davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

XX/XX/XXXX Re : Ocwen Loan Servicing, LLC Loan Number : XXXX To whom it may concern, I would like to file a complain regarding Ocwen Loan Servicing Escrow department. On XX/XX/XXXX I receive an Annual Escrow Account Disclosure Statement, upon reviewing the statement it indicated that according to their projection for the coming year, the expected escrow balance is {$1000.00}, making the escrow balance deficiency {$0.00} and based on the expected balance deficiency of {$0.00} and the minimum required balance/Cushing of {$640.00}, an additional {$250.00} is needed for the escrow balance. 

A coupon was sent in the package for me to send the additional {$250.00}, therefore on XX/XX/XXXX I mailed the additional money via priority postage with a tracking number which was sent to Ocwen Loan Servicing Dallas Texas office location. 

On XX/XX/XXXX I notice that the check was not process as yet and I decided to track the letter I sent with the check and it stated that the letter arrived on XX/XX/XXXX. However, I called Ocwen Loan Servicing to inquire about the additional funds that is needed for my escrow account ; I spoke with XXXX at Ex XXXX and was told upon further research he did not see where the funds were process to the escrow account but should give him 24 to 48 hours get to the bottom of whats going on. I did not hear back from XXXX in time so, I called him and left him a message regarding my escrow account. 

I decided to call back Ocwen once again and was transfer over to XXXX at Ex XXXX after explain to her what is going on, she did some checking and did not see any new updates no my account and ask me to give her chance to get to find out what is going on and why the payment has not process as yet and to further give her until XX/XX/XXXX to get back to me. 

I have not heard back from Ocwen regarding this very important matter and it make me nervous about the situation and have me wondering if some nefarious afoot, I am sorry but I cant help myself for thinking that way about the entire situation. 

Hence, as of XX/XX/XXXX I have check my bank and the funds is still in my checking account and has not been process by Ocwen Loan Surviving as yet. So, I decide to file this complaint against Ocwen. 

Thank you for your attention toward this very important matter and I truly appreciate your help. 



Sincerely, XXXX XXXX PS : Attachment 1 tracking # XXXX USPS Attachment 2 Ocwen documents.
Consumer complaint received 2022-05-19
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 ) XXXX XXXX XXXX XXXX - XXXX late payments wrongly reported XXXXXXXX XXXX XXXX XXXX XXXX XXXX late payment wrongly reported XXXXXXXX XXXX XXXX XXXXXXXX remove whole account or update every late payment XXXX XXXX  XXXX XXXX and XXXX of XX/XX/XXXXlate payments wrongly reported XXXX XXXX XXXX XXXX, XXXX of XX/XX/XXXXlate payment wrongly reported -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX  XXXX XXXX XXXX late payments wrongly reported XXXX XXXX  XXXX XXXX XXXX late payment wrongly reported XXXX XXXX  XXXX XXXX remove whole account XXXX XXXX XXXX XXXXXXXX XXXX XXXX remove whole account -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( TRANSUNION ) XXXX XXXX XXXX late payments wrongly reported XXXX XXXX XXXX XXXX late payment wrongly reported XXXX XXXX  XXXX remove whole account or update all late payments 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-19
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. (PA)

In accordance with the Fair Act Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX  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 : Its also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (NJ)

Currently, I use bill pay with pnc banking, however I questioned there accuracy with my account. A couple of months ago, I noticed that my account was charged twice and the bank refunded the account after a few complaints. On XX/XX/2021 I scheduled a bill to paid out on XX/XX/2021, however the bank forward the check earlier than instructed. Next, I noticed that the payment was mailed on XXXX and was paid on XXXX, however the bank is stating the the payment was never paid out on this date. Meanwhile, I have documentation that the money was already set aside and removed from my account with a confirmation number. The bank still denies my statements telling me I am confused. 

On XX/XX/2021 another payment for the bill was posted as pending ( second time ). However when I checked my bill pay activity nothing was pending and the payment was marked as paid.
Consumer complaint received 2023-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is my Second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-19
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. (PA)

In accordance with the Fair Act Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX  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 : Its also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have attached my id theft report to prove this account is not mine. Fighting this fraudulent account has been very inconvenient for me. Please remove this account as I have attached proof of it not being mine below.
Consumer complaint received 2022-05-19
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. (VA)

I been trying to get this issue corrected for 3 years now. Transunion XXXX and XXXX has been reporting incorrect information on my report. The account details are not matching, the monthly payment is incorrect, the date the credit card was opened is incorrect, the balance is incorrect it should be {$0.00} because its been charged off and written off by the creditors on their taxes so its no longer my debt, high credit limit isn't matching and also incorrect, past due amount is incorrect, and the comments from all XXXX bureaus don't match either.
Consumer complaint received 2022-05-19
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: Castle Credit Co Holdings, LLC, Chicago, IL Branch (TN)

In accordance with the Fair Credit Reporting Act, Castle Credit Corporation account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX account # XXXX have violated my rights.

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states that a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (KS)

I've had people use my information to get a loan through Sally Mae which is now Navient since the government took over. This is XXXX and I've been trying to get this taken care of since XXXX with no luck. I've tied talking with Navient. I've done everything that they've asked me to. Each time that someone agrees to help me, the calls and letters stop for 1 1/2 to 2 years. Then they start back up again with someone else to talk to me who says that they have no knowledge of my previous conversations with someone else. I've talked to their fraud department. I've filed a report with my local law enforcement. like they asked me too. I've filled out their form that they sent me. That was mysteriously " lost '' with no record of it in their computer. They agreed to send me out another one to fill out and that never even arrived. Now I'm dealing with phone calls and letters again. In XXXX, they were sending me letters threatening to take me to court for defaulting on my loan which was done entirely online without me signing anything. I'm done trying to deal with them. I'm not going to talk to them on the phone. They'll have to take me to court to try to prove that I actually owe them money.
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FISERV INC. (CA)

I asked why they were charging me for the transactions and requested a refund. The company known as Fiserv uses XXXX XXXX XXXX XXXX They charged me maintenance fees but also charged me PCI compliance fees just for using their platform. At minimum, the PCI compliance should be on the merchant, but somehow it was on me to pay these fees and ensure compliance. 

The original company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Clover Connect XXXX XXXX  as a merchant to process transactions. They charged me since XX/XX/ just by having an open account. XXXX also did not assign an account manager or help with sales as they promised at the beginning of the contract. Perhaps, sales would have offset the fees from XXXX. 

is not like XXXX, XXXX, XXXX, or many others that do not charge a fee UNLESS a transaction is executed. All in all, they charged over {$600.00} fees without any transactions or sales on my account. Some of these charges were blinding and caused overdraft fees on my Business Checking Account. 

I added screenshots of what occurred and some correspondence between me and the company. The Merchant account XXXX is XXXX and XXXX XXXX is XXXX XXXX XXXX through XXXX which is a part of Clover Connect and Fiserv.
Consumer complaint received 2022-05-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  Accounts # XXXX, XXXX, XXXX, Bank of America account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX account # XXXX have violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states that a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-05-19
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: WELLS FARGO & COMPANY (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  Accounts # XXXX, XXXX, XXXX, XXXX  XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, Wells Fargo account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX account # XXXX have violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states that a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

On XX/XX/2022, " Select Portolio Servicing '' take over my mortgage from " XXXX XXXX XXXX  '' I had been paying my mortgage to XXXX on XX/XX/2022 and XX/XX/2022 and paid to SPS on XX/XX/2022. But SPS did not properly credit the payment. 

They did not give me any paper statement/Notice at all that i requested for mail it to me. 

On XX/XX/2022, Notice of error sent to SPS asking to address the problem. 
On XX/XX/2022, SPS received On XX/XX/2022, The increase my interest rate to 18 % when I pay everything on time
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX is inaccurately reporting information on my bureau reports : XXXX. I have requested information to prove whether or not this is an accurate account and they have not provided yet they continue to report it on my bureau report.
Consumer complaint received 2022-10-13
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2019-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (WA)

The company is illegally charging my small business checking account with an " analysis service fee '' - which is all over XXXX from other angry customers. I never asked for the special service - a laughably outdated mail advice when a deposit is received. Who would pay {$22.00} to receive a letter by snail mail in the digital age? Multiple requests via phone and email have resulted in them telling me it has to be resolved in the branch. I have visited two different branches and yet the fees continue. This company must be held to account for illegal billing practices and obstinance in correcting the situation.
Consumer complaint received 2022-05-19
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-02-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

Navient is saying I owe them {$70000.00} from a {$30000.00} loan I supposedly received when I was XXXX years old back in 2007. I asked for the promissory letter and have been given the run around and now I have a charge off on my credit report. I have not received a dime from Navient nor have I gave them a dime and I do not understand how they are on my credit report.