davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TN)

Discussed payment options with Hunter Warfield, Inc over the telephone on XXXX XXXX, 2015 regarding my debt. I was told by the employee that payment by check was not acceptable and I would only be able to pay by credit card with a {$14.00} processing fee. The company 's website does however state that payment by check is accepted.
Consumer complaint received 2022-08-15
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. (TX)

I sent a CFPB complaint in regards to account for XXXX XXXX # XXXX showing on my report as status " Late '' and showing multiple late payments. This account was not thoroughly verified and has not been corrected in XXXX and transunion. You can not report a close account as LATE. The main complaint of this message is to let you know that you have taken more than 30 days to investigate this. 

It has been more than 30 days, and I have not received any proof that your company verified the accounts thorughly. 

Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that you immediately delete this information from my credit reports. 

Please send me a copy of my updated credit report as soon as the above has been completed.
Consumer complaint received 2022-07-20
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. (FL)

15 U.S.C 1681 section 602 A states I have rights to privacy and reported information about my credit history that doesn't correlate with all 3 credit bureau.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my consent.

In accordance with the fair credit reporting act, these account below have violated my rights. 

XXXX. XXXX XXXX XXXX XXXX. Account # : XXXX XXXX. XXXX XXXX XXXX. Account # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2015-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (PA)

Equifax is frustrating the purpose of the XXXX XXXX Initiative and violating publicpolicy because they are refusing to remove a Withdrawn XXXX tax lien from my creditreport. 
Under the XXXX XXXX Initiative, XXXX if consumers pay their liens in full and the XXXXgrants a consumer a " Withdrawal of Filed Notice of Federal Tax Lien After Release '', CreditReporting Agencies are expected to delete the lien from consumer credit reports to provideconsumers with a fresh start. The new public policy was confirmed by all XXXX credit reportingagencies and their trade organization, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to XXXX XXXX, Vice President of Public Affairs for the XXXX, " I'veconfirmed that all three credit reporting agencies remove withdrawn XXXX tax XXXX. '' XXXX XXXX XXXX, XX/XX/2013, I obtained a Withdrawal of Filed Notice of Federal Tax Lien AfterRelease, and submitted the notice to XXXX, XXXX XXXX, and Equifax. See Exhibit A. XXXX and XXXX immediately deleted the federal tax lien from my credit reports. SeeExhibit B. Equifax however ignored the notice, refused to delete the lien, and determined thatthe lien would be reported as released and remain in my credit file for up to XXXX years. SeeExhibit C. 
In sum, Equifax is violating public policy and frustrating the purpose of the XXXX XXXX Initiative by refusing to delete the withdrawn XXXX tax lien from my credit report. Thankyou for taking this matter under consideration. Please let me know if you need additionaldocumentation.
Consumer complaint received 2015-08-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MO)

Ocwen held our insurance proceeds checks from an XXXX 2015 hail storm which caused damage our home. We have submitted all checks and the requested documentation, other than the certificate of completion, to Ocwen 's Insurance Loss Department. We have also received an inspection - from their inspector - indicating that the repairs are 90 % complete. Ocwen continuously indicates that they are also missing an acknowledgement form ; but, they agree that the fax number and loan number we are using in our multiple faxes containing the 'missing ' acknowledgement form are correct. They refuse to give an email or other method for delivery. They also returned XXXX of the small insurance checks to us, with a letter indicating they had endorsed them - but, they had not. We are now incurring the yet another overnight delivery cost to send the checks back, in the hopes that they will endorse them and return them to me in a timely manner, so that I can make payments for some of the minor repairs. They refuse, however, to return our {$20000.00} check, even though their policy is to release the funds at XXXX % completion. Which, as referenced above, has been verified by THEIR inspector. On our most recent call, they have asked us to now sign a certificate of completion, certifying that all repairs have been made and the property has been restored to the condition existing prior to the damage. I explained to them that per their inspector, the repairs are only XXXX % complete. They refuse, however, to release the funds without the certification. At this point, our contractor has been without payment for the roof and gutters for several months and each time I call, Ocwen tells me there is nothing they can do, other than submit the forms, wait another XXXX business hours for their system to update, and call back.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc (IA)

I opened a checking account with chime in XXXX. Decided recently to close account to use a local bank instead. Chime has since reported to the credit bureaus that I had a credit card account that was 90 days past due and the account was closed due to XXXX XXXX bankruptcy with a balence of XXXX All of this is completely false. I filed for bankruptcy in XXXX of XXXX and listed having a checking account with Chime. That is the only thing they were listed for on my bankruptcy.. Is it normal practice for a financial institution to report false info to Credit bureaus when customers decide to bank else where? Why would they just now report this if not?? I had a checking account that's it. No line of credit was ever issued to me. I had no credit cards, personal loans or anything else i owe them no money. I have never been 90 days past due on. I'm a single father with XXXX kids. I have worked extremely hard trying to improve my credit since bankruptcy. They have now maliciously destroyed my credit. On XX/XX/XXXX my score was XXXX It's now XXXX and that drop is solely due to them. Do they not have to prove anything before being able to destroy my credit? When did I apply for this credit card? What was its limit? What was interest rate? How about transactions? This is absolutely ridiculous and disgusting. 
Thanks, XXXX
Consumer complaint received 2015-03-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

OCWEN has sent a letter indicating that my hazard insurance coverage has expired and indicating that they plan to buy insurance for the property and they will charge me for it. I have had condo insurance in effect since I bought the unit in 2005 and the HOA has maintained it 's master policy insurance without a lapse. The mortgage was sold to OCWEN by XXXX and I had never provided insurance information to either party for the life of the loan, so there statement that their records indicate expiration of the policy are a falsehood.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

Greetings, I recently sent a letter asking Experian, XXXX and XXXX to investigate some accounts on my credit report. Here are the tracking numbers : ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX / Re : XXXX XXXX requested on XX/XX/XXXX It has now been over 30 days, I believe these consumer reporting agencies are in violation. 

According to15 USC 1681i- Experian, XXXX and XXXX have 30 days to investigate and send me the results. They also never recorded the current status of the disputed information, which is another violation. 

I have all of the evidence attached below.
Consumer complaint received 2016-05-06
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Secure Capital Management, Inc. (TX)

Documentation of loan payment was located Threating summons requests to non-associate addresses and other untimely Harassment including places of employment. Was told I would be suited that day if I did not give over my Debt Card or Bank Account Number while driving to work. These are in response to a loan collection in made in error : # XXXX [ XXXX XXXX, 2015 ] and Loan # XXXX [ XXXX/XXXX/2015 ]
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

XXXX  / XXXX / {$97.00} XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2016-11-14
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (CO)

I have XXXX loans through Conns. I have fell upon hard times in the last month and have n't missed a payment prior for a year. I am late on a payment less than thirty days and they call me at least 7 times a day. Today it is XXXX and they have called me three times. I have asked them to stop calling me repeatedly daily but they keep calling. Please help.
Consumer complaint received 2022-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

My loan was sold to XXXX XXXX, now known as LoanCare , LLC, in XX/XX/XXXX. I have experienced difficultly on several occasions trying to process one-time principal payments via the website. In XX/XX/XXXX ( near the end of the month ) I tried to make a principal payment of {$10000.00} online and received an error. I spoke to a CSR who informed me I had to wait until my monthly payment was drafted, which would occur on XX/XX/XXXX. I attempted to make the principal payment again after XX/XX/XXXX, and received another error message. A different CSR informed me the monthly payment would take a few days to post and I needed to call back. Finally on XX/XX/XXXX, I spoke to a CSR and would not take 'no ' as an answer. The CSR then told me they could only take a payment of {$9900.00}. I refused this reply and asked to speak to a supervisor as I did not want it to appear as though I was structuring payment amounts. A supervisor ( XXXX XXXX successfully processed this payment on XX/XX/XXXX at XXXX. In XX/XX/XXXX, I again sought to make a one-time principal payment via the website for {$10000.00} and once again received an error message. I spoke to a CSR ( XXXX XXXX on XX/XX/XXXX who processed the payment. In XX/XX/XXXX, I tried again to process a principal payment of a few hundred dollars online and received an error. I did NOT call a CSR. On XX/XX/XXXX, I tried to use the website to get a copy of my amortization schedule and again, received an error. At this time, I submitted a complaint via the company 's website explaining the issues I encountered and my increasing frustration. I also suggested that the hoops I had to go through to make principal payments felt as though LoanCare was trying to make it harder for customer to pre-pay and thereby collect more interest income. For example, there was a 2 week delay from XXXX until XX/XX/XXXX where LoanCare was able to collect interest on an additional {$10000.00} of principal because I wasn't able to make a one-time payment despite repeated attempts. In my complaint on XX/XX/XXXX, I asked to be contacted on my cell phone. LoanCare did call me on both XX/XX/XXXX and XXXX, but I was unable to take the calls. On XX/XX/XXXX, I received a letter in the mail regarding my inquiry for a copy of my amortization schedule ; a copy was enclosed in the letter. Also enclosed was a letter to another customer regarding a complaint they submitted to the XXXX XXXX XXXX regarding their escrow account. In addition to the letter, LoanCare included a copy of the other customer 's escrow statement which includes various PII ( name, address, loan number, etc. ). I reached out to LoanCare on XX/XX/XXXX to share that I received this letter. I also asked who their primary regulator is, and they confirmed it is the CFPB. They provided an internal email address where I can submit my complaint and asked that I send a copy of the other customer 's information that was shared. I have not yet submitted anything to this email.
Consumer complaint received 2017-04-27
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: Experian Information Solutions Inc. (CA)

I received your results for case #  XXXX  via mail and I do not agree with the method of validation. I am requesting proof of the original contract or document with my Name, Address, and Signature validating this item as accurate and correct. In addition, the person 's Name, Address, Telephone number, and Signature validating this item from the original creditor  XXXX   XXXX  University. If no documents can be produced please Delete the item from the credit report. I have attached my request in writing along with Experian 's results on this web portal.   Thanks ...
Consumer complaint received 2015-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

XXXX XXXX Bank is reporting a 30-day delinquency on my credit report that is not correct. I have always paid account as agreed. The account is currently in debt management which has been paid as agreed. Although the account is closed and in thier approved debt management program, they continue to charge late fees and monthly annual fees. This is wrong!
Consumer complaint received 2020-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (KY)

I tried to connect XXXX to my PNC checking account today. ( XXXX ) Previously I had been able to do this. Now, even with login  and pin, pnc denied XXXX access. 

I haf similar issues trying to connect XXXX  app a few months ago. 

I get not wanting to allow competing financial products access to my money, but it is my money, and I am just trying to send money for funeral flowers and save XXXX $ a month in a side account, these are not big bank projects, or at least not big bank projects that PNC does well. Hence allowing authorized apps access ...
Consumer complaint received 2015-10-02
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (TN)

I took out Care Credit loan when my daughter needed some dental work we could not afford. I was told it was ZERO percent interest and we arranged for automatic bank payments directly to Care Credit/Synchrony Bank. Recently I called the company to find out my balance since I was nearing the end of my contract and was told it was over {$4000.00}!! That was close to the amount borrowed several years before. I found out on that phone call that the " promotional period '' had ended and all of the extremely inflated back interest had been applied to my almost paid off balance and had no idea this was occuring as all buisness had been via bank withdrawals. I asked the man on the phone what I could do and he essentially said " Sorry, you lose. '' So add my name to the list of unhappy consumers with this company to help anyone else this XXXX happen to and perhaps get some sort of re compensation if a class action lawsuit is brought against this company.
Consumer complaint received 2016-07-11
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Darnel Quick Recovery, Inc. (GA)

I have asked Darnel Quick Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2022-08-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (SC)

The unauthorized transaction happened on XX/XX/23 from my account that was attached to Paypal for a total of {$1200.00}. A {$500.00} transaction, another {$500.00} transaction, and a {$200.00} transaction. 
I notified Paypal of fraud right away, and filed a claim through them. Within 24hrs the claim was supposedly denied, but I was not contacted about it. I knew that refunds take time, so I gave it some time, and I kept noticing that Paypal kept trying to pull {$700.00} from my account. I think the initial transfer from the fraudulent person was denied for whatever reason, and now when Paypal tried to pull the money it would not go through because I froze my account. 
Unfortunately, with my being busy with work I did not have time to get someone on the phone, and when my wife called they would not speak to her. After a week long work trip I got home and called to figure out what was going on. They told me that the {$700.00} was sent to the fraudulent person because they viewed my claim and denied it stating there was no evidence of fraudulent activity. 
I don't understand what lack of evidence they are talking about. If asked I have loads of evidence that I did not authorize these transactions. 
I have read up what to do about this situation, and it sickens me to see that Paypal has allowed this same exact situation to happen to multiple people. A fraudulent transaction happens, and when a claim is made it is denied within 24hrs.

I asked to speak to someone higher up, and when transferred the call was disconnected on their end. It has been an absolute nightmare working with Paypal, and I just want my money back!
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

URGENT- XXXX XXXX reported 30 day late pay to all credit bureaus and now we are being declined on our home purchase a week before closing. I have contacted XXXX, the Credit Bureaus and sent credit disputes with documentation to get the FALSE reporting removed. This has caused us to lose our home and now car purchase and we are desperate to get help to resolve this quickly. Outlined below are the chain of events leading to the false reporting.

Payments due on the XXXX  of the month XX/XX/XXXX - Payment made- ( XXXX   showing late pay for XX/XX/XXXX )XX/XX/XXXX Vehicle was STOLEN XX/XX/XXXX- Vehicle was declared total loss by insurance and notified XXXX   about the payment and Gap insurance At this time XXXX sent to Total loss department and no longer was able to provide me information online or over the phone about payment status XX/XX/XXXX- Contacted XXXX  to verify insurance payment was made they could not assist because it was already in total loss. I asked if a payment needed to be made so it does not negatively hit my credit because I am in the middle of home purchase. They no longer had payment due showing on their end, BUT I made a payment ANYWAY in the amount of XXXX to be certain this would not affect me. They reassured me the payment would be posted the same day and I would be getting the money mailed back for overpayment after the file was closed.

XX/XX/XXXX- Car Payment cleared from bank ( Transunion showing late pay for XX/XX/XXXX XX/XX/XXXX- Receive a credit notification my credit was negatively hit with a late pay and droped score by over 100 points I have called in tears for weeks and nobody can assit with this, I lost my home and now unable to get a car due to this reporting. I HAVE NEVER BEEN LATE AND SPENT 2 YEARS BUILDING MY CREDIT FOR THE HOME PURCHASE AND NOW MY LIFE IS RUINED, XXXX   reported to XXXX last payment wasXX/XX/XXXX- 30 days late pay for XX/XX/XXXXXXXX  reported to Transunion last payment wasXX/XX/XXXX- 30 day late pay for XX/XX/XXXX