davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (GA)

My mortgage with Ocwen servicing In 2014 I received XXXX IRS for {$57000.00} cancellation of Debt. Move forward XXXX I requested a pay off amount PHH Mortgage servicing has added the {$57000.00} back to my mortgage. I informed the escalation department of incorrect information amount. I am in the process of selling my house and now I have to go once again to inform of fraud behavior that PHH is continuing from Ocwen.
Consumer complaint received 2022-09-28
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. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC (WA)

I am trying to pay off my loan early and make automatic payments biweekly. I also want to pay more than the minimum payment. I have completed the required paperwork. ( They do not have this ability on their website. ) However, they have not updated my payment information. When I try to contact them via phone I get stuck in an endless deadend loop and am not able to talk to anyone. I did get a hold of someone once, and they said the issue was resolved. However, my payments still have not been updated. This is honestly the worst customer service and the worst internet interface of any mortgage company I have worked with. It's not the employees, but the processes are set up to indicate that they want to make it difficult to get help.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (RI)

Foremost, XXXX  XXXX is in violation of 20 U.S. Code 1232 G. It is illegal to report any transactional history including balances, negative remarks and late payments. I am requesting a date of paid as agreed. Furthermore, it my understanding this indebtedness is considered a Certificate of Indebtedness and was charged off and/or paid in full in XXXX. Due to this being considered income, this charged off account should be paid in full and closed from all credit reporting agencies under 15 U.S. Code 1681. Also, interest made from Treasury coupons should be credited to the account. Please consider this, your opportunity, in good faith, to correct. Per the Family & Educational Privacy Act of 1974, under 5 U.S. Code 552, XXXX  XXXX is in violation. I did not knowingly consent to my information be sold or given to any third party companies including XXXX, XXXX, Equifax XXXX XXXX XXXX XXXX XXXX, etc. As previously stated, it is illegal to report transactional history, per 20 USC 1232 G under 34 CFR 99. Per 15 U.S. Code 1681, the companies are lawfully not allowed to report this information without my consent. Per the FRCA, as a federally protected consumer, I am opting out of any and all authorization, I the consumer, may have given said companies to any include written, unwritten, verbal, non-verbal consent, to use, purchase, or report this information, indefinitely, per 15 U.S. Code 6802 under 34 CFR 685.215. Also note, 16 CFR 313.7
Consumer complaint received 2018-12-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (IL)

Even though we missed a payment in XXXX we have worked our way back to paying by the month. The mortgage company has indicated of foreclosure because the representative is complaining we haven't paid by the XXXX of the month. We told the representative it would be paid by the end of the month. As I mentioned we pay by the month. I am XXXX and unable to work and get paid on certain days and that can't be changed. Now the company Ditech has hired a 3rd party agency who drops off a blank envelope to hang on my door. Ditch had done this to us before and we have warned them not to do this. Number 1 it is illegal and harassing by law for a 3rd party to deliver more than once. Number 2 leaving something hang on the door attracts thieves to a person gone from the premises. I've sent a warning to Ditech to share with this agency that he will be arrested by the Sheriffs Office for harassment. Our payment record will show we often pay more than required to offset the escrow from the loan. This action against a U.S. citizen with XXXX is inappropriate and shows you where we are as a society.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I tried to apply for a car and my credit was ran multiple times to lenders that I did not authorize to use. PLEASE REMOVE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-27
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. (GA)

I have disputed this account various times for fraud and various inaccuracies on my report. This company has violated my rights under 15 USC Code 1681i and continue to illegally report false information.
Consumer complaint received 2018-07-12
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 (MN)

I found out that there was fraud charges on my Discover Card by checking my credit report. The balance on the card is fraud and when I reported it to Discover, they failed to process the dispute and now there reporting me as late.
Consumer complaint received 2022-01-28
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. (CA)

Hi I am submitting this XXXX XXXX without 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 year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-01-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NJ)

Theres too many dates to listed. I have been impact by covid. I have done my best to maintain account with funds. What I dont understand is if the account is low or has no funds then why wound the bank go ahead and paid leaving a negative and then charging overdraft fees. I have bit sign up for a protection and I have tried to address the problems numerous times and I get the same reason that they have the right the charge the overdraft fee. Well if you have the right to charge the fee then you also have the right to decline payment. I need this to be address and stop. I have been negatively affected by this and covid and its so unfair and no justice.
Consumer complaint received 2022-01-28
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. (CA)

TransUnion XX/XX/2020 XXXX XXXX shows on my credit report as an inquiry when I did not authorize this. I need this deleted/removed from my credit report. 

XXXX XX/XX/2020 XXXX XXXX shows on my credit report as an inquiry. I did not authorize this. I need this deleted/removed from my credit report.
Consumer complaint received 2022-01-28
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. (NJ)

On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

I was intimated by XXXX that my credit score was downgraded 27 points. This was in the same month that I have successfully paid off my mortgage without a single delinquency. I called all three credit bureaus to no success, no one could tell me why and from where the deliquency was reported.

I called FICO who charged me {$59.00} just to see my report which they said they couldnt comment on till they saw it. They have promised to reverse the charges but I dont have that just yet. All this was on XX/XX/XXXX and XX/XX/XXXX. 

I finally found out that a delinquency already reported in 2017 was again reported this month thereby dropping my score by 27 points. This is extreme carelessness and this is on a account that is CLOSED. 

Everyone is making me run around in circles to figure out who will fix this. XXXX that originally started this drama over {$8.00}, wont talk to me because the account is closed.
Consumer complaint received 2022-01-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: GOLDMAN SACHS BANK USA (VA)

The Arbitration provisions of the Deposit Account Agreement of Goldman Sachs Bank USA ( " Goldman '' ) requires the mailing of a " Claim Notice '' prior to one initiating a lawsuit, arbitration or mediation. The same Deposit Account Agreement referenced the Privacy Notice of Goldman which pertains to the collection of personal information and states, in part, that ( i ) Goldman may begin sharing personal information 45 days after the opening of an account, and ( ii ) Goldman shares personal information for purposes of joint marketing with other financial companies, Goldman 's everyday business purposes, etc. The definition of " personal information '' includes trade secrets, commercial information, and the like. 

The issue is that an amount holder can run the risk of delivering sensitive information such as trade secrets, commercial information, and the like, in a " claim notice '' without receiving remuneration for doing so. An amount holder would have to have " funds '' to litigate, arbitrate or mediate, and can easily have the personal information that the amount holder shares via the submission of a " claim Notice '' stolen simply due to the attrition that is very likely to occur by going through the processes- against a financial institution that presumably has access to millions upon millions in " funding '' - of submitting a claim notice and waiting, then initiating a lawsuit/mediation/arbitration and then having to deal with that while also having to handle the general demands of life and the rest of society. It isn't fair- not even a little bit The Deposit Account Agreement also contains provisions that reserve the right of Goldman to act in accordance with the Deposit Account Agreement even if Goldman refrains from exercise of an act ( or if Goldman is not required to act yet does ). This leads me to believe that Goldman can handle my request for a fair resolution.
Consumer complaint received 2022-01-28
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. (OH)

I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and an FTC report. I resolved by speaking with the company, but still no proof of the original consumer contract so please delete it.
Consumer complaint received 2022-01-28
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. (MA)

On XX/XX/2022 I contacted EXPERIAN and opened an identity theft dispute for, XXXX XXXX, a fraudulent account on my credit file. On XX/XX/2022 I submitted supporting documents ( online and via mail ), including a Federal Trade Commission identity theft report along with a police report. I also requested that this account be removed and BLOCKed from my credit report. According to FCRA 15 U.S. Code 1681c2 the information must be blocked within 4 business days of receiving identity theft supporting documents. However, this fraudulent account remains on my credit file. According to EXPERIAN, it will take 30 days for them to complete an investigation, not 4 business days. Note that all documents submitted to EXPERIAN are attached to this complaint.
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (WI)

Notice the following inquiries on my report. I did not initiate. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Financing  XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers XXXX XXXX XX/XX/XXXX XXXX XXXX FINANCE Credit Cards Issued by Finance Companies XX/XX/XXXX XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX - XX/XX/XXXX Equifax XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX EQUIFAX XXXX XXXXXXXX Mortgage XXXX XX/XX/XXXX XXXX EQUIFAX XXXX Credit Bureaus/Mortgage XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX MORTGAGE Mortgage Companies - Finance XX/XX/XXXX XXXX XXXXXXXX XXXX Mortgage Companies - Credit Union XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXXXXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX XXXX Sales Financing XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Mortgage Companies - Credit Union XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Companies XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Bureaus/Mortgage Processing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX
Consumer complaint received 2024-01-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant Mercantile Agency (CA)

Grant mercantile Inc has sent me a bill and/or to collections for a medical bill regarding an ambulance service from XX/XX/XXXX. I had XXXX insurance at the time and they paid the bill. I contacted both the collector and the insurance company to reconcile the matter. As of today, XX/XX/XXXX, I received an alert from XXXX stating that I now have a negative item on my credit and that it dropped by XXXX points. I spoke with XXXX XXXX on XX/XX/XXXX. They are resolving this discrepancy. I want my credit report corrected by the collector and also the rating to change accordingly.
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

The XXXX XXXX XXXX violated my consumer rights by reporting inaccurate alleged late payments. Fair Credit Reporting Act said information should be reported accurately, because it could and has been damaging to my financial wellbeing and my reputation. I have alleged late payments that are inaccurate being reported on my consumer report. FCRA said that report containing information solely as to transactions or experiences between the consumer and the person making the report shall be excluded from my account. These alleged late payments should be removed from my account immediately and that by me making the credit reporting agencies aware of these violations, if the continue to violate the law and my rights it is willingful noncompliance. These alleged late payments should be removed immediately.
Consumer complaint received 2022-04-12
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)

Upon reviewing my report incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquiries to be removed. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022, XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX XXXXL XXXX XXXX : XXXX. XXXX, XXXX
Consumer complaint received 2019-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (CA)

I have contacted this company through the credit bureaus multiple times to have this unverifiable account removed from my credit report. They are refusing to remove it NOR have they provided me with validation bearing my signature, DESPITE being contacted FOUR times between XX/XX/XXXX and XX/XX/XXXX. It needs to be removed immediately because its affecting my credit report in a negative manner.
Consumer complaint received 2022-01-28
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 (SC)

On XX/XX/XXXX I was charged {$7900.00} dollars on my discover card. I submitted information to discover stating that I had not received services for this transaction. Services for the transaction were to be performed on XX/XX/XXXX. The merchant continued to push the event back due to covid restrictions. I explained to Discover that the merchant had blocked me on all social media platforms and has also changed their contact information when I began the dispute process, making it impossible for me to reach back out to the merchant. Discover closed the dispute and deemed it valid on XX/XX/XXXX. I informed them that the invoice the merchant submitted wasn't even an accurate invoice because I was charged more than the {$7900.00} but it was split between my XXXX XXXXXXXX card and my discover card. The charges totaled {$11000.00} XXXX XXXX  has been able to resolve the situation based on the information that I have submitted, but for some reason discover has not yet resolved the situation. I will attach a copy of both my XXXX  XXXX and Discover invoices proving that the invoice submitted to discover wasn't accurate. I submitted the correct invoice to discover as well as the letter from the account XXXX. I asked discover to send me the invoice that was submitted to them so that my attorney could try to bring this to a resolution but I have not received that copy and i have now requested it 6 times. They told me that I should be able to see the dispute updates online, however i can't access the dispute any more from my account. Today one of the representative told me that the invoice from the merchant isn't even landgable on her side either.