davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

I had a XXXX investigation going on with Equifax. I had investigated around XXXX things on my credit file that were deleted. This is my personal opinion, when I setup a investigation throw you all it seem like my item were deleted faster from my report. When I viewed my Equifax credit report they even remove all my good credit. I have at least XXXX items that stated paid as agreed never late. Now every negative thing that was deleted off my credit report is now reporting back on their again. The only thing Equifax did not put back on their was good credit. When I call Equifax they were very nasty to me not professional at all.
Consumer complaint received 2016-09-30
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

Several years ago we opened a savings account at Wells Fargo because we already had a business checking account there. We were surprised to learn that we would also have to open a checking account and credit cards. We did n't want this, but our savings account was contingent on agreeing to these services. Was it legal for the bank to make this mandatory if we wanted a savings account? The maintenance fees, etc. just ate away at our resources.
Consumer complaint received 2015-05-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Dyck-O'Neal, Inc. (OR)

To whom it may concern, This concerns Dyck O'Neal collection agency. 
In XXXX of 2015 I was told by phone that I was past due on an account. 
I had become late on monthly payments of {$77.00} to the XXXX XXXX Mortgage XXXX. My past due amount was appx {$2400.00} according to Dyck O'Neal in XXXX of 2015. 
On XXXX XXXX I made a {$250.00} payment online. 
The XXXX statement reflected that payment and stated I owed {$2400.00} ( past due ) plus {$230.00} in late fees for a total of {$2600.00}. 
On XXXX XXXX, 2015 I called Dyck O'Neal to make a payment to be current. I was told on the phone that to become current I had to make a payment of {$1700.00}. I asked several times if this was correct and I was told several times this would bring me current. I made the payment over the phone for {$1700.00}. 
The XXXX statement reflected this payment but nothing was applied to late fees. The amount owed was shown as {$690.00} plus {$240.00} in late fees for a total of {$940.00}. 
( {$77.00} was added to each statement as that was what the monthly payment is suppose to be. ) On XXXX XXXX I phoned Dyck O'Neal and asked how much did I owe to become current. The woman stated {$950.00}. I again asked several times, " will this bring me current ''. Several times she said " yes ''. I made the payment for {$950.00}. 
The XXXX statement came and it shows that only {$21.00} has been applied to late fees. It states I owe {$77.00} plus {$230.00} in late fees for a total of {$310.00}. 
Since the XXXX statement which showed that I owed {$2600.00} ( I do not dispute this amount ) I have paid Dyck O'Neal {$2700.00}. They are still asking that I pay {$230.00} late fees. XXXX they have told me on the phone that I am " current ''.
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am at my wits end .... I have disputed accounts with Transunion that somehow have been placed on my credit via the internet and through the mail for the past 5 months and I have not received a response. I have tried to call by phone and I had to leave a message .... I have done this 3 times and todate no one has got back to me and the improperly placed information is still being contained in my file!!! 
This is not right!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-20
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Onity Group Inc. (NC)

I have a property in the State of North Carolina that Ocwen is attempting to foreclose on, but NC General Statute requires that the FDCPA debt letter be mailed WITHIN 30 days of the date of the original notice of foreclosure. The date of the original date of foreclosure was XXXX XXXX, 2011. I recently filed a complaint with this office stating that the appointed trustee never mailed the letter, but counsel for Ocwen responded by sharing a letter dated XXXX XXXX, 2011. This letter was not within 30 days of the date of notice and therefore, I was never provided FDCPA letter within 30 days of the notice of foreclosure as required by NCGS 45-21-16 ( c ) ( 5a ). The dates are clear and as stated Ocwen and its predecessors did not follow the law and provide the required 30 day FDCPA letter in accordance to law. Owen 's XXXX XXXX, 2011 was pre-mature, outside the 30 days and contained foreclosure fees that were not yet due. Ocwen must give us the opportunity that it gives everyone else when the full foreclosure process is not followed in accordance to law.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Late payments were reported on my XXXX credit report. I performed a dispute through XXXX questioning the validity of the late payment being reported. I requested proof that my credit card statement was sent to me 21 days before my due date. XXXX determined the reporting was verified without providing me any proof per USC 15 1666 ( a ).
Consumer complaint received 2022-08-17
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the Credit Reporting Agencies are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove the Following items : XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX OF XXXX XXXX Balance Owed : {$0.00}. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-06-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (IN)

I went into a COVID-related forbearance on my VA Loan during the approved period. I voluntarily ended the forbearance and began remaking regular payments. I never missed a single payment before or after the forbearance period until XX/XX/2022, when my lender PennyMac disabled my option to pay on-line and they proceeded to foreclose on my property. I have since tried to make payment unsuccessfully and am told I must sign a modification trial period. Per PennyMac 's records, they have tried to send me items through the traditional mail and they have been returned to them. I have spoke with my local post office and they have no indications of why there is a problem with mail delivery as I receive all other mail. I am not late on any other bills, as they are mailed to my house. Since XXXX, I have been told the documents that are needed are on-line in my portal. As of today, XX/XX/2022, they are not available. I have been trying to comply with whatever is needed since I became aware of the problem, but the lender is not willing to work with me.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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

Account Name : XXXX XXXX # XXXX - BALANCE {$0.00} Account Name : XXXX XXXX # XXXX - BALANCE {$0.00} Account Name : XXXX # XXXX - BALANCE {$6900.00} Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2016-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On the Trans Union credit report- XXXX XXXX XXXX has the " Rating Key '' listed as OK for as long as we were with them XX/XX/XXXX to XX/XX/XXXX. We closed this account XXXX/XXXX/XXXX. However, there is a statement " XXXX ; maximum delinquency of 120 days in XX/XX/XXXX ''. This statement is causing our insurance company to give is a less than favorable rate. 

The account was originally opened XX/XX/XXXX as XXXX XXXX XXXX. In XX/XX/XXXX they became XXXX XXXX XXXX. Since we closed our account XXXX XXXX XXXX is no longer in business. However as of XX/XX/XXXX active accounts are currently with XXXX XXXX XXXX at the same address as the obsolete XXXX XXXX XXXX, and using the same phone numbers. 

Because of all the sellouts/mergers, and the fact that ours is a closed account ; every time we file a dispute thru Trans Union, the request for XXXX XXXX XXXX verification is going to XXXX XXXX at the same address ; which has no record on our account. I have contacted XXXX XXXX as requested by Trans Union. XXXX XXXX has tried to help, but with no information they can not clear our Credit Report. only thing they can verify is that XXXX XXXX XXXX is no longer in business. 

Frustration and confusion- how can in 9 days of XX/XX/XXXX we acquire a 120 day delinquency as shown on our credit report for XXXX XXXX XXXX? How can I clear this discrepancy? Trans Union ( always a foreign speaking individual ) can only file a dispute - this puts us back into a loop!!!!
Consumer complaint received 2015-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

My name and the name of my deceased spouse initially appeared on our mortgage and when he died he did not leave a will and I discovered shortly after his death that my name was not stated on the mortgage with OCWEN. They refuse to give me any information connected to the mortgage and they keep sending me statements stating that I am in arrears of my mortgage and they have stated in writing that my monthly payments are no longer being applied to the mortgage, they are " putting them aside ''. I AM XXXX YEARS OF AGE AND XXXX BEYOND BELIEF!
Consumer complaint received 2016-11-28
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Paypal Holdings, Inc (CT)

Paypal Credit refuses to accept settlement offer of XXXX with payments of XXXX a month or XXXX, they request payments of XXXX or XXXX for XXXX months which they have been advised I can not afford. If I could afford such a high amount then account would not be past due, the account showed payments as high as this amount prior but could not afford such high payment. They claim to have offered arrangements prior but none included a settlement, this was discussed with Paypal reps but were uncooperative. I 've detailed all this info in previous complaints which are numerous and continue to grow. Paypal reps like to lie, hang up the phone, or are uncooperative. The first rep lied saying there was a cease and desist on the account, could not discuss account with me. There was no such thing ever placed on the account, no mention of it by any previous or subsequent reps.The rep lied so she did not have to take the call, could go home before closing time of XXXX PM EST. The reps I did speak with were advised there is fraud charges on the account from an Ashford.com which run into the thousands, do not have exact total available to me .Fraud claim was denied and still insist on payment. Another rep breathed into the phone, then hung up abruptly after I said hello several times. One of the last reps by the name of XXXX wanted XXXX or XXXX a month but again, I can not afford such a high amount. Their mention of any prior offers of payment arrangement is a moot point as they do not include any settlement portion and their reps have been rude, uncooperative in calls. Paypal fails to take into consideration fraud, which they have denied as a claim. Please advise them I have a counter offer of XXXX and they have until forever to accept it.
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I monitor my credit report frequently because I 'm trying to buy a house with my fiance. A week or more ago all of my inquiries from Transunion inquiries were removed then readded without a 5 day notice which I know is against the law. I have tried to call Transunion directly but no luck. If this matter get be resolved I would greatly appreciate it.
Consumer complaint received 2016-07-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (IL)

I filed bankruptcy in XXXX to re establish my credit after having XXXX where there were excessive hospital bills and I was laid off in XXXX from XXXX XXXX and could not recover. My intentions were to reestablish my credit with hopes of gaining credit worthiness. My mortgage was reaffirmed in the XXXX on XXXX XXXX and bankruptcy was discharged in XXXX of XXXX I just became aware that my mortgage company Flagstar Bank has not been reporting my monthly payments since XXXX and has the mortgage listed in the Bankruptcy which has affected my credit score and worthiness immensely. I am now on a mission to gain my worthiness and score back due to their horrible oversight. I have purchased XXXX vehicles in which the interest rates are extremely higher due to the negative impact as well as I have been denied several lines of credit, they have ruined my hopes at re establishing my credit. I now have several inquiries on the report for credit that I was denied for due to their mistake and oversight. I am paying higher car notes/ interest rates due to this oversight and as hard as I have been trying to reestablish myself this has held me down despite every mortgage payment being paid onetime via ACH every month and me also paying every other credit card and car note onetime. I am also spending several hours of time on the phone and internet trying to get this issue resolved and regain my worthiness so that I can move forward.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$9800.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - BALANCE {$130.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$460.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - BALANCE $ XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - BALANCE {$9700.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$690.00} - DATE OPENED XX/XX/XXXX Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 2023
Consumer complaint received 2016-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have an account on my credit report that does not belong to me. I disputed this with Transunion and they reported back 3 days later that it does belong to me. It usually takes up to 30 days which seems to me like they did n't even attempt to look into this. When I contacted the company XXXX XXXX via phone and chat they could not verify the account because they did not have my correct date of birth. I know that this is not my account and I want a complete investigation done and this to be removed asap.
Consumer complaint received 2022-08-16
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: Experian Information Solutions Inc. (AL)

Account Number XXXX XXXX XXXX Original Lender XXXX XXXX XXXX Original Balance {$3500.00} This account is being reported on my credit report as delinquent with a balance this account has been resolved yet it still appears on my credit report erroneously I wan this account removed from my credit report asap
Consumer complaint received 2016-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (SC)

Equifax has an inaccurate hard inquiry on my report from XX/XX/2016 for XXXX XXXX XXXX credit card. I have followed all instructions from Equifax, including submitting a police report and contacting XXXX XXXX XXXX and XXXX XXXX Credit card companies. I have made numerous contacts with all parties and have been assured this would be resolved - but it has not as of this morning! The information reported, when compared to my personal information, proves this information is not consistent with my information - nothing except my name matches any information!
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-08-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I attempted to obtain my free annual credit report online from Transunion but was notified that it was unavailable. It stated that I could fill out a form and mail it in to receive my credit report and so I did. I then received a letter from Transunion stating that they could not locate my credit report but I could provide them with proof of my identity, address, etc. and they would attempt to find my report. So, I mailed them copies of my drivers license, utility bill, social security card and birth certificate. Finally, they have sent me my report. Not only have they made me jump through numerous hoops and send them highly sensitive information which if it fell into the wrong hands would make my identity very easy to steal, they have provided information to my credit card company ( XXXX ) that has resulted in my FICO score to drop XXXX points when I access it through XXXX. However, I have no negative information on my credit to explain this massive drop in my FICO score. In fact, I have accessed my FICO score through my other credit card company ( XXXX ) and it shows no such drop in my score ( they rely on XXXX to access my information ). I feel that I have been unfairly treated by both Transunion and XXXX in that my FICO credit score has been adversely affected through no fault of my own.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My Trans Union credit report has an account on my report that is mine. The company reporting on my report is XXXX, and a collection agency, XXXX XXXX, referring to the same account. Neither of these accounts are mine, and I have no knowledge of these accounts nor do I reside at XXXX XXXX XXXX XXXX XXXX, TX XXXX. I have never resided at this address nor have I ever received mail at this address. I am requesting that any and all accounts associated with the above address, as well as these named accounts. I have asked numerous times for validation with my signature with no word from anyone, and all XXXX credit bureaus have said that they were already investigated and they were not going to keep investigating these accounts. Please do the right thing and delete these accounts from my report, as well as any and all accounts associated with the above address.
Consumer complaint received 2016-03-19
Product: Credit card — 
Issue: Advertising and marketing — 
Company: Paypal Holdings, Inc (GA)

I inadvertently responded to a XXXX " promotion '' online with an attached requirement to open a PayPal Credit account. I have received no services from XXXX and only an ongoing battle with PayPal Credit about the interest charges. 
Exasperated with both companies, I have reluctantly paid both charges -- the initial charge of {$170.00} and subsequent interest charges of {$26.00}. But I am appalled at the fraudulent behavior of these companies and wish to submit this complaint.
Consumer complaint received 2022-08-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (TX)

RE : Loan # XXXX I have sent NewRez several emails asking for an update on the completion of my assumption process. I have not heard back. 

On XX/XX/22 NewRez stated that the underwriting process was completed and loan approved. The timeline they provided to me says that once loan is approved the company has 30 days to complete the assumption. 

This means that all items related to the assumption should be finalized no later than XX/XX/22. I would like NewRez to confirm we are on target for an XX/XX/22 completion date and if not, please describe in detail why that is.