davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Evergreen Moneysource Mortgage Company (WA)

I have a loan that closed with XXXX XXXX on XX/XX/XXXX. There was never a final inspection or appraisal done as required by the Holdback agreement signed at Escrow and was to be executed and funds released AFTER ALL REPAIRS WERE FINISHED, INSPECTED AND A XXXX APPRAISAL WAS COMPLETED TO INSURE THE VALUE OF THE HOME HAD NOT DECREASED. I have requested the FULLY EXECUTED HOLDBACK AGREEMENT from XXXX and they have REFUSED TO RELEASE IT TO ME. Instead, they sent a fraudulent agreement, that proves we were not satisfied with the Holdback agreement. We also can prove XXXX made us sign off on the Holdback repairs under duress. If we did not sign, they would return the {$2000.00} to the seller and we would be liable for all repairs. XXXX  and the contractors that did the repairs would be able to apply a lien on our home. XXXX NEVER DISCLOSED TO US THAT THEY WAIVED THE FINAL INSPECTION AND APPRAISAL/XXXX  UNTIL A WEEK AGO. They omitted and never disclosed this on any Loan Disclosures prior to closing. XXXX NEVER planned on following the Holdback agreement. They received the {$2000.00} from Escrow prior to the repairs ever starting, which is a breach of contract and then never paid one of the contractors. ( The contractor had to contact me to get paid. They received payment on XX/XX/XXXX. ) XXXX NEVER DISCLOSED ANY DAMAGES DONE BY THE SELLER, THAT WE REPORTED TO THEM 3 DAYS AFTER CLOSING AND PRIOR TO ANY REPAIRS BEING DONE. A final inspection and appraisal would have prevented this home loan from ever going through and XXXX knew this. They interfered with a contract to benefit from the loan. They did not look out for our best interest when they became the fiduciary, by taking control of the money for the Holdback agreement and then not FULLY EXECUTING IT AS WRITTEN. 
We have contacted XXXX XXXX XXXX XXXX to get a copy of the signed Holdback Agreement. As you can see, both the Escrow agent and XXXX did not follow the Agreement. Funds should have never been released. I spoke to XXXX in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They will tell you I never spoke to anyone until XX/XX/XXXX, but that is another misstatement by XXXX, who has denied that they had to follow the Holdback agreement. Only WE WERE FORCED TO FOLLOW THE TERMS OF THE AGREEMENT. According to XXXX, they COULD WAIVE ALL OF THEIR DUTIES BECAUSE IT WAS A " IN HOUSE '' AGREEMENT. That is not what we signed at Closing. 
XXXX has refused to speak to us any further. They state they have educated us enough, even though they have not fulfilled our QWR to turn over ALL signed Documents in our file. They sent 355 pages, 2 appraisals, but refuse to send the FULLY EXECUTED HOLDBACK AGREEMENT or THE SIGNED WAIVER OF THE HOLDBACK AGREEMENT, that would have disclosed the change of this document prior to closing. 
I have emails showing our duress as XXXX enforced the Holdback agreement. Never once did they ask if we were satisfied with the repairs or if we inspected them, but insisted the form was signed, or the contractors would not get paid.
Consumer complaint received 2018-04-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

I refinanced my home and left Ocwen for XXXX  closing loan on XX/XX/XXXX

At closing, XXXX XXXX XXXX. extracted {$700.00} from the closing amount to pay property taxes due by XX/XX/XXXX. Ocwen claims they paid the taxes from escrow they collected and withheld that amount from overpayment and escrow refunds.

XXXX XXXX and XXXX XXXX provided copies of the same cancelled check from XXXX. XXXX  has no record of Ocwen check.

Ocwen can't find check and won't release the money. They've stopped responding. It is well past RESPA deadline.
Consumer complaint received 2021-10-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC (WA)

I took out a car loan for the purchase of a used car in XXXX of XXXX With global lending service at a very high interest rate of 24 %. I had XXXX credit at the time and that is why my interest rate is so high. I had a 100 % payment history up until until XX/XX/XXXX. I called And explained that I had been diagnosed with a XXXX  XXXX and had been Suffering tremendously from my XXXX, Having become a XXXX  XXXX XXXX  And being subsequently fired from my job for that reason. I explained that I was experiencing an undue financial hardship and requested some type of reasonable accommodation. I was told by whom I was spoke with that they would put ahold on my payments to give me more time and guaranteed me that this would not be reported to the credit bureau. Local lending services do not offer refinance they are a creditor. Someone with a 100 % payment history and who is in the process of increasing their credit score should be able to have the opportunity to refinance And have a smaller payment. Within 30 days of my 1st late payment someone reported it to the credit bureau and it has literally destroyed my credit score Which at this point is making it absolutely impossible for me to find a rental home because I am in the middle of being a evicted. I have been offered no lower monthly payments, no option to refinance, and it's, no help whatsoever. It was my understanding that under the American with disabilities act creditors are required to offer customers Who have disabilities that are preventing them from working and paying their bills on time, are reasonable accommodation. This has literally ruined my life And will most likely be the reason that I Become homeless.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is in regards to a XXXX  account. The exact account will be included in the attached documents. I have contacted the company directly, and they refused to remove or update any of the information. I then contacted each credit bureau and they also refused to take any action. I made a complaint to CFPB regarding the company, the answer that the CFPB gave was that they sent me a letter -the company simply refused to correct or delete any of the incorrect information. I proceeded to submit CFPB cases connected to the credit bureaus lack of action, and pointing out the issues, as well as the companies lack of action. I implore you to review the documents attached, as I have gone in to explicit detail regarding the lack of action in regards to my complaint and disputes. Fast forward nearly two years and the account continues to be inaccurately and unfairly reported to my credit report. I do not have knowledge of this account, first of all. Additionally, because the account is reported differently across all three bureaus the negative impact is varied. This continues to damage to my credit, causing me to suffer with paying higher than average interest rates on my housing, car, and insurance.
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed address information with XXXX. I have also received three different credit reports from XXXX showing they have deleted the former addresses. They still currently appear on my XXXX  credit report. They are refusing to remove the old addresses even though dispute is completed.
Consumer complaint received 2021-10-23
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. (TX)

FINAL WARNING BEFORE FEDERAL LAWSUIT. I have sent in my TransUnion Assisted Identity theft affidavit, along with my notarized intent to sue attached below. I do not give TransUnion consent to furnish fraudulent items on my consumer report and no consent is identity theft, also, TransUnion has violated 15 U.S. Code 1681b ( a ) ( 2 ) : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2021-10-23
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: EQUIFAX, INC. (GA)

I have checked my credit reports and found items that do not belong to me, so I contacted the credit bureaus. I sent them my dispute letter along with the ID theft report and it has been more than 30 days since then. But I never receive any response as of this writing. I am asking fopr y our help coz those items are ruining my creditbility. Please remove them from my file
Consumer complaint received 2019-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Beginning XX/XX/2019, my Capital One credit card is locked up after every 1-3 transactions for a fraud alert. ALL of the transactions have been either near my house, near my work, or online at regularly visited reputable websites like XXXX. I call Capital One, verify my info in excruciating detail, they clear the card and I can use it 1-3 times and it gets locked up for fraud alert even using it at the exact same merchants. I call Capital One, spend approximately 50 minutes on the phone each time, have to verify all info including taking photos of my driver 's license which I think is very unsafe. This process repeats every day or few days. Not once during this three week period has there been even one fraudulent charge. I have asked Capital One to fix this problem and have been told there is no one there I can contact nor is there anyone there that can fix my problem. I requested a replacement card initially thinking I might have a problem with my chip. Afterwards it began giving problems for online ( i.e. not swiped ) transactions so I am not thinking this will help. Regardless, they sent a card taking over a week with the EXACT same expiration date and security code. If Capital One is so worried about possible fraudulent charges that they lock up the card almost every day, why would they send the exact same card? Answer is they are incompetent. I feel like I am being harassed by Capital One with this terrible customer service. I feel like I should be compensated for my time, inconvenience and embarrassment of having my card constantly declined. I easily have over ten hours of time invested in this issue. Capital One has consistently stated that every merchant has sent them the wrong information. Really??? 20+ merchants sent the wrong information? I don't think so. They also can't explain if that was the case how on websites where the info is saved ( like XXXX ) the exact same info will work once after they reset the account but the next time the account is locked up. The incompetence at Capital One in regards to this technical issue would be laughable if it weren't such a huge inconvenience.
Consumer complaint received 2021-10-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (CT)

As above, so below, THE ALLEGED OWED CREDITS, CONSIDRED IN SPEECH BY XXXX INCLUDE A " BILLING ERROR '' .ON SOME DELAY IN MEMBERSHIP BILLING ACCOUNTS, INCLUDING THAT OF Said name Private individual XXXX XXXX XXXX XXXX was not in fact a natural born soul XXXX XXXX XXXX , for a {$20.00} * for updated billing fees, that were not agreed upon in terms of the original agreed contract, based on principal This transaction, if not authorized to debit the checking or debit card of XXXX XXXX appropriately identified and ACH or debit card from fraudulent once the private residential and private individual 's mailing address and banking information was updated, was changed, the correspondence was not represented as cited in Title 9-102. UCC Article 9 - secured Transactions Further more, pursuant to the U.S. Title 15 US Code 1681 ( m ) ; the collection agency, did not properly portray their interest in this contractual agreement, provided a contract under agreement to provide legitimate credit from signer, who is responsible for the Application of payments ; BURDEN OF ESTALISHING, this creating a transaction in the scope or hidden fees. TRANSWORLD SYSTEMS INC. COLLECTION AGENCY VIOLATED THIS 15 US Code 1681 ( m ) which transgresses into the realm or jurisdiction of a U.S. Admiralty laws between a creditor and debtor ; of which within the communication the acquiesced contract was not honored, due to improper representation of which party in fact is the debtor or creditor.
Consumer complaint received 2019-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I requested an investigation of error on my credit report back in XX/XX/2018. My understanding was that the credit bureaus were supposed to complete their investigations and respond back to me within 30 days, or the contested items would be deleted. As of today, I have not heard back from any of the bureaus, and the disputed accounts are still reporting. I have even sent two follow-up letters ; both of which have apparently been ignored.
Consumer complaint received 2018-04-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP (CA)

It is ashame to see that after Mr. Trump deregulations the banks immediately jump to increase their profits by unfair polycies : US Bank is sending notifications that starting XX/XX/XXXX they will charge {$25.00} ( rounded ) to checking accounts if clients do not maintain {$25000.00} in deposit or balance in credits with them. Is this the intention of Mr. Trump polycies? Can CFPB do something about this?
Consumer complaint received 2021-10-23
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: National Credit Adjusters, LLC (AZ)

National credit adjusters put a bill on my credit reports that is completely incorrect. They say on the credit report the bill is from XXXX but the bill they sent me was dated XX/XX/XXXX which is past the statute of limitations for collections. I contacted them and asked for the copy of the bill and what they sent me was a typed page with bill details from a XXXX XXXX whom I do not know. Also they sent the bill to me under XXXX XXXX and I have not been XXXX XXXX for 15 years. They have crossed the line on many levels here and my concern is they can just post anything to anyone 's credit report
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (GA)

PNC bank had recieved notice that i wouldnt be able to financially keep a vehicle so i did a voluntary repo. My wife lost her job due to working overseas and the covid situation over there shut her down. I lost a big amount of income and pnc bank wouldnt help me or anything to continue loan such as modifying vehicle payment. Ive sent out documents requesting my contract information and all above. I have tracked the mail as well. I even called coorporate and no one will send me information on this. I disputed these things with XXXX  XXXX  and XXXX because they keep saying i paid something on it and i never did. That account has wrong information and for the laws they are required to remove it unless proven otherwise. No one has proven anything and pnc bank will not send me my contracts or anything. Please help i dont know who to turn to because pnc bank are doing illegal things especially i never made a payment and they said i paid XXXX dollars.
Consumer complaint received 2018-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Atlanticus Services Corporation (MN)

I had taken out credit for future services for company " XXXX XXXX XXXX ''. The company then declared bankruptcy and went under and did not give me the services that I had paid for and was continuing to pay on. The dept was sold to company " XXXX/ATLANTICUS '' and they are currently attempting to recover the money.
Consumer complaint received 2018-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (AL)

My father passed away in XXXX. He has a POD account with PNCbank. PNC refuses to admit the account is pod even though it is marked pod on his account statement and will not talk with us without an executor of the estate. With pod you dont need an executor of the estate.
Consumer complaint received 2019-03-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OK)

I XXXX XXXX had on two separate occasions submitted a loan modification to my mortgage servicer XXXX XXXX XXXX. In XX/XX/ 2019, after clearing waiting for an answer from the previous modification package, I was told that title did not clear due to a lien against my property. I had to do my own research to find out that my divorce attorney never filed a release on his file after being paid in full. I then resubmitted a totally new application, and while it was in final underwriting review, the loan servicing rights were transferred to Mr. Cooper, formerly XXXX XXXX XXXX XXXX. While I was going through my divorce, my house went into foreclosure. I am not financially able to afford a restructured mortgage payment, yet Loan Depot violated every right I maintain under the Fair Debt Collection Practices Act. I have requested a clean mortgage assistance package to be either mailed to me or by email to resubmit a new modification package, and even asked the attorneys for the mortgage servicer to help me obtain this modification application. I need my rights protected and request a mortgage assistance application to be emailed to me immediately.
Consumer complaint received 2019-03-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (CA)

In connection with Ally Financial : this company has been horrible to work with. In the last year since purchasing the vehicle, repeated requests for statements so that we could make timely payments were ignored. We got fed up and refinanced the car through XXXX in XX/XX/2019. We were provided with a verbal 10 day payoff. XXXX paid that amount and added {$200.00} to the payoff as a pad. Ally claims we still owe $ 10+ over and above the payoff amount and refuses to release title to the car. We have sent checks to the payoff address provided, one for {$10.00}, one for  {$11.00} and one for {$15.00} and Ally to date has refused to apply payments. Ally has also refused our several requests for a complete breakdown of how the payoff issued from XXXX was applied. XXXX Ally it seems that we are not the only ones who have had bad experiences with this company. I just want the title released to XXXX and a complete accounting of how the payoff from XXXX was applied : we should not have been short.
Consumer complaint received 2018-07-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Bread Financial Holdings, Inc. (GA)

I purchase the XXXX XXXX  XXXX-2016. I have encountered several errors with the retainers that I received. I would like a reimbursement of funds due to the excessive amount of errors pertaining to sending the correct retainers. I am open for any reasonable reimbursement offers. I have included a letter from my dentist and the cost of the XXXX XXXX  and treatment.
Consumer complaint received 2018-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (CA)

I scheduled a payment of {$1600.00} to be delivered on XX/XX/2018, however, it has not been received by the apartment office up to now. All information I entered including the address is correct. As a result, I was billed a late fee of 5 % of the payment. I contacted Ally bank on XX/XX/XXXX since they should honor the " DELIVERY DATE '' selected on their website and reimburse the late fee due to their service failure, however, it was denied.
Consumer complaint received 2018-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (WA)

In XX/XX/2016, I had 2 credit cards opened up fraudulently in my name by my step father, he maxed out the cards within a day of receiving them and never made not 1 payment. One of them I was able to contact the bank and get it removed from my credit report, but the one with XXXX XXXXXXXX XXXX has been honestly crazy. I have called them numerous times and they still will not remove it although they did an investigation on their end and found it to be fraudelent. They have now sent it to collections and now I have a derogatory mark on my credit and I am not able to get approved for anything, I'm only XXXX now and it's hard to be XXXX over right out of the gate with Credit and i feel as though I will never prosper in life with this on my credit history for a credit card I never applied for nor asked for.
Consumer complaint received 2021-10-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (MO)

I'm currently having an issue with a collection company. They're reporting erroneous information to my credit report that needs to be removed promptly. Its violates 4 counts of the FCRA ( Federal Credit Report Act ) as well as HIPAA ( Health Insurance Portability Accountability ACT 1996 ) Under Section 602 - Reporting Inaccurately.

Section 603 ( A ) ( B ) ( C ) - Sharing Medical Information Section 604 ( 2 ) - Creditor is prohibited from using medical information for eligibility for credit or continued credit.

Section 605 ( 6 ) ( A ) - Provide sufficient information of such service provided Name, Address or Phone.

HIPAA ACT 1996- A health care provider or health plan may share relevant information if : given permission to share the information.

They must have a HIPAA " Released Form '' signed by me. Which they don't have NOT a " Privacy Notice Form ''.

Sharing my information with a company is in fact fraudulent. Also not having the correct address or phone number which is inaccurate.