davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-19
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MO)

After turning in my loss mitigation application, Ocwen representatives provided me with inconsistent and inaccurate information about the status of the decision on my loss mitigation package. Before my loss mitigation application was denied, I spoke with an Ocwen representative who told me that they successfully received a purchase offer for my property - from my realtor - and had ordered an appraisal/XXXX in order to process a short sale on my property. My realtor confirmed that no such offer had been sent to Ocwen. Upon providing the Ocwen representative with this information via a conference call with my realtor, the Ocwen representative reversed their statement, agreeing with us that there was no offer and no appraisal had been ordered. Ocwen 's inaccurate information caused delays in my understanding of my loss mitigation options. Among many things, Regulation X, Section 1024.38 specifically requires servicers to maintain policies and procedures that are reasonably designed to ( 1 ) access and provide timely and accurate information and ( 2 ) properly evaluate loss mitigation applications. Ocwen demonstrated that they do not have policies or procedures to provide me with timely or accurate information about my loan during and after my loss mitigation application was denied, which leads me to believe they are in breach of Regulation X.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (PA)

Self Financial/Lead Bank has submitted False Documentation stating the Account is Past Due XXXX, XXXX, and XXXX of XXXX  but they were paid and the account was closed in XXXX  XXXX.It is hindering my credit score do to the false information being updated i spoke with a few ppl but i can never get anyone to Help me to remove it off my credit report
Consumer complaint received 2018-03-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

As I write this I am in tears since being victimized by IDENTITY THEFT in XX/XX/XXXX and the credit reporting agencies failing over and over and over to remove fraudulent attempts to apply for credit because EQUIFAX breached my identity and they now have my : DOB SSN Current Address All three of the credit reporting agencies were sent VIA FIRST CLASS MAIL a request for 7 yr fraud alert along with copies of the XXXX Police Report filed after my identity was stolen. To date, none of them have put this 7 year fraud alert, and when the 90 day alerts expire, that is when the flood of fraudulent applications appear again as hard inquiries, which continue to plummet by FICO score and I have had to spend hours and hours with the creditors to tell them I did NOT apply for credit, or I have to cancel credit cards that have been used online fraudulently. I have gotten to the point where I have chosen to cancel credit cards because the banks that represent them have failed to secure my identity, and continue to let applications through even though their are security freezes and fraud alerts on all 3 credit reporting agencies.

I had an average credit score of over 800 prior to EQUIFAX ruining my score which has plummeted 25 points and higher because they REFUSE to remove the hard inquiries.

I have screamed at EQUIFAX and they said that they are XXXX   inquiries, and you have to contact them,, over 120 days ago I did just that after being flooded with letters from creditors saying they turned down my credit because of too many inquiries and applications for credit that I DID NOT do.

prior to XXXX  being notified I was told I could put a security freeze, which I do have in place BUT they still have refused to remove the hard inquiries and now my FICO score has dropped 25-40 points since XX/XX/XXXX.

Now I am considering legal action by going to XXXX XXXX XXXX reporters to help me get them to do their jobs and when the Trump Administration 's XXXX, your new Director dropped the complaints and investigation with CFPB on Equifax data breach and I am livid about that.

I can't get any credit because after months the hard inquiries are still on my report. XXXX told me they would do an investigation and remove them! They've done nothing expect ruin my life since I have to field weekly calls, letters, and emails stating I am applying for credit and is this fraud?

that 8 hard inquiries were fraudulent and I provided a POLICE REPORT, I provided correspondence to make the 90 day fraud alert, permanent for 7 years
Consumer complaint received 2015-11-05
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

They keep calling all my family members and parents and telling them to tell me to get a lawyer and should not be going over my business with all my relativesWhen they call my cell never leave a message they threaten on the phone using scare tactics - and asked them to not call family members but they do and family members just hang up on them
Consumer complaint received 2021-06-04
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)

There are XXXX accounts on my credit report that do not belong to me I have tried disputing these with the bureaus as well as the furnishers but nothing is being done I need to remove these from my credit report since I have not signed used or know what these accounts are!! 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2015-12-08
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation (TN)

On line loan.. Every time I log into the website onto my dashboard, I would receive an email of adverse action stating that I applied for a loan on that date, the date i visited my dashboard, and that they were not able to refinance my loan, this has happened more than 3 times, at no time did I ask to refinance my loan, I did not give them permission to pull my credit report, this alone is a violation on their part, I still have the emails of adverse action in my computer, after checking for complaints with the XXXX I have found that I am not the only one who has experienced this. On top of this Avant holds all documentation, consumers are not emailed the documents concerning their loans ... interest is compounded DAILY ... There are deceptive and unethical acts practiced by this company. Every time I complain to the " customer representative '' about what happens when I visit my dashboard I get the response that it will be reported to their IT Department, do they even have an IT Dept?. No attempt to correct this is made on their part, all one has to do is just log in to their dashboard and this will happen as soon as one logs out. This company signs your name electronically to do this, They still have to have your permission to sign electronically, this is yet another violation. This is done even when you need to change your payment date and they talk so fast so that you can not understand what is being said even when you ask them to repeat it they again will talk fast that it sounds like words are jumbled together, this is deception. The times I talked to any representatives, this would be the reaction i would get. I am looking and will be pushing this into further action.
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AK)

On the XXXX of XXXX I called USAA and explained why both off my USAA credit cards has taken too long for them to update my balance when I fully paid both of my credit cards in full payment. Usually, it takes onetime payment, and it clears out my balance. Unfortunately, it took almost two weeks for them to clear out my credit cards. The USAA credit department where verbally rude and unprofessional and giving me a hard time while I tried to explain to them that it never happened to me like this before. I just don't understand why USAA credit card department is being unprofessional and can't even handle my situation. I decide to file a complaint thru the Federal Trade Commision and XXXX  XXXX  XXXX  for their lack of customer service skills and can't help a USAA member like me. Please investigate because I have been calling numerous times before the XXXX of XX/XX/2022 and USAA employees can't even help out. What happened to their excellence customer service skills? Please investigate.
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Transunion had a glitch in their system that violated the rights of their consumers under section XXXX. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that all inquires be removed : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX Bank 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 Bank XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2018-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I used the XXXX through my Bank of America XXXX app. to send {$1000.00} to a person for tickets to a basketball game. The person never sent the tickets and did not respond to my numerous emails/texts/phone calls. 

XXXX had no protection and stated not use XXXX if you do not know the person. 

Bank of America said they could not do anything since I authorized the transaction and it was posted. 

Why is XXXX and BofA allowed to have a transfer service with no consumer protections for scams? XXXX  XXXX  and XXXX have means of getting money back if a consumer was scammed. Further, why is BofA forcing its customers to use XXXX to transfer funds? The consumer should have a choice especially given that XXXX has no protection if a person is scammed.
Consumer complaint received 2018-03-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: VIRTUOSO SOURCING GROUP, LLC. (FL)

I just came back from XXXX in the middle of XX/XX/XXXX. While gone I changed my service provide to a new provider. XXXX was supposed to provide me with a final bill so that I could pass on to my new service provider and get credit for the devices that I own. XXXX  final bill was not correct causing me to forfeit the credits that I would receive from my new service provider. I attempted to contact XXXX starting in mid XX/XX/XXXX on a weekly basis trying to arrange payment arrangements or any other kind of arrangement to satisfy my arrangement to XXXX. XXXX refused to correct my final bill that would allow me to receive the credit owed to me by my new service provider. I attempted to resolve the debt with XXXX. I am unable to pay {$2300.00} all at once. Today I was told that I was referred to a collection agency and XXXX would not accept any kind of payment but the full payment. They also told me that in one week from today I will be referred to a collection agency. I have a security clearance and I cant do that. I also dont have {$2300.00} to give to them. I am prepared to send back the equipment they are charging me for or any other method of trying to resolve this issue. I was referred to a collection agency, XXXX XXXX, and they did not offer any resolution. I have tried for the past year to work with XXXX to get my final bill corrected and they tell me because I didn't notify them that I was changing wireless network providers that they can not help me at all. I actually did call and tell XXXX that I was cancelling the service with them and they offered no help in transition. A year later and now they have a new collection agency, Virtuoso Group, hired to attempt collecting this unfair debt caused by XXXX 's clerical error. I still do not have the money promised to me by my new service provider, XXXX, because of XXXX 's clerical error on my final bill. The clerical error is that the device ( phone ) serial numbers were not correctly matched to my phone numbers. For example : my sons device ( phone ) was listed incorrectly as my phone number and vice-versa.
Consumer complaint received 2018-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (GA)

I have been a long time card customer with American Express. Never missed a payment or had any problems. I received a new offer to spend over {$4000.00} and receive bonus points, flight credits, hotels credits, etc.

Upon using the card to buy something that cost over {$4000.00} my account was suspended and now American Express is asking for personal income information. After going back and forth asking them to grant me my credit as was outlined in the agreement. They have refused to do so.
Consumer complaint received 2015-08-23
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

This debt collector placed negative information on my credit report without notifying me. Furthermore, since this debt collector has not validated that they are legally entitled to collect the debts they have listed, they are RE-AGING accounts listed on my credit reports in an effort to keep them there longer.
Consumer complaint received 2015-06-12
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

WHEN IS MY PAY-OFF DATE ON MY LOAN? WHY IS MY DEBT GOING-UP INSTEAD OF GOING-DOWN. I HAVE NEVER MISS A PAYMENT, NOR RECEIVED A PASS-DUE NOTICE. EXACTLY, WHAT IS GOING-ON?
Consumer complaint received 2022-02-14
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. (VA)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, Experian, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2015-12-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMO Bank, N.A. (FL)

I financed a new car in XX/XX/XXXX with BMO Harris bank. I suffered job loss about a year later and was receiving numerous calls each day late at night from the collection company my account had been sold to. The collection company refused to take any partial payments I was able to make and frequently threatened me with law suits and seizing of property. Once I was able to begin making payments again, I made a payment of approximately {$3600.00} and set up automatic payments thereafter. Automatic payments were taken from my account as agreed upon for nearly two years until my account was bought back by BMO Harris Bank, at which time the automatic payments stopped with no communication or notification to me. It took a couple months for me to track down the correct contact information of the creditor and set up a new automatic payment agreement. For the next couple years thereafter, automatic payments resumed. I called from XXXX to XX/XX/XXXX to request written documentation of all payments made since BMO Harris bank does not provide any sort of documentation of payments made, digitally or otherwise, and also to inquire about settlement options. My then current account representative, XXXX, was out of the office and not available to take messages for approximately 2-3 months that I know of, so I never received any response- not even from other reps in the office. I was finally able to reach XXXX in XXXX, at which time she argued with me over my right to receive a response regarding my account. I requested the written documentation and also a new account representative. I also inquired about settling my account, but was given no options- only further argument. I never received the documentation of payment history I requested ( it was supposed to be mailed to me ). After speaking with XXXX in XXXX and having a new account representative assigned, XXXX more automatic payment was taken from my account on XX/XX/XXXX, after which my automatic payments stopped coming out of my account again. I contacted my new rep in XXXX to find out why the payments had stopped and again to request the payment documentation that had never been received. She responded that my automatic payments had been stopped because I had inquired about settling my account, although no options were given and no agreement had been made. She assured me that she had resubmitted the request for payment documentation to be mailed to me and set up my automatic payments again. My next automatic payment was made on XX/XX/XXXX, after which they have stopped again! It is now XXXX and I still have not received the twice requested payment documentation, and the bank still is not honoring our automatic payment agreement.
Consumer complaint received 2016-04-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I paid 6 trial payments. The 5th and 6th payments were not applied to principle but 1-4 were. They filed a notice of trustees sale around the 5th payment. I currently have an open court case in the XXXX XXXX Superior court : XXXX. It appears to be a clear violation of the Homeowner 's bill of rights. The lawyer fees I have had to pay are expensive and I feel there may be many other people being treated the same way by Ocwen Loan Servicing who could not afford the legal support I am getting. I am asking that you open an investigation into Ocwen Loan Servicing , LLC and what they are doing or should be doing to comply with CA 's homeowner bill of rights.
Consumer complaint received 2018-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I received new credit cards ( old ones expiring XX/XX/18 ). Before activating these new cards I went to USAA member access to review charges, payments, interest and make an online payment. However, the XXXX XXXX was no longer listed among my other accounts. After, several attempts to access the account through alternate web site navigation I gave up and initiated a chat session. The USAA chat agent was unable to locate the account either and referred me to an XXXX  number. I explained it was not my job to find USAA 's lost signature visa account, would have my family switch to another credit card we have and that a USAA customer service manager could call me when / if they were ready to make it right.
Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MA)

On XX/XX/2023, I made a purchase of XXXX from a clothing brand, the website said to give around a business month to allow shipping, which I did, I asked for updates on XXXX but I gave them the month before I attempted to take action, on XX/XX/XXXX, I contacted them asking for an update, they said there had been a manufacturing error, to which I accepted, on XX/XX/XXXX, i left a comment on their page to which they replied saying to allow another month, by this point, I had seen multiple other comments of people who had ordered before me and had also still not received their clothes, so I was a bit skeptical and considering disputing the charge as I thought I was not going to receive my clothes. On XX/XX/XXXX, I DMed the brand again, to which there was no response, I DMed them again on the XXXX, to no response, and again on the XXXX, which is finally the date I had decided to dispute the charge. I had again dmed them the next day, to which i finally received a response, telling me theyd ship my clothes within a week, I was planning on cancelling the dispute if they had shipped the clothes, but they never did. Chime ended up giving me temporary credit at some point. I provided chime with every screenshot Im providing here, and chime still denied the dispute citing that no error was made. I again contacted them once chime had denied my dispute, and was told that since I filed a chargeback they had canceled my order, I was also told by them through email that if I could reauthorize my payment They would send my clothes out to me, I was unable to do anything since I had lost the dispute and chime had taken back the temporary credit, and so I attempted to contact them through email for the past 3 days now, to no avail, complete silence from the brand.
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (AR)

XXXX XXXX, XXXX XXXX! I call and send dispute letters. 

XXXX  XXXX, XX/XX/2022! I called and sent dispute letters. 

XXXX XXXX XXXX, XXXX XXXX I've sent dispute letters and called them.