FL)

I am filing this complaint because Transunion and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify or validate the accounts i disputed. Being that they have gone past the 30 day mark and can not verify/validate these accounts, under Section 611 ( 5 ) ( A  ) of the FCRA-they are required to " ... Promptly delete all information which can not be verified '' that i have disputed. Please resolve the manner as soon as possible. Thank You.
Consumer complaint received 2017-11-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (AL)

I applied for a mortgage refinancing through Quicken Loans. The approval letter is dated XX/XX/XXXX. Talked to XXXX XXXX he told me I was approved. All I had to do was send them a good faith deposit of {$400.00} and it would be refunded when my loan was processed. On XX/XX/XXXX I received a letter saying I was not approved. I XXXX XXXX and ask for my refund of my deposit. He then told me I would not get it back because it was for the appraisal. I told him he misled me. I contacted Quicken Loans many time for my refund with no results. My loan # XXXX. I have XXXX after this happend and there is thousands of people they have scammed people out of money this way. Please help me.
Consumer complaint received 2017-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC (HI)

Received a phone call from a representative of XXXX XXXX XXXX advising me that they are attempting to collect an unpaid debt for furniture delivery in Florida. I immediately thought this was a fraud, and I advise the person that I was hanging up because I 've not purchased furniture and do n't even live in Florida. We conversed more and I found that somehow someone opened an account with my credentials with a company named XXXX XXXX XXXX  to purchase furniture - I was even given the address - a 'manager ' of this credit services company was the one whom provided me with this extra information and assured me he would send this case back to the leasing company. 
I immediately looked up this leasing company and called in attempt to clarify this - I was unable to speak to a 'person ' but was able to leave MULTIPLE messages. To date no one has contacted me. 
Pulling up my credit report after the XXXX security breach I noticed a collection account listed for {$1800.00} from XXXX XXXX XXXX, I also see that one of my past addresses listed is FLORIDA? I 've NEVER lived in Florida - I can provide any proof needed and can attest to the fact that I have NEVER lived in Florida and have not opened any account from XXXX to purchase furniture. 
PLEASE CLEAR THIS OFF MY REPORT as this is FRAUD/I am attempting to purchase property and this should not be on my report - I believe this leasing company did not have a valid right to open an account under my credentials. How could this happen? This is completely false and illegal!!!!!!
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX Account # XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX
Consumer complaint received 2019-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NV)

I have contacted Wells Fargo Home Mortgage several times requesting copies of monthly billing statements for the years XX/XX/XXXX through XX/XX/XXXX. I have also requested a copy of the XX/XX/XXXX IRS Form XXXX, which they had until XX/XX/XXXX to issue to me, but have failed to do so.
Consumer complaint received 2017-11-27
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XXXX XXXX, 2017 I went into XXXX XXXX XXXX with my pre-approval letter from XXXX to test drive a Red XXXX. The manager XXXX XXXX requested credit report with out my knowledge and consent. Because of this my credit was ran resulting XXXX Unauthorized inquiries. The next day I went back to the dealership asking for his supervisor. XXXX XXXX the General manager asked me to explain what happened and as a result typed up a letter on the companies letter head to all the Financial companies and credit reporting agencies requesting that they remove the inquiries on behalf of XXXX XXXX XXXX. Unfortunately, as of today NONE have been removed. Since then, I 've called, faxed, sent certified letters that XXXX XXXX drafted to each company as well as the credit bureau asking that that they be removed. Nothing has been removed a year later. I 'm in the process of purchasing my first home and these XXXX inquires are hurting my credit worthiness and credit score. The company is requesting that they be removed and now I 'm asking that they be removed!!