davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

On XXXX XXXX, 2017, XXXX XXXX XXXX provided a renewal offer of our homeowners insurance policy. THE BILL CLEARLY SHOWS {$2700.00} AS DUE TO PAY IN FULL. On XX/XX/XXXX, Ocwen deducted {$2900.00} form our escrow account for Ins Disbursement : XXXX XXXX XXXX. SAID PAYMENT BEING {$140.00} IN EXCESS OF THE AMOUNT DUE & SHOWS NOWHERE ON THE BILLING STATEMENT. We contacted Ocwen by telephone on XXXX XXXX 2017 and was told that they did not know the payment was {$2900.00}. The rep even went so far as to tell us that the amount due according to their computer system was {$2700.00} but that it did show a payment was made on XX/XX/XXXX in the amount of {$2900.00}. The rep assured me that the Insurance company would issue a refund & that if sent to them they would credit it back to the escrow, however, if it was sent to us we needed to forwarded it to Ocwen to be returned to the Escrow account. I informed the rep that I did not recall seeing that requirement in our mortgage agreement that we must return to Ocwen refunds from over payments that are their error. He was insistent that since it came out of the Escrow Account it must be returned to the Escrow Account. Following the phone conversation we wrote Ocwen Insurance Department & the Ocwen Consumer Advocate/Ombudsman concerning this overpayment. WE SIMPLY ASKED TO BE PROVIDED WITH A WRITTEN EXPLAINATION OF WHY THEY PAID {$140.00} MORE THAN WAS DUE, HOW THEY CAME UP WITH {$2900.00} DUE WHEN IT IS CLEARLY PRINTED ON THE BILL THAT ONLY {$2700.00} WAS DUE. Today, XX/XX/XXXX, Ocwen called & left a voice mail stating that they had spoken with our insurance agent and that a refund would be issued and sent to us as the insured. We were once again advised that we need to forward that to Ocwen to be returned to the Escrow Account. WE ARE STILL WAITING FOR AN EXPLANATION OF THE ERROR HOW THEY CAME TO PAY MORE THAN WHAT WAS CLEARLY SPECIFIED AS DUE. This is NOT the 1st error that Ocwen has made with our Escrow Account. We are still missing {$42.00} from an over payment Ocwen made to the county in XX/XX/XXXX -- the bill clearly stating 1 amount & Ocwen deducting a greater amount from our Escrow with no refund or credit having been received 8 months later. We are aware that Ocwen was sued in XXXX 2017 in part due to error in managing Escrow Accounts .... & we have long held suspicions over some of their escrow practices. Clearly, getting sued last XX/XX/XXXX has had ZERO effect on their practices today as this error mimics many of the errors that resulted in CFPB filing suit against them!
Consumer complaint received 2022-05-31
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. (TX)

Hi my name is XXXX XXXX. I have never done business with XXXX  XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXXXXXX XXXX and myself! Please send the proper validation
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NY)

My flight on XXXX XX/XX/XXXX was delay due to weather. According to American Express - XXXX XXXX, I'm entitled to trip delay and cancelled benefits. Then a claim No. XXXX with XXXX. However, XXXX rejected my claim stating " 2 claims per Eligible Card per 12 consecutive month period '', because I had a claim in XX/XX/XXXX, hence the claim was rejected. However, the term of Trip Delay Insurance does NOT state when the 12 consecutive month period starts. XXXX adjuster stated that 12 consecutive month period is the start of first incident occurred. Insurance company can't just cite new terms or adding non existing terms after we signed up for our card, and worse after incidents occurred. I requested the claim to be escalated and dispute for the claim. However, XXXX 's adjuster XXXX refused.
Consumer complaint received 2024-03-31
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: LEXISNEXIS (MN)

Lexis Nexis is illegally reporting nonpublic private information I never gave them consent to report on my consumer report in accordance to the requirements of the GLBA. I have officially filed a fraud report with the FTC to have XXXX XXXX XXXX. By law XXXX XXXX and or the credit reporting agencies are to block this information within 4 days from receipt of this notice. If this information is not deleted within 4 days I will be moving forward with filing a lawsuit.
Consumer complaint received 2022-05-31
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)

Hi my name is XXXX XXXX. I have never done business with XXXX XXXXXXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXXXXXXXXXX XXXX. I have the right to demand and see the contract between XXXX XXXXXXXX XXXX and myself! Please send the proper validation
Consumer complaint received 2022-05-31
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: Experian Information Solutions Inc. (TX)

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX  neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX and myself! Please send the proper validation
Consumer complaint received 2022-05-31
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. (TX)

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX  and myself! Please send the proper validation
Consumer complaint received 2022-12-18
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. (NY)

Hello, Good Afternoon, When reviewing my credit report, I saw that an installment loan was Opened up in my name XXXX XXXX. I then decided to call the company XXXX XXXX XXXX To get this taken care of because I have been a victim of identity theft. Before I could state the case, the guy on the phone accused me of opening the account because payments were made to the account. I was explaining to the guy that wasn't by me, and I didn't authorize anything. I then provided him with a police report by the XXXX Police, an ID theft Affidavit, proof of identity, an FTC report, and a dispute letter to the company. I sent all the documents to XXXX. He then proceeded to send me an agreement that I didn't authorize, then after all the documents I provided, he said that the account belonged to me.
Consumer complaint received 2022-12-18
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. (SC)

In accordance with The Fair credit reporting act the list of accounts below has violated my federal protected consumers rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX  XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (WA)

They call twice each day and only let the phone ring twice/disconnect when I attempt to answer ( from numerous lines with a XXXX area code ). I do not have any outstanding debts so these calls are either intended for the person that previously had my number or are an attempt to illegally collect funds/a bogus debt. I've filed multiple complaints with donotcall.gov and am on the do not call list. 

My cell phone number was recently " spoofed '' and I believe this disreputable company ( Diversified Consulting, according to an internet search ) was responsible since it happened at the same time these calls started. Since they don't know who I am and they're working a scam, I'm unwilling to provide any identifying info beyond the phone number they're already abusing ( and which will need to be changed if this continues ).
Consumer complaint received 2019-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

Re : Account/Credit Card/Reference Number : XXXX Portfolio Recovery Associates in his private capacity Thank you for your recent contact dated : XX/XX/XXXX. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I submitted a dispute to update my address on my credit report on XXXX. In my request I asked that the delete all personal identifiable information from my consumer credit report with the exception of the following : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Within the dispute I included all identifiable information such as utility the bill and my drivers license I received a letter from Transunion date XX/XX/2022 asking me for the same information that I sent in.
Consumer complaint received 2022-05-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Rushmore has conducted unlawful and unethical acts against my family and my property. I have tried to resolve the issues with them and I have even completed successful trial payment plans and payments but Rushmore has failed to be truthful or to honor their promises. They only want to foreclose despite the fact that this has been our family property for more than 30 years without a missed payment. Again, Rushmore has lied repeatedly and they refuse to treat us fairly or to comply with the law. Additionally, they have caused us not to be able to receive help through the mortgage relief program due to their inaccurate record keeping and they refuse to offer us the same options as all other homeowners through the provisions that Covid has extended via the government.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

the following inquires were not authorized sent letter out on XX/XX/XXXX never got a response back from the bureaus, transunion, XXXX  or XXXX. 


1. never gave authorization XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. never gave authorization XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. never gave authorization XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12.The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

13.The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I called both Capital One Venture with a XXXX balance and they said they reported the credit correctly and XXXX should have updated it. 

On XX/XX/XXXX I called XXXX and spoke to XXXX XXXX and he said it was still showing XXXX. He would reach out to them. 

I am working on a loan and can't get anyone to provide correct information. 
I am going to get an attorney now involved with both of these companies and will close this credit card, making it the final one closed.
Consumer complaint received 2022-12-18
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. (KY)

Account Name : XXXX XXXX, has violated my rights. 
15 USC1681 section 602 A. States I have rights to privacy 15 USC1681 section 604 A Section 2. it also a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C. ( a ) ( 5 ) Section States : no copnsumer reporting agency make may consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes wich antedates the report by more than 7 years 15 USC 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 information is inaccurate
Consumer complaint received 2022-05-31
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (FL)

I applied for a XXXX XXXX credit card at XXXX & XXXX XXXX XXXX. I normally do not apply for store credit cards as it means a credit pull and it impacts my score but I was buying a {$2000.00} card and the promo was that the purchase tax would be waived if I used XXXX. XXXX responded with I will be informed via mail within XXXX business days, which normally means a decline. I was shocked as my XXXX XXXX was XXXX. After more than two weeks I called customer service and I was sent around in circles with no answer but wait for the letter. I tried again after 3 weeks and I had the same problem. No one had the access to give me an answer and I was finally transferred a fourth time and the question was did you get a letter and I said No and I was cut off. Comenity Capital Bank which offers XXXX is breaking all the consumer regulations. My score dropped XXXX points because of the pull and I have XXXX added to XXXX  pulls in 3 years which reduces my score and I have no reason for the decline. Thanks XXXX XXXX
Consumer complaint received 2022-05-31
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)

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXXT XXXX and myself! Please send the proper validation
Consumer complaint received 2017-07-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

Dear Sir/Madam, My overall experience with Navient Loans has not been a pleasant one. In the past few years Ive experienced several instances where representatives misguided me when applying for REPAY as you earn plan. This caused me to be in forbearance longer than I anticipated or wanted. One particular incident I was in forbearance for a few months as I was informed that it takes a long time to process paperwork. This of course increased my overall loan amount and I incurred erroneous interest rates from being misguided.
When I graduated with my XXXX XXXX my total student loan was {$100000.00} but now 5 years later with paying the loan my total amount has drastically increased to {$140000.00}, which is beyond unethical.
Very recently I experienced a traumatic incident when I was not informed properly ( email, mail, phone call ) about my REPAY plan expiring which in turn Navient charged my bank account {$1600.00} for my monthly payment instead of my normal amount of {$240.00}. This was traumatic as I was traveling across country at the time and this caused my bank to be in overdraft and frozen for over 4 days as I disputed the charge with my bank since I never approved of this transaction.
This charge went through on a Saturday when of course Navient is not open on weekends. I tried calling the company multiple times on Monday morning but was never able to get through to an actual representative even after waiting on the phone for over an hour and half. I even called the number using a different phone to only receive an automated message stating we are unable to take your call at this time please try again later and directing me to their online platform to schedule a call but the earliest day available was Friday of that week.
Im beyond frustrated and looking for answers as to why my loan has increased this dramatically when Im making payments. Im not pleased with the level of customer service from Navient and Im currently exploring different loan options.
Consumer complaint received 2022-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (TX)

Confirmation number from Denial Letter : XXXX I applied for Verizon Visa Credit card through Synchrony Bank around XX/XX/2022 and received a denial letter on XX/XX/2022. The reason for denial on the letter is " Application has risk factors that cause us to be unsure of your identity. '' They confirmed my identity during the application process through multiple means including social security number and other questions about my past history. I called Synchrony Bank on XX/XX/2022 at XXXX XXXX CST and spoke to customer service representative XXXX. She said I had been denied because of low credit score reported by XXXX. I monitor my credit score regularly and as the attached Credit score report from XXXX indicates, I have excellent credit score and history. I believe the denial is in error based on wrong information or some type of prejudice such as race or national origin.
Consumer complaint received 2022-12-18
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. (GA)

In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXXhas 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.