davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

Back on XX/XX/2020 someone tried to transfer money from my bank account to my Paypal account ( to then transfer to themselves, no doubt ). They also changed the language on my account to XXXX. I did all the protection features but I can now see that someone has made my account a business account, added their name ( XXXX XXXX XXXX as a business name, added their phone numbers, address, social security numbers and Tax FEIN to my account and they aren't mine or associated with me in any way. Getting through to Paypal is near impossible to get help and I don't know what law enforcement agency to report this to either. These steps have prevented any financial loss but I want to protect my credit and information
Consumer complaint received 2017-11-30
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. (OH)

Upon looking at my credit report. I noticed that the following companies have placed credit inquiries on my credit without my knowledge or consent. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/ XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/ XXXX XX/XX/XXXX I have spoken with the companies and Experian and informed them that I am a victim of identity theft and did not make these inquiries. The credit bureau is not helping me resolve the issues. They are not providing any evidence that the inquires were made by me.
Consumer complaint received 2018-03-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

On XX/XX/XXXX I received a Notice of Acceleration of Maturity that was delivered by certified mail from Ocwen Loan Servicing ; LLC stating that under the Deed of Trust my home is scheduled for foreclosure on XX/XX/XXXX. Ocwen was not the loan originator. XXXX was the first lender, then sold to XXXX XXXX, GMAC, Ocwen. I believe the loan was sold at least four times and the amount owed kept increasing. After calling the loan servicing agency ( Ocwen Loan Servicing, LLC ) I still could not get a clear understanding to why the amount owed increased shy of {$70000.00} on a less than a {$47000.00} loan that originated in XXXX. I never received a copy of the loan documents ; communication with Ocwen Loan Servicing was difficult. 1. Never receive copys of paperwork 2. Everything was verbal up until now 3. Mortgage increasing without explanation 4. Refused copies of the loan told I would have to pay a fee 5. I stop paying in XX/XX/XXXX because I needed correct information. Never had a problem until Ocwen took over the loan 6.I am current XXXX  XXXX. I asked about Servicemembers Civil Relief Act ( SCRA ) to no avail 7. Language barriers and misinformation given 8. I am alleging redlining even when I tried to address my default
Consumer complaint received 2022-01-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: INDIANAPOLIS NEIGHBORHOOD HOUSING PARTNERSHIP (IN)

To who it may concerned, I was affected by XXXX XXXX and was struggling to pay my mortgage so I contacted the loss mitigation department. I was put in forbearance for three months with the option of loan modification or payment deferral. Based on my situation and uncertainty of things with the pandemic I choose payment deferral, which was approved. Its been approved for 1/2 a year now but no action has been filed on my loan. Its been over six months and Ive called the loss mitigation department numerous amount of times with hopes that this situation has been resolved. No one has returned my calls and Ive been giving different answers from each individual Ive spoke with. My case has also been escalated numerous amount of times and there has still been no progress on my loan as well as no communication from them besides me calling and checking on the status. During this waiting period I was affected by XXXX again, in which I called and asked to defer the entire balance in which I was told that was not possible and only the three months I was in Forbearance would be pushed back. As individuals we have no control over this pandemic that is still affect many people and families today. I would like for this to be took care of so I can continue paying my mortgage which Im no longer able to do because I have a balance and my online access to pay my mortgage is suspended. If someone could get back with me on the next steps to follow that would be great. 

Thank you
Consumer complaint received 2021-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CT)

Escrow is higher than what should be collected. Representative XXXX XXXX XXXX XXXX said adjustment will be made in XX/XX/XXXX payment but it did to happen and XX/XX/XXXX is still also not adjusted. Last escrow statement was XX/XX/XXXX though it should be done quarterly. I attempted multiple times to contact company ( by phone and website msg ) but nobody picks up phone and leaving my name and number does not result in a callback. I requested in XX/XX/XXXX that I take over paying my insurance so my escrow balance should be refunded to me. No response all this time.
Consumer complaint received 2018-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian Date : XXXX XXXX, 2107 Report # XXXX Address missing on my credit report : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NV XXXX lease was 6 Months XXXX XXXX XXXX XXXX Phone # XXXX XXXX XXXX NV XXXX
Consumer complaint received 2018-03-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

I have been trying to get off my Ex-Husband 's HELOC with Bank of America for two years. His name is the only name on the note it'self. My signature was required because Michigan was a dower state at the time. My name was on the application only which had expired. I have written several letters and my ex-husband has called several times. He has been making the payments for 9 years. Bank of American refuses to take my name off. The note is from a lending company that no longer exists. They want him to refinance which costs money. They will no longer respond to any of my requests.
Consumer complaint received 2018-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TOWNE MORTGAGE COMPANY (CO)

Towne Mortgage is increasing my mortgage company by {$560.00} per month due to a clerical error on their end. They have drained my escrow account paying XXXX XXXX XXXX. They have not once called in 2 years to let me know there was an error in the amount they were collecting from me in escrow. A customer service representative named XXXX XXXX admitted verbally on the phone that Towne Mortgage has been paying XXXX XXXX ( as we agreed in escrow ) but they were not charging me in escrow since the day they dropped our mortgage insurance ( XXXX/XXXX/XXXX ). When our mortgage insurance was dropped by XXXX XXXX at Towne, she or someone else at the company accidentally took off our home owners insurance and did not tell us. They could have caught this problem the first time they paid out our insurance and multiple times after. If we would have been aware we would have told them something was wrong. We have trusted this company with our loan and escrow and never once gave consent for our escrow to be altered since buying our home in XXXX. The most suspicious aspect is the fact Towne has been paying out XXXX, but not charging us. This shows that they are unorganized and made the mistake. It seems pretty simple for them to find this error since they have paid XXXX multiple times. Instead they send us a new bill of almost {$600.00} increase with no explanation. I had to call multiple times and finally was told by XXXX XXXX that " it was an error on [ their ] end. '' We can not afford to pay an extra {$600.00} a month for an entire year. We would like to pay no more than {$200.00} a month until the debt THEY created by THEIR error is paid off. We have never missed a payment and have trusted Towne with our loan and financial asset. I would like for this to never happen to anyone else, but fear this company is so disorganized, they could let an error like this happen for almost two years. Please help.
Consumer complaint received 2017-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Upon looking at my credit report. I discovered that the companies listed have placed credit inquiries on my report that I have no knowledge of and did not authorize. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/ XXXX XXXX XX/XX/XXXX I have spoken with the companies and Trans Union and informed them that I am a victim of identity theft and did not make these inquiries. The credit bureau is not helping me resolve the issues. They are not providing any evidence that the inquires were made by me.
Consumer complaint received 2021-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX and XXXX Called the companies on my credit reports, all said the same thing no record of me and have no knowledge! Contacted transunion and XXXX to no avail! Sent in paperwork that they are saying they never got! Sent XXXX the same paperwork and my inquiries are gone the ones that are not mine!
Consumer complaint received 2017-11-30
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)

At day of XX/XX/XXXX I did send a complaint to TransUnion about fraudulent accounts and charges that did show on my credit report and asked them to delete them from my credit report. Complaint was deliver as of XX/XX/XXXX. As for today XX/XX/XXXX I did n't got any answser from them. 

Dissputed accounts : 1.XXXX/XXXX openedXX/XX/XXXX with charge {$620.00} 2.XXXX XXXX XXXX  opened XX/XX/XXXX with charge {$1900.00} 3.XXXX XXXX XXXX with charge {$230.00} I also dissputed fraudulent charges to my credit card for {$1000.00} I am attaching all send information to this complaint
Consumer complaint received 2017-12-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Management Services, Inc. (NE)

XX/XX/17 approx XXXX Credit Management Services located in Nebraska called my employer, masking their number and asked to speak with me regarding a {$250.00} medical bill. I have spoke with them on at least three other occasions, and asked that they not call me at work. I once again told them not to contact me through this number.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX XXXX  Account NumberXXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX Account Name XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Somehow I was signed up for a Transunion {$24.00} service, billed to my credit card. I do not remember signing up for this. 

I attempted to cancel this subscription and after repeated calls to customer service, I was unable to -- I kept being transferred to different departments ; some departments said I do not even have an account, so they could not cancel an account that does not exist, and others said I signed up for something and should take responsibility and pay for it. After wasting a lot of time, I decided to give up and dispute the charge with my credit card issuer. 

Fortunately, this charge was reversed. For good measure, I reported that credit card lost/stolen to get a new card so Transunion would be left in the dark and would get lost. 

However, even after doing this, a month later, I saw the same charge appear ( same credit card account, different number, different 3 number security code, different expiration date ) as a transaction. I have no idea how Transunion got my new credit card number, and I have no idea how to contact them to cancel my subscription, given my past experience ( nor do I want to spend the time doing this again ). I did try to see what " service '' I was billed for -- When I go onto Transunion 's website to try and access this {$24.00} service, I am unable to log into an account, even when " recovering '' the account with my social security number, birthdate, and last name. 

To recap : I received a {$24.00} charge a month ago for a service I am almost certain I did not sign up for. I have spent an inordinate amount of time trying to " cancel '' this service, to no avail. My credit card company was luckily able to handle this through the dispute process. However, even after going through the steps of getting a new credit card ( and changing the billing information for everything that was paid through this card, an arduous process ), they were still able to bill me for this phantom " service '' a month later. 

These charges are at best an honest mistake, at worst criminal. Transunion wasting my time is purely criminal.
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: Experian Information Solutions Inc. (TX)

I received 100 % Total XXXX rating from the VA XX/XX/2021. The following day I submitted the forms to have my student loans discharged. The student loans were discharged, but none of my credit reports were accurate. I filed disputes for all of the student loans shown on Experian, XXXX and XXXX 's reports. Experian shows completed, however the past due dates are still present on the credit report. XXXX and XXXX have more than 24 student loans listed for me, but most of them appear to be the same loans that were at some point transferred to another servicer. We are about to purchase a new home and accurate credit reports are vital to our family. Thank you.
Consumer complaint received 2021-03-24
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. (NY)

I have sent multiple letters and called several times to get this matter resolved. The most recent letter being on XX/XX/XXXX the others on XX/XX/XXXX and XXXX still as of today over 90 days later there has been no progress. There are still inaccurate items showing negatively on my report. As mentioned previously to each company I was just made aware of my information being impacted by the Equifax data breach. Now more than ever I fell my information has fallen into the wrong hands. This dispute process has be very long and I feel like Im on a hamster wheel. I read up on how to rectify this data breach and I saw it is illegal to report false information per FDCPA Section XXXX.
Consumer complaint received 2021-09-26
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Multiple Capital one credit accounts and collections in their behalf continue to report negatively on my credit report with XXXX, XXXX and XXXX. I have a discharged bankruptcy in which Capital one accounts were included and this should include all collections on their behalf. I have made multiple disputes on this matter. The accounts were updated to a positive status but later put back to a negative one. I pay monthly for a membership that never has the proper updates and it continues to impact my credit score negatively. Being told by representatives that these items will fall off eventually does not help or solve my issue. These negative reports are having a huge impact on my credit rating.
Consumer complaint received 2018-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One refuses to close out my account even though I been contacted two times by a collection agency. This has been an on going issue since XXXX/2017, they are always claiming the account will be closed out however I receive a bill for the month.
Consumer complaint received 2017-11-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CHECK INTO CASH INC. (DE)

Please see complaint XXXX from XX/XX/XXXX is not resolved. I respectfully asked for a letter to be mailed that indicates that the loan was deemed to be fraud and not opened by us. While the company said they sent something to XXXX, respectfully this is n't enough. Respectfully the response indicated that they took steps to validate information. Respectfully, I would say their measures are lacking. Other Companies contacted us within that same 48 hour period to verify information and those loans were not funded. I have the names on our caller id, so respectfully, if you want to call me, I can provide their names and perhaps you can reach out to them or their vendor to respectfully enhance your processes. In closing, we simply want a letter that states that the loan was investigated and deemed fraudulent. This way if the loan surfaces somehow during our home purchase or accidently gets sold to a 3rd party for collection, we can use it to support our claim. The prior response is simply insufficient, incomplete, and self serving.
Consumer complaint received 2017-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

I XXXX  XXXX XXXX XXXX XXXX SAW YEARS AGO THAT SOMEBODY MADE/OPENED A C4EDIT CARD WITHOUT MY PERMISSION. TO MAKE TBHIS SHORT I S3NT A NORTERIZED, REHISTETED. AND MY LAW FIRM GAVE ME SECTION 609 AND 625 OF THE FAIR CTEDOT REPORTING AGENCY WHICH GOVES THEM 30 DAYS TO PROVE I SOGNED FOR CARD, WAS AWAIR OF CATD AND CHARGES MADE WITH MY SIGNATURE BIT ION ONE MONTH THEY TELEASED XXXX CASH TO A THIEF. THEY TRICKED ME AFYER GETTING BACK FROM INPATIENT XXXX PROGRAM WETE I WAS DURINHG THOS WHOLE SOTUATOON WHICH I S3NT TJEM PROOF. I SENT THEM DATES I WAS INPATIENT AND POLICE REPORTS AND CONYRACY OF SECYOON 609 AND 625 OF FCTA THAT GAVE THEM 30 DAYS. I GAVE THEM 3 MONTHS NOW WITH REGISTERED MAIL RECIEPTS AND NOTETIZED LETTETS. I ALSO SENT TO EACH CREDUT AGENCY BUT THEY PREFER ME TO HAVE TO PAY LAWYET TO SUE AND WHEN FOUND THEY WETE WRONG THEY COULD DELAY FOR YEARS. MY RETAINET WITH CHA LAW FIRM HAS XXXX DOLLAR RETAINET BUT THOS IS 4 YEARS IBTO THIS AND 7SAA HAS BROKEN LAW. MY LAWYER TOLD ME THAT WITH ALL THE INFO. FROM FCRA AND SECTION 609 AND 625 WERE NOT MET, O DO N'T NEED LAWYER. YHESE GUYS ARE SO AGAINST WAR HEROS IT MAKES ME SICK HOW THEY SAY THEY WORK FOR OUR 1 % OF AMERICA. I WAS IN XXXX, IN, XXXX AND XXXX. ALL WITH HONORABLE DISCHARGES AND HAVE DOD IS THAT BASOCALLY SAYS I AM IN MILITARY TILL DAY I XXXX BECAUSE OF 4 WATS, 25 MEDALS OF VALOR AND 8 SECTET MISDIONS THAT XXXX TOP XXXX. THIS COMPANY IS NOT BEING A LEGAL BANK. AFTER 30 DAYS OF MY REWUEST THEY SHOULD HAVE TAKEN OFF C5 EDIRT REPORY AND APOLOGIZED. I EVEN SRNT THEN LETTER FROM EENATPR IF THEY CAN BREAK THE LAW AND MAKE ME KOOSE EVERYTHING I WORKED FOR BECAUSE THEY ARE HARD HEADRD COMPANY THAT ALLREADY WROTE THOS THEFT OFF. THEY SAY THEY TALKED TO ME DURING THIS CASH WITHDRAW WHEN IN LICKED DOWN INPATIENT XXXX PROGRAM US JUST FUNNY AND DAD. THEY NEED TO DO WHAT FEDETAL PAW SAUS WITH ALL THE REGISTETED, NOTTERIZED, POLICE RSPORY AND LETYETS SHOWING I WAS IN INPATIENT PROHRAM. TJIS AS FRAUD AND THEY ALREADY WROTE OFF ON TAXES BUT STILL GIVING ME RTROUBLE. IF I TAKE MY LIFE SAVINGS AND THEY LOOSE AND HOLD MY MONEY FOR DIFFETENT WAYS THEY CAN HOLD MY CADH FOR YEARS UP9N YEARS. I WILL BLOW. ALL THEY NEED TO DO IS KNOW I SENT THEM 609 AND 625 MONTHS, AGO 3 TOMES AND TJEY JUST LAUFGJED AT ME BECAUSE 9F GRAMMAR FROM XXXX XXXX. THIS WAS FRAUD AND THEY ARE NOW BTEAKING FEDERAL LAW. I HOPE I DO N'T VECOME HOMELESD BECAUSE OF THIS BIG COMPANIES XXXX XXXX SAYS WE ATE MAKING BILLIPNS FOR. I MEAN HIS XXXX SPEECH SAYING VETS AND MILITARY ARE MAKING BANKING INDUSTRY UNTOUCHABLE. WELL HE WAS N'T XXXX IN XXXX AND XXXX AND IN AND XXXX. ALL I WO N'T IS XXXX XXXX XXXX TO GO BY FEDERAL LA3 AND TAKE THIS OFF C4RDIT JUST BECAUSE 9F 609 AND 625 I SENT. 

GOD BLESS AMERICA AND IF I BECOME HOMELESS OVER C4EDIT F4AUD AND IT IS THIS BIG BANK? WOW.