davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-12
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (TX)

Second mortgage was obtained for an inground swimming pool in XX/XX/XXXX for {$32000.00} and has changed servicers multiple times. Ditech is the current servicer and will not provide payoff amount of the loan. The loan was originally with XXXX XXXX XXXX  for an inground pool. I have been calling since XX/XX/XXXX, hired a real estate attorney and have received multiple conflicting stories about the status of the loan, including the property was foreclosed on, is in litigation, not eligible for payoff etc. and will give no further information or disconnect the call. None of the information being provided is correct. 

I was not able to sell my property for a job transfer to another state. I am now trying to refinance the property and not able to. Ditech will not cooperate with anyone representing us.
Consumer complaint received 2019-12-14
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (GA)

Comenity Bank has repeatedly called my other relatives as of XX/XX/XXXX, XX/XX/XXXX, XXXX. They have repeatedly called my uncle and have left multiple voicemails and now after my uncle asked them to take him off the call list that he was never put on by me in the first place, they now have my step-mothers phone number are attempting to reach her. I have a voicemail that she has forwarded me ( from her phone )  of them stating my name, and my account information that is through them. At this point they are annoying me and the rest of my family.
Consumer complaint received 2023-05-12
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. (MD)

The XXXX XXXX XXXX XXXX XXXX thats reporting on my credit report should have been deleted/removed off my my credit report since last year XXXX. its been on my report for 8 years and still reporting.Under the Fair Credit Reporting Act, debts can only appear on your credit report for 7 years. After that period is up, the debt can no longer be reported.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: URS Holding, LLC (FL)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The  presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2020-01-16
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: TD BANK US HOLDING COMPANY (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX  and The Internal Revenue Service my personal information was exposed in both of their data breaches. XXXX, then confirmed on two separate occasions that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2020-01-16
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: CITIBANK, N.A. (MA)

I have been disputing these accounts for so long that I havent got a positive result. I am asking them for proof that I was ever late so it will be justified but I think it only fall on deaf ears. I am writing a complain to you to help me sort things out. I am sure that I was not ever late with these accounts. Please help me get them off my credit report.
Consumer complaint received 2020-01-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TN)

XXXX is my current mortgage servicer, previous servicers were Ocwen Mortgage Service and PHH Mortgage. I'm having problems acquiring mortgage assistance. 
I have been denied several time by all servicers of which they are one in the same. 
My mortgage history in their files is incorrect and servicing notes. Documents from XXXX states I was denied because there was 3 previous modifications. I have only had 2 modification never received a 3rd modification. Ocwen provides misleading information and they are refusing to work with me to save my home. I do not want to lose my home to foreclosure, received foreclosure notice foreclosure attorney who is working on behalf of my mortgage company. Tennessee law requires the homeowner to be given 30 day notice by mail prior to the sale, also the public notice was not published for the number of days per the Tennessee Code Annotated. Never received and acceleration of the note correspondence which reflects amount owed on mortgage from foreclosure attorney office or my new mortgage servicer XXXX. the mortgage servicer records or inconsistence because of the changes with the company. Ocwen is under monitoring with the Federal Consumer Protection Agency PLEASE HELP
Consumer complaint received 2020-01-17
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. (MO)

I am filing this complaint because Transunion refused and ignored the request to provide me with documentation that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify the accounts, under Section 611 ( 5 ) ( A ) of  FCRA they are " required to promptly delete all information which can not be verified. '' Please resolve this matter as soon as possible. Thank You
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (MA)

XXXX is still reporting information that they themselves told me they removed as fraud from my report on XX/XX/XXXX based on the dispute I opened and the FTC affidavit, Police report, and proof of identity I submitted. They state that since collection agencies purchased this information and opened these entries as new accounts - they are showing them. Even though they have retained the information that the Original Creditors and related accounts were deleted due to fraud. I submitted the exact same information to XXXX and they reinvestigated and immediately delete the information ( see attached ) I submitted my original dispute on XX/XX/XXXX and subsequent dispute on XX/XX/XXXX which I am attaching which has my detailed complaint. I also opened a complaint with you and you just closed it because they did a system review. This is wrong, they legal need to show proof that these accounts are mine and neither they nor the collection agency can show that proof - that is why XXXX had to delete the accounts in the first place. Please read my complete complaint attached and also review the documentation from XXXX that they deleted the collection agency 's information from my report. I also just received the same deletion information from XXXX as a result of Credit Dispute # XXXX
Consumer complaint received 2020-01-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I  have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I WOULD LIKE TO HAVE MY CREDIT ALERT REMOVED AND CREDIT FREEZE REMOVED FROM MY CREDIT REPORTS. I HAVE A UNKNOWN ADDRESS ON MY FILE THAT I NEVER LIVED AT PLEASE RMOVE : XXXX XXXX XXXX XXXX XXXX, CA XXXX. I HAVE LIVED IN OHIO MY WHOLE LIFE!
Consumer complaint received 2020-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I got my annual fee on my Capital One spark business card this month. I called in on XX/XX/2020 and asked if they would waive the annual fee and they told me they can't. I told them if I they can't waive the fee then I would like to downgrade ( product change ) to a free version. The rep told me no problem and downgraded me to a card that earns 1.5 % cashback on purchases instead of 2 % like the spark business card I had. When I asked her after the product change to verify the fee was refunded, I was told it wasn't and can't be. I escalated to a supervisor who was just as unhelpful. I explained how the only reason I downgraded to a different card that earned less cashback was to get a refund on the annual fee. She told me there is nothing she can do and she won't refund the fee. I asked to cancel the downgrade and put me back on the Spark Business card that I originally had and was told no. I was misled and am paying the annual fee for a card I no longer have. I have attached the recorded phone call to this complaint
Consumer complaint received 2019-12-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (TX)

So I have spoken with the debt collector in the past but am unable to pay on it. They have since reported a debt that is over 7 years old on my credit as a new debt. It is showing that it was opened in XXXX of 2019 on my credit report which is not the case.
Consumer complaint received 2019-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TX)

Citibank has charged me late fees for statements I'm not receiving. I've attempted on multiple occasions for my address to be updated as I recently moved to another state, yet they refuse to update my current address and refuses to close my account. The account is paid in FULL with a credit of {$570.00} owe to me, yet they will not close my account or credit my account for late fees. I've spoken to multiple supervisors, managers, and the issue remains.
Consumer complaint received 2019-12-12
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

On or about XX/XX/XXXX My employer, the New York city XXXX XXXX XXXX- XXXX XXXX XXXX XXXX reversed my Direct Deposit Account with my XXXX, HSBC USA , NA, a violation of CFR 31 Part 210. On or about XX/XX/XXXX, The HSBC USA, NA Main Headquarters, contacted my local branch and XXXX, the Representative said that I could open a NEW account for my Retirement Account, and that we would not talk about, or discuss, my DORMANT, inactive, old ( Original ) Account. The account in XXXX that was reversed a violation of federal Law pursuant to CFR 31 Part 210. 

Note : The violation of NYS Labor Law Article 18 section 472.8 ( Separation ) is on record FOIL. And the recent ruling from IRS, ( 2019 ). 1099-R
Consumer complaint received 2019-12-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

I am 1 a XXXX an XXXX XXXX XXXX  in a XXXX college. I was told by Navient that I could apply for forgiveness an I would qualify. Well I was rejected an the stared to just TAKE MONEY. The took my entire paycheck from the XXXX  after working Hurricane Maria for 5 months with XXXX XXXX XXXX as a XXXX XXXX. All XXXX dollars to pay my bills from working in Puerto Rico. An I applied again an they just made my payments go up an tacked on interest with a massive CREDIT REPORT negative marks for almost 2 yrs.
Consumer complaint received 2019-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I'll focus on the most recent activity regarding this complaint and will also leave out my last complaint that has still gone unresolved. 

After calling customer service around XXXX/ XXXX, I was told that I needed to request PMI removal via email. In XXXX, I submitted that Email and was subsequently sent paperwork to sign to the affect that I would pay for an appraisal. Paperwork subsiquently signed, submitted, and appraisal done my New Rez selected appraiser. 

In early XXXX, I received a letter from New Rez denying my request for PMI removal. Even though I meet all the requirements from what I can see and their own customer service can see. 

I called last week and was put on hold for an extended period of time. This week I have called 4 times to the number provided in the letter to try to speak to someone about removing my PMI and finding out why I was denied. The number goes to their customer service and I'm told various things from a supervisor can help me to they have no way of getting someone from the " correct department to call me ''. I was told 3 of the 4 times that I would receive a call back from a supervisor. And that I would have to wait 24-48 hours for a call back. On my 2nd call, I asked if I missed the call would they call back or how I would be able to get ahold of them. I was told I would have to just call back into customer service and put in a request for a call back again and to wait 24-48 hours. But not a single call came after the first 3 calls. On my 4 call this week I was was given the honor of being graced with a supervisor to speak with to tell me he couldn't get in touch with the right department and the only thing I could do is send an email again. 

Following the call I sent and email and expect it to take another 30-45 days to receive another form letter, not, relevant to my case. As my experience with New Rez earlier in the year provides.
Consumer complaint received 2019-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I refinanced my existing mortgage from XXXX XXXX XXXX, serviced by LoanCare, to another company, XXXX. In this process, I have a remaining balance in my escrow account of {$800.00} that has not yet been returned. The loan funded on XX/XX/19. I obtained the loan payoff agreement from LoanCare which explicitly states " A refund of any remaining money will be sent to your address of record within 10 business days '' ; however, this time has since passed. Upon calling LoanCare, the representative advised the policy is 20 business days and that this is according to their policy despite what was sent to me as the loan payoff agreement. She then placed me on hold and returned to the line before advising the policy is actually 15 calendar days. I explained once more that a written agreement can not be verbally modified after the fact and also noted that even 15 days have passed since this period. She then transferred me to XXXXXXXX   ' in the escalation team who then reverted back to the 20 business days and when asked why it takes so long to return my money considering they received a wire from the title, he could not answer. Further, when advised of the written agreement from the loan payoff, he could not answer their either. When asked when they intend to send the money, they stated it would be the XX/XX/19 at the earliest. This is contrary to their documented time frame and unjustly holds onto money they are not entitled to and unjustly enriches them with them opportunity to earn interest on funds they are delaying in returning to the customer.
Consumer complaint received 2019-12-18
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. (AL)

I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need these items deleted from my credit report : XXXX XXXX XXXX, XXXX  XXXX. Inquiries : XXXX  XXXX XXXX  XXXX, XXXX  XXXX XXXX & XXXX XXXX  I have contacted my local police and the FTC. I am doing this on my behalf.
Consumer complaint received 2019-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VT)

I have asked Shellpoint Mortgage Servicing repeatedly for an escrow accounting. They have sent me all sorts of conflicting documents and have changed my escrow amount by over {$800.00} per month without an accounting. I want an escrow analysis showing how my escrow payment was calculated and how the monies collected were disbursed. I have asked for this via email and got automated acknowledgement on the following dates below. Shellpoint assumed debt servicing on XX/XX/XXXX from XXXX  XXXX XXXX and has since sold the loan to another company effective XX/XX/XXXX. With change in servicing to yet another company, getting an official accounting of my escrow will be virtually impossible. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. 
I HAVE LISTED BELOW THE APPLICATIONS FOR CREDIT SUBMITTED FRAUDULENTLY WITHOUT MY AUTHORIZATION OR PERMISSION TRYING TO OBTAIN CREDIT OR GOODS USING FRAUD. ANY OTHER REQUEST FOR CREDIT BY ANY OF THESE COMPANIES LISTED BELOW SHOULD ALSO BE FLAGGED AS FRAUD AND I DEMAND AND REQUEST THESE BE REMOVED, BLOCKED AND DELETED IMMEDIATELY FROM ALL MAJOR CREDIT REPORTING AGENCIES. 

XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX , XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX
Consumer complaint received 2019-12-14
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: EQUIFAX, INC. (MD)

On XX/XX/XXXX, I was reviewing my Equifax credit report and there were 3 old accounts listed that should not be on there. Under the Fair Credit Reporting Act, old accounts can not be on your credit report after 7 years. Two XXXX XXXX  accounts are over 10 years old and the XXXX XXXX account is over 20 years old. These same 3 accounts are not the listed on XXXX or XXXX. 
The information on the XXXX XXXX  accounts and the XXXX XXXX  account are incorrect. These 3 accounts were paid off as part of a debt repayment program called XXXX XXXX XXXX XXXX XXXX. Attached is payoff information sent to me from XXXX XXXX XXXX along with my XX/XX/XXXX XXXX credit report that shows incorrect information as well. 
You can also reference reference prior reports to CFPB for more information. Report number XXXX on XX/XX/XXXX regarding Equifax and report number. 
XXXX on XX/XX/XXXX regarding XXXX XXXX  can also provide more information and detailed back up on this issue. 
It is against the law to not only provide incorrect information on credit reports, it is also against the law to post old accounts for 10 to 20 years on a credit report. This information is affecting my credit negatively and prevents me from getting credit cards and other things that are based on your credit score. It appears that Equifax is deliberately trying to intentionally do this considering these 3 accounts were part of a debt repayment program and they are not listed on any other credit reports.