davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

PHH Has Locked My account from making payment to my Mortgage ILEGALLY, I can not make a payment on their Website. 

They Have me in some Mortgage Deferment plan I DID NOT REQUEST TO BE IN, THEY ENROLLED ME WITHOUT MY CONSENT, NOR ANY DOCUMENTS SIGNED BY ME TO THEM, NOR ANY REQUEST FROM ME TO THEM, NOW THEY HAVE LOCKED THE ABILITY TO PAY FOR ME TO PAY MY MORTGAGE FOR NO VALID REASON. 

Get this Company to UNLOCK my ACCOUNT NOW THIS COMPANY IS ATROCIOUS AND TREATS THEIR CUSTOMERS LIKE GARBAGE. 

THEY LOCKED MY ACCCOUNT AFTER MAKING PREVIOUS PAYMENTS ONLINE, I CALLED THEM XX/XX/2021 SPOKE TO EMPLOYEE # XXXX, THEN TO THIER MANAGER OPERATOR ID # XXXX SAYING THAT THEY NEED TO SEND A FORM TO ALLOW ONLINE PAYMENT AND TRIED TO CHARGE A PAYMENT OVER THE PHONE FEE. THIS IS A SCAM. THEY MADE NO EFFORT TO CALL, EMAIL, MAIL, or SEND A NOTICE TO MY ONLINE DOCUMENTS ON THEIR ACCOUNT WEBSITE. THEY SAID THE LAST MORTGAGE PROVIDER REQESTED AN EXTENSION OF MY 90 DAY FORBEARANCE, THIS IS NOT TRUE DUE TO I WOULD HAVE TO SIGN A DOCUMENT OR MAKE A REQUEST, I NEVER REQUESTED AN EXTENSION. THEY CAN NOT PROVIDE ME A COPY OF THIS ALLEGED EXTENSION REQUEST. 

THEY REFUSED TO SEND THE FORM BY EMAIL, OR TO MY ONLINE DOCUMENT CENTER ON THEIR WEBSITE, THEY SAID THEY CAN ONLY SEND IT BY MAIL. 

NO PHONE CALL, EMIAL, NOR LETTER WAS EVER SENT ABOUT A PHYSICAL DOCUMENT NEEDED FOR ONLINE PAYMENTS ; I FILLED OUT THEIR ONLINE CONSECT FORM in XX/XX/2021AND ADDED MY CHECKING ACCOUNT INFORMATION ( https : //phhloansphereservicingdigital.bkiconnect.com/phhm/ # /payment ) AND THEY ACCEPTED IT AND ALLOWED ME TO MAKE ONLINE PAYMENTS FOR XXXX AND XXXX, NOW THEY ARE RENEGGING THEIR AGREEMENT FOR ONLINE PAYMENT FOR NO VALID REASON. 

They Need to STOP THIER ILLEGAL ACTIVITES ON MY ACCOUNT BEFORE I TAKE LEGAL ACCTION AGAINST THEM. THEY ALREADY HAVE A CLASS ACTION LAWSUIT FOR THESE ACTIONS THEY ARE DOING TO ME.
Consumer complaint received 2021-12-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Corporation of America (AR)

On XXXX XXXX XXXX compliance officer at RMC responded to my complaint stating that they deleted the amount from my XXXX file XX/XX/2021 via the XXXX XXXX. It was deleted and removed but then reported on XXXX. See attachments of the response from XXXX XXXX stating it had been deleted and also attachments of when it was last reported. I would like this to be REMOVE AND DELETED from my credit report immediately. I would also like for RMC to get rid of the file obtaining my personal information because it clear that they are falsying documents. I have the proof. This has hurt my ability to obtain credit and has hurt my character. PLEASE REMOVE AND DELETE. I called RMC but no one has reached back out to me.
Consumer complaint received 2021-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (NC)

Early XX/XX/2021 I was informed that my checking accounts was restricted and closed and I would no longer be able to access the accounts. Due to a scam for a job that gave me a fake bonus check that was a scam. After much devastating news and all my money being gone. there were still XXXX transactions being drafted from the account and XXXX overdraft protection being used. I received a letter in XX/XX/2021 confirming the closure of the accounts due to the overdrafts that caused charge off. Navy federal restricted my access and this also caused me not to be able to pay my credit cards either.
Consumer complaint received 2022-09-24
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GOLDMAN SACHS BANK USA (CA)

Just found out today ( XX/XX/XXXX ) that Marcus/Goldman Sachs allowed an outside actor to fraudulently open a savings account with my name and SSN number. Now they are saying that I can not do business with Marcus because a fraudulent account was opened in my name, and it can never be reversed. 

What happened to consumer protection? This should not be allowed by large banks. 

XXXX
Consumer complaint received 2021-12-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was scammed on XX/XX/2021 from an unavailable caller telling me my XXXX Account had been hacked for {$990.00}. They took me through a series of steps to protect my account, also having me download the " XXXX '' app on my phone. I spoke to 3 different people. The first person said he had to transfer me to his supervisor, he had me request money through my XXXX and when that didn't work, he transferred me to his XXXX who had me request money and when that didn't work, he had me send {$990.00} from my checking account ( which is now closed ). I was then transferred to the 4th person who told me that he was the hacker and I had been hacked. I immediately called XXXX who said they did not make the call and then I called Bank of America. I spoke to 2 people at Bank of America that Saturday and then I believe 2 or 3 people on Monday XX/XX/2021. I also filed a police report. Last week I received a letter from BOA telling me that my claim had been denied and I have lost {$990.00}
Consumer complaint received 2022-09-24
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC (SC)

I did not authorize XXXX XXXX to run my credit on XX/XX/2022. I also did not authorize them to run my credit through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I only authorized XXXX XXXX to run it through their service.
Consumer complaint received 2021-12-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (GA)

I had a business account in which I got XXXX transfer sent to the account was taken. When I called in the first time I was told by a representative take they couldn't make money off my account and that they will be closing it. They gave me the run around the money that was sent to my account and said they would mail me a cashiers check. Then they made up an excuse saying that the money was sent back. They lied to me about everything.
Consumer complaint received 2021-12-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FIRST HORIZON BANK (TN)

On XX/XX/XXXX I made a transfer through XXXX from my bank account at XXXX XXXX to a payee who has a bank account at First Horizon. On XX/XX/XXXX I received a confirmation from XXXX that the money was credited to the payee, however First Horizon never credited the money to the recipient. Transfer trace is XXXX. Both banks have not been able to resolve the issue and my money is lost.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am writing to bring to your attention an issue I have encountered with my credit report. I noticed an unexpected drop of XXXX points in my credit score, which I couldn't attribute to any financial action on my part. 

In an attempt to rectify this situation, I reached out to your customer service team. However, they informed me that they were unable to locate my information in your company profile. This was surprising and concerning, as I have been actively monitoring my credit through your services. 

Despite my efforts to resolve this issue, it remains unaddressed. The unexplained drop in my credit score is causing me significant distress and potential financial harm. I am concerned about the accuracy of my credit report and the potential impact this could have on my future financial endeavors. 

I kindly request your immediate attention to this matter. I am hopeful that upon receiving this information, you will be able to identify the cause of the score drop and rectify any inaccuracies in my credit report. 

I look forward to your prompt response and resolution of this issue. 

Best Regards,
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As of XX/XX/2021 Trans Union wiped our all my accounts. Attached is a report dated XX/XX/2021. It will show all the accounts that were deleted affecting my score and borrowing. I opened up a complaint # XXXX and CFPB closed this complaint without resolving this complaint. How can my XXXX and XXXX have 12 to 13 accounts and Trans Union only have 1. This should be a red flag. I am somewhat dissapointed that consumers have no where to turn. Take time and look at the attached TransUnion report, and tell me something is not wrong. Do not close this complaint until TransUnion restored my account with all the correct information. I haven't received any correspondence from Trans Union.
Consumer complaint received 2021-12-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV INC. (NY)

We strongly believe that competitors, exes, XXXX XXXX as we are a minority-owned firm, and other troublemakers are filing false complaints/requests for investigation against our law firm company this leading to a spate of frivolous harassing investigations into our law firm company- we have filed federal complaints with the Office of Professional Responsibility and other agencies to investigate this - this is also evidenced by the fact that we have prevailed and won on each and every single credit charge back since they came in this year- please also be advised that charge backs increased during the Holiday season when desperate people are looking for extra cash to spend on their cards after they have already used and abused us for our stellar legal work- which desperation has been made worse by COVID-related unemployment and lack of cash/liquidity in our generally poor, criminal, immigrant clients ( we do immigration, criminal defense, and family law work ). Please urgently investigate and advise.
Consumer complaint received 2021-12-27
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. (AL)

MY IDENTITY HAS BEEN STOLEN. THESE ACCOUNTS ON MY PROFILE ARE FRAUDULENT. THEY ARE CAUSING MY FAMILY A LOT OF UNNECESSARY HARDSHIPS. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE.
Consumer complaint received 2022-09-24
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. (CA)

Credit bureaus use that E Oscar application.. which in reality they're not really validating anything they're not doing anything at all I recently submitted very regular disputes for account updates they came back as not updated when I in fact had my online accounts open and current one company even went back as far as XXXX never bothering to update anything for XXXX I've provided proof and photo shots of my accounts
Consumer complaint received 2021-12-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

My name is XXXX XXXX. I pulled my credit report last XX/XX/2021 and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.
Consumer complaint received 2021-12-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX. I pulled my credit report last XX/XX/2021 and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.
Consumer complaint received 2019-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HANCOCK WHITNEY BANK (MI)

The servicer has refused to pay for the home policy renewal of {$800.00}. The servicer XXXX claims that they did not recieve the policy renewal. 

On XX/XX/XXXX the Insurance Company, XXXX XXXX, cancelled the coverage. I called the company and they claimed to have sent the policy twice. They recommended waiting a few days to see if the check came. 

On XX/XX/XXXX I recieved notice that the Lein holder, HancockWhitney, was going to purchase insurance if they policy was not renewed. 

On XX/XX/XXXX I contacted the servicer, XXXX, and talked with a customer representative. The representative gave me instructions on how to email the policy to her ( put her name XXXX and loan # in the subject line ). 

On XX/XX/XXXX I sent two emails to XXXX with all materials needed to pay the policy renewal. 

On XX/XX/XXXX the insuror, XXXX XXXX, notified my that payment had not been sent. 

On XXXX XXXX I tried to contact the servicer, XXXX XXXX, and waited on hold for 87 minutes. I never got to speak to a representative. 

On XX/XX/XXXX I sent a fax with the information to the servicer at : XXXX. The fax was rejected. 

There is no way to contact the servicer and they are not paying the policy.
Consumer complaint received 2021-12-27
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: JTM Capital Management, LLC (DC)

I have tried for months to contact JTM CAPITAL MANAGEMENT to no avail. I have written debt validation letters and have called the telephone numbers listed. If I lived in New York, which honestly I doubt this company is even based, I would visit. I can not understand how a company who no one can seem to reach, can repeatedly verify a debt. This company appears to be playing some kind of fraudulent scheme. No website wont answer the phone to even to settle the account. I can seems to get no help from the original creditor OR THIS FRADULENT COMPANY. you can't reach them, but they can reach credit bureaus to verify information. Honestly, I just to this settled ASAP!!!
Consumer complaint received 2019-09-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (MI)

Citibank has been failing to make recurring payments from my account to XXXX XXXX the credit card company this month. 
I keep seeing unauthorized charges on my account as well as double payments to XXXX. XXXX claims they did not make a {$25.00} payment on my account. It later fell off, but it caused problems with my account being overdrafted. 
XXXX XXXX tried to make a credit to my account and Cit Bank refused it, because they say that my account was blocked due to non-sufficient funds, which was caused by unauthorized and double payments to merchants. The payment from XXXX XXXX would have taken my account out of the negative CitiBank is mismanaging my account every month and causing my account to be over-drawn. 
I'm asking for a full investigation
Consumer complaint received 2019-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 FOR 30 DAYS LATE???? HOW? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. When i confirmed with them Macy 's stated that they had sent it to the wrong address. Please correct / update for me.
Consumer complaint received 2022-08-31
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. (RI)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX CARD XXXX, and XXXX CARD XXXX have 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 an account without my written instructions.
Consumer complaint received 2023-01-20
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-12-27
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-27
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. (AL)

MY IDENTITY HAS BEEN STOLEN. THESE ACCOUNTS ON MY PROFILE ARE FRAUDULENT. THEY ARE CAUSING MY FAMILY A LOT OF UNNECESSARY HARDSHIPS. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE.
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX  Bankruptcy XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX A ) XXXX
Consumer complaint received 2021-12-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (NY)

I reached out to asset care LLC in regards to a medical debt they are reporting on my credit report. I don't recall ever having outstanding debt for a medical bill and never received any notices from any hospital or third-party collector. When I reviewed my credit report last month I was surprised to see this account reporting. I acted promptly and mailed out a debt validation letter on XX/XX/2021 as I am not aware of this debt at all. It has been over 45 days since the letter was sent out and I have not received a response. The letter was sent out certified and I saw that it was received. That said this account continues to hurt my score when it should not be there.
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

My 16 year of credit history is no longer available on my credit report. This information includes : XXXX. Loans : Loans repayments that were completely paid off on time as well as my mortgage payment history. 

2. Credit Cards : I had credit cards in my name which reflect a solid repayment history.

3. Mortgage : Mortgage repayments paid for two properties no longer appear on my credit report.

I am filing this complaint to have this information restored to my credit report as well as an adjustment to my credit score.