davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (FL)

I'VE SENT LETTERS TO XXXX XXXX ASKING FOR DEBT VALIDATION INFO, THE WET INK SIGNATURES THAT BINDS BOTH PARTIES TOGETHER IN THIS CONTRACT BY CERTIFIED MAIL, EQUAL CONSIDERATION ( SHOWING THAT THEY PUT UP THE MONEY THAT WAS LOANED TO ME FOR THIS MORTGAGE. FULL DISCLOSURE THAT I WAS THE ACTUAL PERSON FUNDING THE MORTGAGE. IT IS MY UNDERSTANDING THAT MY SECURITY COLLATERAL IS OWED SECURITY INTEREST THAT PHH IS REFUSING TO PAY IN THE FORM OF SETOFF OF MY MORTGAGE PAYMENTS PER XXXX SECTION 16- PART 1 AND 2, AS DESCRIBED IN NOTE ISSUES, SECTION 29 AS IT PERTAINS TO CIVIL MONEY. IT IS APPARENT TO ME THAT PHH, XXXX AND XXXX IS COMMITTING SECURITY FRAUD AND HAS BREACHED THE CONTRACT. I DO INTEND TO EXPOSE THIS FRAUD AND PURSUE ANY AND ALL LEGAL RAMIFICATIONS WITHIN MY POWER I TRUSTED THAT GOOD FAITH WAS BEING PRACTICED AT THIS INTIAL CONTRACT SIGNING BUT I CAN CLEARLY SEE THE DECEPTIVE AND PREDATORY PRACTICES THAT PHH ARE ENGAGING IN. I HAVE WRITTEN XXXX XXXX CLAIMING ALL TITLES, RIGHTS AND EQUITABLE INTEREST. I SHOULD HOPE THAT THIS COMPLAINT WILL FORCE PHH AND ALL AFILLIATE COMPANIES CONCERNING THIS MORTGAGE TO FOLLOW THE LAW GOING FORWARD.
Consumer complaint received 2023-03-18
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. (WI)

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, Account # XXXX, Account # 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 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 2023-03-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX doing business under Dovenmuehle Mortgage is trying to defraud us out of our money with a Property Inspection Fee charge of {$20.00}. We have never had anyone enter our home and do a property inspection. Also, the Late Charge Assessment we paid in the amount of {$44.00} is not for us being late on our {$970.00} mortgage loan. It was accessed because XXXX of XXXXXXXX XXXX failed to inform us by not communicating that our escrow account had a shortage. They had ample time from XX/XX/2022, through XX/XX/2022, to call or email us about adding money to the escrow account, which they never did. We have had the same lines of communication since first contacting XXXX of XXXXXXXX XXXX XXXX XXXXXXXX when we began our application for refinancing. This company has deliberately recorded and credited our mortgage payments as being unapplied and late and in default. In XX/XX/2022, we sent a signed written request by both borrowers to " Waive Our Escrow Account '' with XXXX  of XXXX, XXXX per their written request. They are not at all late or missed monthly at all. We have never missed or been late with a mortgage payment whatsoever. If the payment is received after the XXXX of the month, it is considered late and a late fee of {$45.00} will be charged, it is written on the mortgage statement. We never asked or requested any property inspection.
Consumer complaint received 2023-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One continues to charge mean " Interest Fee '' for XXXX and XX/XX/2023. I called regarding this fee and the representative explained the credit card company carried forward interest from XX/XX/2023. I have an excellent payment history and pay the statement in full each month. I expressed my due diligence to this recent matter and as an accountant noted how confusing it's billing statement is. My new balance is {$36.00} including the interest charge. I have called three times to correct this error after making two payments in XXXX of $ XXXX and was still charged. I expressed my concern over this business practice and will not be taken advantage of this credit card company for making all my payments in full. I was a loyal consumer to this company even paying off my car loan several years back. I do not trust Capital One as an entity any longer. Capital One has no integrity.
Consumer complaint received 2023-03-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-18
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sunbit, Inc. (MS)

There is a discrepancy of late payments shown on my credit report with XXXX. 

According to my credit report, my SUNBIT ( account no : XXXX ) was 60 days late : 30 days as of XX/XX/XXXX and 60 days as of XX/XX/XXXX. 

However, on the company 's website, I was never late. I actually paid off the balance in XX/XX/XXXX.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

The address XXXX XXXX  is inaccurately reporting on my credit profile which is a violation of my consumer rights. The correct address, attached, is not on my profile. This needs to be removed as soon as possible.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : Experian 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 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 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 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 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
Consumer complaint received 2017-10-10
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. (NY)

I have tried to contact Experian, XXXX, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. Experian, XXXX, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying Experian, XXXX, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX Acct # : XXXX
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Riverwalk Financial Corporation (WA)

I found an entry on my credit report with XXXX that claimed a collection report by XXXX XXXX XXXX XXXX owed to XXXX Colleges in the amount of {$130.00}. The date opened was XXXX/XXXX/XXXX. This does not make any sense since I have never owed XXXX XXXX any money and even if I did, no attempt was made to collect in the first place. 

I disputed this with XXXX but they would not remove it. XXXX XXXX is of no help since they will not even talk to me. I feel that based on the history of XXXX and the fact they are unresponsive to this fraudulent claim, this item needs to be removed from my credit report. Thank you.
Consumer complaint received 2023-11-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NC)

I recently received a phone call from Paypal explaining that my funds were not with Paypal. I also received a letter explaining why my I never received my refund. The letter stated that it was because I did a chargeback on the issued refund, which is not true as I did not have access to this card due to it being closed more than a month before the refund was issued. I began a claim with XXXX XXXX and they told me that although they did receive the refund on XX/XX/2023, they sent it back because they don't keep money for closed accounts. On XX/XX/2023 they sent the money back to Paypal, the reference number for this return is XXXX XXXX.
Consumer complaint received 2023-03-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (AK)

I have been calling trying to fix this problem since late XXXX to no avail. They didn't offer us any solutions, was kept on hold for hours sometimes all day only to talk to a different person who had no idea and usually where very unprofessional and rude. No one told us we could ask for assistance under the cares act or that we had options they just sent back a payment to XXXX XXXX who is not on the loan nor is she an authorized user. They sent that payment to XXXX my estranged husband in XXXX yet claim they do not believe he isn't at the home address which is in XXXX ( he never lived here ) They finally agreed to ask for a modification package after I requested assistance under the cares act for over a month. They should have put a hold on the foreclosure at that point but didn't XXXX continued to dual track and still are. They have requested more than 200 documents that we have paid for software to send and ultimately paid to fax in because after 5 times of email specialized pdf files they claim there are still documents missing or in the wrong format. XXXX would expect that if a document is missing or in the wrong format that someone would contact you to let you know. They did not! I have called in almost daily while working a full time job and raising boys this company has been so difficult and unforthcoming withholding information that we didn't even find out about the foreclosure until a notice of default was posted on our door! They asked for the title deed that has my name on it saying they would do a successor in interest, they then claim they can not do that because XXXX ad I aren't legally divorced. Fine so now they have asked for our marriage license and a hand written document adding, me to the interest in the property which I already had in the form of the title deed! They asked for that document in XXXX, which we provided in multiple formats they then said that they would not put the foreclosure on hold until after the underwriter review ( dual tracking ) this is now 3 times we have been told they will find all of the programs we qualify for and will do 1 of them as it is a law under the cares act and yet there is no hold on the foreclosure the underwriters are still not reviewing anything they are still dual tracking and are trying to auction off our home that we have been trying unsuccessfully to make a payment on because they won't take a payment of any kind they have blocked access to the website and app. they have no answers and apparently none of the call center workers understand the law, or the cares act or the updated cares act passed in XXXX as they have all told me I am wrong and that I do not have any rights or knowledge about the cares act, however the attorney we are attempting to hire seems to think I do know what I am asking for. by the time he can get it into court however they will have taken our home in the middle of the XXXX  in Alaska at that
Consumer complaint received 2023-03-18
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: EQUIFAX, INC. (MO)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 {$560.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1100.00} 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-18
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: Experian Information Solutions Inc. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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.
Consumer complaint received 2023-03-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am a victim of identity theft. My credit report is being compromised with fraudulent account information as a result of the identity theft. This information is being furnished to and reported by XXXX XXXX, Experian, and XXXX. It is not fair nor equitable that I am suffering from information that does not belong to me. I am entitled to a credit report that is fair and equitable to me at all times. Unfortunately, this matter has compromised my faith.
Consumer complaint received 2017-10-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I opened a Bank of America checking account XXXX XXXX with a promotional offer of earn {$300.00} after direct deposits totaling {$4000.00}. I directed by tax refund and employer direct deposit into the account during the promotional period totaling over {$4000.00}. 

I called in a few months after and a BofA representative assured me that all the requirements were met and that I simply had to wait for the bonus to be deposited to my account. 

In XXXX XXXX I had still not received the bonus so I called in, at which point BofA XXXX informed me that I was denied the bonus due to my tax refund not being considered a direct deposit. There was nothing in the fine print that excluded the tax refund from qualifying.
Consumer complaint received 2017-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

Our insurance company fax proof of insurance to Ocwen 7 times in the last 6 weeks they just placed Force insurance and took {$1400.00} out of our escrow account I do n't know what else to do to prove to these people we have insurance