davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

with a real financial hardship, we request that some relief be given to us in the form of a principal reduction as with great sacrifice we managed to pay principal bearing interest in its totality and a large sum of remainder deferred amount amount. 
With the real hardship faced in our situations Ocwen has had the advantage of acquiring most of the loan amount on this loan within a couple of years only with a great sacrifice and money sent was to be applied to principal not for any reduction whatsoever. 

we therefore request consideration be taken for requested reduction be provided. 
i understand there are provisions made for situation such as ours for a principal reduction specially when we have met more than the expected. 
Please note both my wife and I are now totally XXXX and are under continued treatment and under home care. 
Every month I send my entire social security Check to Ocwen to cover monthly payment thus depriving us from any means to provide for expenses including provision for food. 

I hope a reduction can be achieved in our dire situation. thank you. XXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Good Morning, I was hit with a hardy inquiry from XXXX XXXX XXXX ( Bank ) XX/XX/2024. To my knowledge I never requested any new card, went into there bank or gave anyone authorization to run my credit score. I called them in XX/XX/2024 and there customer service had stated I did not go into there bank or apply for anything new with them. I had figured due to this error or someone trying to be me that this would fall off since they couldn't explain to me why it was on there in the first place. I have a good relationship with that bank and the bank is good. I just think was some sort of error.
Consumer complaint received 2022-10-01
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date : XX/XX/22 I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, these accounts is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit profile and score. Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX I have previously requested that you investigate this information above and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. Account name : XXXXXXXX XXXX Account number : XXXX The account number above have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. Account name : XXXX XXXX Account number : XXXX The account number above have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. Account name : XXXX Account number : XXXX The account number above have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 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 so 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. i did not give anyone written consent. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Also the credit bureau took more then 30 days to complete my investigation.

made a complaint to my attorney general, the XXXX XXXX XXXX XXXX XXXX XXXX  & the federal trade commission ( FTC ).
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This is not a duplicate in regards to a previous submitted complaint against Bank of America since my first complaint I have been faxing this exact document to Bank of America and mysteriously they have not received them in regards to my claim clearly here is the proof I have been trying to get to there department in regards to me being a victim of identity Theft thru unemployment insurance please get this documents to the right department so they can be attached to my claim so I can get the money back that was stolen from me
Consumer complaint received 2023-01-08
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. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus ( Experian, XXXX and XXXX ) have not responded back to me about my investigation. I sent a letter stating XXXX XXXX XXXX is reporting a 30 days late on XX/XX/2020 which is inaccurate and it should be showing 'Current ', it's more than 60 days. I need this account updated to reflect the accurate information. They are defaming my character because I can not get approved for a home or car loan. Now I am homeless. This is devastating for me and my family.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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.

Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2022-10-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (GA)

I woke up to a text from my bank, chime, and that there were XXXX charges from XXXX XXXX. I replied with no that the charges were not mine. The text responded that the charges were blocked. XXXX charges totaling {$830.00}. I immediately called chime and files a fraudulent charge case. They denied the claim in less than 24 hours. I called again and filed again on all charges and sent in a detailed rebuttal via email. I also recorded my second call with chime. They then said they would investigate more but could take up to 90 days. They then responded again and said call charges were found to not be fraud And it was a final decision. The charges hit until my account was empty. Back to back charges, and nothing in line with my spending history.
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc. (IL)

Ive filed an FDIC and States Attorney generals office complaint against Revolut and your fraudulent bank practices violating depositing under regulation E laws and guidelines. You limited my account after clearly receiving and accepting my IRS tax refund from the IRS, only to suspend my account for review within 39 minutes. Intent to sue letter will be faxed to NY office by the morning. I even uploaded my tax refund transcript which is XXXX ludacris to do and also illegal
Consumer complaint received 2022-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I appear to be a victim of identity theft. Somone else has been taking money from my Wells Fargo Bank checking account in Florida. The bank eventually gives me my money back but in the meantime the account has been locked to me. I can not use the ATM machines and I must go to the bank in person to get money out of my account. There was a hurricane in Florida several months ago and since my house is unlivable I have left the area. I am currently visiting friends and relatives in New York and Massachusetts where there very few Wells Fargo Banks. There is also an issue with my Wells Fargo credit card which may also be used. Please help. I do not have a lot of information as I left Florida without any information on my banking problems.
Consumer complaint received 2022-09-27
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 this creditor has violated my rights. Under 15 usc1681 section 602 states I have the right to privacy. 15usc1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan late for any purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments discussed with company that were supposed to be removed
Consumer complaint received 2019-12-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (ND)

During the fall of 2016 I was going through my first home purchase. I was prequalified with a loan and what I could afford. I realized the house had to have flood insurance so I was checking out prices and my mortgage loan officer XXXX XXXX with XXXX XXXX XXXX XXXX XXXX said they did insurance there at the bank so I thought I would check with them. They give me the amount of around {$800.00} annually. So I decided to go with them and paid and received a certificate of coverage on XXXX. And I asked the Insurance guy XXXX XXXX with XXXX XXXX XXXX XXXX if everything was good and he said yes. I later found out I could have assumed the previous homeowners insurance for the same amount. So I proceeded and closed on the house XXXX. I get and email XXXX from XXXX XXXX and he said : 'I got this notice from the flood insurance that according to the comments on the elevation certificate, it appears the building may be floodproofed. Can you verify if is and get a copy of the floodproofing certificate? Sorry, but this is how this flood insurance goes '' So I now trying to track down a flood proofing certificate that doesn't exist. And now the annual policy is {$8200.00}. At that rate I would have never qualified for the loan, nor would I have bought the property. So now I am stuck and no one will apologize nor take any responsibility. Now I am stuck either paying {$8200.00} which I can't afford so I don't pay it. Next I get a letter in the mail from US Bank saying they are going to force coverage if I don't get adequet coverage. So I let them force coverage. But somehow they got the additional coverage for around $ XXXX {$2200.00} I don't have that amount readily available but its in that area. But still on top of the {$800.00} I paid for the other policy which is only partial coverage it is $ XXXX {$2200.00} more! Thats a substantial amount and I would not have qualified for the home because of debt to income ratio. No one has offered a solution to the problem and now I can't pay my mortgage and it is being forclosed on. I need help immedialtly or myself a single father with custody of my kids we are going to be homeless. 

Parties are : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, ND XXXX US Bank Home Mortgage XXXX. XXXX  XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, ND XXXX
Consumer complaint received 2022-10-01
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. (CA)

I am seeking monetary release for the terrible treatment I have received from experience. From all 3 credit reporting bureaus.I have continuously requested that I do not be just by algorithm and that my credit school will properly show three real numbers. However, experience has been holding my credit score now for a long time now when I called a question why they said it was because of algorithm, which is not fair to anyone. They have now remove things that I took them. Were not supposed to be on my account. They keep making up excuses why they cant fix the numbers and its a computer is doing it and not send however, we werent using computers at first and theres no reason why I cant hear XXXX. Judge my number is it because Im a XXXX person is known as the XXXX peoples numbers down Id like to pay for my troubles. You can get a home cars anything and I know I have no debt at all!!! Fix this please. Why do they have so much power and theres no real way to dispute them. 
I never gave Transunion, XXXX or XXXX permission to publish anything about me. They are constantly publishing false information. How do I go about suing the company for pain and suffering, for restricting my way of life.
Consumer complaint received 2019-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LTD Financial Services, L.P. (GA)

I have a debt collection reporting on my credit that is not mines. The debt originated from an apt that I have never lived in nor signed off on. This debt is completely inaccurate and appears to be fraudulent.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX has continued their predatory practice to include late payments, remarks, and negative history on my accounts across multiple credit reports/bureaus. After many attempts for XXXX and the reporting bureaus to fix the inaccurate reports I am still finding more or updated inaccuracies. After years of trying to repair the damage I found today they have still kept up this grotesque practice. 

My loans, like most, were transferred off of XXXX  to XXXX, and later XXXX, beginning in late XXXX. I have a welcome letter from XXXX  from XX/XX/2021. Somehow despite my accounts no longer being held by XXXX  for XXXX  months and in the middle of a FEDERAL STUDENT LOAN FOREBEARANCE, XXXX  is showing I missed payments over XXXX  days late, negative comments, and late payment histories of multiple missed payments. 

I demand XXXX  write a letter to each credit bureau apologizing and highly recommending me for any credit line. I also demand penalties be assessed to XXXX for fraud, providing knowingly false reports and documentation, and negligence. Finally, I demand they remove all of their reports/accounts/etc from my credit reports across all bureaus.
Consumer complaint received 2016-02-27
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: DFC Global Corp. (CA)

I obtained a pay day loan from XXXX/XXXX/XXXX from Money Mart. The online application asked how often I was paid to indicate my repayment date. My next payday was XXXX/XXXX/XXXX and money mart pulled the funds from my account on XXXX/XXXX/XXXX causing XXXX overdraft charges in the amount of {$70.00} total and return check fees on my money mart account. I have since had that payment reversed as I should not be impacted as a consumer because there is a glitch in their system. I spoke to Money Mart 's online department many times and requested for a supervisor to return my call. I have yet to hear from a supervisor. I have received mutiple autodialer calls from money mart daily from multiple phone numbers to collect the debt. I have let Money Mart know my intention to file claim with CFPB and requested no additional autodialer calls and I was told I would have to send cease & desist to their support department. I advised that I wanted my cell consent to be removed and they declined to stop the calls. I have answered some of the calls requesting to speak to a supervisor and have been sent to a line that just rings and rings. My account has been documented by the online department of my dispute and that this was a glitch in their system that it still processed my repayment without recognizing my next paydate.
Consumer complaint received 2015-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pioneer Capital Solutions Inc (MN)

We rented an apartment from XXXX XXXX and now have a line on our credit report showing " Collection/Attorneys Fees '' As far as we knew we had all of our rent paid, and cleaned the apartment to what they wanted before moving out and notified them of any damages while living there. We now have a debt in collections against my credit in the amount of {$490.00} against both of us. We were never notified we had outstanding fees, missing rent, or any notice of action against us.
Consumer complaint received 2019-12-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Lendmark Financial Services (NC)

On XX/XX/2019, I applied for a loan with Lendmark Financial in XXXX NC. Location address : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  NC XXXX. During the loan application process, Predatory Lending was exhibited by the Store Manager. He failed to review the APY ( Annual Percentage Yield ) and added on services without approval. The loan was paid off on XX/XX/2019, there was a credit due back to me and the Store Manager advised the refund check was mailed on XX/XX/2019. However, after waiting 2 weeks I went to the location and they had only mailed out the check on XX/XX/2019. Even though they knew I was entitled to the refund, they refused to provide it to me in a timely manner. I know this is in violation of the Equal Credit Opportunity Act ( ECOA ).
Consumer complaint received 2016-11-15
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IA)

I completed my lease 36 month lease agreement with Nissan Motor Acceptance Company in XXXX 2016. When I took the car back to the dealership I signed all of my papers and had a balance due of {$0.00}. The leasing officer at Nissan told me that if any additional monies were owed such as the disposition fee, it would be sent in the mail. On XXXX XXXX ( 3 months later ), I received a letter stating my account was in collections for {$390.00} ( disposition fee ). At this point after also receiving multiple collection calls, I contacted Nissan on XXXX/XXXX/16 and let them know that I had not received any letters and questioned why this account was in collections. The first representative I spoke to said that letters were mailed but she could not send me proof that they were sent. I found this to be false so I escalated to a supervisor. The supervisor indicated that letters were mailed and were mailed to my current address. I asked for proof of the letters and the supervisor sent them to my personal email. Sure enough the letters were sent to an address I had lived in 3 years prior when the lease was originated. After receiving multiple collections calls I contacted Nissan again on XXXX/XXXX/16 to explain to them I did n't receive these letters and that this remaining balance should not be in collections. After being transferred multiple times I was put on with a supervisor that stated the statements were mailed in error to the wrong address as my address had been updated in the past. I told the supervisor that my account is not being handled appropriately and I should not be in a collections status. She informed me that I still had X amount of days before they would report to the credit agencies. There are several issues I have with the way Nissan is handling this : 1. They sent a collections letter to the proper address but my final statements and bill were not sent to the correct address. 2. This is unfair treatment as I am not being given the same amount of time to pay the remaining bill as someone who would have received their final bill. One month to be exact. 3. I asked the supervisor for the remaining balance which was a disposition fee of {$390.00} to be waived for the inconveniences this has caused me ( multiple calls to NMAC trying to get my issue resolved, possibility of having my credit impacted which could financially harm me in the future, receiving collection calls for something I was never given proper time to pay ). The supervisor stated that legally they could not waive this fee because doing so they would have to waive for all customers. I find this interesting that they will waive this fee I sign a new lease or buy a new car from them ( customer loyalty program ) but they will not waive if they make an error, harass a customer via collection methods, and impact their credit worthiness. I am requesting that the remaining balance of {$390.00} be removed by Nissan for the many reasons state above.