davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

The same exact thing happened that happened to me for 6 months last winter, finally resolved with your help XX/XX/XXXX ..... 

I attempted a balance transfer payment in XXXX of XXXX to help pay down my home equity line of credit. The payment shows as PAID on my Capital One card statement, dated XX/XX/XXXX ( {$1500.00} + {$45.00} fee ), yet the balance remains UNCHANGED on the home equity loan which the payment was intended to pay-down. 

Capital One is using the exact same verbiage they used last XXXX, blaming XXXX for the error. Saying I haven't waited long enough. Saying it was a paper check that must have gotten lost. Saying they canceled the transaction, but I need to wait XXXX business days ; but then I called back to make sure the transaction shows as cancelled and they started repeating the same jargon they tried on me last winter. Exactly the same script. 

THIS IS FLAT OUT FRAUD - ESPECIALLY SINCE IT HAS HAPPENED TWICE IN A ROW!
Consumer complaint received 2023-07-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

My home mortgage was with OCWEN FINANCIAL CORPORATION. I had difficulty keeping up with my mortgage payment as the property 's value decreased than the mortgage amount. Besides, I lost my job, and tenants stopped paying rent. 

In XXXX, right before the pandemic, I applied for a short sale, and OCWEN approved it. But due to the pandemic, the buyer failed to proceed as everything was closed. A legitimate buyer is now ready, and I applied for a short sale. I have submitted everything to the mortgage bank OCWEN a.k.a. PHH, through HANS-ON REAL ESTATE, LLC. OCWEN, a.k.a. PHH, appraised the property more than once and did XXXX more than once. Finally, OCWEN, a.k.a. denied my short sale application stating that CFPB denied my application, which is beyond my understanding. 

I asked OCWEN, a.k.a. PHH, for loan modification first or short sale. The property at XXXX XXXX XXXX, XXXX, NY XXXX XXXX is my primary residence. I need help.
Consumer complaint received 2023-05-02
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. (PA)

I am writing this complaint to TransUnion. I already informed them of the reasons why I was late in my payment and sent them the proof but they are ignoring it and I also sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction
Consumer complaint received 2023-05-11
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. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$490.00} ; XXXX/XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$6000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$590.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$7100.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$920.00}. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-07-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MS)

I established an account with Coinbase several years ago and established their two-factor verification system in my cellphone. Later, when I upgraded to a new phone, the verification system stopped working and, since then, I have been locked out of my account. I have communicated with them numerous times and received detailed instructions about sending pictures of my ID and face but nothing has worked. I am completely locked out of my account and fear I have lost my investment.
Consumer complaint received 2023-07-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation (TX)

I went online to my personal checking account and I noticed that SWBC Mortgage accessed my checking account and withdrew my mortgage payment without my authority. 
I never let company 's auto draft on my account, and I have always submitted the payment manually. 
I called SWBC mortgage and they said I gave them authority to withdraw my mortgage from my account through an autodialer ( Robo call ). That's complete XXXX 
I said if you have the recording of the call with me giving you permission let me hear it. Of course they couldn't do it, because it never happened. 
It's a crime to access anyone 's personal bank account without that person 's permission and I'm sure its a felony to misrepresent themselves for payment. 
I spoke to XXXX XXXX and I asked them why they let someone without authority access my account. 
On XXXXXXXX XXXX XXXXXXXX weekend, I received a fraud alert on my account and I called XXXX XXXX and they are investigating it. When I hear back from XXXX XXXX I will know whether the fraud alert was triggered from SWBC Mortgage. 
I had to cancel my debit card during the weekend. 

Please get back in touch with me as soon as possible, this horribly upsetting to me. How in the world could anyone access my personal checking account without permission. 

XXXX XXXX XXXX
Consumer complaint received 2023-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

My mortgage payment went up on XX/XX/23 from roughly {$1100.00} to {$1400.00}. They stated that this is due to my escrow being short. My escrow account is {$600.00} short. My mortgage without escrow is {$700.00}. They have increased my escrow from {$400.00} to {$730.00}. My annual taxes and insurance for my escrow is {$4900.00}. The escrow monthly increase would be a total of {$8800.00} for the year.
Consumer complaint received 2023-07-07
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: EQUIFAX, INC. (GA)

I am writing this letter to dispute the inaccurate reporting of a charge-off account, XXXX XXXX Account XXXX XXXX, which is negatively impacting my creditworthiness and violating my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit reports from both XXXX and Equifax, I discovered that the reported dates of last activity differ, with XXXX stating XX/XX/2020 and Equifax stating XX/XX/2020. Such conflicting information raises serious concerns about the accuracy and reliability of the reporting. Furthermore, I have reason to believe that the furnisher of this information, XXXX XXXX, is an unreliable source. Under 15 USC 1681 ( e ) ( b ) of the FCRA, consumer reporting agencies are required to ensure the maximum possible accuracy of the information contained in consumer reports. In addition, under 15 USC 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the completeness or accuracy of any information provided by a consumer reporting agency, the agency must promptly investigate the dispute and, if necessary, modify or delete the information accordingly.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX ACCOUNT NUMBER XXXX OPENED XX/XX/XXXX XXXX XXXX  Account number XXXX OPENED XXXX XXXX XXXXXXXXXXXX XXXX ACCOUNT NUMBER XXXX OPENED XX/XX/XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX OPENED XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  ACCOUNT NUMEBER XXXX ... OPENED XXXX  You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. I have also filed a complaint with the CFPB Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN # XXXX DATE OF BIRTH XX/XX/XXXX
Consumer complaint received 2016-01-06
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I repaid a loan to ACE Cash Express in 2011, I have not heard anything from them until today, they called me to inform me that their records shows that I have not re-paid the 2011 loan. They say that they have been trying to contact me about this but I have not received anything ( no mail/ no calls ) until today. I did not save my receipt but I know for sure that I re-paid this loan and I am not being credit for it. Please assist me with dealing with this Company that is now threatening me, Thank you in XXXX.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX ACCOUNT NUMBER XXXX OPENED XX/XX/XXXX XXXX XXXX  Account number XXXX OPENED XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX ACCOUNT NUMBER XXXX OPENED XXXX XXXX XXXX  ACCOUNT NUMBER XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMEBER XXXX ... OPENED XXXX   You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. I have also filed a complaint with the CFPB Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN # XXXX DATE OF BIRTH XX/XX/XXXX
Consumer complaint received 2023-05-11
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. (OH)

Dear Consumer Financial Protection Bureau, I am writing to request your assistance in deleting fraudulent accounts from my credit report. After reviewing my credit reports from the three major bureaus ( XXXX, XXXX, and TransUnion ), I noticed the presence of three fraudulent accounts which have severely impacted my credit score. 

The fraudulent accounts are as follows : XXXX  - XXXX - XX/XX/XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX - XXXX - XX/XX/XXXX I have reason to believe that these accounts were opened fraudulently without my knowledge or consent. I have never had a credit card with XXXX XXXX or XXXX XXXX XXXX XXXX, and I have never authorized anyone else to open accounts on my behalf. 

I firmly believe that I am a victim of identity theft, as I have always exercised utmost caution in safeguarding my personal information. However, despite my best efforts, I have fallen victim to this sophisticated scheme. The perpetrators have evidently manipulated and altered my personal information to create these fraudulent accounts, which is why I had not noticed them until now. 

As a result, my credit score has been negatively impacted, and I have been denied credit and other financial services. This has caused significant stress and hardship in my life. 

I am aware that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or fraudulent information on my credit report. I am also aware that the FCRA requires credit reporting agencies to investigate and correct any errors or inaccuracies within 30 days of receiving a dispute. 

Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate these fraudulent accounts and require the credit reporting agencies to delete them from my credit report. I also request that you take any necessary legal action against the individuals or entities responsible for opening these accounts fraudulently. 

I appreciate your attention to this matter and look forward to hearing from you soon. Please do not hesitate to contact me if you require any further information or documentation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-02
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 — Problem with personal statement of dispute
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (IL)

I have 2 Service Loan Providers for my Student loans. On XX/XX/2023, I received an email from U.S. Department of Education regarding " Approval of Your Borrower Defense Case Under Exhibit C of the Sweet v. Cardona Settlement ''. This letter indicated the discharge of my loans from XXXX XXXX, Refund of payments made, and delete credit report associated with loans. It also stated my loans with fall under a forbearance for the duration until discharge of loans were completed. 
I had contacted XXXX which they assured me they would handle everything else and there wasn't anything for me to do. XXXX had done a great job on honoring the request. 
I had contacted Aspire LLC and they were an entire opposite of the type of response and treatment. They had told me they could not honor my statement. I emailed them the letter received from Department of Education and still they could not honor that either. About a week later, I get a notification from my credit reports that I had gone down about 70 points. I had called Aspire to see my status and they put my account as 4 late payments on 2 accounts. I tried to explain that I had been talking to them for weeks and not one mention this was going to occur. I had thought my account was in some forbearance but it wasn't. After speaking with another representative, they had finally put my accounts on a 90 day hold until entire Borrower 's case goes through. I don't understand why this wasn't done in the first place. I am now 70+ points lower on my credit report. I have worked very on getting where my score/points had been and this just sets me back even further. I am in the process of moving and trying to find another place. This low score definitely is affecting my ability to get a decent place with lower cost. This also puts my job at risk because I work with the U.S. government and having a low credit score can be deem a risk. 
I understand these loan and credit score will eventually be wiped out and disappear but as of today when I need whatever score I can get for my credit, the help I need isn't there. 
I believe the company Aspire LLC decided to report my account on the basis of retaliation. It wasn't until I reported about the Borrower 's case that my status drastically changed. Please help resolve this issue. Thank you
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (PA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX 

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.
Consumer complaint received 2015-07-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (TN)

I filed a complaint against Pinnacle Credit Services complaint # XXXX about 2 weeks ago, and this complaint has yet to be satisfied or resolved. This company is having difficulty providing accurate information on this debt., and have not been able to locate the debt by my NAME. Waiting more than the time which was allowed, is unacceptable.
Consumer complaint received 2023-07-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CO)

I was just trying to transfer my money in my savings account with Citi back to the checking account I have with XXXX since they were giving me major headaches in terms of being able to even access MY VERY OWN MONEY. I started by trying to transfer {$10000.00} ( the max daily amount ) back, but I was met with the same old " transaction blocked '' and that I have to call their number at XXXX. This same process has been going on for weeks. I try to transfer money, I call to have the transfer go through, they put me on hold to transfer me to another department, the block gets lifted, I try to transfer it again because they say it should be all good, and back to the very start where my transfer gets blocked and I have to call again. I tried to get it resolved with the citi executive response unit originally at phone number XXXX where I was able to open up a case with them, but they told me to just follow instructions I got from a letter in the mail. Even after doing that, it just started me back on the cycle again. I need this money now more than ever now that my grandmother in the XXXX has died this past weekend, and I fear I will never be able to get MY money back in a timely manner to be able to help with my family there, not to mention being able to keep up with my own monthly payments as a young, newly XXXX, unemployed XXXX old that is not making a lot of money. I have had to put my life on hold because I can not use this money to invest into my education further. Nothing I do with citi 's phone numbers and teams leads to anything helpful, and I am absolutely sick of having to deal with them. I just want the {$25000.00} from my savings account with them out and back with XXXX.
Consumer complaint received 2016-12-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (IL)

I refinanced in XX/XX/XXXX No payment in XX/XX/XXXX. My payments from XX/XX/XXXX through XX/XX/XXXX was {$930.00}. THEN I received a Annual Escrow report that said my payment for XX/XX/XXXX would start {$900.00}, I paid that amount ALL through XX/XX/XXXX. I THEN received a NEW Annual Escrow report that says my payment starting XX/XX/XXXX through XX/XX/XXXX will be {$950.00} ( which is HIGHER then my refinance agreement WITHOUT my Insurance OR Taxes going up )?? When I called to ask them WHY it was going up, I had talked to like XXXX different people that could n't give me an answer. I finally talked to a supervisor that said it was because my PMI went up and sent me then to a PMI XXXX, XXXX notes will be attached of the people that I talked with ). I was then told that my PMI was paid BY them during XX/XX/XXXX and now I had to pay them back for XX/XX/XXXX and also then pay monthly different for XX/XX/XXXX. My insurance and taxes DID NOT raise, they said that the know that and it was all due to PMI. They told me if I did n't like it to file a complaint with you guys. I talked to a few different Mortgage brokers and THEY ALL told me the same thing, " that my PMI CAN NOT go up. '' because of a RESPA guidelines. They could not believe that Nationstar was so rude to me and not helpful, and then told me to file a complaint with you guys. Please help me figure this out and fix it so that they do not continue to try to do this kind of wrong with others. I have all kinds of documents that will be attached to this complaint to hopefully help someone figure out an answer for me.
Consumer complaint received 2023-07-07
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. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance : {$67000.00} ; XXXX XXXX XXXX Balance : {$26000.00}.