davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MI)

Ocwen Mortgage Service recently transferred our loan to PHH Mortgage CompanyXX/XX/XXXX, I was on a biweekly pay option paying every 2 weeks for my mortgage. 
I am a paying customer and have never been behind with my mortgage. 

When our loan was transferred to PHH mortgage, there was one payment left in suspense because PHH mortgage did not correctly process the Bi-weekly transfer option. 

I contacted PHH to on XX/XX/19 to see if I could maintain the bi-weekly option, I paid the XXXX payment of {$1200.00} on XX/XX/19 ( XXXX payment ) and they advised me that I needed to pay an additional {$620.00} ( Paid XX/XX/19 ) to cover the mortgage for XXXX and the suspense payment ( {$620.00} ) -pending from Ocwen because it was bi-weekly ... .would bring the account current for XXXX. I submitted XXXX XXXX info and 5 days later i contacted PHH mortgage to confirm if they received ... .They advised me they did receive and the payment of the XXXX XXXX-suspense payment and the payment of {$620.00} processed on XX/XX/19 was applied to principle in error and they will submit it to be corrected. I then call on XX/XX/19 -- -waited online and was transferred call was disconnected. Called back spoke with someone and they transferred me to supervisor line on hold 15 mins-call disconnected. Called at XXXX and spoke with a person who transferred again to a Lady that was yawning on the phone when I started explaining issue! ARE YOU KIDDING ME!!!!! I recorded all calls from XX/XX/19 ... .A relationship manager is suppose to call me within 48 hours ... .The CFPB will be contacted if this is not resolved. To add insult to injury PHH also drafted the full payment of {$1200.00} on XX/XX/19 -- -which I was told this was gon na be the XXXX payment of {$620.00} towards XXXX payment- ( So you drafted XXXX payment in XXXX and applied XXXX payment to the principle ) THE WORST EXPERIENCE EVER after speaking with person on XX/XX/19 at XXXX she advised me there is no bi-weekly option its just allows you to draft full amount on a day of your choice thru the XXXX ... ..SMH but I was told XXXX XX/XX/19 I was setup for the bi-weekly option which she said was XXXX option and I was all set!!!! THE WORST EXPERIENCE EVER!!! If I do not receive a call I will be seeking LEGAL ACTION! anyone else having issues please contact Consumer Financial Protection Bureau ( CFPB ).

www.consumerfinance.gov/complaint/ FYI ... ..The company does not answer phone calls without waiting over 30 minutes- ( There is a loud Static noise while holding on the line, probably there to make you hang up ... I did advised them when I called about this.. 
The customer service reps are not knowledgeable about the services or anything when it comes to your mortgage account .... 

I will be refinancing with another lender asap to avoid doing business with them for much longer.
Consumer complaint received 2023-06-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

ON XX/XX/2023, I SENT AN INTERNATIONAL WIRE FROM MY XXXX XXXX ACCOUNT WITH BANK OF AMERICA TO AN OVERSEAS CUSTOMER FOR THE AMOUNT OF {$11.00} XXXX. 

THE WIRE WAS BLOCKED BY BANK OF AMERICA XXXX BANK ( XXXX XXXX  ) FOR COMPLIANCE REASONS. 

THE WIRE WAS EVENTUALLY CANCELED AND TO BE RETURNED TO ME AS THE SENDER. INITIALLY, THE REFUND WAS EXPECTED TO OCCUR WITHIN 3 TO 5 BUSINESS DAYS. 3 MONTHS LATER, THAT HAS NOT HAPPENED. 

INSTEAD, BANK OF AMERICA IS UNABLE TO GIVE ME ESTIMATED TIME OF ARRIVAL ON RETURNING THE FUNDS. FURTHERMORE, BANK OF AMERICA JUSTIFIES THE DELAY EACH TIME I CALL THEIR SUPPORT LINE BUT REFUSES TO SHARE ANYTHING IN WRITING AS FAR AS THE STATUS OF THE WIRE. 

AT THIS TIME, I HAVE NO IDEA WHEN THE FUNDS WILL BE RETURNED TO ME. THIS IS CREATING A LOT OF HARDSHIP FOR ME AS THE AMOUNT CEASED IS CONSIDERABLE.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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.

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 inructions 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 2023-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (OH)

Fay Mortgage Company purchased my Mortgage and increased it dramatically. I requested a hardship modification. It almost seems that they are purposefully stalling on the hardship documentation, taking forever to process it. In the meantime, their online system will not allow me to make payments. The system indicates that I can not pay because I have " scheduled payments. '' The scheduled payment section clearly shows no " scheduled payments. '' ( examples Attached ) I have called and spoken to a rep who assured me my documents were being process timely and that the system would reopen to pay online. No " partial '' payments could be made. The mortgage statements and the website advertise " an updated website '' and several ways to make payments but this is false. The time frame to catch up on my payments is running further behind and my loan will be foreclosed upon. My credit is being destroyed and I am getting the run around in all directions. In addition, Fay failed to pay my homeowners insurance through escrow causing the insurance to lapse. I held this insurance policy for over 20 years. I now have to pay the insurance myself. The whole website and payment process is a failure. I have attached all the statements which clearly show that I can not make payment online.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX  & TRANSUNION LLC are willfully neglecting and non compliant and continues to furnish Previously Disputed account items for inaccurate inconsistent unauthorized information on my Consumer Report. 2 US DEPARTMENT OF EDUCATION accounts begin in COLLECTIONS then Falsely OPEN showing {$0.00} PAYMENT RECEIVED yet CURRENT ; PAID or PAYING as AGREED. WHICH IS INACCURATE FALSE INFORMATION. ALSO SHOWS INACCURATE INCONSISTENT BALANCES, DATES OPENED & DATES UPDATED ON SEPARATE FILES SENT VERIFIED AS ACCURATE DISPUTED ITEMS ON THE SAME DATE. XX/XX/2023 Congress STATES the OBLIGATION for 100 % ACCURACY, PRIVACY and EXCLUSIONS FROM CONSUMER REPORTS
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.
Consumer complaint received 2019-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Walmart decided to replace my years old Walmart Mastercard provided by XXXX XXXX, which I would not be liable for unauthorized use. 
Walmart.capitalone.com sent me a replacement card ( same # as before ) which had the red/yellow circles like mastercard but did not have the words '' Mastercard ''  on the card for me to activate. Several pages ( 3 ) stating the revised changes for this new Capital One card, payments, interest, etc. everything was good to go. They did suggest I read the enclosed CAPITAL ONE World Mastercard Guide To Benefits, 10 pages of small print. 
Unauthorized use is now limited to {$1000.00} per claim, and a limit of one claim per 12 month period. 
Calls to Mastercard, told " NOT OUR CARD ''. 
Calls ( 4 total ), to Capital One finally got the card canceled. 

SOMETHING BAD WRONG GOING ON HERE, BUT I AM FINISHED WITH THEM.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act, account XXXXXXXX XXXX XXXX XXXXXXXX # XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states that a consumer report agency can not furnish a account without my written instructions
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NE)

Dear Equifax Im sending this second letter in response to your updated letter which stated that you have verified the account. In your letter, you also told me to contact the furnisher about this account. I did that. I sent them a debt validation letter asking them to prove to me that this debt is in fact mine. They never, and I mean never, responded to me. 

From my understanding of the Fair Credit Reporting Act, and please tell me if Im wrong, if an item is unverifiable, it must be deleted, right? Well the collector never responded to my validation request and as a result, the item is unverifiable. Im asking your company to do the right thing and follow the law as its clear, and delete the follow account below : XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

XXXX XXXX  : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

If for some reason, you choose not to investigate, or send me another letter stating that you have already verified the account, I will do the following : ( 1 ). File a complaint with the Attorney Generals Office.

( 2 ). File a complaint with the Consumer Financial Protection Bureau.

( 3 ). Explore all legal options on this matter.

I dont want it to come to this. Please delete the account.
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MO)

Showing 90 days late for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ... never late also loan switched to navient about this time and also I was on a defferment ... parent plus loan taken out in XX/XX/XXXX
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (IL)

My checking account had a check cashed in the amount of {$4000.00}. It was not a check that was presented by us. It is a FRAUDULENT transaction. I have spoken to the bank and have not received my money back I am told that they are waiting on XXXX XXXX my bank is Huntington Bank This happened on XX/XX/2022. I have processed all documents necessary and filed a police report. I asked them why am I waiting for XXXX XXXX. My money was taken from Huntington. The account was closed by Huntinton because I transferred every dime into another savings account. I can't use an account that has been compromised. I just need my Money back XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Showing 90 days late for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ... never late also loan switched to navient about this time and also I was on a defferment ... parent plus loan taken out in XX/XX/XXXX
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

Long ago I was involved in the Equifax data breach and even before that I suspect my identity was stolen my social security number isn't even correct and the Equifax website that I did on my annual credit report.com free search also there's very many negative accounts and I've never used credit for anything in my life
Consumer complaint received 2023-02-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NC)

A complaint was filed with the company to Validate the debt, and they have yet to do so. They still have yet to send a letter explaining what the debt is for. They do not even know if its mine or what it is for, so how are they trying to fraudulently collect on something that they have never verified. They have also called me by another name in their response to my initial complaint which was changed up until recently in which if I do have the debt they have the wrong name once again failing to be verified.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2023-01-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (FL)

On XXXX. XXXX, 2022. SPRING OAKS CAPITAL LLC OPENED A COLLECTION. 
Account -- {$880.00} that I owe. 
I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureus. 

XXXX XXXX
Consumer complaint received 2022-04-22
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. (OH)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-22
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

Showing 90 days late for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ... never late also loan switched to navient about this time and also I was on a defferment ... parent plus loan taken out in XX/XX/XXXX
Consumer complaint received 2019-12-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Consultants, Inc. (NC)

I sent Professional Recovery a certified letter asking them to give me a copy of legal documents they stating that I agree to pay them {$190.00}. They did not respond back. But refuses to remove the information from my XXXX credit report, and XXXX refuses as well. However, neither agent will send me the documents I've requested.
Consumer complaint received 2019-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

Citi closed my account in XX/XX/XXXX and make it active now without my knowledge. 
Citi closed my credit card ( Citi Double ) in XX/XX/XXXX. When I reached out to Citi about the account closure, I was told it was due to inactivity. I complaint about not being notified and was told a notice was sent to my old address in XXXX. Citi indicated that I have just moved in XX/XX/XXXX and never received the notice. Citi informed that that there is nothing could be done about the closure. 

Citi Double continue to show up in my online banking as " closed '' account and I did not remove it from my online banking account. On XX/XX/XXXX, I received a notification that a Citi account on my Transunion credit report was recently listed as closed. When I logged in to my Citi online banking, the account is no longer " closed '' and there is a statement generated. 

I reached out to Citi on XX/XX/XXXX about the account and voice my concern that a closed account becomes " active ''. And I was told the account is " open ''. After I explained that the account had been closed for over a year, I was told Citi will look into it and get back to me. 

Attempts to reach Citi by " chat '' function leads to no where. 

I showed up for a in-person appointment in Citi on XX/XX/XXXX in an attempt to understand/resolve issue. The banker dialed Citi credit card and the representative continue to insist that the account was never closed as " it is illegal to re-open the account '' without my input. Citi customer representative insisted that the lack of e-statement for credit card is not proof that the account was closed. I requested that the account be closed during the phone call. During this conversation, I was told by the customer service representative over the phone that it is possible that the account was " suspended ''. But the account was absolutely not closed as to re-open the account, it involves pulling my credit and Citi absolutely did not do that.

Even though Citi Card denied the account was ever closed, an inquiry into my Transunion credit report on XX/XX/XXXX, under 19 changes to my report, two regarding my Citi Double card. 

1. Between XX/XX/XXXX and XX/XX/XXXX, you made 8 out of 8 payments on time ( or didn't have a balance to pay off ) 2 Under updated account information, CITICARD CBNA, it is noted that " Between XX/XX/XXXX and XX/XX/XXXX, the following remark was removed ( bolded ) from the account : Closed