davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-26
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Onity Group Inc. (NY)

For almost 10 years now I have been fighting to clear my name with reference to a foreclosure action on a house located at XXXX XXXX XXXX, XXXX, NY XXXX and various other financial defaults related to a XXXX XXXX XXXX, a former occupant of this house. I have had to deal with collection agencies, utility companies, the XXXX, and over and over again, Deutsche Bank National Trust Company, who may or may not own the note for this home. My finances, my credit rating have been adversely affected, and to say this has been a nightmare would be the understatement of the century. Once again now I am being contacted by XXXX XXXX, a process server for the bank, there has already been one individual at the house trying to serve me papers, and it needs to end. I have spoken to an attorney about litigation of all parties concerned, but in the interim, this activity on the part of these creditors needs to cease. Not only is this continuing to be a financial burden on my, but the emotional and physical toll this is taking on me can not continue.
Consumer complaint received 2015-07-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (NJ)

I am a victim of JP Morgan Chase Credit Card Service fraudulent, erroneous, deceptive and misleading debt collection practice. Per the Consent order that JP Morgan Chase signed with the Consumer Financial Protection Bureau, I am requesting that chase remedy and remove all erroneous information from my credit file immediately and refund me the over {$6000.00} in payment that I erroneously paid to Chase. I have previously contacted Chase Credit Card Service to remove the fraudulent and erroneous credit card information from my credit file, however, Chase Credit Card Services has been constantly lying to me and telling that its information is correct even though Chase Credit Card Services knew that its record keeping information was false, misleading, erroneous and deceptive. This erroneous information by Chase Credit Card on my credit reporting is adversely affecting my ability in obtaining new credit and other negative implications. I am asking Chase to delete my entire credit file because it is erroneous and continues to adversely affect my ability to obtain new credit.
Consumer complaint received 2017-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (AZ)

I went to a school who preyed on their students and my legal information was illegally changed without my consent. I have been receiving calls by an unknown company that says I was going to a school that may have violated the law. When I called them back they hang up on me or do n't answer the call. 
XXXX phone number to the unknown company who asked me to call them because my school violated the law.
Consumer complaint received 2015-06-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (UT)

Had a XXXX mortgage through Ocwen Loan service which has paid off on the closing sale of my house XXXX/XXXX/2015. The Escrow balance has been released but a small overpayment of of {$130.00} still has not been released. I have called on this XXXX time and spoken with their customer representative who states they will get this processed, but now XXXX days past payoff and still has not been paid.
Consumer complaint received 2015-11-16
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (FL)

Ocwen has purposely delayed our Short Sale application which opened XXXX XXXX, 2015 and is still open as of XXXX XXXX, 2015 ( timeline attached with details ). We have signed there requested contracts twice and submitted our financial information twice. Due to there unethical delays we had to go thru a second home appraisal, sign and submit another set of documentation, go thru a second review by the PMI company and now it is costing my husband and I XXXX of dollars in CASH at the time of closing. This is all caused by Ocwen 's incompetence and unethical behavior of charging additional billable hours for the Short Sale process. Each time I speak to a Representative, they ca n't find the information we submitted and do n't know what 's going on. I make appointments with our Ocwen Home Retention Specialist, XXXX XXXX at XXXX but I do n't get a phone call and I do n't receive any messages. Please refer to attached document for detailed timeline and information.
Consumer complaint received 2016-08-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is violating the FCRA, ( SECTION 1681 i of 15 U.S.Code ) .Attached exhibit A says Transunion may add 15 days to the 30 day investigation period if the credit agency receives additional information from me during the 30 day period that is relevant to the investigation.Transunion did not receive any RELEVANT INFORMATION FROM ME DURING THE 30 DAY PERIOD.Exhibit B, a transunion response to the CFPB ADMITS that they exceeded 30 days, yet they mistakenly say '' I ADDED INFORMATION ON XXXX/XXXX/2016 '' WITHOUT IDENTIFYING IT.ON PHONE CALLS REGARDING THIS ISSUE TO TRANSUNION FRAUD AND SPECIAL SERVICES DEPARTMENTS, THEY SAY I STARTED ANOTHER INVESTIGATION ON XXXX/XXXX/16 BY PHONE BUT THIS OTHER INVESTIGATION HAS NO RELEVANCE TO THE FIRST PREMIER AND XXXX INVESTIGATIONS BEGUN TOGETHER ON XX/XX/2016.I DID ANOTHER INVESTIGATION BY PHONE ON XXXX/XXXX/2016 ON A TAX LIEN.EXHIBIT C is my phone log of both telephone calls to XXXX AT XXXX XXXX XXXX, TRANSUNIONS TELEPHONE LINE FOR DISPUTES.Exhibit D is the results of investigation and the new credit report created on XX/XX/2016.IT IS NOW UNLAWFUL FOR TRANSUNION TO REPORT THIS ACCOUNT for their own errors in economies of scale, computer errors or for whatever reason.MY RIGHTS ARE PROTECTED BY LAW BY THE FCRA AND THE CFPB WILL ENFORCE THAT LAW.SUFFICIENT EVIDENCE HAS BEEN SUPPLIED HERE TO PROVE THAT TRANSUNION HAS VIOLATED THE FCRA AND LIED TO ME AND THE CFPB IN CFPB XXXX ACCOUNT XXXX # XXXX MUST BE IMMEDIATELY DELETED ON THE NEXT UPDATE UPON RECEIPT OF THIS INFORMATION.
Consumer complaint received 2016-02-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

i have this collection on my report from Transunion and only Transunion its not mine. I sent them a letter asking for proof or some sort of account information. They sent back a letter saying verified. no proof given at all. Just XXXX work Verified. How? Who? They dont want to say, Please delete it asap.
Consumer complaint received 2015-07-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Transunion is reporting a misspelling of my name. They are also reporting that I am unemployed. I am employed full time. 

XXXX is reporting an address that I have never lived at. They are also listing me as being unemployed. I am employed full time.
Consumer complaint received 2015-11-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

This was a tax lien that has been paid and released. Documents were sent to all XXXX reporting agencies of the release of the lien, but the derogatory remark is still on my credit report, and Transunion XXXX refuse to remove it, after countless attempts on my part to have them do so.
Consumer complaint received 2016-10-18
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX ACCT # XXXX On XXXX XXXX, XXXX I contacted Capital One recovery department to check the status of an account I was disputing. Upon speaking to the several agents, I was transferred to a manager named XXXX/employee id # XXXX sometime between XXXX - XXXX EST. From there I requested that the manager provide me with the date the credit card was opened but I denied. I then ask the manager if he could provide me the address the account opened with but was denied. After several attempts over the line I was recording the manager stated that the card ending in XXXX was opened using my current address XXXX XXXX XXXX XXXX Fl, XXXX. Pursuant to the Fair Consumer Reporting Act ( FCRA ) sec. 623 ( a ) ( 8 ) - " Ability of consumer to dispute information directly with the furnisher i.e. ; " Capital One ''. At this time, I am requesting that a thorough investigation be made pursuant to the above mentioned FCRA rather then just a validation from your company without any real proven documents supporting this aforesaid validation. I am unaware of any business relationship or debt with your company, therefore I do dispute it. 

Your company is claiming a credit card had been opened in my name, I'am kindly requesting that you please produce the following documents to back up your " verification '' to the credit bureaus : 1 ) A copy of the signed application where I authorized the account under the address XXXX XXXX XXXX XXXX FL , XXXX that the manager said it was opened under. 
2 ) Copies of the authorized charges 3 ) Copies of any authorized terms of the agreement 4 ) Proof you have that the terms of agreement were in deed violated that has resulted in the reported negative alleged trade line. 
If unable to provide clear and all documentation of the above mentioned, I will then kindly ask in the removal of this account within your office and in the immediate removal within all XXXX of the credit bureaus. XX/XX/XXXX I did notice this account in i did file a affidavit with the police department but I did not further pursue it because my credit report was n't important to me at the time. 

I thank-you in advance for given this your upmost attention.
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX my credit report showed XXXX collections, on XX/XX/XXXX my credit report from transunion showed XXXX collections. The following day it updated to XXXX of the collections that were previously on there before it went to zero being re insterted. This is a violation of my rights and against the law to reinsert information without a 5 day notice. This never happened. I 've attached supporting documentation via XXXX my credit reports before the incident when it happened and after. reinserting them without writing a letter 5 days prior to reinserting them then they are breaking the law so they have to remove those collections and send an updated report
Consumer complaint received 2020-06-08
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: CITIBANK, N.A. (IL)

I am a cardholder of the Citibank double cash card. On XX/XX/XXXX of 2020, I was charged by my gym for my monthly membership covering the XXXX XXXX XXXX period in the amount of {$65.00}. The following week, my gym closed due to the coronavirus pandemic and subsequent Illinois stay at home order. As a result, the gym was unable to provide the agreed upon services. I had not attended the gym at any point prior to the closure due to virus concerns. I contacted the gym directly to reverse the charge with no response. 

On XX/XX/XXXX, I entered a dispute through Citibank ( XXXX ) on the basis of services not having been received and was issued a conditional credit in the amount of {$65.00}. Citibank claims to have emailed me requesting additional information on XX/XX/XXXX, however I did not receive an email at the address on file. I received a letter dated XX/XX/XXXX informing me that Citibank had reversed the conditional credit and closed its investigation after receiving additional information from the merchant. Citibank enclosed the evidence they used to deny my claim with their letter and demanded that I respond via mail if I would like to appeal the decision. 

Upon examination of the so called " evidence '', I immediately recognized that the information provided was not in any way related to my case! Citibank used membership contracts, gym usage information, and private agreements of OTHER citibank cardholders who belong to DIFFERENT gyms as the basis for denying my claim. I am now in possession of IDENTIFYING personal information of unrelated 3rd party consumers obtained from unrelated 3rd party merchant gyms ( addresses, phone numbers, names, ages, emails, etc ). The implication ( I would hope ) is that Citibank did not even care to review the information before sending it to me. At worst, it is a shocking example of fraudulent practices and a breach of consumer trust. 

I have contacted Citibank during normal operating hours and was connected to the dispute department. Citibank terminated the call before I had the opportunity to speak with someone. This behavior is unacceptable and must be resolved immediately.
Consumer complaint received 2016-07-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (NJ)

I had federal loans and they were sold to a group called Nelnet. Nelnet continually loses my paperwork. Every time I send them my paperwork ( and this is the third time ) it mysteriously vanishes. They send me an email or something in the mail telling me I have an outrageous amount of money due. I call them, fill out the paperwork again, and work out ( or, at least, I thought we had worked out ) a reasonable payment plan. I 'M POOR. I do n't make much money and want to pay my loans back. But Nelnet keeps pulling this - and they 've done it again! I 've sent them my tax information for the third time now and they told me they 'd put me in a payment plan around {$100.00} per month. They just sent me an email saying my next payment would be over {$2000.00}. This is obscene.
Consumer complaint received 2015-08-05
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Jon Barry and Associates, Inc. (TX)

Apparently, a XXXX debt for my daughter XXXX XXXX adult for which I have court appointed legal guardianship ) has been turned over to this collection company. I have been paying on this debt for over two years at the agreed amount of {$50.00} per month. The collector XXXX took my statement verbally as legal guardian. When told that I have a payment agreement with the debtor and had made payments perfectly, her attitude and statement was " come on sir, we are XXXX too old for these games ''. During the call, which was on my cell phone, the sound dropped for approximately 10 seconds, after which she became extremely beligerant and stated again " we 're too old for this ''. Basically, nothing was accomplished except her implying that I am not telling the truth. I told her when I got back home I could send her the payment records. After this call, I called her supervisor and he was less than agreeable to help. After hearing that I wanted to register a complaint, he said he could not discuss my daughter 's account without proof of legal guardianship. I have the letters from the court that I could forward to him. He all but hung up on me with again no resolution. Based on his actions, I now have another complaint against the company regarding discussing the information on my daughter 's account without proof of my court appointed guardianship. The first collector freely discussed the account based on my verbal statement. The second person said they could n't do that. So someone broke the law. I guess it is their choice as to who they want to determine violated the law ... the first person or the second person.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted XXXX XXXX  due to a fraudulent reporting on my credit as a charge off for this unknown account. XXXX XXXX  stated over the phone, I spoke with XXXX, stating how there is no accounts connected with my social security number so that means someone is reporting fraudulent information on my behalf. This is disastrous to my well-being and my future plans. I am in school trying to apply for a new apartment and I was denied due to incorrect information reporting through XXXX.
Consumer complaint received 2015-07-24
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (TX)

Chase has consistently reported a credit card account for me that is not mine. They have sent it to collections and received a judgment for the monies even though my repeated requests for them to send me a copy of the signed card agreement has not been met. I had XXXX signature loan with Chase back in 2007 which has been paid. I had no other accounts with them.
Consumer complaint received 2016-01-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC. (IL)

I was perusing the Ally Bank website tonight to see if they were offering higher deposit account rates than what I'mean currently earning. In several locations you 're given the option of comparing their rate to other banks ' rates. Every time I elected to see " other banks ' '' rates, it listed only XXXX - the bank I currently use! I had n't provided them with that information. They clearly did n't feel they had to hide the fact that they had obtained my private financial information. I feel violated and outraged.
Consumer complaint received 2015-05-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: HARBORONE MORTGAGE, LLC (MA)

Hello, I requested a per-approval letter from XXXX mortgage to buy a home. XXXX Mortage lender XXXX XXXX, pull my credit history without my approval. he told me that he can not issue a pre-approval because he did not have my XXXX forms for the past years. i said my accountant is on vacation and i can not current get them. i asked him to withdraw my application. However XXXX XXXX pulled my credit history and that damaged my credit.
Consumer complaint received 2017-03-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I called Transunion twice now about their inquiry issue and the rep XXXX XXXX told me he was unable to comment on XXXX and the inquiry issue that I needed to refresh my browser. I put a freeze on my credit because I did n't know what was going on and i called them again to report this and their Customer Service would not help and take care of the negative inquiries reporting to your credit report.
Consumer complaint received 2016-09-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am making formal complaint against TransUnion and XXXX Credit Reporting. 
I have paid XXXX XXXX Bank in full and I requested for these Credit Reporting Agencies to delete XXXX XXXX Bank off my Credit Report and they have refused believing XXXX XXXX Bank that I still owe them {$260.00}. I owe XXXX XXXX Bank nothing. I was a good customer and paid my credit card bill in full every month and than XXXX XXXX Bank came up with a bogus Idea of Fraudulent Activity on my account and suspended the account untill I could prove the account was mine. XXXX XXXX Bank was n't making any money in interest on my account so therefore they want to get rid of my business. I want an investigation into XXXX and TransUnion Reporting Agencies and also XXXX XXXX Bank.
Consumer complaint received 2015-07-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

Back in 2009, Chase Bank failed to correctly instruct me on how a reaffirmation agreement was to be filed. This has lead to my continued on-time payments to Chase not being reported to the credit bureau thus making me an unlikely candidate to refinance with them to receive a lower mortgage rate. I have been diligently working trying to resolve the Non-Reporting issue with Chase. Unfortunately Chase did not inform me back in 2009 how I was to correctly proceed with asking for a re-affirmation agreement. Thus, Chase is not able to ever report my payment history to the credit bureau. 
I have spoken with many individuals in the Chase Escalations Department only to circle back to the fact that they ca n't do anything for me. Escalations says to speak to the " Loan Manager '' and the loan manager says to speak with the " Bankruptcy Department '' and the bankruptcy department says to speak with the " Escalations Department ''. At this point, it seems that Chase is unwilling to help with our situation even though many mistakes were made on their part. 
My only goal was to refinance with Chase at a lower mortgage rate and obtain extra funds to pay off a personal debt. I believe we have enough equity in our house now that we would qualify. 
I am not sure if we can move forward from here or if upper management can give some kind of approval. I will email the Consumer Financial Protection Bureau to see if they can provide assistance. It is very frustrating being that I am a responsible customer that makes on-time payments and have been throughout my loan history. 
If you have any information you can provide, it would be greatly appreciated. 
Thanks. 
XXXX XXXX
Consumer complaint received 2015-09-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (CO)

In XX/XX/XXXX I purchased a XX/XX/XXXX XXXX XXXX, and received a loan with Ally Auto. On XX/XX/XXXX I had it refinanced with XXXX XXXX XXXX XXXX. They sent an overnight payoff which The credit union has confirmation that Ally received it on the XXXX. of XXXX, Ally never posted it. Since then Ally has harassed me with phone calls on late payments. My Credit Union voided that check and sent them a new one, and straightened it out with them we thought. Now there saying my loan was n't paid off till XXXX and I stillowe a balance. They have destroyed my credit since. They are still calling me, I wentback to the XXXX XXXX XXXX on XX/XX/XXXX she called them while I was still in her office no one knew anything about it, and said they would have to investigate it. I do n't know where to go next for help. All I did was refinance my car and its been a nightmare ever since
Consumer complaint received 2021-03-18
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. (PA)

I previously asked the credit bureaus for a investigation on account that was fraudulent opened in my name the company was sent a letter for validation of my debt company never responded I also wasn't given anything about the results of my dispute I have proof I sent numerous certified receipts. I sent proof of my identity and my FTC report and now this is my next step before I file a law suit. I will be submitting ALL my proof thanks again.