davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I obtained a second loan for {$50000.00} on my property at XXXX XXXX XXXX, XXXX, California XX/XX/XXXX from XXXX XXXX XXXX. The length of the loan was for 120 months. I have attached a copy of that document. At some point the loan was sold to Ocwen Loan Servicing. I continued to make payments and was never late. In XXXX of this year, XXXX, I asked for Ocwen for a payoff quote for the loan. On my statements it showed a principal balance of {$410000.00}. I received a payoff quote of {$8700.00} cents. I asked why was the payoff amount was so different from the balance it showed me owning and I was told that when Ocwen took over the loan from XXXX XXXX, XXXX XXXX had failed to calculate the correct monthly payments so I owed the difference. I wired the payoff amount of {$8700.00} to Ocwen, on XX/XX/XXXX. ( see attached copy of the wire transfer ). I received a letter from Ocwen XX/XX/XXXX, ( see attached ) stating the loan was not paid in full because of the before mentioned issue with XXXX XXXX and actually I owed an additional amount of {$7100.00}. 
I don't understand how this is possible to go from a balance of {$4100.00} to owning over {$17000.00}. I never received a statement from Ocwen stating I owed this amount until I paid off the loan. I made a good faith payment of the payoff quote I received in XXXX. Please investigate Ocwen. I had asked for a explanation of these additional charges and was verbally told someone would get back to me. As of today, I have not heard from Ocwen. 
I have attached copies of my XX/XX/XXXX statement showing a avg daily balance of a little over {$4000.00}. My XX/XX/XXXX statement showed the same avg daily balance. Now XX/XX/XXXX latest statement is showing an average daily balance of {$10000.00}! That has to be an error, when Ocwen is now saying I owe {$7100.00}. 
They also appear to have changed and falsified the payment history which is different from the account history I had seen when I was making monthly payments. There was NEVER a balance of over {$17000.00} showing in XXXX. This balance was never reflected on my credit report or on any other documents.
Consumer complaint received 2017-11-27
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: Consumer Portfolio Services, Inc. (IL)

On XXXX XXXX, 2016 I went into XXXX XXXX XXXX with a pre-approval letter from XXXX XXXX and test drove a XXXX XXXX. The Manager XXXX XXXX requested an Unauthorized credit inquiry with out my knowledge or consent and my credit was ran XXXX times. I realized this had been done once I got home and received a email from XXXX XXXX monitoring alerts. The next day I went back into the dealership and asked to speak with the General Manager XXXX XXXX. I explained what happened and she wrote a letter to the Finance Companies and the Credit Bureau requesting the inquiries be removed on XXXX XXXX XXXX 's behalf. Unfortunately, as of today NONE have been removed. Since then I 've called, faxed, sent certified letters that XXXX XXXX drafted and wrote to each finance company as well as the credit bureau requesting each inquiry be removed. NOTHING has been removed a year later. I 'm in the process of purchasing my first home and these XXXX inquiries are hurting my credit score tremendously and is affecting the finance rate I need and deserve. I should not be penalized for something that I did n't request. The company has asked that they be removed and so have I.
Consumer complaint received 2017-11-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NC)

I opened account with them since this is the account out extended family uses in XXXX. We are buying a house and need to pay the note and my husband 's sister sent us money to help us which i was trying to use to put it in my wife 's account. The check was deposited and then withdrawn from my wife 's account.I thought we made a mistake and decided to use the city bank to make a credit card payment and not use it for critical payment for the note of buying the house, that was payment was cancelled.I called few times. The folks i talked to said it looks like a fraud and you can not use your money. it is only few days since you recd the money. i was very unhappy and talked to few people. i felt very harassed. I am doing nothing wrong. We are trying to pay for the house that we are buying so i wanted to make sure this gets reported and i know what was the outcome of the system. They said they think it is fraud and they closing the account and sent money back to the sender. THIS IS UNACCEPTABLE to a common man. I wanted to put a review for future folks but i will file a complaint to make sure they get penalized for disrespecting and XXXX us where we told 'you can not use this money '. We are hard working people and someone tell us i can not use my money, it is not okay. please let me know how can i help to ensure this issue is resolved and does not occur again. If you have any questions please let me know. I am so harrassed and it is affecting everything in our lives since this money is stuck and we are holding up all the bills and not sure how we are going to make our home payment that is coming up due in few weeks. Please give these guys sever punishment and block them from providing this service to customers. 
Complaint number : XXXX was the originial complaint
Consumer complaint received 2017-03-31
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAVALRY INVESTMENTS, LLC (CA)

Back some time ago a LOT of credit cards were opened with my information mysteriously as soon ( or close to ) turning XXXX. For example I had a XXXX dollar credit card opened with XXXX. When I found out, It was a little too late because the perpetrators have gobbled up all the money. Not knowing what to do, I went to my local XXXX. I spoke with someone and told them someone stole my identity and opened a lot of credit cards with my information. I was turned away and I was told to start paying the amount owed. The representative said " They MUST of gotten the information from somewhere '' " It 's probably someone you know '' and I was n't offered any help. Well here we are, I have an XXXX credit card, XXXX card, and the largest XXXX cards that were opened without my knowledge. Considering I did n't open any of these credit cards, I 'd like to find out some help or advise.
Consumer complaint received 2021-09-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America dented my account - {$880000.00} in XX/XX/2021 after I asked them to close my account..which they did not do for almost a full month and said they could not verify m identity knowing I have ID theft and in so doing, kept me from receiving my Unemployment Benefits. My Child Support is sent through the mail and takes an extra week to receive. They purposely charged overdraft fees and told me they " Gave up a long time ago trying to figure out how people steal from each other '', when I asked him about unauthorized checks that were written on my account.
Consumer complaint received 2021-09-23
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: EQUIFAX, INC. (AL)

IT HAS COME TO MY ATTENTION THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT FOR A FEW YEARS NOW. ( COLLECTION AGENCY ) PLACED A COLLECTION ON MY CREDIT REPORT THAT WAS FROM A FRAUDULENT ACTIVITY. I HAVE CONTACTED ( COLLECTION AGENCY ) AND ( ORIGINAL CREDITOR ) AND EXPLAINED TO THEM WHICH I WAS TRANSFERRED SEVERAL TIMES, I FELT DISRESPECTED BY THE CUSTOMER SERVICE REPRESENTATIVE AFTER EXPLAINING TO THEM THE SITUATION THAT THEY HAVE THE WORNG PERSON. THIS COMPANY IS VERY UNPROFESSIONAL! I ALSO SENT THEM A COPY OF THE POLICE REPORT. I WILL ALSO FILE WITH CFPB AND FTC! THIS IS VERY INCONVENIENT ON MY PART!
Consumer complaint received 2021-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MD)

Rocket Mortgage LLC has incorrectly included PMI payments on my current mortgage. I initially contacted them by phone on XXXX XXXX. After waiting the till the next months payment. The PMI was deducted again from the escrow account. 

I sent them a letter on XX/XX/XXXX under XXXX XXXX Notice under XXXX C.F.R. XXXX. I have attached it for reference. 

I have yet to receive either notice of receiving my notice of error or a decision from the company.
Consumer complaint received 2022-01-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/XXXX I kept receiving a call from commenity bank saying my balance is past due. I couldn't understand why because i paid my last statement XX/XX/XXXX. They said i signed up for account assured. I said to the representative that I did not sign up for account assured. My statement said I've been charged a monthly fee, interests, and late fee for account assured. I submitted a dispute and told them that i did not sign up for account assured. I told the representative that if i wanted account assured i would have signed up for it. I see it all the time and ignored the account assured. My phone has been signed in with an unknown device and i had to change my password with XXXX. I asked XXXX to help me identify the devices and XXXX was unable to do so. XXXX told me to change my recovery phone number and email address. Change my password and sign up for the 2 step factor for security reason. All of a sudden i am getting phone calls from comenity back about a bill past due. Please help. I have pictures.
Consumer complaint received 2021-07-12
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. (IL)

I have requested pre-approval letter for my mortgage. I have permitted my lender to run credit inquiry for that and he ( XXXX XXXX ) ran credit one time on XX/XX/2021 ( XXXX XXXX ). But on my report one more inquiry shown on XX/XX/2021 which I did not authorized and it was failed somehow. So, I tried to contact all three bureau XXXX, XXXX  and Experian. I only got response from XXXX  but I am not satisfied with their answer. However, I did not get response from other two reporting agency and its hard to reach them and also they don't provide service online as XXXX  provide. 

So, my ultimate goal is to remove unnecessary wrong inquiry from XX/XX/2021 and keep from XX/XX/2021 which is valid.
Consumer complaint received 2017-11-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After finishing XXXX school my student loans came out of defferment. I received a call and i set up a income driven repayment plan. I was told i would that the plan would consolidate all of my loans into 1. However after missing 1 payment for the month of XX/XX/XXXX. The company retroactively went back and applied all payments while in the program as late. So after missing 1 payment for the month of XX/XX/XXXX. XXXX reported 3 loans with missed payments for 3 months each for a total of 9 missed payments. XX/XX/XXXX i was enrolled and paid XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX was missed. and
Consumer complaint received 2021-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I feel these accounts are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 50 days, so they should be erased immediately.
Consumer complaint received 2022-08-11
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I fought with XXXX XXXX to get this account removed from my credit files because they had reaged it. Now I know why they did, it was to sell it to a collection agency. Midland credit management inc., is trying to collect from this account. I would like to receive verification of this account, to verify the dates with my records. The account should be out of the statute of limitation as of XXXX of this year. California statuet of limitation is 4 yrs. Thank you.
Consumer complaint received 2021-09-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CA)

XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX, VA XXXX ) is attempting to collect a debt ( {$1300.00} ) that is allegedly past due since XX/XX/XXXX. The account was allegedly opened since XX/XX/XXXX, which is not true. They claim to have bought the debt from Synchrony, Paypal, ( XX/XX/XXXX ) and are attempting to collect on a debt that is over 10 years old. This is illegal in CA and they still report this to the credit bureaus. XXXX has been ignoring my request to remove this old debt that is past the statute of limitations in CA. XXXX XXXX can not provide adequate evidence that this debt bought from Synchrony is not older than 7 years. XXXX does not report this collections mark on my credit profile, while XXXX and XXXX does.
Consumer complaint received 2017-11-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TN)

I used the online company Coinbase for two transactions on XX/XX/XXXX : Transaction 1 : Sold XXXX at {$6300.00} per BTC in bitcoin for total of {$220.00} Transaction 2 : Sold XXXX at {$6300.00} per BTC in bitcoin for total of {$360.00} Both transactions were supposed to be direct deposited in USD into my bank account on XX/XX/XXXX. They were both marked as complete but I never received the bank deposit. I opened up a support case on XX/XX/XXXX ( case # XXXX ) and never received a response. I also was never able to reach the company via phone. 

I am willing to provide bank statements proving this amount was never deposited.
Consumer complaint received 2016-06-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Hillcrest Davidson & Associates (LA)

I have had more than one agent from this company call me with a rude tone concerning the debt. I told the first agent that called that I did not owe the debt and would like to dispute the debt. He told me that I had to do the dispute on my own. I informed him that I would call my lawyer concerning the matter. He told me that I should n't waste my money and learn to pay my bills. I told him that was n't his concern. He stated that if I had enough money for a lawyer, I should pay them. Then he hung up the on me. I called back and spoke to XXXX different supervisors who told me the same thing and also hung up on me. I called back a 4th time and was told not to call back. About a week ago, I received another call from the company. This Representative told me that he would cause my credit score to go down XXXX points if i did not give him {$440.00} to restore the service or {$800.00} to cancel the debt. I told this agent that I wanted to dispute the claim and their agency has been very rude. He again hung up on me. I called back to speak to a supervisor. I explained to him all of the problems that I had in the past with this debt. He said well it sounds like you just do n't want to pay the debt. He then hung up on me.
Consumer complaint received 2015-06-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

None of the XXXX bureaus were able to provide me with a report. They say the information I entered does n't match what they have on file. However, I know a little more : a while back, I was looking into a car loan with my local bank, and the loan officer who ran my credit check ( who knows my dad ) came back saying that while he could n't approve me, he noticed that my dad 's credit history was mixed in with mine for some reason. We do n't have the same name ; how can I get all three of them to fix this error?
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

With personal research of my own report and contact from different debt collectors the wrong name and addresses are being reported. According to 15 U.S.C 1681b ( a ) ( 3 ) ( a )
Consumer complaint received 2018-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Affiliated Group, Inc (OH)

I have a unverified account from The Affiliated Group. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that The Affiliated Group Cease and Desist all further communications.The Affiliated Group needs to delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.
Consumer complaint received 2017-11-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (DC)

About two months ago, I made 3 purchases with my XXXX debit card. My XXXX debit card is linked to my pnc debit card and the way it works is that when you purchase something with it, XXXX will collect it as a check on your personal debit card. For some reason my account had non sufficient funds and for each of those 3 transactions charged a {$36.00} overdraft fee, then they had the transactions returned resulting in 3 additional {$36.00} return fee for each transaction. Not only did they not pay target but they charged me {$210.00} in fees. As a result of that I also ended up owing target return fees as well. PNC also kept a daily overdraft fee being charged to my account. I tried to dispute these charges and they just told me that that was policy and nothing could be done. I ended up with a negative balance of {$470.00} and they threatened with collection if amount wasnt paid. I ended up paying to avoid collection but that is a steal. They didnt pay for anything so I still owe target this money. I still have to pay target fees. They ran of with all this money from me. I have closed my accounts but I wanted to see what i could receive in help from you guys as I read I could look for help here. Thank you so much.
Consumer complaint received 2017-11-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC (FL)

I have explained that I was in a car accident so I am not able to pay this now that I will contact them when I am ready. They continually call while I am working and have told them numerous times not to call till after XXXX XXXX
Consumer complaint received 2018-03-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (NY)

I have an American Express Bluebird card. I have fraudulent charge disputes. XXXX from XXXX, XXXX from XXXX, XXXX from XXXX. These charges cleared my account on XX/XX/XXXX and XX/XX/XXXX. 
According to Bluebirds Customer Agreement if it takes more than 45 calendar days to look into charge disputes they will give me a credit to use after 10 days business days. 
I called multiple times and they are denying my request. I understand that it will be XX/XX/XXXX before I could hear back about the investigation. I did NOT make these charges.
Consumer complaint received 2018-03-20
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. (TX)

The following are duplicate/incorrect hard inquiries on my credit report : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Equifax XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX