davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XX/XX/XXXX-XX/XX/2011 I damaged my phone and returned it to XXXX. They claimed they never received it and charged my account {$370.00} for " lost equipment ''. I disputed this with them at this time to no avail. 
I cancelled service ( outside of contract ) and went to another provider. XXXX continued to charge me monthly after I left the company. 
I do not owe XXXX {$2300.00}. My position is that I owe them nothing but I am willing to settle for the " lost equipment '' charge and have this removed from my file. 
I approached the collection company and offered to settle. They replied with an amount that is out of the question. 
Please help, they have been less than cooperative. 

Regards, XXXX XXXX
Consumer complaint received 2015-07-10
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (NY)

Lender : Chase Home Finance LLCLoan # XXXXI tried to assume my loan, which servicing by Chase, but received decline which I do not believe was fare and justified. My Bankruptcy was discharged more than five years ago, all derogatory accounts on my credit report were as part of my bankruptcy. After I received my loan modification in XX/XX/XXXX, I never was late on my mortgage payments, but because of my past bankruptcy my payments were never reported to credit bureaus, which had negative effect on my credit score. 
I have legal XXXX family house, and according to conforming limit in our area my loan amount can not exceed {$800000.00}, which if way above of my outstanding loan amount. 
I 'm single mother with teenager daughter living and maintaining this house after my divorce. During the divorce proceeds house was left to me and my daughter, and court ordered me to complete assumption within one year. 

My current mortgage is much higher than my property value because we bought this house on the peak of the real estate market and during the recession value of my house has dropped. As of XX/XX/XXXX, my outstanding unpaid balance around {$520000.00} and deferred principal balance {$57000.00}, and my house marker value around {$540000.00}. By selling the house I will end up owing the bank substantial amount of money which I do not have. Therefore, to sell this house or even do the Short Sale this will have excessive negative financial effect on me, will affect the credits, reporting canceled debt as income to the IRS and paying taxes under the capital gain, and/or layout money at the closing. I can not sell or refinance my house. 
I do not see any valuable reasons for Chase to decline me for loan assumption when I 'm a good Chase customer who never miss or been late on mortgage payments. 
I truly hope that Chase Home Finance will consider working with me and I am looking forward to assume the mortgage so I can move on. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-04-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

For several years I 've been denied any loans on the grounds that my credit report and score can not be pulled. Finally I decided to find and fix it. Spent endless hours with all credit bureaus, found out that I was noted as deceased in TransUnion, mailed them a copy of SSN. Called Social Security, they found no problems there. Now Transunion claims their file is correct, so does everyone else, but now one can give me the report. Not for free not for a fee. PLease HELP
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Immediate correction required : Numerous positive tradelines are missing from my credit report, creating the inaccurate " short '' credit history that has damaged my credit. Given the significant weight given by the CRAs in calculating ones ' credit score, the unauthorized deletion of decades of positive trade lines is a gross violation of fair credit reporting practices, to say the least, and actionable by the injured consumer. it seems shockingly inappropriate that the entities charged with a fiduciary duty in collecting and managing the public utilization of credit resources, are able to so negligently permit this to occur, without any mechanism of prevention, to insure accuracy and integrity of the credit reporting function.
Consumer complaint received 2015-10-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

Ocwen did an escrow analysis and decided to increase escrow payment {$38.00} per month, payment increase notification was not received so next month payment ( {$1400.00} ) was sent out and received and NOT applied to mortgage, it was kept in an ocwen suspense account after they took their fees. Loan was then reported as 30+ late for 4 of the next 6 months, causing a large drop in credit score. Additionally, another department in Ocwen was prompted to check the property since the payment was not reported as paid, had an adjuster visit the property for inspection. Adjuster went to the wrong property, took pictures of the wrong house and reported the property vacant. Ocwen received this report, without looking and noticing that the mortgage payments continued to be paid, reported the property vacant to homeowners insurance and requested the policy be cancelled. Policy was cancelled and property was put at risk being uninsured for several months - meanwhile Ocwen continued to receive monthly mortgage payments from homeowner ( no payments were ever missed nor were any payments ever late ) This is even evidenced on Ocwen 's site. Homeowner finally became aware of the issue when Ocwen sent a letter informing that a new insurance policy was needed for the property. Now homeowner had to buy a " non-preferred '' policy as there was a lapse ( without any notification ) and has collateral damage with an approximate XXXX point drop in credit score which negatively impacts the ability to refinance the home, etc. On top of all of this, the Ocwen escrow appraiser did another analysis and found the escrow account to have a {$1000.00} overage just XXXX months after this all started and sent a refund check - clearly stating that the starting event for this entire issue was A MISTAKE. Homeowner has had hours and hours of frustrating calls and sent several letters to Ocwen and Ocwen 's ombudsman office who have failed to repair any of the consequences - they sent a letter to the XXXX bureaus stating that the account was in fact never late in payments but that does n't NOT restore the credit score or repair the financial damage. They continue to send letters stating they are " reviewing the problem ''. They have no incentive to fix the problem.
Consumer complaint received 2016-08-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc. (GA)

Nelnet is reporting a 90 day late on my credit report. I do n't believe this is factual. I have consistently sent in my documents to defer my payments since graduation school. I have written them over 3 times to see documentation of this 90 day late in XXXX 2012. 
The worst part is that they are reporting all of my loan separately and that makes it look like I was late on over XXXX credit accounts. : - ( I feel this is unfair as I am trying to purchase a house and get a car and this is holding me back.
Consumer complaint received 2022-02-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

The lender sent two payments for property taxes one payment in XX/XX/XXXX and another XX/XX/XXXX due to an error by the county, The county reimbursed about 87 % of the money on XX/XX/XXXX. In the interim, mortgage company did an escrow analysis prior to receiving refund. My mortgage jump to an extra {$1400.00} a month. I have a fixed rate mortgage. I called the company around XX/XX/XXXX to asked them to redo the escrow analysis. The agent said he would put in the request and it should be done by XX/XX/XXXX. I checked on XX/XX/XXXX and it still had not changed. I called again the agent said the request was started but had not been submitted. She said it should be done by XX/XX/XXXX. I checked everyday since XX/XX/XXXX and there has been no change. I called the company again on XX/XX/XXXX and spoke with two agents and they see the refund made by the county but the second agent was confrontational after I became confrontational with her. I asked to speak with someone above her and she said no one was available and that someone would contact me within 24 hours. I have not heard from anyone yet. By the grace of God, we were able to pay the mortgage by XX/XX/XXXX but I checked this morning and it still has not gone down. I have a 3.25 % interest rate on a $ XXXX mortgage. My initial mortgage until XX/XX/XXXX was {$2000.00}. Now it is showing as {$3400.00}. My property tax bill was {$5900.00}. The loan originated XX/XX/XXXX. They are not being reasonable and I'm at my wits end. I've never been late on my first home of 13 years. This is my second home, to deal with this is not acceptable. I need help. Thank you.
Consumer complaint received 2015-08-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NJ)

We where given a MHA modification effective XXXX XXXX 2014 with our mortgage company Ocwin Financial. The program was MHA 's Principal Reduction Alternative ( PRA ). Ocwin issued a XXXX Cancellation of Debt dated XXXX XXXX 2014 showing a discharged amount of XXXX. However the program is structured so that the balance is a forbearance and then XXXX of that forbearance will be forgiven on each XXXX year anniversary for a XXXX year period. Ocwin should not have issued a XXXX for the forbearance on XXXX XXXX 2014. We have contacted Ocwin on serveal occations and the refuse to issue a corrected XXXX. This has resulted in a XXXX dollar tax bill. We where expecting a return of XXXX that was going to be used to help make our mortgage payments. Ocwin 's mistake has resulted in us being unable to make our mortgage payment and accruing interest and penalties with the IRS because we can not afford to pay the outstanding balance with them. We feel like we are in a catch XXXX. If would could resolve this issue it would save our home.
Consumer complaint received 2016-10-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Trans Union refuses to remove student loan accounts that have been discharged by the Department of Education on XXXX XXXX 2016. The accounts are with XXXX and with XXXX. Trans Union is reporting incorrect account numbers on the Dept of Edu/XXXX accounts ; the XXXX account is properly reported as XXXX ... I have attached documents from XXXX, service for the Department of Education, proving that these loans have been discharged and paid in full and at XXXX balance and should be removed immediately from my Trans Union credit report.
Consumer complaint received 2022-02-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (FL)

XX/XX/2021. I checked my account and noticed XXXX was in my XXXX XXXX account that was joined I immediately transferred XXXX to my checking and locked my card because that's all I was able to savage at that moment. I checked my savings account and it was depleted to XXXX cents.I called the bank in a XXXX. Me and my XXXX rushed to the bank and found out that all of my savings was withdrawn XX/XX/XXXX, XXXXunathorized and XXXX was XXXX  to a unknown person account at XXXX XXXX XXXX XXXX also unauthorized. We made the report at the bank that day and I we was very confused to find out fraud was still going on because the bank never closed the account XX/XX/XXXX. When we reported the fraudulent activity so the perpetrator was still committing fraud with XXXX  and XXXX XXXX I went back to the back to the bank finally close our accounts XX/XX/2021. I made several reports to get my money back but was not successful. My claims was denied four times for the XXXX dollars that was XXXX. The bank stated after reviewing all relevant internal records and information that I provided, they have concluded that there are elements of my claim that lack credibility and they believe that the transactions that compromised my claim must be considered authorized and they are unable to honor it. I made another report and another report proclaiming that all transactions that I reported was unauthorized and fraudulent but the bank continues to deny my claims. Please help me this was my money that I took out of my XXXX to buy a house so I would like all my money back thank you.
Consumer complaint received 2024-11-14
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. (FL)

I am writing to formally request the blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. My personal information was compromised in a data breach, and these entries were fraudulently created using my identity. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts and inquiries be blocked and permanently removed from my credit file. 
Unauthorized Accounts XXXX. XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$980.00} XXXX. XXXX  o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$7500.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$86000.00} XXXX. XXXX XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$0.00} XXXXXXXX XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$7600.00} XXXX. XXXX o Account XXXX : XXXX o Open Date : XX/XX/XXXX o Balance : {$14000.00} XXXX. XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$890.00} XXXXXXXX XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$7500.00} XXXX. XXXX o Account XXXX : XXXX o Open Date : XX/XX/XXXX o Balance : {$1600.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$7500.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$74000.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-08-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (GA)

Chase Bank will not let me close my XXXX account. My XXXX has been closed over 3 years ago. I have no active XXXX. It was an XXXX registered XXXX. I added my brother to the account when I opened the Chase XXXX account. When I tried to close the account, they said my brother was on it and they could not close it. I had my brother go to a Chase Bank XXXX where he lives and show identification while at the same time I was at a Chase Bank here XXXX, where I showed proper identification. We had a conference call with XXXX parties on the line and Chase Bank still refused to close my account. There has been no activity on my account. They keep deducting {$12.00} monthly from the funds I have left in the account. I want to close my account. Please help. I do not know what to do next.
Consumer complaint received 2015-12-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

On my report is states that I have XXXX XXXX XXXX XXXX XXXX accounts that are shown as a negative impact. However, all of my student loans are and have always been in good standing. They were all consolidated into a total of {$72000.00} which is list as a positive impact on my credit score. The XXXX XXXX accounts are listed twice basically, XXXX which is inaccurate and itemized as negative. And the second which is correct, as a positive impact. I 've reached out to XXXX XXXX which is now XXXX and they stated they show these loans were consolidated and paid in full. However, the negative marks are still on my credit report which credit reporting agencies refuses to correct.
Consumer complaint received 2016-01-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NY)

This is my second complaint submitted on this property regarding Ocwen Loan Servicing. Please refer to XXXX attachments that provide a history of my experience. This is my second attempt having requested a Deed in Lieu on my property at XXXX XXXX XXXX XXXX in XXXX, NY. Despite weekly calls since XXXX 2015, this process is still not resolved. On my call today with Ocwen, I was informed by my relationship manager, XXXX XXXX, that my Deed in Lieu was denied due to the property evaluation being ordered but not completed because of lack of access to the property. I do not live in this property and have not had access to this property for almost four years. Ocwen 's Property Preservation Program is the only entity that has access and it was noted several times in my case file for the evaluator to contact them for access. The process has been stalled numerous times over the past several months due to things such as Ocwen not paying their attorneys fees and its relevant departments and contractors not communicating with each other. I was told that I was in the final stages of my Deed in Lieu process being complete until today. Now I am being told that I may have to start the process all over again through circumstances completely beyond my control. I need someone to review all case notes on this file through Ocwen and assist me with bringing this four year process to a close.
Consumer complaint received 2022-02-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (MO)

I opened a checking account for myself and then another account for my XXXX old daughter that JP Morgan Chase allows . I attempted to transfer money ( approximately {$5000.00} ) to her account from my current bank Commerce. Chase immediately locked me out from seeing all of my accounts including my credit card. I've called multiple times, spent hours on hold and have been hung up on when placed on hold. 

I called and requested a call back on Wednesday XXXX at XXXX. I missed their callback because it showed up as spam risk on my phone. I called them back at XXXX and again left a call back number. I called my chase credit card number and they said they couldn't help me, but that my credit card account information looked fine. They sent me over to " fraud '' and said it would be a 3-5 minute wait. When they put me on hold, the automation said it would be 40 minutes. I waited for 50 minutes and then hung up. I called again requesting a call back. The automation said it was a 5 hour wait. They called me back, put me on hold for 11 minutes and then hung up on me. 
Today XX/XX/16 I called and they put me on hold for 16 minutes. I got through to someone that stayed on the line with me. I told them I wanted to close my accounts including checking and credit because I no longer wanted to deal with this " customer service. '' They tried verifying that I was the one making the activity on the checking account, which included the {$5000.00} I had originally attempted to transfer to my daughter 's account. I told them that was me. They said they needed me to provide the debit card account information as a last step for verification. I told them I obviously didn't have it as it was a new account that was just opened and that I immediately had no access so can't see any account information. She continued to tell me why I needed to provide a debit card and I once again explained that I couldn't provide that since the account was opened a few days prior and that I couldn't see the account information and did not have a debit card. She put me on hold, then CALLED me on another line. I put the hold call on hold and answered the other call. She argued with me that she had only placed me on hold, but didn't call me. I said I had two open lines with her supposedly on it and which one did she want to talk on? She hung up on me. I called again and left my call back number. They called me back and I told them on a recorded line that they are to close all of my accounts and that I'm not doing this anymore and that I would be filing a complaint. He said he would have to put me on hold in order to get me to the escalation department. I told him " no '' and that he could take my name and number and call me back once they've figured it out. They haven't called. I have no access to see my accounts and no ability to close them.
Consumer complaint received 2016-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Trans Union offered me a credit monitoring program and I religiously monitor it do to the persistent ID Theft that has plagued me for the past 3 years. In viewing my most recent report Trans Union listed a Collection account sinking my score, It is fraudulent yet they wo n't list the name of the company. They also reinserted XXXX FRAUDULENT INQUIRIES into my report and sent me a hard copy of apparently XXXX separate files. This is a clear violation of FACTA, and Federal Law. I have resent them XXXX, the XXXX Police Reports, FTC ID Theft packet, XXXX Inspector REPORT, and copy of my identity to request an update to my fraud alert phone number to remain vigilant of updating. 
The mere fact they have placed a fraudulent debt collection account on my report and reinsertion of XXXX prior deleted Inquires that I protested through many avenues, the last is going to be legal, dealing with there repeated obstructs is tiresome and I am tireI want them investigated and am attaching a copy of the most recent Trans Union report along with Police affidavit and FTC ID Theft Packet, I also today contacted the XXXX, and XXXX along with the FTC and XXXX of there dereliction of duty.