davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

Ive been making automatically deducted monthly mortgage payments since my mother died on XXXX XXXX, XXXX. I updated the address in XXXX of XXXX to be XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX and received statements there up until XXXX XXXX. As of XXXX XXXX, Ocwen, stopped taking my auto-payments because the loan was in default without my knowledge as the address was changed by a third party research firm, hired by Ocwen. I was receiving all mail until XXXX XXXX, have the same information, and even have been checking the mail at the property address and nothing has come from Ocwen notifying me of these changes. During this same time, the ARM mortgage as varied since XXXX but I 've not seen any mortgage payment adjustment letters - as I was receiving in the past. Ocwen has put the loan in defualt and on its ' way toward forclosure and have asked that I pay legal fees, etc. to be reinstated but it was their doing in changing the information and I wo n't pay the $ XXXX legal and adminstrative fees they want to reinstate the loan. 
Because of this, I am asking for all related fees to be waived. I will pay for all back-payments that go to the principal and interest but no related fees for hiring this company to change the address, for inspections, etc as the property has went into non-active status without any notification coming to the correct addresses ( property address or original address ). I am asking for you to research this change and validate that the death certificate, Letters of Administration for me, and my current mailing address is what is on file. I am also asking that all fees related by removed and I am provided with the balance due to catch up ( principal and interest unpaid since XXXX XXXX ). I also am at the property address bi-weekly and have not seen any mail from Ocwen in over a year. I see that Ocwen says in the last report they tried to reach out to me but they had my correct address on file and as the mailing date for 12 months prior to Ocwen changing it to XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. My mom, father ( also deceased as of XXXX XXXX ), myself, and her next of kin have never lived in/nor had a forwarding address anywhere in California. 
They have updated the address, not reinstated the loan and still have an incorrect address ( left an apartment number on the address ) but I am getting mail as of this week. I 've reached out multiple times to the Customer resolution center and talked with an Escalation Manager who refuses to/has not returned my calls over two months of attempts. 
It is clear that this is not a normal occurrence, that misinformation was received, sensible communication channels were not followed in an effective manner. HELP!
Consumer complaint received 2022-09-14
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)

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$630.00}, XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2016-12-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I opened a checking account with that offered a {$100.00} dollar sign up bonus after direct depositing {$2000.00} per month for XXXX months. More than XXXX days after that ( the time window they stated they will deposit the bonus within ) I still had n't received it so I called to follow up. I was told that they would investigate it, a few weeks later I received a letter with the terms of the offer again implying enrollment. Since I heard nothing further after a while I followed up again. This time I pressed for a response and was told that because I have previously received such a bonus I was ineligible. After this I reread the original terms which stated that you must not have had a Bank of America checking account within the past 6 months which I met. I was told that I did n't qualify but not given a satisfactory answer by the customer service representative of why but she agreed to have me contacted in the future with an explanation of the specific part of the terms that I failed to meet within a couple of weeks. I never received that follow-up.
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (CA)

I have a PayPal account and a PayPal credit card and a XXXX XXXX Checking account. 
If I use PayPal, or the PayPal credit card the charges are then debited from my XXXX XXXX Checking account.. 

Recently there were two fraudulent and unauthorized charges I was alerted to by PayPal.

One was a debit from XXXX for {$240.00}. I contacted XXXX and they said there was no record for that amount and date for purchases or charges anywhere on XXXX. They said it was most likely fraudulent and I never authorized it. 

The other was from XXXX XXXX for {$50.00}. I did make political donations to politicians during the election cycle and I noted each in my checking account. I STOPPED making any further contributions after the last elections in Georgia. This charge was not one I had authorized and it was dated AFTER the last election and was not one of the ones I had checked against my checking account. 

I disputed both with XXXX XXXX on my checking account and they researched both of them and determined they were fraudulent and XXXX XXXX noted in writing " We have completed our research of your inquiry and returned the charges unpaid. As a result no money was deducted from your account '' I have filed two claims disputing both charges to PayPal and each time they have denied my fraudulent/unauthorized claims and I even spoke to PayPal people several times and quoted XXXX XXXX to them and then filed a dispute with them on their denial. 

They are still denying my dispute and claiming that I owe them {$290.00} for both fraudulent charges. Please help me get this resolved. They keep sending me notices and phone calls. I should not have to pay them since XXXX XXXX returned them as unpaid and determined they were fraudulent and even XXXX says there was no purchase or credit so it was fraudulent and unauthorized.
Consumer complaint received 2017-06-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WINN LAW GROUP, APC (CA)

The following is a summary of actions between me and WINN LAW GROUP , APC.     After agreeing to pay the amount under condition that plaintiff and attorney for plaintiff show proof of debt, the agency in question did not yield or attempt to provide evidence supporting their claim. It is my belief that my private information was obtained illegally, therefore I contacted my local law enforcement agency to file a report for Theft of Identity under State of Califor nia Penal Code ; 530.5.
Consumer complaint received 2018-05-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (FL)

I previously held an internet account with XXXX. My services were held at location # 1. I attempted to have my services moved from location # 1 to location # 1 and was toyed with for about 3 months with XXXX telling me I needed to wait to have services installed. On the 5th month of waiting a representative told me when I called, " We won't be able to install your service ever and we are canceling your account ''. I never heard another word from XXXX. At this point in time I am living at location # 2 and have not been at location # 1 for 5-6 months and had XXXX installed at location # 2. My XXXX equipment was stolen during the move from location # 1 to # 2. XXXX sent a bill for that equipment to location # 1 ( where I had not lived in over 6 months ) when they clearly had an address change on record for location # 2. As I did not know I owed the bill I did not pay it. I have recently had a collections account from Diversified Consultant Inc show up in the amount of {$160.00}. Both companies are refusing to allow me to pay this without it reflecting negatively on my credit, despite the fact that XXXX wrongfully reported the debt to a collections company without giving me a chance to pay the bill and having sent the bill to an address that is not mine. I have repeatedly tried to get XXXX to fix this and can not speak with management from DCI because they yell and are rude and will not let me speak whilst on the phone with them. I feel as if this is unfair practice by XXXXwhich is tainting my credit because they sent the bill to an incorrect address. Multiple times on a recorded line an XXXX representative has told me they can speak with DCI to have a pay for deletion and never followed through with that statment.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: United Credit Education Services (FL)

I GET THE UCES PROTECTION PLAN AND I MAKE ALL MY DISPUTES ON XX/XX/2021, AND NOW 59 REGULAR DAYS THEY DON'T MAKE ME ANYTHING WITH MY DISPUTES
Consumer complaint received 2021-11-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: MoneyLion Inc. (CA)

I am a victim of identity theft, and I recently obtained a copy of my credit report, which revealed a {$900.00} collection with Money Lion, {$24.00} balance with a company called XXXX XXXX XXXX XXXX. I have never made an account with these organizations, and they will not assist me because I am not a customer.
Consumer complaint received 2021-03-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (SC)

I was contacted by Ability recovery services and made arrangements to pay them .I did set up payments to come out of my account on both bills, Then I called agin and left a message that I would be making payments of a different amount on the XXXX of XXXX not the second. I did make the payments on XX/XX/XXXX. On XX/XX/XXXX they took XXXX dollars from my account and said it was a arrangement. I told them I made the payments So why are you Taking more money. They told me there was nothing I could do. So I had to block my card. The lady name is XXXX who I talk with. This has been a nightmare for me. I am willing to pay them but do not want them taking money from me.
Consumer complaint received 2022-09-14
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. (PA)

I, XXXX XXXX am writing to delete the following information in my file. The items that need to be deleted are listed in the report. 

I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
I ask these items to be removed also in accordance with 15 USC 1681a Section 603 subsection K ; rules of construction. Due to this inaccuracy of my credit report, I have been denied opportunities that have also violated my rights based on the Equal Credit Opportunity Act. I have the right to an accurate credit report.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

FTC Violations XXXX XXXX {$810.00} XXXX   {$20000.00} WF/Dillard {$1700.00} XXXX XXXX 's {$270.00} XXXX {$1300.00} XXXX XXXX   {$520.00} XXXX {$840.00} XXXX consumer finance division has agreed to a {$550.00} million deal to settle allegations that it placed consumers into loan arrangements with a high risk of default. 
XXXX XXXX XXXX XXXX settled with 33 states and the XXXX XXXX XXXX It agreed to pay {$65.00} million to customers affected by the practices, as well as waiving {$470.00} million worth of outstanding loan payments. It also agreed to pay {$7.00} million to states to cover restitution claims. 
Have you ever been billed for merchandise you either returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the XXXXair Credit Billing Act ( FCBA ).
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NJ)

I was granted payment relief and forbearance of my federal student loans with Great Lakes due to a loss in income. The way that this was reported negatively impacted my credit score. I  contacted Great Lakes and was told that I needed to contact the Consumer Reporting Agency to have it corrected.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

When I started the course and the year XXXX I sent the letter canceling my semester before the semester started. Apparently they say they never received the letter of the cancellation. They wanted me to pay the full amount of my semester I got laid off and I couldnt afford to pay my semester and when I made a phone call to the place they told me if I write a letter before the semester over and start the new semester I could cancel it I was not gon na pay for it
Consumer complaint received 2021-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (TX)

Hello, On XX/XX/XXXX I got an alert from XXXX, XXXX, and XXXX that I had an account, XXXX XXXX XXXX XXXX XXXX  ( Original Creditor ), go into collection by SOURCE RECEIVABLES MNG. This account is not mine. I have not received anything for this debt nor and most importantly I did not authorize this charge/account. 

Please remove this ASAP, I am in the process of buying a house and this has completely ruined my mortgage rates making it impossible to get a good mortgage loan. 

Thank you.
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I was notified by Bank of America on XX/XX/XXXX that a credit card was approved in my name and would be sent out an old address of mine. I called and had the account closed and submitted a fraud claim. I was told they would send me a copy of the application that was filled out along with a letter of my claim. After several weeks of trying to obtain the information they stated I need to file for Subpoena to obtain the application that was filled out. Is this common practice or do I have rights in this matter? I would like to know what personal information was obtain for them to issue a credit card.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Equifax has carried the name 'XXXX XXXX on my account and the as the primary name associated with my SS # since at least 1992. I have tried repeatedly to have Equifax delete this name from my credit report, and they continue to not delete this erroneous name. 
Not so incidentally, all the other credit bureaus have my name correctly and do not carry the erroneous name anywhere! 
CREDIT REPORT XXXX XXXX Report Confirmation XXXX Dear XXXX XXXX : Thank you for requesting your Equifax credit report. Your credit report contains information received primarily from companies which have granted you credit. Great care has been taken to report this information correctly. Please help us in achieving even greater accuracy by reviewing all of the enclosed material carefully. 
If there are items you believe to be incorrect, you may Initiate an investigation request via the Internet 24 hours a day, 7 days a week at : www.investigate.equifax.com
Consumer complaint received 2020-07-20
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. (IL)

XXXX XXXX XXXX  has reported on my TransUnion credit report on XXXX, XXXX, 2020. Ive NEVER done any business with this company. I dont know this company and I definitely believe this is Fraud. I want this company deleted from my TransUnion credit report immediately.
Consumer complaint received 2020-07-20
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: EQUIFAX, INC. (AZ)

Equifax, XXXX  and XXXX continue to report false information in regard to two accounts. They have been placed on notice that these are not my accounts. The lenders in both cases have been unable to provide documentation other than varying claims that the accounts were opened online or opened over the phone No signature cards, electronic or otherwise have ever been provided. 

XXXX XXXX is of course notorious for opening phony accounts and I have never even heard of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2020-07-20
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. (AZ)

XXXX Transunion and XXXX continue to report false information in regard to two accounts. They have been placed on notice that these are not my accounts. The lenders in both cases have been unable to provide documentation other than varying claims that the accounts were opened online or opened over the phone No signature cards, electronic or otherwise have ever been provided. 

XXXX XXXX is of course notorious for opening phony accounts and I have never even heard of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX  XXXX BOX XXXX XXXX, NY XXXX
Consumer complaint received 2021-11-03
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: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (TX)

I am being charged for cash interest also purchase interest at a very high rate. I did not get any cash out, not sure why wellsfargo is still have me pay for a high interest rate on Cash. Example {$64.00}, for purchase and {$84.00} for cash, which I haven't gotten out. That's {$140.00} a month on high interest, I had to close that account because of this and can not make payments due to my hours being cut do to covid.. need a way to lower payments to continue to make payments.
Consumer complaint received 2020-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

The Company Did Not Resolved the Matter Plus i Mail a Letter To Capital One Requesting them to Add the Information about this closed account Back the the Credit Report and Capital One Denied to Fix This Matter and This Account is Not Being Reported to XXXX  and i contacted XXXX  and they told me to contact Capital One To Fix the Problem with the Closed account not Showing on My Credit Report. 

The Company Did Not Resolved the Matter and Denied the Request and also the Account is not Being Reported to XXXX  i Contact The Credit Report Agency and they adviced me to contact Capital One and Notified them that there is No Closed Account Being Reported to the Credit Report Agency Dear For i Will Not Continue Make Payment Until this Account is being reported to XXXX  The Company Did Not Fix The Problem with My Credit Report with XXXX  and this account is still missing from my XXXX Credit Report and Capital one did not Resolved any inquires about this complaint