davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-01
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. (CA)

I am writing to appeal a recent credit score deduction. On XX/XX/XXXX2018, I learned that my credit score decreased significantly by about 80 points. So I checked my credit report and discovered that I was overdue on a payment to XXXX XXXX/credit card '' for {$100.00}, which I paid immediately on same day. I had not received any statements by mail as I usually do sinceXX/XX/2018 when I changed my account to a paperless and had not received any email notices either. For your reference, I have not moved nor experienced any issues with our mail delivery. 
I have been a loyal cardholder with XXXX XXXX for many years and have never missed a payment. I hold nine other credit lines as well and all of the payments have been on time. At that time, I had a enough bank account balance to pay the payment. So I didn't have any reason not to pay the payment. In addition, I was paying the other card payments on time. I think you can make sure that the fact is correct from my credit report. 

So I sent a letter to XXXX XXXX asking that the mistake should be corrected, but they responded that they did the right action, and they sent a bill. Of course they did not mention about the e-mail notice or bill was not sent to me. 

I strongly appeal to correct this unreasonable treatment against the faithful customer. Please investigate this matter and correct this mistake as soon as possible. In addition, Kindly let me know how I can recover my prior credit score and if there is any other information I can provide to facilitate this process.

Thank you for your assistance in advance.
Consumer complaint received 2019-01-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AZ)

Attempted to pay the mortgage payment online. Was informed on phone that payment would have to be made tomorrow. In view of the past reputation of Wells Fargo concerning how they treat their customers, how is this allowed? XXXX had no problem accepting an auto loan payment today, as it appears they have do not have to earn another day 's interest on the payment amount.
Consumer complaint received 2020-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (GA)

I attempted to pay my XXXX mortgage payment on the Dovenmuehle website as I have always done. I received a message that I was unable to complete my payment at that time. After several attempts with the same error message. Dovenmuehle does not accept phone calls. I reached out to Dovenmuehle on XX/XX/XXXX on their secure message center regarding the situation. As of today XX/XX/XXXX, my message has not been answered. 
My concern was that I was unknowingly placed in a forbearance status after simply inquiring about it. I did not sign the agreement received in the mail because the wording was ambiguous to say the least and I was unable to reach anyone by phone for clarification. 

A check of my credit report shows my mortgage balance increased, which has impacted my credit score. Finally, I received a letter today notifying me that my mortgage is being transferred to another bank after it acquired my loan from the original bank I refinanced through. 

I want answers to the questions raised and have yet to be answered. Why was my account blocked from making online payments when this is the only payment method Ive used? Was my mortgage placed in a forbearance status without my consent, and despite not missing any payments? Why was inaccurate balance information reported to the credit bureau?
Consumer complaint received 2019-01-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

Because of my illness and divorce I became delinquent in my mortgage payments. All notification regarding the delinquency was sent to another address and not the property address or my mailing address.  In fact I correspond with Ocwen mortgage for month at I current mailing address and the foreclosure attorney was sending paper work to my old address.  Ocwen eventually sent foreclosure paper work to my current mailing address but it was for some else property! I have that paper work! Prior to the foreclosure sale date I filed bankruptcy and it was dismissed two weeks later because the attorney didn’t file the schedule in a timely matter.  So the mortgage company allowed me to file for another short sale and I did along with the submition of a rectified contract and was advised by Qcwen loan servicing that my short sale was denied because it has to be filed within 37 days prior to the sale date.  I advised them that when you offered it to me it was within that time frame because the complete package was submitted that same day which men’s that Ocwen know that when you offered me that option! Then Ocwen offered me a modification and stated that the time factor didn’t matter.  Several days later I received notification in the mail that it was denied because of the timeliness of my filing! Ocwen is playing games! And needs to be investigated! Months ago I requested a deed in lieu of and was advised that I couldn’t apply for that option without giving Ocwen time to review my file so I held on the phone for the review and was advised to apply for another mortification.
Consumer complaint received 2018-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (OH)

XXXX is the previous complaint that was closed. The attachments are included with that complaint. 

XXXX added almost $ XXXX in interest to my account even though I turned in my application on time. They state the application was incomplete, however refuse to point out on the instruction sheet where I did not follow directions. I was in constant contact with them because they told me a different thing every time I spoke to them. I continued to follow their verbal directions. They eventually told me to resubmit the entire application. I did and then they told me it was too late and added XXXX to my loan. 

I filed the complaint with cfpb. They emailed me and stated they should have used the previous years income before counting it as late and took off the interest they had previously added. cfpb closed the case. XXXX then added the interest right back onto my account once the case was closed with cfpb. I emailed them again, and they sent me emailed and voicemails stating they are allowed to do this and literally restarted the entire issue. Every time I try to call, they act as if they have no clue about the entire case. They are continuously trying to ruin my credit. My XXXX in loans is now up to XXXX, which I will never be able to pay because they illegally added interest. They stated again I did not have the application in on time. Which I did. They stated it was incomplete and keep telling me reasons, but none of these reasons are actually on the directions sheet.
Consumer complaint received 2023-03-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (FL)

I involved in a traffic accident on XX/XX/XXXX XXXX. While I was continue to pay the installments of the car, lender suspended my account and started to add amount to my loan every month. I tried to reach and learn about my account status many times but it is impossible to take a response about my loan. They dont provide interpreter and dont ssnd the information written. They hang up the phone while waiting for the rsponse. I sent them message via app, they never give a respond. The insurance company will pay the car and they give an incredible pay off amount to the insurance company which left me with a huge debt. My debt on XX/XX/XXXX was {$16000.00} My debt on the app now XX/XX/XXXX. {$19000.00} They give pay off amount 45 days ago {$35000.00}
Consumer complaint received 2019-01-01
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am writing to appeal a recent credit score deduction. On XXXX-XXXX-2018, I learned that my credit score decreased significantly by about 80 points. So I checked my credit report and discovered that I was overdue on a payment to 'Capitol One/credit card '' for {$100.00}, which I paid immediately on same day. I had not received any statements by mail as I usually do since XX/XX/2018 when I changed my account to a paperless and had not received any email notices either. For your reference, I have not moved nor experienced any issues with our mail delivery. 
I have been a loyal cardholder with Capitol One for many years and have never missed a payment. I hold nine other credit lines as well and all of the payments have been on time. At that time, I had a enough bank account balance to pay the payment. So I didn't have any reason not to pay the payment. In addition, I was paying the other card payments on time. I think you can make sure that the fact is correct from my credit report. 

So I sent a letter to Capital One asking that the mistake should be corrected, but they responded that they did the right action, and they sent a bill. Of course they did not mention about the e-mail notice or bill was not sent to me. 

I strongly appeal to correct this unreasonable treatment against the faithful customer. Please investigate this matter and correct this mistake as soon as possible. In addition, Kindly let me know how I can recover my prior credit score and if there is any other information I can provide to facilitate this process. 

Thank you for your assistance in advance.
Consumer complaint received 2019-01-01
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY (NJ)

XXXX card customer identification number XXXX statement closing date XX/XX/2018 shows a duplicate purchase charged to my account in error. Have tried to rectify with merchant with no success whatsoever. The purchase date is XX/XX/2018, the amount is {$15.00}, item was only purchased once!
Consumer complaint received 2022-07-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (NC)

Medical Data Systems d/b/a Medical Revenue Service is in complete violation of 18 USC 8, which states all debt is an obligation of the USA. In addition to try and make me pay this ALLEGED DEBT, puts them in direct violation of False Claims Act ( FCA ) 31 USC 3729-3733. 

A contract between me and Medical Data Systems was never given, there is no wet signature from I, THE CONSUMER that puts me in business with them. They are violating 18 USC 894 for trying to coerce and swindle me into making payments. In addition, I never gave ANY authorization for them to have my personal information in which they illegally obtained according to 18 USC 1028A, aggravated identity theft. 

I DENY BEING LEGALLY OBLIGATED TO PAY ANY AND ALL ALLEGED DEBT TO MDS AND I DO NOT CONSENT TO CONTRACT, at all. MDS is now civilly liable to me under 15 USC 1692k.
Consumer complaint received 2019-01-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (NY)

My loan is currently serviced by CMG Mortgage. They keep telling me that my loan needs to be seasoned or at least five years old before they can remove PMI. Otherwise, my LTV needs to be 75 %. I tried to do a loan modification on my loan, and they gave me the runaround. They also did an appraisal, and the value of the home came back where I would have 80 % of equity. I would like my PMI to be removed. They are unwilling to help me, and we are paying a lot of money for this insurance.
Consumer complaint received 2019-01-01
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. (NY)

Previous complaint sent regarding issues with equifax and having my credit card closed due to equifax contacting credit company to have my account closed due to an error on equifax end with my social security last 4 digits being incorrect. I submitted all forms requested by equifax and received a credit report in the mail ( finally as i was never able to receive a credit report prior ). However i am still unable to access my report online even with using the confirmation number from their own report mailed to me. I am unsure if the company has my correct full social security at this point and questions asked to identify myself is not correct and do not belong to me. 

I contacted equifax by phone a few days ago and no help was offered. I want to open a credit card but fear it will be closed again due to equifax and destroying my credit once again.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Yes, I have historical notes on this one with the company and on here but XXXX took an additional payment of {$300.00} from me in XXXX and it was never recovered or applied to my account correctly. They have never recovered my money and continues to harass myself my cosigner ( XXXX ) for payments most times after I have already made a payment. I would like to see a ledger in case I am in fact wrong and recently asked for one and I hav n't seen it in the mail yet. I have continued to pay since XXXX regardless. That payment has not been recovered and the balance has not decreased. I have even asked for a full account ledger. My cosigner also said that you took money from him for a consolidation program .... ummmm what? What are you talking about consolidation program? Those loans should all be paid at one time via one payment that's the only consolidation I know of. Please explain my payment history and the credits to my account from XXXX. We don't want to talk you guys either but I would personally like to go over my ledger and apply credits or adjustments to my account and our credit reports as needed. Thanks.
Consumer complaint received 2019-03-31
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

This company ran my credit without my consent. I have never applied nor contacted them. I never authorized them to run my credit. I have contacted them several times with no resolution.
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. Please remove any other variation on my name it is not accurate. My DOB XXXX. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. 
My employer is XXXX I have had issues with unknown addresses on my credit report please remove the following addresses they are not accurate : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following phone numbers are not mine please remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2023-04-01
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)

To whom it may concern, The credit bureaus continue to disregard the law. I showed them multiple times how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus are required to modify or delete accounts that are not reporting accurate information.

According to 15 USC 1681b ( 1 ) the credit bureaus do not have written permission.

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 confirmation of errors.

A person shall not furnish information relating to a 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 accurate.

The credit bureau has no respect for laws, and I expect them to be held accountable.
Consumer complaint received 2022-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (GA)

Received emails and letters from Debt collector from XX/XX/XXXX until the present. I have requested validation via email and certified letters for validation of the debt. 
Dates request validation : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX the debt collector states they have received a dispute and will stop collection under debt is validated, I have not received anything showing validation. They keep emailing and calling me ; also they have placed the debts on my credit reports.
Consumer complaint received 2019-01-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (CA)

Recently I purchased a property and locked the loan through PNC Bank XXXX XXXX, XXXX XXXX ( Mortgage Loan Officer ) - NMLS ID : XXXX. I quoted the loan with XXXX XXXX on XX/XX/2018 and he promised it can be closed on XX/XX/XXXX. I thought it is perfect timing because my lease ending date is XX/XX/2018. However, it is a mistake to decide to work with XXXX and XXXX. Their irresponsible promise and carelessness service made me into very stressful situation and caused me a loss of {$960.00}. 

Starting XX/XX/XXXX I begin to submit materials requested. The loan processor I worked with is XXXX XXXX, NMLS # XXXX. For any materials he requested, I submitted to him promptly. He promised the close date is XX/XX/2018 until XX/XX/2018, he told me because the confirmation of my XXXX status, he could only submit he project review on XX/XX/2018 and my loan would be delayed to be closed on XX/XX/2018. 

At that time, I already give notice to the landlord which means I must move into the property on XX/XX/2018. 

However, I trusted him I can still move into the property though it is inconvenient to me. In addition, my parents is visiting me from XXXX and we planned to be on vacations during holidays. 

After that, he kept on telling me everything is on track and we would be close on time until XX/XX/XXXX, he disappeared. He responded the next day and told me the bank wouldnt close the loan and the bank would not be responsible for any expense of hotel. He kept on lying to me he could cancel the loan or the loan would be close on this date and that date. 

Because his dereliction of duty, I have to pay {$120.00} a day to live in hotel for a total of {$960.00}. 

The delay ruined my entire holiday plan. I canceled the trips to south California because the loan wouldnt be closed. I would not go with PNC if they have told me the timeline in the first place. I think the whole practice is against UDAAP. 

Besides, XXXX promised to provide the project review copy but he did not. He again lied to me.
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

transunion has failed to provide EVIDENCE of debt to include documents of claim, copy of unpaid bill or other evidence that with late payments. Dates are all wrong I never had late payments with XXXX XXXX 120 Days Late XX/XX/2013 Opened {$0.00} High Balance {$0.00} Balance
Consumer complaint received 2019-01-02
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

Credit reporting companies are reporting wrong information about a collection account with XXXX. Account number XXXX 120 Days Late XX/XX/2013 Opened {$0.00} High Balance {$0.00} They have wrong dates, wrong information being reported on my record and they have failed to provide me with EVIDENCE of debt to include document of claim, copy of unpaid bill or other evidence of payment violations. They are also reporting incorrect year on my credit reports.
Consumer complaint received 2019-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I took out these loans in XXXX-XXXX. they are Parent Plus loans. When I took them out I was XXXX a XXXX XXXX making very good money. And I planned on paying them with my yearly bonus. They were substantial. to make a long story a little shorter, the company went out of business. I lost everything I had invested there & all income.ever since I have tried to get a payment I could afford. I went from XXXX & finally Navient. Every time they would give me something I could handle, they would wind up increasing them to a payment I could not afford. I have been living on about 60 % of what I making before. I lost my home, had to buy a vehicle. ( My truck was taken by my employer when I was released. Said it was company vehicle. I had bought it thru the company. Never thought to get the title ) .I went to several companies to handle my loans. One was XXXX XXXX. They went under. Went to XXXX 2 years ago. They got me a XXXX payment for a year, XXXX again this year. I understand they were shut down. I have never tried to get out of the loans. I just want a payment I can handle. Don't care if it is for the rest of my life.I will be XXXX years old in XXXX. I had to retire in XXXX..Could n't do my job well enough. Not in the best of health, working part time. need help. 
Thank You, XXXX XXXX Than