davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (WA)

I have auto pay set up on my mortgage account, I have attempted to change the account in which it was withdraw from ( XX/XX/19 ) by calling into to Flagstar mortgage company phone service. 

Unbeknownst to be my biweekly payment scheduled was changed, and payment was taken from my account 1 week early in the amount of {$1400.00}, on XX/XX/19. I called the company on XX/XX/19, after realizing that the early payment had posted, and they informed me that they were unable to reverse my funds, or unable to assist me with overdraft fees over the phone. They assured me that the payment schedule would be changed back to my original payment schedule. 

I called Flagstar back on XX/XX/19 to ensure that my payment schedule had been changed, however they informed me that it had NOT been changed, and I was scheduled for another automatic payment on XX/XX/19, once again a week earlier than what I had previously authorized. At his time ( XX/XX/19 ) I elected to cancel the auto payment system. 
I specifically asked and I was specifically told I would not have another payment removed from my account since, I stopped auto pay. However Flagstar then removed an additional unauthorized payment of {$1400.00} from my account, causing over drafts ( XX/XX/19 ). 

I contacted by bank, to dispute this charge, and reverse this charge. 

My complaint is that my payment scheduled was changed without my authorization. My attempts to resolve this issue with Flagstar were met by many roadblocks, and I believe their policies are overly arbitrary and cumbersome. I believe that these practices are predatory, and warrant further evaluation by your agency, as I am sure others have experienced issues with this mortgage company.
Consumer complaint received 2020-06-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (GA)

Alleged Debt {$1200.00} Current Debt collection company - Common wealth finance Original creditor - XXXX XXXX XXXX XXXX Had no knowledge of this account/debt and I have had medical insurance-ALWAYS hence I have no other medical debt period. I had/have No knowledge of this account and certainly didnt know I owed it. It wouldve been taken care of
Consumer complaint received 2020-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MA)

I called Discover to initiate fraud complaint against " XXXX, XXXX '' on or about XX/XX/2020 after learning XXXX XXXX decided to close the business without fulfilling services to the hockey teams in the league. Specifically, in an email dated XX/XX/2020, XXXX, XXXX determined that I was owed a league credit of {$1700.00} for my team for unfulfilled games, then closed the league on XX/XX/2020, without providing restitution for the money owed to my players for these services. There are 10 credit card transactions that total {$1700.00} that Discover initially credited my account for in XXXX 2020. However, by XX/XX/2020, Discover reversed all these credits and resolved the disputes in the merchant 's favor, even though the merchant never delivered the services to my team. XXXX, XXXX committed fraud and embezzled my team 's money and Discover refuses to provide any consumer protection on this issue. In my final communication with Discover on this issue on XX/XX/2020, they stated, " the case will remain in the merchant 's favor until we receive documents showing the Discover Card has been promised a credit of the amount you are disputing, including the specific amounts and the carte number. Without that documentation, we are unable to proceed with your cases. '' On XX/XX/2020, I spoke with multiple other team captains that were taken advantage of by XXXX, XXXX, and they successfully were able to dispute their fraudulent charges from this situation with XXXX, so its frustrating that Discover will not also protect their customers.
Consumer complaint received 2019-10-09
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. (PA)

Trans Union XXXX Upon doing a recent review of my credit report. Ive noticed that their are inaccuracies with the Department of Education. XXXX account number ( XXXX**** ) has Discrepancy in the High Balance, last Verified date, date open, date closed, creditor type, last payment, account type, payment frequency. Not to mention the inaccuracy of the payment history. 
Balance owed : If this account is a charge off/ collection how will it currently have a balance owed, past due amount ect. 
XXXX and XXXX are reporting different from what you are reporting. If this is the same account being reported by the same creditor, how are these numbers and other verbiage different? 

Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete this account immediately because of the negligence of the original creditor and in inaccurate information that is supplied. 

I have enclosed a screenshot for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You XXXX XXXX
Consumer complaint received 2021-02-16
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. (IL)

XXXX XXXX - To Whom It May Concern : Pursuant to 15 USC 1681 ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. 

They should all be removed from My consumer report pursuant to 15 USC 1682a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately they are a violation of my rights as a federally Protected consumer under title 15 chapter 41.
Consumer complaint received 2020-02-08
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: AMERICAN EXPRESS COMPANY (MD)

Am. Express Personal savings sent a letter to inform me that a deposit account was opened in my name at American Express National a Bank. It was opened without my authorization. As a result, Am Express closed this account. My account # ends with h XXXX. I was informed by Am Express that the applicant had access to my name, address & Social Security number.
Consumer complaint received 2017-05-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Since XX/XX/XXXX I was a victim of identity theft. A bill showed up on my credit report about almost three years ago. I have requested and advised over and over that proof of validation be sent to me for the alleged debt. I disputed this account because I never opened the account no proof of validation was ever sent per my request. I have lived at the same address for over 15 years and still no proof of validation of the alleged debt has ever been sent but continues to report on my credit I have asked both Portfolio Recovery and the three reporting agencies to provide me with documents of the alleged debt. I never signed any contracts nor am I in debt to Portfolio Recovery Group they are impacting my credit and life in a major way. I sent the office a request for debt validation and requested a copy of any agreements that I signed stating that I am in a contract with Portfolio Recovery Group for the alleged debt to date there has never been anything sent to my address again where I have resided for years. I recently provided a copy of my current ID AND SOCIAL SECURITY number to this company asking that all original documents be sent showing that my name and birthdate and social match the opening of this alleged account.
Consumer complaint received 2022-12-14
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. (TX)

FCRA Violation personal information not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation credit card payment never late
XXXX
Consumer complaint received 2020-11-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (UT)

On XX/XX/XXXX, I tried withdrawing funds held in my PayPal account to my bank. The amount was {$64.00}. When attempting to transfer money to my bank which has already been confirmed, PayPal tells me, " XXXX XXXX XXXX We just need some additional info to confirm it's you. Please add a phone. '' I already have my phone setup for 2 Factor Authentication but when entering that number, I am told, " This type of phone number isn't supported ''. If I enter my old number, it accepts it. The problem is I don't have access to that number. The same exact issue happened on multiple browsers. Whenever I call PayPal, I am unable to speak to a live agent. Instead the automated system hangs up on me. Online support has been entirely unhelpful. They ignore my issue and use generic automated replies. Eventually an agent lied and said they would have someone call me within 48 hours. I waited but no one called. I have asked what happened but the agent has ignored me. Agents would randomly change names without explanation. The names have been XXXX, XXXX, XXXX XXXX, and XXXX XXXX.
Consumer complaint received 2024-03-04
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. (PA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2023-05-20
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. (OH)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, U S DEPT OF EDXXXX XXXX Balance :  {$0.00} XXXX XXXX XXXX XXXX : {$15000.00}, XXXX XXXX XXXX Balance : {$7200.00}, XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$3100.00}, XXXX XXXX Balance : {$1800.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$19000.00}, U S DEPT OF EDXXXX XXXX Balance : {$0.00}, U S DEPT OF EDXXXX XXXX Balance : {$0.00} , U S DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} , U S DEPT OF EDXXXX XXXX Balance : {$0.00}, U S DEPT OF EDXXXX XXXX Balance : {$0.00}, U S DEPT OF EDXXXX XXXX Balance : {$0.00} , U S DEPT OF EDXXXX XXXX Balance : {$0.00}, TELECOM SELF-REPORTED XXXX Balance : {$21.00} , TELECOM SELF-REPORTED XXXX Balance : {$60.00}, XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-05-18
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Onity Group Inc. (NC)

I contacted Ocwen today regarding the conflicting status on the account and was placed on hold for a long period of time. I was later told that because we were working with our relationship manager that I had to call another number. The number provided was the number to the Office of the Ombudsman. This office took our information and placed my wife on hold later coming back and stated that we had to Contact XXXX XXXX because there was nothing they could do even after telling us the day before that there was not active sale, but today stating that there was a sale on Friday XXXX XXXX, 2016. When XXXX XXXX was contacted via email, counsel said that because 1 year ago, we had said that we were not interested in a modification, that modification chances were off and the sale would be held on XXXX XXXX, 2016. An email was sent back stating that we were interested in a modification. The attorney came back and said no to the opportunity for a modification and said that any future communication concerning the matter must be directed to him ( cutting off any contact to our relationship manager, Owen 's Office of the Ombudsman and Customer Care ), just one day after the Relationship manager said that there was no sale pending and that modification assistance was available.
Consumer complaint received 2023-09-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (FL)

Contacted on XX/XX/23 When I stated that I did not owe this amount they said I would need to contact the company in question and they could not assist me further. I contacted XXXX and XXXX told me they do not know why the company is trying to collect as XXXX in fact owed me money, I did not owe them anything. 

Spoke with XXXX XXXX at XXXX
Consumer complaint received 2019-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

called customer service spoke with manager XXXX asked to have interest {$3.00} assessed on XX/XX/2019 when my account was paid in full on XX/XX/2019 payment {$2300.00} resulted in a " credit '' balance of {$11.00}. There was no balance for XX/XX/2019 yet I was assesses interest. manager XXXX denied my request to credit back my accoun refused my request to be transfer to upper management. I am requesting to have the interest {$3.00} assessed credit to me.
Consumer complaint received 2024-03-04
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. (FL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2016-11-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

My house loan conditions, under the loan modification agreement with GMAC Mortgage in XX/XX/XXXX, are such that the payments would increase by 1 % each year until XX/XX/XXXX, at which point the interest rate would be fixed at 5.05 %. When the payment amount needed to be increased, I was notified. On XX/XX/XXXX, I was notified by GMAC Mortgage that the interest rate would go up to 2 % ; and the payment amount would increase. The loan was first under GMAC Mortgage, and then it was transferred under Ocwen Loan Servicing , LLC on XX/XX/XXXX. 


After the transfer in XX/XX/XXXX, I was notified by Ocwen on XX/XX/XXXX that the interest rate would go up with an increased payment amount. After a few months, Ocwen stopped sending me the statements with the payment amount : this was done without my agreement. In other words, they stopped sending me any form of billing statements ( neither paper nor online ). 


In XX/XX/XXXX, Ocwen did not send a notification of the new payment amount under the new interest rate ; as a result, I continued to make the payments under the old amount. Later, I received a letter which showed that I did not pay the full amount for the recent months and that I accumulated a debt. When I called Ocwen for an explanation, I was informed that they could not send me billing statements or notify me of the increased payment amount because I was still under bankruptcy. 
This does not make sense since in XX/XX/XXXX, even under bankruptcy, I was notified when the payment amount needed to be increased. Ocwen is now demanding that I pay the full debt amount acquired during these months and did not accept my last payment. As a result, Ocwen is threatening foreclosure if I am unable to pay the full amount all at once. It seems to me that Ocwen is doing the best that they can to get a hold of the property.
Consumer complaint received 2021-02-16
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. (TX)

Credit reporting agencies are not doing thier job as they tout. I have disputed XXXX XXXX XXXX XXXX two XXXX XXXXXXXX XXXXXXXX XXXX, XXXX XXXX, XXXX / XXXX XXXX and XXXX XXXX card due to theft, fraud, forgery, false pretenses and identity theft.. I have sent sheriff 's report, IRS and Transunion Affidavits, incomplete forgered applications that were utilized anyway to access my credit. I have sent much information that reflects the person responsible. The credit reporting agencies state their responsibility ( but are not doing ) " According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, and notifying them of the dispute and disclosing all relevant information regarding your dispute. When we contact the furnisher or vendor, we ask that they verify all of the information regarding the item you disputed and report back within 30 days of the date that we received your request ( 21 days for Maine residents ). To help resolve the dispute, we will review all relevant documents submitted with the dispute and will forward them to the furnisher if we are unable to resolve the issue '' The credit reporting companies send to these different companies who simply label as duplicate complaints or verify without any investigation and sending me any type og detailed report.
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

i have send numerous letters, disputing errors on my credit report to experian, all letter go with a copy of my driver license, voter registration and social security card, they dont remove the errors, i am tired of their incompetence and refusal to respond and correct the issues 1>-Statements Personal Statement ( s ) 26 & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 
I never ask for this and have 3 letters to have it removed 2.-XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies I never applied for a loan, they dont ' have anything from me 3.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific never did i do an application either
Consumer complaint received 2018-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I HAD A XXXX I HAD XXXX COVERAGE ON THE ACCT THE BANK XXXX XXXX REWFUSED TO ACTIVATE THE INSURANCE THAT SHOULD OF PAID THE ACCT THEY HAVE SENT THE ACCT TO A COLLECTIONM AGENCU MEANS THE BANK HAVE COMMITTED FRAUD THEY SHOULD BE PUNISHED
Consumer complaint received 2023-05-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2019-04-17
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. (GA)

Inaccurate payment history reporting on all 3 credit reports for XXXX. Information reported differs ; XXXX   payment history shows last payment made on XX/XX/XXXX ( which is incorrect ) and paid as agreed through XX/XX/XXXX. XXXX  payment history shows scheduled payment of {$38.00} on a charge off account and paid as agreed through XX/XX/XXXX, which differs from XXXX. Equifax payment history shows paid as agreed through XX/XX/XXXX, but date of first delinquency of XX/XX/XXXX ; also account was sold but not noted on reporting. If reported accurately the information should be the same between all 3 bureaus. This was previously disputed, however, information reported remains the same.
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the list of the erroneous inquirie reporting on my Credit Report : XXXX XXXXDate of Inquiry : XX/XX/2021 2021